diff --git a/chunks/json/3e5166392284427725ee1fe760b21ac21444209bef072b34051d2cd63b16cdab.json b/chunks/json/3e5166392284427725ee1fe760b21ac21444209bef072b34051d2cd63b16cdab.json
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+{"chunk":{"char_end":17921,"char_start":15319,"chunk_id":"chk_6f500e50e249963d","chunk_index":9,"chunk_sha256":"3e5166392284427725ee1fe760b21ac21444209bef072b34051d2cd63b16cdab","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_970d25bb86fc355d","text_sha256":"3e5166392284427725ee1fe760b21ac21444209bef072b34051d2cd63b16cdab","token_estimate":771,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Conservatorship___FHFA_uqjmm.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\\/661\",\"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/3e8b627b2f7617a98e2b79d3c57af38c6b0e862fb1e49b000b83c6eb68f10934.json b/chunks/json/3e8b627b2f7617a98e2b79d3c57af38c6b0e862fb1e49b000b83c6eb68f10934.json
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+{"chunk":{"char_end":6689,"char_start":5046,"chunk_id":"chk_f84d1faa33059e96","chunk_index":3,"chunk_sha256":"3e8b627b2f7617a98e2b79d3c57af38c6b0e862fb1e49b000b83c6eb68f10934","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e27a00af35fdbad9","text_sha256":"3e8b627b2f7617a98e2b79d3c57af38c6b0e862fb1e49b000b83c6eb68f10934","token_estimate":411,"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":"Seller 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\nABC Mortgage Company\n456 Somewhere Ave\nSometown, NV 55555\n\nCompany Name\n\nCompany Address\n\nAppraiser\n\nName\nCompany Name\nCompany Address\n\nZYX Appraisal Management\nCompany\n123 Main St\nSomecity, IA 40121\n\nCredentials\n\nID\nState\nExpires\n\n222222\nMD\n12/15/2020\n\nAmy Appraiser\nXYZ Appraisal Company\n22 A St NE\nWashington DC 10001\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nLicensed Residential Appraiser\n3333333333\nMD\n02/21/2021\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nPhysical\nPhysical\n08/07/2019\n\nSubject Property\n\nPhysical Address\n\nCounty\nNeighborhood Name\n\n1234 Anywhere Pl\nAnyplace, MD 20854\nRiver\nThree Trees\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\nOwnership Rights\n\nProperty Rights Appraised\n\nFee Simple\n\nAll Rights Included in Appraisal\n\nYes\n\nLegal Description\n\nBlock H Lot XX of Wheel of Fortune\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n"}
diff --git a/chunks/json/3eb87d7f3c7b648facde1c33ace153cf4218f098524a7ed8941312683bab48ba.json b/chunks/json/3eb87d7f3c7b648facde1c33ace153cf4218f098524a7ed8941312683bab48ba.json
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+{"chunk":{"char_end":941864,"char_start":940260,"chunk_id":"chk_fe57d6f61ae8674b","chunk_index":560,"chunk_sha256":"3eb87d7f3c7b648facde1c33ace153cf4218f098524a7ed8941312683bab48ba","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3eb87d7f3c7b648facde1c33ace153cf4218f098524a7ed8941312683bab48ba","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"434\n\n3\n\ne-20\n\nSALES\nCOMPARISON\nAPPROACH\n\nBasement & Finished\n(Line 1)\n\nGSE Basement Exit\nType\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/@GSEBelowGradeTotalSquareFeetNumber\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/@GSEBelowGradeFinishSquareFeetNumber\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\nSALES\nCOMPARISON\nAPPROACH\n\nBasement & Finished Adjustment\n(Line 1)\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='BasementArea']/@_Amount\n\n435\n\n436\n\n3\n\n3\n\n95\n\ne-21\n\nSALES\nCOMPARISON\nAPPROACH\n"}
diff --git a/chunks/json/3ebb626df59330af7cfabaec736867fde84286841e21a72370697062a8d8e8b8.json b/chunks/json/3ebb626df59330af7cfabaec736867fde84286841e21a72370697062a8d8e8b8.json
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+{"chunk":{"char_end":10022,"char_start":8410,"chunk_id":"chk_3aedd79588ff38f6","chunk_index":5,"chunk_sha256":"3ebb626df59330af7cfabaec736867fde84286841e21a72370697062a8d8e8b8","date_utc":"2026-01-27T17:46:24+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e5501f422313448a","text_sha256":"3ebb626df59330af7cfabaec736867fde84286841e21a72370697062a8d8e8b8","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/display (4).pdf"]},"text":"q Check in periodically with GSE web\nsites and watch for communications.\n\nCheck in with Your Appraisal\nSoftware Vendor\n\nq Make sure your vendor is aware of\n\nthe new UAD and is building\nto it.\n\nq Work with your vendor to identify\nany needed process changes.\n\nq Look for vendor-specific training\n\nopportunities.\n\nTest and Verify\n\nq Test any updated systems for\n\ncompleting/submitting appraisal\nreport.\n\nq Make sure any operational changes\nare made and working as intended.\n\n2023\n\n2023-2024\n\n2024\n\nM A R C H 2 0 2 3\n\n12\n\nAppraisal Management Company (AMC) Roadmap\n\nSpec Delivery\n\nPrepare Your Appraisers\n\nTest and Verify\n\nq UAD 3.6 spec delivered to industry.\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\nq Identify needed process changes\n\nand effectively communicate them.\n\nq Develop training for your appraisers\n\nand staff around ordering and\nreceiving.\n\nq Leverage GSE and industry training\non the new URAR while you train\nyour appraisers on your own\nprocess updates.\n\nq Offer your appraisers opportunities\nto test any updated systems or\nchanges to process.\n\nq Make sure any operational changes\nare made and working as intended.\n\n2023\n\n2023-2024\n\n2024\n\nM A R C H 2 0 2 3\n\n13\n\nReady to Build? Some Things to Consider\n\nWe strongly encourage all stakeholders and vendors to begin preparing and building to the spec now.\nThe previous slides provide roadmaps to help you do just that. Here are some things to consider leading\nup to that point and who they impact:\n\nConsideration\n\nAppraisal Forms\nVendors\n"}
diff --git a/chunks/json/3ebdf7941267fcc9421bd8e7757ad431a86cad470f0eb90a5485cd9350335ca7.json b/chunks/json/3ebdf7941267fcc9421bd8e7757ad431a86cad470f0eb90a5485cd9350335ca7.json
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+{"chunk":{"char_end":12409,"char_start":10739,"chunk_id":"chk_cfd723e45c007fe8","chunk_index":5,"chunk_sha256":"3ebdf7941267fcc9421bd8e7757ad431a86cad470f0eb90a5485cd9350335ca7","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4d54dbf7e48638b7","text_sha256":"3ebdf7941267fcc9421bd8e7757ad431a86cad470f0eb90a5485cd9350335ca7","token_estimate":465,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Policies___FHFA_g7sbin.md"]},"text":"[​Website & Social Media Policies](/about/fhfa-policies/website-privacy-policy) Our privacy policy is clear: we will collect no personal information about you when you visit our website unless you voluntarily choose to provide that information to... [​Vulnerability Disclosure Policy](/about/fhfa-policies/vulnerability-disclosure) The Federal Housing Finance Agency is committed to ensuring the security of the American public by protecting their information. This policy is intended... ​[Whistleblower Protections](/about/fhfa-policies/whistleblower-protections) The Whistleblower Protection Act (WPA) prohibits taking or not taking a personnel action (or threatening either) with respect to any employee or applicant... ​[API Terms of Service](/about/fhfa-policies/api-terms-of-service) FHFA may offer some of its public data in machine readable format via an Application Programming Interface (“API”). These Terms of Service (“TOS”)...\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/3ed64a3d57fa92bd4699c72026e23de109810d7551926467318b66da9f8996b2.json b/chunks/json/3ed64a3d57fa92bd4699c72026e23de109810d7551926467318b66da9f8996b2.json
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+{"chunk":{"char_end":202115,"char_start":200480,"chunk_id":"chk_fd9791c2df7aec89","chunk_index":118,"chunk_sha256":"3ed64a3d57fa92bd4699c72026e23de109810d7551926467318b66da9f8996b2","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"3ed64a3d57fa92bd4699c72026e23de109810d7551926467318b66da9f8996b2","token_estimate":409,"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\nApparent Defects, Damages, Deficiencies (Site)\n\nThe appraiser must report any significant items pertaining to the site, and must associate any defect, damage, or\ndeficiency with the most appropriate section. These defects, damages, and deficiencies are items that:\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\n\nAppendix F-1: URAR Reference Guide\n\nPage 79 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nExample:\n\n04 Site\n\nAny other items that do not require repair, replacement, or inspection may also be reported using the\nRecommended Action of None.\n\nReference the appropriate government agency appraisal guidelines for specific requirements.\n\nApparent Defects, Damages, Deficiencies (Site)\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n4.099\n\nN/A\n\nAlways required\n\nYes |No\n\nDefinition / Additional Guidance\n\nSite Defects Exist: Indicates whether there are apparent defects, damages. or\ndeficiencies related to the Site section.\n•\n\nIf No, “None” displays, and the Apparent Defects, Damages, Deficiencies\n(Site) table does not display.\n\n4.099\n\nN/A\n\nDisplays when Site\nDefects Exist is Yes\n\nN/A\n\nThe items listed below represent the As Is condition as of the effective date of\nthis report\n"}
diff --git a/chunks/json/3ed9afdf4d6523934cf58b4d0c46bcaabfac57e2157f2a77854ee2aea56f3911.json b/chunks/json/3ed9afdf4d6523934cf58b4d0c46bcaabfac57e2157f2a77854ee2aea56f3911.json
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+{"chunk":{"char_end":576965,"char_start":575312,"chunk_id":"chk_1ae7c780186223d2","chunk_index":340,"chunk_sha256":"3ed9afdf4d6523934cf58b4d0c46bcaabfac57e2157f2a77854ee2aea56f3911","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3ed9afdf4d6523934cf58b4d0c46bcaabfac57e2157f2a77854ee2aea56f3911","token_estimate":413,"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\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\n5\n\nNumeric\n\nPDF Display Format:\nSquare footage, numeric, to 5-digits: 12345 maximum.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\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\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 110 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\n361\n\n3\n\ne-20\n\nSALES\nCOMPARISON\nAPPROACH\n\nBasement & Finished\n(line 1)\n\n(Basement Exit Type)\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='0']/COMPARISON_D\nETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex\ntensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEBasementExitType\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"}
diff --git a/chunks/json/3edcd503083c22381ed4d6a04bf4ae43669f810ea6eddbc27b25e2b062687c40.json b/chunks/json/3edcd503083c22381ed4d6a04bf4ae43669f810ea6eddbc27b25e2b062687c40.json
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+{"chunk":{"char_end":43674,"char_start":41915,"chunk_id":"chk_e39afe9d0e0e572f","chunk_index":21,"chunk_sha256":"3edcd503083c22381ed4d6a04bf4ae43669f810ea6eddbc27b25e2b062687c40","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bc0c11220168b9d2","text_sha256":"3edcd503083c22381ed4d6a04bf4ae43669f810ea6eddbc27b25e2b062687c40","token_estimate":440,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2011-24791 (1).pdf"]},"text":"WHEREAS, the Enterprises also separately\n\nreport to FHFA certain single-family and\nmultifamily mortgage data for safety and\nsoundness and other regulatory purposes;\n\nWhereas, section 1127 of the Housing and\nEconomic Recovery Act of 2008 (HERA), Pub.\nL. 110–289 (July 30, 2008), amended section\n1326 of the Safety and Soundness Act by\nrequiring that, subject to privacy\nconsiderations as described in section 304(j)\nof the Home Mortgage Disclosure Act of 1975\n(HMDA), the Director of FHFA shall, by\n\nregulation or order, make public certain data\nrelated to high-cost single-family loans\npurchased and securitized by the Enterprises\ncollected by the Director under section\n1324(b)(6) of the Safety and Soundness Act,\nas amended by HERA, see 12 U.S.C.\n4544(b)(6), 4546(d);\n\nWhereas, to comply with sections\n1324(b)(6) and 1326(d) of the Safety and\nSoundness Act, as amended, it is necessary\nto revise the single-family matrix of FHFA’s\nPublic Use Database (PUDB) by adding a new\nNational File C incorporating the high-cost\nsecuritized loan data elements required\nthereunder;\n\nWhereas, high-cost single-family\nsecuritized loan data containing the\ncharacteristics set forth in section 1324(b)(6),\nas further specified in the new National File\nC, are available in FHFA and Enterprise\ndatabases for 2010;\n\nWhereas, technical revisions to certain data\n\nfields in the single-family and multifamily\nmatrices of the PUDB are necessary in order\nto conform the data fields to HERA\namendments to the Safety and Soundness\nAct that eliminated the previous low- and\nmoderate-income housing, special affordable\nhousing, and underserved areas housing\ngoals and established new housing goals and\nrelated definitions effective for 2010 and\nbeyond, see 12 U.S.C. 4561 through 4563;\n"}
diff --git a/chunks/json/3ee0fca36bc75822ad0d64db11c21077f55710caadebdf3182338de5b70765b8.json b/chunks/json/3ee0fca36bc75822ad0d64db11c21077f55710caadebdf3182338de5b70765b8.json
new file mode 100644
index 0000000000000000000000000000000000000000..3b521c49f30918a72fe14fca4e3b1d5550a1810b
--- /dev/null
+++ b/chunks/json/3ee0fca36bc75822ad0d64db11c21077f55710caadebdf3182338de5b70765b8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8185,"char_start":6572,"chunk_id":"chk_fe2d0ad88386b501","chunk_index":4,"chunk_sha256":"3ee0fca36bc75822ad0d64db11c21077f55710caadebdf3182338de5b70765b8","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3abea005a829814f","text_sha256":"3ee0fca36bc75822ad0d64db11c21077f55710caadebdf3182338de5b70765b8","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/uad-lender-readiness-kit.pdf"]},"text":"• Assist with transitioning to the redesigned report.\n\nApril 2025 | 14\n\nPotential Impacts to Your Business Processes\n\nLoan Origination\n\nOrder & Receive Appraisal\n\nLoan Delivery & Servicing\n\nOther\n\n• Understand property characteristics using updated data requirements\n\n• Review Appraisal Fee on the Loan Estimate and Closing Disclosure\n\n• Determine appraisal scope of work and pricing structure (billing fee tables)\n\n• Assess Mortgage Insurance processes\n\nApril 2025 | 15\n\nPotential Impacts to Your Business\n\nLoan Origination\n\nOrder & Receive Appraisal\n\nLoan Delivery & Servicing\n\nOther\n\n• Update Engagement Letter after review of the new UAD, which now includes common lender overlays\n\no Make sure the order specifies whether appraiser should use legacy UAD 2.6 or new UAD 3.6\n\nduring the transition period\n\n• Assign AMC and/or appraiser (including consideration of product competency)\n\n• Measure service-level agreement (SLA) for turn time\n\n• Confirm that type of appraisal received is what was ordered (learn how to read the new\n\nreport, billing)\n\n• Submit to UCDP and review feedback/SSR for exceptions as needed\n\n• Perform risk-based reviews including workflow routing and appraisal quality (e.g., underwriting, pre /\n\npost closing)\n\nApril 2025 | 16\n\nPotential Impacts to Your Business\n\nLoan Origination\n\nOrder & Receive Appraisal\n\nLoan Delivery & Servicing\n\nOther\n\n• Correspondent Lending: SSR requirements including message severity\n\n• Loan Delivery: ULDD Phase 5 data points\n\n• Review Servicing processes\n\nApril 2025 | 17\n\nPotential Impacts to Your Business\n\nLoan Origination\n\nOrder & Receive Appraisal\n"}
diff --git a/chunks/json/3ef51fe8368368b2992ec54bf042e4196dfe88a9fc0f91ce89e0535b50088935.json b/chunks/json/3ef51fe8368368b2992ec54bf042e4196dfe88a9fc0f91ce89e0535b50088935.json
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index 0000000000000000000000000000000000000000..128e1280e291bd16294091a93cf67a2bbb1171ee
--- /dev/null
+++ b/chunks/json/3ef51fe8368368b2992ec54bf042e4196dfe88a9fc0f91ce89e0535b50088935.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":740216,"char_start":738586,"chunk_id":"chk_b338c07ac20be8bb","chunk_index":441,"chunk_sha256":"3ef51fe8368368b2992ec54bf042e4196dfe88a9fc0f91ce89e0535b50088935","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"3ef51fe8368368b2992ec54bf042e4196dfe88a9fc0f91ce89e0535b50088935","token_estimate":408,"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 (Cost to\nRepair Reporting\nMethod)\n\nCost to Repair Reporting Method: Indicates how the cost to repair amount will\nbe provided.\n•\n•\n•\n\nNone\nTotal Cost\nItemized\n\nRequired for each\ndefect, damage, or\ndeficiency when Cost\nto Repair Reporting\nMethod is Itemized,\nand Recommended\nAction is Repair\n\nDisplays when Cost to\nRepair Reporting\nMethod is Itemized\n\nRequired when Cost to\nRepair Reporting\nMethod is Total Cost\n\nDollar amount\n\nThe estimated cost to repair or replace the identified item.\n\nDollar amount\n\nCalculated: Sum of Estimated Cost to Repair for all applicable defects, damages,\nand deficiencies in the appraisal report.\n\nDollar amount\n\nThe total estimated cost to repair or replace all applicable defects, damages,\nand deficiencies in the appraisal report, provided as a lump sum.\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nCost to Repair Reporting Method (Choose one)\n\nNone\n\nTotal Cost\n\nItemized\n\nThe appraiser does not provide any cost to repair information (Example 1).\n\nThe appraiser provides the Total Estimated Cost of Recommended Repairs as a lump sum (Example 2).\n•\n\nTotal Estimated Cost of Items Recommended for Repair (26.072) displays underneath the Defects, Damages, and\nDeficiencies table.\n\nThe appraiser provides the Estimated Cost of Repair for each defect, damage, or deficiency requiring repair (Example 3).\n•\nThe itemized Estimated Cost to Repair column (26.026-26.069) displays in the Defects, Damages, and Deficiencies\ntable.\nTotal Cost (26.070) displays at the bottom of the Defects, Damages, and Deficiencies table.\n\n•\n\nAppendix F-1: URAR Reference Guide\n"}
diff --git a/chunks/json/3efa2b69317f37cea33347855ec6705e8f9f5187921378b392629a44c6476f71.json b/chunks/json/3efa2b69317f37cea33347855ec6705e8f9f5187921378b392629a44c6476f71.json
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+++ b/chunks/json/3efa2b69317f37cea33347855ec6705e8f9f5187921378b392629a44c6476f71.json
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+{"chunk":{"char_end":68343,"char_start":67553,"chunk_id":"chk_22eacd3c7de4c390","chunk_index":71,"chunk_sha256":"3efa2b69317f37cea33347855ec6705e8f9f5187921378b392629a44c6476f71","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"3efa2b69317f37cea33347855ec6705e8f9f5187921378b392629a44c6476f71","token_estimate":413,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:21)(cid:24)(cid:17)(cid:19)(cid:22)(cid:20)\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:22)(cid:22)\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:22)(cid:23)\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:22)(cid:24)\n\nTotal\n\n(cid:21)(cid:24)(cid:17)(cid:19)\n\n(cid:22)(cid:25)\n\nAmount\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:22)(cid:27)\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:22)(cid:28)\n\nTotal\n\nPrimary Site Valuation Method\n\n(cid:21)(cid:24)(cid:17)(cid:19) (cid:19)(cid:23)\n\nOpinion of Site Value\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:23)(cid:20)\n\nData Source\n\nAssessor Parcel\nNumber (APN)\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:23)(cid:24)\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:23)(cid:25)\n\nSite Size\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:23)(cid:26)\n\nSale Date\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:23)(cid:27)\n"}
diff --git a/chunks/json/3f063871ee3c402cdb57fcb6a73aedc7ca59a5e5369f1b5709a277c04fe4db49.json b/chunks/json/3f063871ee3c402cdb57fcb6a73aedc7ca59a5e5369f1b5709a277c04fe4db49.json
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+{"chunk":{"char_end":1155720,"char_start":1154008,"chunk_id":"chk_4249056ae08c4e02","chunk_index":686,"chunk_sha256":"3f063871ee3c402cdb57fcb6a73aedc7ca59a5e5369f1b5709a277c04fe4db49","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3f063871ee3c402cdb57fcb6a73aedc7ca59a5e5369f1b5709a277c04fe4db49","token_estimate":428,"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']/LOC\nATION/@PropertyStreetAddress\n\n35\n\nString\n\n273\n\n274\n\n275\n\n276\n\n277\n\n278\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n46a\n\n46b\n\n46c\n\n47\n\n48\n\n49\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 is\nlocated.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOC\nATION/@PropertyCity\n\nProperty State\n\nThe state in which the subject property is\nlocated.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOC\nATION/@PropertyState\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/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOC\nATION/@PropertyPostalCode\n\n40\n\nString\n\nUAD Requirement – Refer to Appendix D Sales Comparison Approach\nSection\nMust conform to USPS (Pub 28).\n\n2\n\nString\n\nUAD Requirement – Refer to Appendix D Sales Comparison Approach\nSection\nMust conform to USPS (Pub 28).\n\n10\n\nString\n\nUAD Requirement – Refer to Appendix D Sales Comparison Approach\nSection\nMust conform to USPS (Pub 28).\n\nSALES\nCOMPARISON\nAPPROACH\n\nProximity to Subject\n\nProximity To\nSubject Description\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_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOC\nATION/@ProximityToSubjectDescription\n"}
diff --git a/chunks/json/3f0766a6a6b51e059f1a62990598ac9b92ae429490eff8242502470618fcd430.json b/chunks/json/3f0766a6a6b51e059f1a62990598ac9b92ae429490eff8242502470618fcd430.json
new file mode 100644
index 0000000000000000000000000000000000000000..9436454d0a9819ec9f9aede3fee8ab4e3f6417bb
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+++ b/chunks/json/3f0766a6a6b51e059f1a62990598ac9b92ae429490eff8242502470618fcd430.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":44120,"char_start":41911,"chunk_id":"chk_6980d4d09b4729b9","chunk_index":26,"chunk_sha256":"3f0766a6a6b51e059f1a62990598ac9b92ae429490eff8242502470618fcd430","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3f0766a6a6b51e059f1a62990598ac9b92ae429490eff8242502470618fcd430","token_estimate":552,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Total Bathroom Count\n\n.VALUATION_METHODS\n..SALES_COMPARISON\n...COMPARABLE_SALE\n.…SALE PRICE ADJUSTMENT\nSale Price Adjustment Type**\n\nSale Price Adjustment Type Other Description**\n\nSale Price Adjustment Description**\n\nSale Price Adjustment Amount**\n\n.VALUATION_METHODS\n..SALES_COMPARISON\n...COMPARABLE_SALE\n.…OTHER_FEATURE_ADJUSTMENT\nProperty Feature Sequence Identifier\n\nProperty Feature Description\n\nProperty Feature Adjustment Amount\n\n.VALUATION_METHODS\n..SALES_COMPARISON\n...COMPARABLE_SALE\n….PRIOR SALES\nProperty Sales Amount\n\nData Source Description\n\nData Source Effective Date\n\n.VALUATION_METHODS\n..SALES_COMPARISON\n...COMPARABLE_SALE\n….PRIOR_SALES\n\nUAD Consolidated Schema Matrix\nAppendix B: GSE Appraisal Forms Mapping\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR/CR/T* R/CR/T*\n\nR/CR/T*\n\nR/CR/T*\n\nR/CR*\n\nR/CR*\n\nR/CR*\n\nCR,T*\n\nCR,T*\n\nCR,T*\n\nR/T*\n\nCR\n\nR/T*\n\nCR\n\nR/T*\n\nCR\n\nT\n\nR/T*\n\nCR\n\nT\n\nR\n\nCR\n\nT\n\nR\n\nCR\n\nT\n\nR\n\nCR\n\nR/CR*\n\nCR,T*\n\nR\n\nCR\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\nCR,T*\n\nCR,T*\n\nCR,T*\n\nT\n\nCR\n\nT\n\nCR\n\nT\n\nCR\n\nN/A\n\nN/A\n\nN/A\n\nCR\n\nR\n\nR\n\nCR\n\nR\n\nR\n\nCR\n\nR\n\nR\n\nCR\n\nR\n\nR\n\nCR\n\nR\n\nR\n\nCR\n\nR\n\nR\n\nCR\n\nR\n\nR\n\nCR\n\nR\n\nR\n\nPage 23 of 211\n\nDocument Version 1.4\n\nMISMO Data Point Name\n\n…..PRIOR_SALES_EXTENSION\n…...PRIOR_SALES_EXTENSION_SECTION\nExtension Section Organization Name\n…….PRIOR_SALES_EXTENSION_SECTION_DATA\n….....PRIOR_SALE\nGSE Prior Sale Date\nGSE Prior Sale Comment\n\n.VALUATION_METHODS\n..SALES_COMPARISON\n...COMPARABLE_SALE\n....COMPARISON_DETAIL_EXTENSION\n…..COMPARISON_DETAIL_EXTENSION_SECTION\nExtension Section Organization Name\n…...COMPARISON_DETAIL_EXTENSION_SECTION_DATA\n…….COMPARISON_DETAIL\nGSE Data Source Description\nGSE Days On Market Description\nGSE Sale Type\nGSE Financing Type\nGSE Financing Type Other Description\nGSE Contract Date Unknown Indicator\nGSE Concession Amount\nGSE Listing Status Type\nGSE Quality Of Construction Rating Type\nGSE Age Estimation Indicator\nGSE Overall Condition Type\nGSE Basement Exit Type\nGSE Below Grade Recreation Room Count\nGSE Below Grade Bedroom Room Count\nGSE Below Grade Bathroom Room Count\nGSE Below Grade Other Room Count\nGSE Below Grade Finish Square Feet Number\nGSE Below Grade Total Square Feet Number\n"}
diff --git a/chunks/json/3f2a01bee3f7d4152faeaaade0e1447b3cfd88a33892fefcb1bf6724bdfc5a87.json b/chunks/json/3f2a01bee3f7d4152faeaaade0e1447b3cfd88a33892fefcb1bf6724bdfc5a87.json
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+++ b/chunks/json/3f2a01bee3f7d4152faeaaade0e1447b3cfd88a33892fefcb1bf6724bdfc5a87.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8965,"char_start":7104,"chunk_id":"chk_f79ef67faa11ad9d","chunk_index":4,"chunk_sha256":"3f2a01bee3f7d4152faeaaade0e1447b3cfd88a33892fefcb1bf6724bdfc5a87","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_617d207d94847c4c","text_sha256":"3f2a01bee3f7d4152faeaaade0e1447b3cfd88a33892fefcb1bf6724bdfc5a87","token_estimate":472,"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":"[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 - Fannie Mae & Freddie Mac Affordable Housing Allocations\n\nPolicy\n\n# Fannie Mae & Freddie Mac Affordable Housing Allocations\n\nThe [Housing and Economic Recovery Act of 2008 (HERA)](/node/27141#HERA) requires the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac), together, the Enterprises, to set aside an amount equal to 4.2 basis points of each dollar of the unpaid principal balance of Fannie Mae’s and Freddie Mac’s total new business purchases and to allocate and transfer those funds to the Housing Trust Fund and the Capital Magnet Fund; 12 USC 4567(a).\n"}
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+{"chunk":{"char_end":316428,"char_start":314781,"chunk_id":"chk_c9c4e0a41e857b62","chunk_index":171,"chunk_sha256":"3f2daa55497bc145233428b294b18cc6f5b2a374b8bcf7fea45003d4827cd001","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"3f2daa55497bc145233428b294b18cc6f5b2a374b8bcf7fea45003d4827cd001","token_estimate":412,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"9.2 Closing Costs Subtotals (D + I) – adds together and subtotals all line items in each column of the Loan Costs\nand Other Costs tables (including Seller-Paid At and Before Closing and Paid by Others).\n\n9.3 | 9.3.1 Lender Credits - the sum of all generalized payments (not related to a specific fee) from the lender to\nthe consumer. As shown in the following figure, Lender Credits are a negative charge to the borrower(s) and are\nto be disclosed in the Borrower-Paid At Closing column. The value of Lender Credits is subtracted from J. Total\nClosing Costs to yield the TOTAL CLOSING COSTS (Borrower Paid). Credits from the lender to offset an amount\ncharged over the tolerance limitations (that is, a lender credit for increases in Closing Costs above the legal limit)\nare included in the Lender Credits amount, along with a statement that the amount was used to offset an excess\ncharge.\n\nBorrower-Paid\n\nSeller-Paid\n\nPaid by\n\nAt Closing\n\nBefore Closing\n\nAt Closing\n\nBefore Closing\n\nOthers\n\n9.1 J. TOTAL CLOSING COSTS (Borrower-Paid)\n\n9.1.1 $9,697.10\n\n9.2 Closing Costs Subtotals (D + I)\n\n9.2.2 $10,167.30 9.2.3\n\n$29.80 9.2.4 $12,800.00 9.2.5\n\n$750.00 9.2.6\n\n$405.00\n\n9.3 Lender Credits 9.3.1 Includes $200 credit for increase\nin Closing Costs above legal limit\n\n9.3.2 $-500.00\n\nFigure 87. TOTAL CLOSING COSTS Table\n\nTable 101 shows the data points supporting the Total Closing Costs table. Included in this section are four GSE-\nRequired data points with closing cost totals supporting ATR/QM requirements:\nRegulationZTotalAffiliateFeesAmount, RegulationZTotalPointsAndFeesAmount, AbilityToRepayMethodType and\nAbilityToRepayExemptionReasonType.\n"}
diff --git a/chunks/json/3f3064d9d15392a7d303cab0c4125bd9a748ae4b8ae4d9c81d9e998ffeb0af16.json b/chunks/json/3f3064d9d15392a7d303cab0c4125bd9a748ae4b8ae4d9c81d9e998ffeb0af16.json
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diff --git a/chunks/json/3f3859e3718425d2d68a66e9e85b442529c2d561f7a97c35dd9720cc4f665fab.json b/chunks/json/3f3859e3718425d2d68a66e9e85b442529c2d561f7a97c35dd9720cc4f665fab.json
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+{"chunk":{"char_end":6504,"char_start":4888,"chunk_id":"chk_05f6e6104a7d30d6","chunk_index":3,"chunk_sha256":"3f3859e3718425d2d68a66e9e85b442529c2d561f7a97c35dd9720cc4f665fab","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ae699ea5c646d934","text_sha256":"3f3859e3718425d2d68a66e9e85b442529c2d561f7a97c35dd9720cc4f665fab","token_estimate":404,"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":"Uniform Residential Appraisal Report\n\nPage 3 of 26\nPage 3 of 26\n\nSite\n\nTotal Site Size\n\n21,000 Sq. Ft.\n\nNumber of Parcels\n\n1\n\nAssessor Parcel Number (APN)\nWES1932\n\nAPN Description\n Land with Dwelling\n\nParcel Size\n21,000 Sq. Ft.\n\nZoning\n\nCompliance\nClassification Code\nClassification Code Description\n\nLegal\nMF-3\n Residential - Multi Family\ndistrict\n\nProperty Use\n\nNon-Residential Use\n\nNone\n\nSite Influence\n\nInfluence\nBusy Roadway\n\nProximity\nBordering\n\nDetail\n\nResidential\n\nBordering\n\nView and Impact to Value/Marketability\n\nProperty Access\nPrimary Access\nStreet Type and Surface\nTypical for Market\n\nPublic Street\nLocal Road | Asphalt\nYes\n\nImpact\nAdverse\n\nNeutral\n\nComment\nProperties such as this in\nthis market area are typically\nlocated on busy roadways.\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) - Site Influence - Busy\nRoadway, Residential - View - Residential\n\nThis is where the Street Scene 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 4 of 26\nPage 4 of 26\n\nSketch\n\nMeasurement Standard\n"}
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diff --git a/chunks/json/3f3c7bac134ca73d68011bcd12eee56f3a16dc36ae9979b3205e6aa558108ab1.json b/chunks/json/3f3c7bac134ca73d68011bcd12eee56f3a16dc36ae9979b3205e6aa558108ab1.json
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+{"chunk":{"char_end":1730,"char_start":0,"chunk_id":"chk_4eeb82656c74c79f","chunk_index":0,"chunk_sha256":"3f3c7bac134ca73d68011bcd12eee56f3a16dc36ae9979b3205e6aa558108ab1","date_utc":"2026-01-27T17:54:23+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_992ee69610da0e7a","text_sha256":"3f3c7bac134ca73d68011bcd12eee56f3a16dc36ae9979b3205e6aa558108ab1","token_estimate":527,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Information_Quality___FHFA_xhyqnn.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/about/information-quality\"\ndate_accessed: \"2026-01-27T17:54:20.288Z\"\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/3f435781a3b4bcf6aab55453e90aa6b938b7d713bcb02f7913c47247f1ecbe3c.json b/chunks/json/3f435781a3b4bcf6aab55453e90aa6b938b7d713bcb02f7913c47247f1ecbe3c.json
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+{"chunk":{"char_end":382424,"char_start":380602,"chunk_id":"chk_5f4a7ef0799e3f11","chunk_index":305,"chunk_sha256":"3f435781a3b4bcf6aab55453e90aa6b938b7d713bcb02f7913c47247f1ecbe3c","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"3f435781a3b4bcf6aab55453e90aa6b938b7d713bcb02f7913c47247f1ecbe3c","token_estimate":456,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"•\n\n•\n\nImages for the comparable properties are delivered in the instance of PROPERTY where @ValuationUseType (UID: 1800.0084, FID:\nNot on report) = “SalesComparable” of the instance of the PROPERTY container representing the relevant comparable property.\n\no\n\n(E.g., image data associated with sales comparable #1 must be included in the instance of the PROPERTY container with\nValuationUseType= ”SalesComparable” and PropertyOrdinalNumber= 1.)\n\nIn Sales Comparison Approach Exhibits, display “Comparable #” followed by the ordinal number - PropertyOrdinalNumber (UID:\n1800.0192, FID: 22.01.16) in bold font.\n\nAdditional Images\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 296\n\n• Any additional images provided must be delivered using ImageCategoryType (UID: 1400.0638, FID: 22.19.01.1) =\n\n“SalesComparisonApproachExhibit”.\n\n• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 22.19.01.2).\n\nReference Key Concept - Image Data for detailed guidance on the various ways images are handled in the URAR.\n\nSales Comparison Approach – Arcrole Relationships\n\nArcrole relationships, establishes \"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\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\nPROPERTY_UNIT to PROPERTY_UNIT\nWhen a comparable property has an adjustment for an item from the living unit, the PROPERTY_UNIT container from the comparable should\nbe linked to the subject's instance of the PROPERTY_UNIT container to which it was compared.\n"}
diff --git a/chunks/json/3f55c4a7b5e697bddb9982dd09754d91abe5841908313c6ae3c0c8128722df69.json b/chunks/json/3f55c4a7b5e697bddb9982dd09754d91abe5841908313c6ae3c0c8128722df69.json
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+{"chunk":{"char_end":62135,"char_start":60178,"chunk_id":"chk_995aab927454520f","chunk_index":36,"chunk_sha256":"3f55c4a7b5e697bddb9982dd09754d91abe5841908313c6ae3c0c8128722df69","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"3f55c4a7b5e697bddb9982dd09754d91abe5841908313c6ae3c0c8128722df69","token_estimate":489,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Reporting Format:\nProximity to Subject – Numeric to 2 decimal\nplaces + ‘miles’ + Directional\n\nExample:\n1.75 miles NW\n\nPage 33 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\nSale Price\nThe appraiser must enter the sale price of the\nsubject property (if applicable) and each\ncomparable property. The sale price for the\nsubject property must match the contract\nprice reported in the Contract section. If any\nof the comparable properties sold for a price\nthat was not in whole dollars, the appraiser\nmust round the sales price to the nearest\ndollar. If any of the comparable properties is a\nlisting or pending sale, the appraiser must\nenter the offering price or contract price as\napplicable.\n\nReporting Format:\nSale Price – Currency, whole dollars only\n\nPage 34 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\nREQUIREMENT\n\nData Source(s)\nThe appraiser must provide the data\nsource(s) utilized to obtain the data for each\ncomparable sale. When using MLS as the\ndata source, the MLS organization acronym\nor abbreviation followed by ‘#’ and the listing\nidentifier (numbers and letters) must be\nreported. If the appraiser utilizes additional\ndata sources that do not fit into this data field,\nthey must be provided in the comments\nsection or addenda in the appraisal report.\n"}
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+++ b/chunks/json/3f6055be42e820ab4aa3f6d9567fab6caa86c0321392232f749f7c4343f54734.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":651988,"char_start":650388,"chunk_id":"chk_9f155bd6f495241e","chunk_index":385,"chunk_sha256":"3f6055be42e820ab4aa3f6d9567fab6caa86c0321392232f749f7c4343f54734","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3f6055be42e820ab4aa3f6d9567fab6caa86c0321392232f749f7c4343f54734","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/@_SummaryC\nomment\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\n474\n\n3\n\n127\n\nRECONCILIATIO\nN\n\nThe appraisal is made “as is”\n\n475\n\n3\n\n128\n\nRECONCILIATIO\nN\n\nThe appraisal is made “subject\nto completion”\n\n476\n\n3\n\n129\n\nRECONCILIATIO\nN\n\nThe appraisal is made “subject\nto the following repairs”\n\nValuation\nReconciliation\nCondition Of\nAppraisal Type\n\nValuation\nReconciliation\nCondition Of\nAppraisal Type\n\nValuation\nReconciliation\nCondition Of\nAppraisal Type\n\nSpecifies the appraisal's conclusion's\ndependency on future repairs or activities.\n\n/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/_CONDITION\n_OF_APPRAISAL[@_Type=‘AsIs’]\n\n20\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Reconciliation Section\n\nSpecifies the appraisal's conclusion's\ndependency on future repairs or activities.\n\n/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/_CONDITION\n_OF_APPRAISAL[@_Type=‘SubjectToCompletion’]\n\n20\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Reconciliation Section\nA separate Valuation Reconciliation Condition of Appraisal element must be populated\nfor each box that is checked.\n\nSpecifies the appraisal's conclusion's\ndependency on future repairs or activities.\n\n/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/_CONDITION\n_OF_APPRAISAL[@_Type=‘SubjectToRepairs’]\n\n20\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Reconcilliation Section\nA separate Valuation Reconciliation Condition of Appraisal element must be populated\nfor each box that is checked.\n"}
diff --git a/chunks/json/3f65aaf4fca31a31bedc43de58fda23e1a949e8f9e74a6088926d552ee76e255.json b/chunks/json/3f65aaf4fca31a31bedc43de58fda23e1a949e8f9e74a6088926d552ee76e255.json
new file mode 100644
index 0000000000000000000000000000000000000000..e5c6995ff8949b259b8280a8a2be1006c52a9ada
--- /dev/null
+++ b/chunks/json/3f65aaf4fca31a31bedc43de58fda23e1a949e8f9e74a6088926d552ee76e255.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":376767,"char_start":375140,"chunk_id":"chk_e428c51c80d6c7b6","chunk_index":220,"chunk_sha256":"3f65aaf4fca31a31bedc43de58fda23e1a949e8f9e74a6088926d552ee76e255","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3f65aaf4fca31a31bedc43de58fda23e1a949e8f9e74a6088926d552ee76e255","token_estimate":407,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"30\n\nString\n\nString\n\nString\n\nString\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· 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\nmust be represented consistently.\n\nUAD Instruction - Refer to Appendix D Subject Section\nIf the subject property is not located in any county (e.g. the subject property is located\nin an independent city), enter the name of the local municipality or district in which\nthe property is located.\n\nSUBJECT\n\nLegal Description\n\n/VALUATION_RESPONSE/PROPERTY/_LEGAL_DESCRIPTION[@_Type='\nOther' and @_TypeOtherDescription='LongLegal']/@_TextDescription\n\n150\n\nString\n\nProperty Legal\nDescription Text\nDescription\n\nA free-form text field used to capture the\nlegal description of the property for the\ntype specified in Property Legal\nDescription Type.\n\nGSE Assessors\nParcel Identifier\n\nThe identifier or identifiers that describes\nthe location of the property as related to\ncounty, state or municipal tax records.\n\n/VALUATION_RESPONSE/PROPERTY/_IDENTIFICATION/PROPERTY_ID\nENTIFICATION_EXTENSION/PROPERTY_IDENTIFICATION_EXTENSION\n_SECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/PROPERTY_IDENTIFICATION_EXTENSION_SECTION_DATA/\nPARCEL_IDENTIFIER/@GSEAssessorsParcelIdentifier\n\n15\n\nSUBJECT\n\nAssessor's Parcel #\n\n16\n\nSUBJECT\n\nTax Year\n\nProperty Tax Year\nIdentifier\n\nThe sole or start year of the subject\nproperty's tax year for the information.\n\n/VALUATION_RESPONSE/PROPERTY/_TAX/@_YearIdentifier\n"}
diff --git a/chunks/json/3f75d5092ee3b37a41209ccf6bd7eacf787d707252be7c81189d4b1fe5b25ac7.json b/chunks/json/3f75d5092ee3b37a41209ccf6bd7eacf787d707252be7c81189d4b1fe5b25ac7.json
new file mode 100644
index 0000000000000000000000000000000000000000..a3d2ee107745f92f708331b28427be121f63feec
--- /dev/null
+++ b/chunks/json/3f75d5092ee3b37a41209ccf6bd7eacf787d707252be7c81189d4b1fe5b25ac7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":297107,"char_start":295488,"chunk_id":"chk_c39f367b26dc5786","chunk_index":159,"chunk_sha256":"3f75d5092ee3b37a41209ccf6bd7eacf787d707252be7c81189d4b1fe5b25ac7","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"3f75d5092ee3b37a41209ccf6bd7eacf787d707252be7c81189d4b1fe5b25ac7","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"amount of the charge in the appropriate column.\n\n3.\n\nIf the payment was broken out, disclose all payors and their portion of the charge.\n\na. For Initial Escrow Payments, timing is assumed to be “At Closing”. If the charge was paid by a third-\n\nparty, no timing information is needed.\n\nb. If the third-party payor is the lender, precede the amount paid by the indicator “(L)”.\n\n8. 15 AGGREGATE ADJUSTMENT\n\nWhen applicable, the Aggregate Adjustment to the initial funding of the escrow account is disclosed as the last\nline item under G. Initial Escrow Payment at Closing. No additional information is required for the line item\ndescription. The adjustment can be positive or negative.\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\nTable 99. Initial Escrow Payment at Closing Line Items\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\n8.15 |\n8.15.2\n\nBorrower-Paid At\nClosing Aggregate\nAdjustment\n\n…/ESCROW/ESCROW\n_DETAIL\n\nEscrowAggregateAcc\nountingAdjustmentA\nmount\n\n-0.01\n\nROF as “Aggregate\nAdjustment” and “-\n$0.01”\n\nFirst Instance of ESCROW_ITEM\n\nAppendix E: UCD Implementation Guide\n\nPage 135 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n8.0 Other Costs Table\n\nTable 99. Initial Escrow Payment at Closing Line Items\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\n8.11.1 Homeowner’s\n\nInsurance ($ per\nmonth for # mo.)\n\n8.11\n\nUID\n8.820\n\n8.11.1\n\nHomeowner’s\nInsurance\n\nHomeowner’s\nInsurance ($ per\nmonth for # mo.)\n"}
diff --git a/chunks/json/3f7ade5c6c8f1b5ed8821c0ffcc1fbf103501ab94424cf1512924c70c6f5b1b5.json b/chunks/json/3f7ade5c6c8f1b5ed8821c0ffcc1fbf103501ab94424cf1512924c70c6f5b1b5.json
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index 0000000000000000000000000000000000000000..25cfcc32b3b280e30f7ca890c6a0ba08ce9940d2
--- /dev/null
+++ b/chunks/json/3f7ade5c6c8f1b5ed8821c0ffcc1fbf103501ab94424cf1512924c70c6f5b1b5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":334,"char_start":0,"chunk_id":"chk_d454eb681ae9e983","chunk_index":0,"chunk_sha256":"3f7ade5c6c8f1b5ed8821c0ffcc1fbf103501ab94424cf1512924c70c6f5b1b5","date_utc":"2026-01-27T17:46:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d0384b337c80b25e","text_sha256":"3f7ade5c6c8f1b5ed8821c0ffcc1fbf103501ab94424cf1512924c70c6f5b1b5","token_estimate":102,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_oilxf8.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: \"2026-01-27T17:46:01.887Z\"\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/3f87b071913c3c672bf5f9337ada4fe040891a6d5613d029194a7591e33a83cb.json b/chunks/json/3f87b071913c3c672bf5f9337ada4fe040891a6d5613d029194a7591e33a83cb.json
new file mode 100644
index 0000000000000000000000000000000000000000..42b4a7b2784ed800591107fc407320b279c70e12
--- /dev/null
+++ b/chunks/json/3f87b071913c3c672bf5f9337ada4fe040891a6d5613d029194a7591e33a83cb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7140,"char_start":5487,"chunk_id":"chk_2a751e01e8c2a70f","chunk_index":5,"chunk_sha256":"3f87b071913c3c672bf5f9337ada4fe040891a6d5613d029194a7591e33a83cb","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_2d4aaec60fd63c08","text_sha256":"3f87b071913c3c672bf5f9337ada4fe040891a6d5613d029194a7591e33a83cb","token_estimate":414,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide - Supplement - Usability and Implementation Guidance.pdf"]},"text":"• Allow user to select information and add to report and modify/override as needed.\n• Allow for the import of information from other sources, e.g., Multiple Listing Service (MLS).\n\nAn example of when an override may be necessary could occur with public record information. Public\nrecords may show a property as having 1,326 sq. ft. of finished area, however measuring to ANSI standards\nrequires the finished area to display as 900 sq. ft. on the first floor, 200 sq. ft. on the second floor, and an\nadditional 226 sq. ft. of finished nonstandard area on the second floor.\n\nAdditional Data Entry Guidance\n\n4. Provide the user with an integrated reference feature that provides additional guidance, information,\n\nand/or definitions.\n\nPurpose: To provide a consistent understanding of information and available options. The UAD artifacts may\nbe leveraged to provide this information.\n\nSome examples are hover/mouseover, pop-ups or hyperlinks that allow users to access definitions and/or\nadditional information.\n\nAppendix F-1 URAR Reference Guide contains the language that vendors should utilize in the development of\nthe user interface. Sections where a reference feature are recommended include but are not limited to:\n\n• Subject Property\n\no Provide definitions for Accessory Dwelling Unit, Community Land Trust (CLT), Subject Site\n\nOwned in Common.\n\n• Site\n\no Provide definitions for Primary Site Valuation Methods “Allocation” and “Extraction”.\no Provide definitions for APN Description.\n\n• Disaster Mitigation\n\no Provide definitions for Disaster Mitigation Features.\n\n• Sketch\n\no Provide definitions for the distinction between Sketch and Floor Plan.\n"}
diff --git a/chunks/json/3f8c5fa10c733c7bae1ec05a87a02f5fa20d02aa7a1f205939f29276c499246d.json b/chunks/json/3f8c5fa10c733c7bae1ec05a87a02f5fa20d02aa7a1f205939f29276c499246d.json
new file mode 100644
index 0000000000000000000000000000000000000000..a82e22ccfd13e885db6a586cc1baee789bc8139f
--- /dev/null
+++ b/chunks/json/3f8c5fa10c733c7bae1ec05a87a02f5fa20d02aa7a1f205939f29276c499246d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1737,"char_start":0,"chunk_id":"chk_5690c2591bd66003","chunk_index":0,"chunk_sha256":"3f8c5fa10c733c7bae1ec05a87a02f5fa20d02aa7a1f205939f29276c499246d","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_19e26ae5e9347dd1","text_sha256":"3f8c5fa10c733c7bae1ec05a87a02f5fa20d02aa7a1f205939f29276c499246d","token_estimate":531,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/William_J__Pulte___FHFA_yvavr.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/about/leadership/william-j-pulte\"\ndate_accessed: \"2026-01-27T17:47:50.338Z\"\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/3fa8bf2e10ed62d275accb17580f9fe3b8b49e135aad1aec6227a2788aa027e5.json b/chunks/json/3fa8bf2e10ed62d275accb17580f9fe3b8b49e135aad1aec6227a2788aa027e5.json
new file mode 100644
index 0000000000000000000000000000000000000000..cb703e2fc8bead3d69d9546543b50f75787e0659
--- /dev/null
+++ b/chunks/json/3fa8bf2e10ed62d275accb17580f9fe3b8b49e135aad1aec6227a2788aa027e5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7178,"char_start":5555,"chunk_id":"chk_cbaaebde4c8a23b6","chunk_index":3,"chunk_sha256":"3fa8bf2e10ed62d275accb17580f9fe3b8b49e135aad1aec6227a2788aa027e5","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_64a28141a0390043","text_sha256":"3fa8bf2e10ed62d275accb17580f9fe3b8b49e135aad1aec6227a2788aa027e5","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/earlycheck-release-notes-2024.pdf"]},"text":"See Selling Guide Announcement 2024-03 and EarlyCheck\nEdit Messages for more details.\n\n•\n\n•\n\n•\n\n•\n\n•\n\n1 edit severity change\n\n3 new edits with severity Observational\n\n2 edit severity change\n\n2 Warning edits modified\n\n1 new edit with severity Warning\n\nULDD-\nMISMO 3.0\n\n•\n\n2 New Edits with severity Fatal\n\nMay 20\n\n7.6.14\n\nCondo\nProject\nManager\n\nTo ensure data integrity, EarlyCheck will begin validating\nthat the data provided in Condo Project Manager (CPM)\nmatches the data provided in EarlyCheck.\n\nULDD-\nMISMO 3.0\n\n• 5 New Edits with severity Warning\n\n© 2025 Fannie Mae\n\nEffective\nDate\n\nImpacted\nArea\n\nVersion\n\nDescription\n\nFile\nType\n\nImpact\n\nNew edits will validate that the following datapoints\nmatch:\n\n• Property State\n• Legal Structure\n• Manufactured Housing\n\nFor a comprehensive list of edit updates, see EarlyCheck\nEdit Messages.\n\nMay 20\n\nEdit Updates\n\n7.6.14\n\nOne edit related to Community Lending will move to\nWarning to Fatal\n\nULAD-\nMISMO 3.4\n\n• 1 Edit with severity change\n\nNew edits related to Credit score\n\nOne Edit related to Credit Score will move to Warning to\nFatal, one edit related to Community Lending will move to\nWarning to Fatal\n\nULDD-\nMISMO 3.0\n\n• 3 New Edits with severity Warning to Fatal\n\n• 2 Edits with severity change\n\nJune 24\n\nEdit Updates\n\n7.6.15\n\nOne edit related to Community Lending will move to Fatal\n\nOne new edit related to Mission Index\n\nULAD-\nMISMO 3.4\n\n• 1 edit with severity change\n\n• 1 new edit with severity Observational\n\nOne edit related to Loan Program will move to Fatal, one\nedit related to Community Lending will move to Fatal\n\nULDD-\nMISMO 3.0\n\n• 2 edit with severity change\n"}
diff --git a/chunks/json/3faaa0d233e72783821d0389b9c89c910d01907c8cdf07add36cde0d50e3a42b.json b/chunks/json/3faaa0d233e72783821d0389b9c89c910d01907c8cdf07add36cde0d50e3a42b.json
new file mode 100644
index 0000000000000000000000000000000000000000..862b128a78099f1cdcbe0772c743000eb6188550
--- /dev/null
+++ b/chunks/json/3faaa0d233e72783821d0389b9c89c910d01907c8cdf07add36cde0d50e3a42b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":604168,"char_start":602562,"chunk_id":"chk_27afbed61cac12c3","chunk_index":359,"chunk_sha256":"3faaa0d233e72783821d0389b9c89c910d01907c8cdf07add36cde0d50e3a42b","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"3faaa0d233e72783821d0389b9c89c910d01907c8cdf07add36cde0d50e3a42b","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"If 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\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nYes\n22.12.07\n\nYes\n22.12.07\n\nYes\n22.12.09\n\nYes\n22.12.11\n\nFor Amenity Category Outdoor Accessories, Amenity Type\n•\n•\n•\n•\n•\n•\n\nFence\nIrrigation System\nOutdoor Fireplace\nOutdoor Kitchen\nOutdoor Riding Ring\nSports Court\n\nAmenity Count (for the indicated outdoor accessory amenity)\n\nFor Amenity Category Outdoor Living, Amenity Type\n•\n•\n•\n•\n•\n•\n\nBalcony\nDeck\nGazebo\nPatio\nPorch\nPortico\n\nFor Amenity Category Water Features, Amenity Type\n•\n•\n•\n•\n\nInground Pool\nInground Spa\nOutdoor Shower\nSauna\n\nNote: If the pool, spa, or sauna is indoor, select Indoor as Amenity\nFeature.\n\n•\n\n•\n\n•\n\nSubject Property\nAmenities\n•\n\nAmenity Category\n14.001 is Outdoor\nLiving\nAmenity Type\n14.002\n\nSubject Property\nAmenities\n•\n\nAmenity Category\n14.001 is Water\nFeatures\nAmenity Type\n14.002\n\nAppendix F-1: URAR Reference Guide\n\nPage 264 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: Property Amenities\n\n22.12.03\n22.12.10\n\nWater\nFeatures\n\nIf relevant\n\nIf applicable for the\nInground Pool,\nInground Spa, or\nSauna\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nSubject Property\nAmenities\n•\n"}
diff --git a/chunks/json/3faf6edc02be1004d6f5086414f37a988da86c90e08b6340bf342fd8bf96e8cd.json b/chunks/json/3faf6edc02be1004d6f5086414f37a988da86c90e08b6340bf342fd8bf96e8cd.json
new file mode 100644
index 0000000000000000000000000000000000000000..07d22c53a02f40038bd29d643b368bdc5c5e1e7d
--- /dev/null
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diff --git a/chunks/json/3fb84c469f020e104e17a0505dcf5a31215814bc894780ed36004e79356d3ea0.json b/chunks/json/3fb84c469f020e104e17a0505dcf5a31215814bc894780ed36004e79356d3ea0.json
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+{"chunk":{"char_end":13622,"char_start":11961,"chunk_id":"chk_267a085b6b681d2a","chunk_index":6,"chunk_sha256":"3fb84c469f020e104e17a0505dcf5a31215814bc894780ed36004e79356d3ea0","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"3fb84c469f020e104e17a0505dcf5a31215814bc894780ed36004e79356d3ea0","token_estimate":415,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"Completion Status\n\nThe Completion Status section displays when Original Market Value Condition (02.003) includes Subject to\nCompletion Per Plans, such as for new construction or incomplete construction.\n\nCommentary and Free-form Comments\n\nSection commentary must be entered in the applicable section:\n• Completion Report Commentary (06.001)\n• Assignment Information and Scope of Work Commentary (08.043)\n\nIn addition, there are tables that include space for comments or descriptions. Concise comments should be\nentered in the applicable section as opposed to typing in “see below.”\n\nAppendix F-3: Completion Report Reference Guide\n\nPage 7 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nPhotos and Images\n\nOverview\n\nWith the exception of the following, all photos and images display in Completion Report Exhibits.\n• A photo displays at the top of the Subject Property section.\n•\n\nLegal Description image, if applicable, displays in the Legal Description subsection of the Subject Property\nsection (01.003).\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.\n\n• The table below indicates when photos are required per the Reference Guide.\n\no Examples:\n\n▪ A photo (“Property Photo”) must be displayed at the top of the Subject Property section.\n▪ Photos are required for all repair items.\n"}
diff --git a/chunks/json/3fc200a3226c7338d05a997bde3c6f8efea9d44a7436e7e0aa418d0260ee79af.json b/chunks/json/3fc200a3226c7338d05a997bde3c6f8efea9d44a7436e7e0aa418d0260ee79af.json
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+{"chunk":{"char_end":10264,"char_start":8634,"chunk_id":"chk_dadda2531338531c","chunk_index":5,"chunk_sha256":"3fc200a3226c7338d05a997bde3c6f8efea9d44a7436e7e0aa418d0260ee79af","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_a2c65539e863252b","text_sha256":"3fc200a3226c7338d05a997bde3c6f8efea9d44a7436e7e0aa418d0260ee79af","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Budget__Finances__and_Performance___FHFA_t7yo7r.md"]},"text":"FHFA is an independent agency with a unique mission responsible for providing oversight of the housing government-sponsored enterprises (GSEs or alternatively, ‘the regulated entities’).\n\nThe housing GSEs include Fannie Mae, Freddie Mac (known as the Enterprises), the Federal Home Loan Banks and the FHLBanks’ joint Office of Finance (known as the Federal Home Loan Bank System).\n\nThe focus of FHFA’s mission is to promote their safety and soundness and ensure that the GSEs serve as a reliable source of liquidity and funding for housing finance and community investment.\n\n## Key Documents\n\n- ## ​FHFA's Strategic Plan\n\nThe Plan formalizes FHFA's, and its regulated entities', new direction by updating the Agency's mission, vision, and values, and by establishing three new 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\n- ## ​Performance and Accountability Report\n\nThis annual report describes FHFA's accomplishments, as well as challenges, the agency faced in meeting the strategic goals and objectives during the past fiscal year.\n\n[Read More](/reports/fhfa-performance-and-accountability-report)\n\n- ## ​Strategic Plan for Enterprise Conservatorships\n\nThis plan outlines objectives and steps FHFA is taking, or will take, to meet its obligations as conservator of Fannie Mae and Freddie Mac.\n\n[Read More](/reports/conservatorship-strategic-plan)\n"}
diff --git a/chunks/json/3fd7692648305af4fbb09c5f8987e3c430fb4a8bc4630444725aa7558d640169.json b/chunks/json/3fd7692648305af4fbb09c5f8987e3c430fb4a8bc4630444725aa7558d640169.json
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+{"chunk":{"char_end":8661,"char_start":7077,"chunk_id":"chk_fa9740af3614746a","chunk_index":4,"chunk_sha256":"3fd7692648305af4fbb09c5f8987e3c430fb4a8bc4630444725aa7558d640169","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_874d0463a2fa2d83","text_sha256":"3fd7692648305af4fbb09c5f8987e3c430fb4a8bc4630444725aa7558d640169","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Guarantee_Fees_History___FHFA_hq9o1.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 - Guarantee Fees History\n\nPolicy\n\n# Guarantee Fees History\n\n## Fannie Mae and Freddie Mac Guarantee Fees\n\nFannie Mae and Freddie Mac buy single-family mortgages from mortgage companies, commercial banks, credit unions, and other financial institutions. In most cases, a lender receives mortgage-backed securities (MBS) in exchange for the loans.\n"}
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diff --git a/chunks/json/3fea9f5ce1aa04ca7bc7c265fde109837a0d817a1e75f3c9a2dfdae602409521.json b/chunks/json/3fea9f5ce1aa04ca7bc7c265fde109837a0d817a1e75f3c9a2dfdae602409521.json
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+{"chunk":{"char_end":17083,"char_start":15463,"chunk_id":"chk_1f9423260a27a313","chunk_index":9,"chunk_sha256":"3fea9f5ce1aa04ca7bc7c265fde109837a0d817a1e75f3c9a2dfdae602409521","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_30543138a1c3e2a6","text_sha256":"3fea9f5ce1aa04ca7bc7c265fde109837a0d817a1e75f3c9a2dfdae602409521","token_estimate":410,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/frequently-asked-questions-du-spec.pdf"]},"text":"Loan Amount /\nAmount to be\nDrawn\nJ. Other New\nMortgage Loans\n\n15,000.00\n\n4,000.00\n\n19,000.00\n\nThe screen shots below display how the XML data maps to the form for scenario 1.\n\n15\n\nScenario 1 Calculations:\n\n16\n\nCalculating the LTV: Loan Amount / Property value\n\nUsing the example data: 300,000 / 375,000 = 80%\nDU Findings rounds up: 80%\n\nCalculating Combined LTV: (Loan Amount + Subordinate Lien(s) Balance + HELOC Unpaid Balance) /\nProperty Value\n\nUsing the example data: (300,000 + (15,000 + 4,000)) / 375,000 = 85.066%\nDU Findings rounds up: 86%\n\nCalculating HCLTV: (Loan Amount + Subordinate Lien(s) Balance + HELOC Credit Limit Amount) /\nProperty Value\n\nUsing the example data: (300,000 + (25,000 + 12,000)) / 375,000 = 89.866% DU\nFindings rounds up: 90%\n\n17\n\nScenario 1 Calculations:\n\nCalculating the LTV: Loan Amount / Property Value\n\nUsing the example data: 300,000 / 375,000 = 80%\nDU Findings rounds up: 80%\n\nCalculating Combined LTV: (Loan Amount + HELOC Balance Amounts) / Property Value\n\nUsing the example data: (300,000 + (15,000 + 4,000)) / 375,000 = 85.066%\nDU Findings rounds up: 86%\n\nCalculating HCLTV: (Loan Amount + HELOC Credit Limit Amounts) / Property Value\n\nUsing the example data: (300,000 + (25,000 + 12,000)) / 375,000 = 89.866%\nDU Findings rounds up: 90%\n\nScenario 2 – In this refinance transaction the Subject Property has an existing HELOC loan that is not being\npaid off. The existing HELOC has an unpaid balance of $3,000.00, a credit limit of $20,000.00 and an\nundrawn amount of $17,000.00.\n\nExisting HELOC Loan\n\nLiabilityUnpaidBalanceAmount (6.0021)\nHELOCMaximumBalanceAmount (6.0095)\n"}
diff --git a/chunks/json/3fed346c57263657804d37987fd3bfec14e78ca5a4468e160e29a83965413936.json b/chunks/json/3fed346c57263657804d37987fd3bfec14e78ca5a4468e160e29a83965413936.json
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+{"chunk":{"char_end":26404,"char_start":24763,"chunk_id":"chk_ff78dc4facb44abc","chunk_index":15,"chunk_sha256":"3fed346c57263657804d37987fd3bfec14e78ca5a4468e160e29a83965413936","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"3fed346c57263657804d37987fd3bfec14e78ca5a4468e160e29a83965413936","token_estimate":411,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"Townhouse Back to Back\n\nTownhouse Location\n\nConstruction Method\n\nManufactured Home Width\n\nDwelling Style\n\nTotal Dwelling Volume\n\nWindow Surface Area\n\nFunctional Issues\n\nDisaster Mitigation\n\nHeating\n\nCooling\n\nEnergy Efficient and Green Features\n\nRenewable Energy\nComponent\n\nBuilding Certification\n\nEfficiency Rating\n\nUnit(s)\n\nStructure ID | Unit ID\n\nLocation of ADU\n\nFloor Number\n\nCorner Unit\n\nLevels in Unit\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Above\nGrade (Nonstandard)\n\nUnfinished Area Above\nGrade\n\nFinished Area Below Grade\n\nFinished Area Below Grade\n(Nonstandard)\n\nUnfinished Area\nBelow Grade\n\nFeatures for Individuals\nw/Disabilities\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nStructure ID\n\nQuality\n\nExterior Walls and Trim\n\nFoundation\n\nRoof\n\nWindows\n\nCondition\n\nExterior Walls and Trim\n\nFoundation\n\nRoof\n\nWindows\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\nProperty Address\n\nInterior Quality and Condition\n\nStructure ID | Unit ID\n\nQuality\n\nKitchen\n\nOverall Bathrooms\n\nOverall Flooring\n\nWalls and Ceiling\n\nCondition\n\nKitchen\n\nOverall Bathrooms\n\nOverall Flooring\n\nWalls and Ceiling\n\nADU Interior Quality and Condition\n\nLocation of ADU\n\nQuality\n\nKitchen\n\nOverall Bathrooms\n\nOverall Flooring\n\nWalls and Ceiling\n\nCondition\n\nKitchen\n\nOverall Bathrooms\n\nOverall Flooring\n\nWalls and Ceiling\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n"}
diff --git a/chunks/json/404a0cd218b6f8c38a33686ccc43206185da0c3830842a2206ecd40f881c102c.json b/chunks/json/404a0cd218b6f8c38a33686ccc43206185da0c3830842a2206ecd40f881c102c.json
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+{"chunk":{"char_end":22711,"char_start":20997,"chunk_id":"chk_7f56c94c104480de","chunk_index":13,"chunk_sha256":"404a0cd218b6f8c38a33686ccc43206185da0c3830842a2206ecd40f881c102c","date_utc":"2026-01-27T18:07:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_221a19b69e218256","text_sha256":"404a0cd218b6f8c38a33686ccc43206185da0c3830842a2206ecd40f881c102c","token_estimate":429,"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 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\nAppraisal Summary\n\nOpinion of Market Value\nMarket Value Condition\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\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"}
diff --git a/chunks/json/40576143672d7dd9dc9be75f029dcf959bbb093898276b8cd5e238537352dc60.json b/chunks/json/40576143672d7dd9dc9be75f029dcf959bbb093898276b8cd5e238537352dc60.json
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@@ -0,0 +1 @@
+{"chunk":{"char_end":8323,"char_start":7063,"chunk_id":"chk_7525879f7aba4757","chunk_index":4,"chunk_sha256":"40576143672d7dd9dc9be75f029dcf959bbb093898276b8cd5e238537352dc60","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_751549225b5f2639","text_sha256":"40576143672d7dd9dc9be75f029dcf959bbb093898276b8cd5e238537352dc60","token_estimate":350,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Sitemap___FHFA_bmxe9.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# Sitemap\n\n[Front page of *U.S. FEDERAL HOUSING*](/)\n\n## Main navigation\n"}
diff --git a/chunks/json/4064b11272711788bf5e406690bf79851d73c915b99d5c3682bd368b9ba79aa8.json b/chunks/json/4064b11272711788bf5e406690bf79851d73c915b99d5c3682bd368b9ba79aa8.json
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index 0000000000000000000000000000000000000000..a1bd4efb4422acb517183822bd74219afa96f366
--- /dev/null
+++ b/chunks/json/4064b11272711788bf5e406690bf79851d73c915b99d5c3682bd368b9ba79aa8.json
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+{"chunk":{"char_end":5057,"char_start":3334,"chunk_id":"chk_b03ec1360e09eb38","chunk_index":2,"chunk_sha256":"4064b11272711788bf5e406690bf79851d73c915b99d5c3682bd368b9ba79aa8","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0422410895f167bc","text_sha256":"4064b11272711788bf5e406690bf79851d73c915b99d5c3682bd368b9ba79aa8","token_estimate":431,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-readiness-checklist-direct-integrators.pdf"]},"text":"critical edits into the production environment.\n\n Establish a process for accepting customer feedback and addressing issues in time for lenders to re-test\n\nprior to mandate dates.\n\n Review the reporting available from the GSEs on UCD Critical Edits Phase 3B Postponed and Phase 4 to\n\ntrack your progress and readiness.\n\n Execute a plan for retiring the capability to submit UCD v1.5 files on and after the mandate date.\n\nSEPTEMBER 29, 2025 — BEGIN UCD V1.5 TO UCD V2.0 TRANSITION PERIOD\n\nUSING THE SUBSCHEMA PACKAGE FOR XML FILE VALIDATION\n\nThe UCD Subschema was created as a development tool to validate test XML files. The Subschema will flag (as\nschema errors) the containers, data points, attributes and enumerations that are no longer supported in UCD\nv2.0. The GSEs recommend that the UCD Subschema be used throughout the development process to ensure\nproper compliance with the new data requirements.\n\nNote: When you move to production, you will need to discontinue use of the UCD Subschema and use the full\nMISMO v3.3.0 schema plus the UCD.xsd file. All the UCD.xsd files needed to produce the production XML file\nhave been provided in the UCD v2.0 Production Schema on the GSEs websites.\n\nTips for using the UCD Subschema for testing UCD v2.0 files:\n\n• Be sure to correctly spell containers, data points, attributes and enumerations. Check that the sequence\n\nand format comply with UCD v2.0.\n\n• Deliver all required data points. The UCD Subschema cannot enforce data points that are conditionally\n\nrequired.\nIf data points not included in UCD v2.0 are present in the XML file, the UCD Subschema will flag them as\nerrors.\nInclude the new UCD.xsd file for data points and enumerations in ucd:FEE_EXTENSION_DETAIL.\n"}
diff --git a/chunks/json/406a63071a10f2a3902a56373b72a7d02392cbba8cb904afe4e8f529fb963b04.json b/chunks/json/406a63071a10f2a3902a56373b72a7d02392cbba8cb904afe4e8f529fb963b04.json
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index 0000000000000000000000000000000000000000..f8704531cb17e32cffa349894e1dc655cee62f6a
--- /dev/null
+++ b/chunks/json/406a63071a10f2a3902a56373b72a7d02392cbba8cb904afe4e8f529fb963b04.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":30521,"char_start":28875,"chunk_id":"chk_914da9ba79485e89","chunk_index":17,"chunk_sha256":"406a63071a10f2a3902a56373b72a7d02392cbba8cb904afe4e8f529fb963b04","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"406a63071a10f2a3902a56373b72a7d02392cbba8cb904afe4e8f529fb963b04","token_estimate":412,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"The ratio of the borrower’s (or borrowers’)\nannual income to the area median family\nincome for the reporting year. This is the ratio\nused to determine whether borrower’s (or\nborrowers’) income qualifies for an income-\nbased housing goal. This is the ratio defined at\n12 CFR 1282.15(b)(1) for owner-occupied\nunits.\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\n13\n\n8\n\nincome_ratio\n\nBorrower Income Ratio\n\n9999.000 = Not Applicable or Not\nAvailable\nExample of data format: 0.5811 = The\nborrower(s) annual income is 58.11\npercent of the area median family\nincome.\n\n14\n\n9\n\nupb_acq\n\nAcquisition Unpaid\nPrincipal Balance (UPB)\n\n999999999 = Not available\n\nSF CTF\n\n22\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\n15\n\npurpose_ctf\n\nPurpose of Loan\n\n16\n\n1\n\nfed_guarantee_ctf\n\nFederal Guarantee\n\n17\n18\n\n2\n1\n\nborr_num\nfthb\n\nNumber of Borrowers\nFirst-Time Home Buyer\n\n19-23 1\n\nrace1_borr,\nrace2_borr,\nrace3_borr,\nrace4_borr,\nrace5_borr\n\nBorrower Race\n\nPurpose of loan reported by the Enterprise. *\nPurchases include subordinate liens and\nhome improvement/rehabilitation loans that\nare associated with a home purchase.\n\n*Includes FHA HECM and Title 1 loans.\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\n"}
diff --git a/chunks/json/406af8fee9a4be6e94a9490d67d35f2b2ab1daaaeada48c8bb77dfdbbae82e4f.json b/chunks/json/406af8fee9a4be6e94a9490d67d35f2b2ab1daaaeada48c8bb77dfdbbae82e4f.json
new file mode 100644
index 0000000000000000000000000000000000000000..fd56a43354a3e83eb7a65656cddd39a8fe660cb2
--- /dev/null
+++ b/chunks/json/406af8fee9a4be6e94a9490d67d35f2b2ab1daaaeada48c8bb77dfdbbae82e4f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":724426,"char_start":722364,"chunk_id":"chk_163f816de8e4ebcc","chunk_index":429,"chunk_sha256":"406af8fee9a4be6e94a9490d67d35f2b2ab1daaaeada48c8bb77dfdbbae82e4f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"406af8fee9a4be6e94a9490d67d35f2b2ab1daaaeada48c8bb77dfdbbae82e4f","token_estimate":516,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"8\n\n14\n\n14\n\n14\n\n6\n\n6\n\n6\n\n10\n\n10\n\n10\n\n10\n\n10\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\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\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 1-53, 1-54, 1-55\n(values of Property Neighborhood Location\nType) should be indicated.\nOne and only one of fields 1-53, 1-54, 1-55\n(values of Property Neighborhood Location\nType) should be indicated.\nOne and only one of fields 1-53, 1-54, 1-55\n(values of Property Neighborhood Location\nType) should be indicated.\nOne and only one of fields 1-56, 1-57, 1-58\n(values of Neighborhood Builtup Range\nType) should be indicated.\nOne and only one of fields 1-56, 1-57, 1-58\n(values of Neighborhood Builtup Range\nType) should be indicated.\nOne and only one of fields 1-56, 1-57, 1-58\n(values of Neighborhood Builtup Range\nType) should be indicated.\nOne and only one of fields 1-59, 1-60, 1-61\n(values of Neighborhood Growth Pace Type)\nshould be indicated.\nOne and only one of fields 1-59, 1-60, 1-61\n(values of Neighborhood Growth Pace Type)\nshould be indicated.\nOne and only one of fields 1-59, 1-60, 1-61\n(values of Neighborhood Growth Pace Type)\nshould be indicated.\nOne and only one of fields 1-62, 1-63, 1-64\n(values of Neighborhood Property Value\nTrend Type) must be indicated.\nOne and only one of fields 1-62, 1-63, 1-64\n(values of Neighborhood Property Value\nTrend Type) must be indicated.\nOne and only one of fields 1-62, 1-63, 1-64\n(values of Neighborhood Property Value\nTrend Type) must be indicated.\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 1-65, 1-66, 1-67\n(values of Neighborhood Demand and\nSupply Type) must be indicated.\n"}
diff --git a/chunks/json/407ed67f742edc5b5a18216420a5cb177a9cf331a56aa2c30c00d5e44739954e.json b/chunks/json/407ed67f742edc5b5a18216420a5cb177a9cf331a56aa2c30c00d5e44739954e.json
new file mode 100644
index 0000000000000000000000000000000000000000..399c4e5b1ff5e3672154415d43ccf10772da06a2
--- /dev/null
+++ b/chunks/json/407ed67f742edc5b5a18216420a5cb177a9cf331a56aa2c30c00d5e44739954e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13497,"char_start":11900,"chunk_id":"chk_b42fbfca4f300d4f","chunk_index":7,"chunk_sha256":"407ed67f742edc5b5a18216420a5cb177a9cf331a56aa2c30c00d5e44739954e","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6d5adf56d1237dd1","text_sha256":"407ed67f742edc5b5a18216420a5cb177a9cf331a56aa2c30c00d5e44739954e","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":"Metal plumbing\nfixtures.\n\nMetal plumbing\nfixtures.\n\nOverall Update Status for\nBathrooms\n\nFully Updated\n\nCondition Status\nNew or Like New\n\nCondition Comment\n\nNew or Like New\n\nNew or Like New\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 8 of 20\n\nUnit Interior (continued)\n\nInterior Features\n\nFeature\nFlooring\n\nDetail\nCarpet\n\nLaminate\n\nQuality Comment\nUpgraded Carpet\n\nWalls and Ceiling\n\n8 Foot | Flat | Vaulted\n\nOverall Update Status for\nFlooring\n\nFully Updated\n\nApparent Defects, Damages, Deficiencies (Unit Interior)\n\nNone\n\nUnit Interior Exhibits\n\nCondition Comment\n\nCondition Status\nNew or Like New\n\nNew or Like New\n\nNew or Like New\n\nLevel 1 - Bedroom - Primary Bedroom\n\nLevel 1 - Bedroom - Bedroom 2\n\nThis is where the Bedroom photo would display.\n\nThis is where the Bedroom photo would display.\n\nLevel 1 - Bedroom - Bedroom 3\n\nLevel 1 - Bath - Full - Primary Bath\n\nThis is where the Bedroom photo would display.\n\nThis is where the Bath photo would display.\n\nLevel 1 - Bath - Full - Bath 2\n\nLevel 1 - Dining Room\n\nThis is where the Bath photo would display.\n\nThis is where the Dining Room 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 9 of 20\n\nUnit Interior (continued)\n\nLevel 1 - Kitchen - Living Room\n\nFunctional Obsolescence\n\nFunctional Issues\n\nNone\n\nVehicle Storage\n\nStorage\nDriveway\n\nGarage\n\nNumber of Parking Spaces\n4\n"}
diff --git a/chunks/json/408f0380bc01413f4529b2f706bffdd88be340c7699639a2cd5d474ec26fadae.json b/chunks/json/408f0380bc01413f4529b2f706bffdd88be340c7699639a2cd5d474ec26fadae.json
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index 0000000000000000000000000000000000000000..c9173e858c27150b429616f76d1dda3811647ef7
--- /dev/null
+++ b/chunks/json/408f0380bc01413f4529b2f706bffdd88be340c7699639a2cd5d474ec26fadae.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":575512,"char_start":573632,"chunk_id":"chk_5b9d9e3a66704366","chunk_index":331,"chunk_sha256":"408f0380bc01413f4529b2f706bffdd88be340c7699639a2cd5d474ec26fadae","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"408f0380bc01413f4529b2f706bffdd88be340c7699639a2cd5d474ec26fadae","token_estimate":470,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"19. 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\n20. 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\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\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 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 22 of 22\nPage 22 of 22\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"}
diff --git a/chunks/json/4091e746b287219150481b504b0ead2b0129634c7cbfcf7d68d7543219b765e1.json b/chunks/json/4091e746b287219150481b504b0ead2b0129634c7cbfcf7d68d7543219b765e1.json
new file mode 100644
index 0000000000000000000000000000000000000000..7d8351bc96084d1c649542f92d150e930040999b
--- /dev/null
+++ b/chunks/json/4091e746b287219150481b504b0ead2b0129634c7cbfcf7d68d7543219b765e1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":35286,"char_start":33089,"chunk_id":"chk_828ae74354b69c54","chunk_index":18,"chunk_sha256":"4091e746b287219150481b504b0ead2b0129634c7cbfcf7d68d7543219b765e1","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"4091e746b287219150481b504b0ead2b0129634c7cbfcf7d68d7543219b765e1","token_estimate":550,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"To conform to HMDA reporting\nrequirements, FHFA has incorporated\nthese five fields in the single-family\nCensus Tract File to reflect HMDA’s co-\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 single-family\nNational Files A and B, and the\nalgorithm used for collapsing the five\nco-borrower race or national origin\nfields and co-borrower ethnicity field to\nthe single data field is the same as that\nused for the five borrower race or\nnational origin fields and borrower\nethnicity field discussed under single-\nfamily data fields 41a-41e above.\n\nd. Single-Family Data Field 42f: Co-\nBorrower Ethnicity\n\nThis new data field identifies the\nethnicity of the co-borrower of the loan\nacquired by the Enterprise. The\nEnterprises have been reporting single-\nfamily co-borrower ethnicity to FHFA,\nbut the data was previously included\nunder code 7 (Hispanic or Latino) in\ndata field 42 in the single-family PUDB\n\nfiles, and not as a separate data field.\nThe Enterprises did not comment on\nthis data field.\n\nTo conform to HMDA reporting\n\nrequirements for co-borrower ethnicity,\nFHFA has added this data element as\nnew data field 42f in the single-family\nCensus Tract File. (See the single-family\nmatrix in the Appendix for the specific\ncodes that apply.)\n\ne. Single-Family Data Field 59: Lien\nStatus\n\nThis new data field identifies the lien\n\nstatus of the single-family loans\nacquired by the Enterprises. The\nEnterprises have been reporting single-\nfamily lien status under the ‘‘purpose of\nloan’’ data field. Freddie Mac confirmed\nthat it collects single-family lien status\ndata when it purchases mortgage loans\nand currently provides this data to\nFHFA. Freddie Mac stated that the\nsingle-family lien status data field\nshould be identified in the PUDB as ‘‘not\napplicable’’ because of the Enterprises’\nstatus as loan purchasers, asserting that\nthe HMDA instructions specifically\ndifferentiate between the reporting\nrequirements and data element coding\nfor originated versus purchased loans.\nFannie Mae did not comment on single-\nfamily lien status.\n"}
diff --git a/chunks/json/409e252a6e901612587bc86e66b561cfa380e15013dae2ec720cfa89c669553e.json b/chunks/json/409e252a6e901612587bc86e66b561cfa380e15013dae2ec720cfa89c669553e.json
new file mode 100644
index 0000000000000000000000000000000000000000..bb8e95a976820896b8cafb5bdb2f1222294bdf58
--- /dev/null
+++ b/chunks/json/409e252a6e901612587bc86e66b561cfa380e15013dae2ec720cfa89c669553e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11864,"char_start":8948,"chunk_id":"chk_da5f6aa44254b9d7","chunk_index":5,"chunk_sha256":"409e252a6e901612587bc86e66b561cfa380e15013dae2ec720cfa89c669553e","date_utc":"2026-01-27T17:50:59+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_0be59de6f173b03e","text_sha256":"409e252a6e901612587bc86e66b561cfa380e15013dae2ec720cfa89c669553e","token_estimate":789,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Uniform_Appraisal_Dataset__UAD__Aggregate_Statisti_l6yr1e.md"]},"text":"## Documentation\n\n[Overview](/document/uad-aggregate-statistics-data-file-overview.pdf) (10/28/2024)\n\n[Data Dictionary](/document/uad-aggregate-statistics-data-file-dictionary.pdf) (10/28/2024)\n\n[Data File Version History and Suppression Rates](/document/uad-aggregate-statistics-data-file-version-history-and-suppression-rates-v3_3.pdf) (12/18/2024)\n\n[Dashboard Guide](/document/UAD-Aggregate-Statistics-Dashboard-Guide-Documentation.pdf) (2/3/2025)\n\n## UAD Aggregate Statistics Dashboards\n\nThe [UAD Aggregate Statistics Dashboards](/data/uad/aggregate-statistics-dashboards) are the visual front end of the UAD Aggregate Statistics Data File. The Dashboards are designed to provide easy access to customized maps and charts for all levels of users. Access the UAD Aggregate Statistics Dashboards [here](/data/uad/aggregate-statistics-dashboards).\n\n## UAD Aggregate Statistics Datasets\n\nNotes:\n\n- Some of the data files are relatively large in size and will not open correctly in certain software packages, such as Microsoft Excel. All the files can be opened and used in data analytics software such as SAS, Python, or R.\n- All CSV files are zipped.\nEnterprise Single Family Appraisals​ Format Release Date **Quarterly ​Data (2013 Q1-2024 Q3); Annual Data (2013-2023)** All Geographic Areas​ [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_full_v3_3.zip) 12/18/2024 National [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_nat_v3_3.zip) 12/18/2024 States [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_state_v3_3.zip) 12/18/2024 100 Largest Metro Areas [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_cbsa_v3_3.zip) 12/18/2024 Counties [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_county_v3_3.zip) 12/18/2024 Census Tracts [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_tract_v3_3.zip) 12/18/2024 Enterprise Condominium Appraisals Format Release Date **Quarterly ​Data (2013 Q1-2024 Q3); Annual Data (2013-2023)** All Geographic Areas​ [[CSV]](/sites/default/files/2024-12/UADAggs_ent_condo_full_v3_3.zip) 12/18/2024 National [[CSV]](/sites/default/files/2024-12/UADAggs_ent_condo_nat_v3_3.zip) 12/18/2024 States [[CSV]](/sites/default/files/2024-12/UADAggs_ent_condo_state_v3_3.zip) 12/18/2024 100 Largest Metro Areas [[CSV]](/sites/default/files/2024-12/UADAggs_ent_condo_cbsa_v3_3.zip) 12/18/2024 FHA Single-Family Appraisals Format Release Date **Quarterly ​Data (2017 Q1-2024 Q3); Annual Data (2017-2023)** All Geographic Areas​ [[CSV]](/sites/default/files/2024-12/UADAggs_fha_sf_full_v3_3.zip) 12/18/2024 National [[CSV]](/sites/default/files/2024-12/UADAggs_fha_sf_nat_v3_3.zip) 12/18/2024 States [[CSV]](/sites/default/files/2024-12/UADAggs_fha_sf_state_v3_3.zip) 12/18/2024 100 Largest Metro Areas [[CSV]](/sites/default/files/2024-12/UADAggs_fha_sf_cbsa_v3_3.zip) 12/18/2024 Counties [[CSV]](/sites/default/files/2024-12/UADAggs_fha_sf_county_v3_3.zip) 12/18/2024 ## Contact\n"}
diff --git a/chunks/json/40c1dbb499a401b64bb8da5b446c2eb8f7dd8d5a799065e3573f78960e942027.json b/chunks/json/40c1dbb499a401b64bb8da5b446c2eb8f7dd8d5a799065e3573f78960e942027.json
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+{"chunk":{"char_end":10659,"char_start":8974,"chunk_id":"chk_ff6e4b0868ca125d","chunk_index":5,"chunk_sha256":"40c1dbb499a401b64bb8da5b446c2eb8f7dd8d5a799065e3573f78960e942027","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ff99c905ab4011ea","text_sha256":"40c1dbb499a401b64bb8da5b446c2eb8f7dd8d5a799065e3573f78960e942027","token_estimate":421,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHLBank_System_at_100__Focusing_on_the_Future_Repo_g0due.md"]},"text":"Today, the FHLBanks connect domestic financial institutions—many of which are small, community-focused lenders—to the global capital markets. Those connections make it possible for lenders to provide more consistent and sustained support for housing finance and community development. By many metrics, the FHLBanks have achieved this objective, as the liquidity they provide has facilitated affordable homeownership and rental housing throughout the country. Despite these successes, the evolving nature of the modern mortgage market necessitates an in-depth review of the structure, operations, and oversight of the FHLBanks to ensure they are most effectively advancing their mission.\n\nThe Federal Housing Finance Agency (FHFA), established by Congress in 2008, serves as regulator of the FHLBank System. In August 2022, FHFA launched the *FHLBank System at 100: Focusing on the Future* initiative, the first comprehensive review of the FHLBank System in decades. Throughout this process, FHFA undertook a prospective analysis of changes that may be warranted to ensure the FHLBanks are well positioned to fulfill their mission in the years ahead. The initiative involved significant stakeholder outreach, a historical review of the role of the FHLBanks, and detailed analysis of both the strengths and areas for improvement in the System’s current structure.\n\nFHFA’s vision for the future is to have an effectively governed System that efficiently provides stable and reliable funding to creditworthy members and delivers innovative products and services to support the housing and community development needs of the communities its members serve, all in a safe and sound manner.\n"}
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diff --git a/chunks/json/40d715d4e1aebc2b6a524e232fb939573a9c45da61f5cd322d6f18f9bbc19c51.json b/chunks/json/40d715d4e1aebc2b6a524e232fb939573a9c45da61f5cd322d6f18f9bbc19c51.json
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+{"chunk":{"char_end":685515,"char_start":683906,"chunk_id":"chk_9e101f4e6ac14183","chunk_index":408,"chunk_sha256":"40d715d4e1aebc2b6a524e232fb939573a9c45da61f5cd322d6f18f9bbc19c51","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"40d715d4e1aebc2b6a524e232fb939573a9c45da61f5cd322d6f18f9bbc19c51","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Sale Price is only\napplicable to\ncomparables\n\nSale Date is only\napplicable to\ncomparables\n\nIs Gross Monthly Rent\nEstimated is only\napplicable to\ncomparables\n\nRental Information\n•\nTotal Monthly\nActual Rent\n23.01.14\n\nGross Rent Multiplier is\nonly reported here for\ncomparables\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nAdditional Row\nThis row displays on the GRM comparison grid when an additional data\nelement 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\nYes (actual monthly rent is not available)\nNo\n\nIs Gross Monthly Rent Estimated?\n•\n•\nNote: If Yes, Gross Monthly Rent displays with a tilde (~) for the GRM\ncomparable, and the reason the actual rent could not be obtained must\nbe reported in Income Approach Commentary.\n\nGross Monthly Rent for all units, also referred to as Total Monthly Actual\nRent\nNotes:\n•\n•\n\nReport the monthly rent for each GRM comparable.\nFor the subject, the Gross Monthly Rent 24.007 might not equal\nthe Total Monthly Market Rent 24.022.\n\nNo\n\nCalculated for each GRM comparable: Sale Price / Gross Monthly Rent\n\nNote: Gross Rent Multiplier for the subject property is reported in\n24.023\n\nAppendix F-1: URAR Reference Guide\n\nPage 307 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n24 Income Approach\n\nReport\nField ID\n\n24.021\n\nReport Label\n\nComparable\nWeight\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\nIncome Approach: Gross Rent Multiplier Comparables\n\nAlways\n\nAlways required\n"}
diff --git a/chunks/json/40ef2a398914e3e3bc2fbdea7dac6f38762e38fe877753f76b1fa32eab1b62c7.json b/chunks/json/40ef2a398914e3e3bc2fbdea7dac6f38762e38fe877753f76b1fa32eab1b62c7.json
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+{"chunk":{"char_end":16311,"char_start":14630,"chunk_id":"chk_f99144ec7f6cc419","chunk_index":9,"chunk_sha256":"40ef2a398914e3e3bc2fbdea7dac6f38762e38fe877753f76b1fa32eab1b62c7","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"40ef2a398914e3e3bc2fbdea7dac6f38762e38fe877753f76b1fa32eab1b62c7","token_estimate":420,"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":"Condition Status\nNew or Like New\n\nCondition Comment\n\nNew or Like New\n\nNew or Like New\n\nFully Updated\n\nLess than 1 year\n\nPedestal sink, tile floor.\n\nNew or Like New\n\nOverall Update Status for\nBathrooms\n\nFully Updated\n\nInterior Features\n\nFeature\nFlooring\n\nDetail\nCarpet\n\nQuality Comment\nCarpet is Nylon short loop.\n\nCondition Status\nNew or Like New\n\nCeramic Tile\n\n18” square stone tile.\n\nNew or Like New\n\nEngineered Wood\n\n6” engineered oak plank.\n\nNew or Like New\n\nCondition Comment\n\nWalls and Ceiling\n\n9 Ft. | 10 or more feet | Beams\n\nBeamed 10’ ceilings\non the first level.\n\nNew or Like New\n\nOverall Update Status for\nFlooring\n\nFully Updated\n\nApparent Defects, Damages, Deficiencies (Unit Interior)\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 8 of 24\nPage 8 of 24\n\nUnit Interior (continued)\n\nUnit Interior Exhibits\n\nLevel B1 - Bath - Full\n\nLevel B1 - Bedroom - Bedroom 1\n\nThis is where the Full Bathroom 1 photo would display.\n\nThis is where the Bedroom 1 photo would display.\n\nLevel B1 - Bedroom - Bedroom 2\n\nLevel B1 - Family Room\n\nThis is where the Bedroom 2 photo would display.\n\nThis is where the Family Room 1 photo would display.\n\nLevel B1 - Sunroom\n\nLevel 1 - Bath - Full\n\nThis is where the Sunroom photo would display.\n\nThis is where the Full Bathroom 2 photo would display.\n\nLevel 1 - Bath - Half\n\nLevel 1 - Bedroom\n\nThis is where the Half Bathroom photo would display.\n\nThis is where the Bedroom 3 photo would display.\n\nAppraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n"}
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+{"chunk":{"char_end":5091,"char_start":3471,"chunk_id":"chk_6e79f0bf98c23805","chunk_index":2,"chunk_sha256":"411633ff0516ff332376b87533aa9259c741c8aefeda4ccd9417c88f26e97be1","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1cbc3effda89da20","text_sha256":"411633ff0516ff332376b87533aa9259c741c8aefeda4ccd9417c88f26e97be1","token_estimate":405,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2018.pdf"]},"text":"Unit1--Affordable Category meets the housing goals implemented by HERA Section 1205\n1=yes;\n2=no\n\nUnit2--Affordable Category meets the housing goals implemented by HERA Section 1205\n1=yes;\n2=no\n\nUnit3--Affordable Category meets the housing goals implemented by HERA Section 1205\n1=yes;\n2=no\n\nPage 2 of 5\n\nColumn\n\n45 Aff4\n\n46 Rent1\n\n47 Rent2\n\n48 Rent3\n\n49 Rent4\n\n50 RentUt1\n\n51 RentUt2\n\n52 RentUt3\n\n53 RentUt4\n\n54 Geog\n\n55 Rate\n56 Amount\n57 Front\n58 Back\n59 BoCreditScor\n\n60 CoBoCreditScor\n\n61 PMI\n\n62 Self\n\n63 PropType\n\n64 ArmIndex\n\n65 ArmMarg\n\n66 PrepayP\n\nAMA_PUDB_definitions_2018.xlsx\n\nDefinition\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\n\nUnit2-- Reported Rent Level in whole dollars\n9999999999=no non-owner-occupied dwelling units\n\nUnit3-- Reported Rent Level in whole dollars\n9999999999=no non-owner-occupied dwelling units\n\nUnit4-- Reported Rent Level in whole dollars\n9999999999=no non-owner-occupied dwelling units\n\nUnit1--Reported Rent Plus Utilities in whole dollars\n9999999999=no non-owner-occupied dwelling units\n\nUnit2--Reported Rent Plus Utilities in whole dollars\n9999999999=no non-owner-occupied dwelling units\n\nUnit3--Reported Rent Plus Utilities in whole dollars\n9999999999=no non-owner-occupied dwelling units\n\nUnit4--Reported Rent Plus Utilities in whole dollars\n9999999999=no non-owner-occupied dwelling units\n\nGeographically Targeted Indicator indicating whether the property is in census tracts\nannually classified as underserved by HUD\n1=yes;\n2=no\n"}
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+{"chunk":{"char_end":4011,"char_start":3202,"chunk_id":"chk_54afeaf15981e35e","chunk_index":2,"chunk_sha256":"41285c68a2c368edcc827f43d9c47b66e2c65201056ec7458143f40fc2585010","date_utc":"2026-01-27T18:02:36+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_2a28b9957ca3ef0b","text_sha256":"41285c68a2c368edcc827f43d9c47b66e2c65201056ec7458143f40fc2585010","token_estimate":202,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/test-credit-report-characteristics.pdf"]},"text":"none\n\nnone\n\nnone\n\nJess T. Sea\n\n999-00-1147 685, 645,691\n\nJoint\n\n5004629\n\n1 x 30\n\nnone\n\nnone\n\nnone\n\nAnn T. Sea\nAnn lacks traditional credit\n\n999-00-9066\n\nNone\n\nRon Tintin\n\n999-72-5641 660, 670, 680\n\nIndividual\n\n500463\n\n999-42-2345 No Credit\n\nIndividual\n\n500465\n\nScore\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\n1\n\n000-01-0001 710, 703\n\nIndividual\n\n5004439\n\n3 X 30\n\n1 X 60\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nNote: The borrower names, which are used for DU testing and training purposes, are fictitious and do not relate to real people. The names, addresses, Social\nSecurity numbers, and ITINs were created at random – any similarity to real individuals is unintentional.\n\n© 2018 Fannie Mae. Trademarks of Fannie Mae.\n\nNovember 8, 2018\n\n2 of 2\n"}
diff --git a/chunks/json/4128ca165818c928b7701efd826132d9dee6e943e0e4456bd5705ce815d54526.json b/chunks/json/4128ca165818c928b7701efd826132d9dee6e943e0e4456bd5705ce815d54526.json
new file mode 100644
index 0000000000000000000000000000000000000000..5e281f58cb813a5791a244ab39ac324ff4a69d0e
--- /dev/null
+++ b/chunks/json/4128ca165818c928b7701efd826132d9dee6e943e0e4456bd5705ce815d54526.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":294420,"char_start":292775,"chunk_id":"chk_3e8db3d6a3fbdad8","chunk_index":168,"chunk_sha256":"4128ca165818c928b7701efd826132d9dee6e943e0e4456bd5705ce815d54526","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"4128ca165818c928b7701efd826132d9dee6e943e0e4456bd5705ce815d54526","token_estimate":411,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"At the time UCD was implemented in 2016, it wasn’t clear whether multiple Note Pay Tos, Mortgage Brokers or Closing\nAgents needed to be accommodated in the dataset. The only way within XML to resolve a many-to-many relationship\nbetween more than one organization type and more than one contact is to use xlink. Based on experience with submitted\nXML files, the GSEs determined that data for just one Note Pay To and one Closing Agent is needed. One Mortgage Broker is\nneeded if it participated in the transaction. This decision eliminated the need to design the dataset to handle many-to-many\nrelationships. Therefore, in UCD v2.0, there must be two and only two instances of PARTY with the same PartyRoleType value:\none with the child container INDIVIDUAL and one with the child container LEGAL_ENTITY. This is illustrated in Figure 111.\n\nUCD v2.0 Implementation Guide\n\n- 134 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nY. REQUIRED PARTY DATA\n\nThe Closing Agent company name is rendered on the first page of the CD under 1.0 “Closing Information”. The Borrower(s)\nname and address and the Note Pay To company name are populated in 2.0 “Transaction Information”.\n\nCD Field IDs 1.4 and 2.3 illustrate the data mapping principle that the name of a data point or enumeration does not need\nto exactly match a form field label. It must just be equivalent. The PartyRoleType enumeration “ClosingAgent” is equivalent\nto Settlement Agent and the data in the Closing Agent PARTY should be mapped to Settlement Agent fields on the CD. The\nsame is true for “NotePayTo” for Lender and “RealEstateAgent” for Real Estate Broker.\n"}
diff --git a/chunks/json/4152baaf87b8c674c686cca017aead3357c7ede186fc1bdc32da348cb437f7ba.json b/chunks/json/4152baaf87b8c674c686cca017aead3357c7ede186fc1bdc32da348cb437f7ba.json
new file mode 100644
index 0000000000000000000000000000000000000000..6fb880b5a6afff640d36a02f87dbb66f2a4c09f3
--- /dev/null
+++ b/chunks/json/4152baaf87b8c674c686cca017aead3357c7ede186fc1bdc32da348cb437f7ba.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":107830,"char_start":106176,"chunk_id":"chk_e04649a63f96f2ba","chunk_index":141,"chunk_sha256":"4152baaf87b8c674c686cca017aead3357c7ede186fc1bdc32da348cb437f7ba","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"4152baaf87b8c674c686cca017aead3357c7ede186fc1bdc32da348cb437f7ba","token_estimate":413,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"•\n\nImage data associated with a room in the living unit must be included in the IMAGE container located in the instance of the\nROOM (based on the RoomType) container. For example, image data associated with the kitchen is included in the instance of\nthe ROOM container where RoomType = “Kitchen”.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 51\n\n•\n\nImage data associated with each interior feature (flooring, walls, and ceiling, etc.) of a living unit must be included in the IMAGE\ncontainer located in the instance of the INTERIOR_COMPONENT container that represents the referenced interior feature.\n\n•\n\nImage data associated with each defect, damage, or deficiency must be included in the IMAGE container located in the instance\nof the DEFECT container that represents the defect.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 52\n\nImage Category Type\n\nWhen images use ImageCategoryType, the appropriate enumeration must be provided. The valid value either is a descriptor of the image or\nreference the report subsection as specified in the associated section of this document.\n\n•\n\nImageCategoryType is a descriptor of the image. For example,\n\no When an image of the legal description is included in the appraisal, ImageCategoryType = “LegalDescription”.\no When an image of a site influence is included in the appraisal, ImageCategoryType = “SiteInfluence”.\n\n•\n\nImageCategoryType references a report subsection. For example,\n\no An image provided as an exhibit in the Site section uses ImageCategoryType = “SiteExhibit”.\no An image provided as an exhibit in the Dwelling Exterior section uses ImageCategoryType = “DwellingExteriorExhibit”.\n"}
diff --git a/chunks/json/41562f458965a00cc8f656463be000aca54ddd0da83805af59e09f0943d9b774.json b/chunks/json/41562f458965a00cc8f656463be000aca54ddd0da83805af59e09f0943d9b774.json
new file mode 100644
index 0000000000000000000000000000000000000000..eafba8058107cce580bd431ea0375e55aeeee40d
--- /dev/null
+++ b/chunks/json/41562f458965a00cc8f656463be000aca54ddd0da83805af59e09f0943d9b774.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3277,"char_start":1626,"chunk_id":"chk_571f71b67d3d9f60","chunk_index":1,"chunk_sha256":"41562f458965a00cc8f656463be000aca54ddd0da83805af59e09f0943d9b774","date_utc":"2026-01-27T18:02:38+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_54a7d35b3afe889c","text_sha256":"41562f458965a00cc8f656463be000aca54ddd0da83805af59e09f0943d9b774","token_estimate":413,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-august-release-notes-august-17-2024.pdf"]},"text":"Currently, DU does not consider net equity reported on the loan application when validating assets. With this update DU will\nvalidate assets when the sum of the eligible accounts in the asset verification report plus the net equity funds is greater than or\nequal to the Total Funds to be Verified amount. DU will issue a new message providing the amount of assets validated using the\nasset verification report, and the amount of funds from the pending property sale that have not been validated.\n\nLenders must continue to follow the Selling Guide requirements related to documentation of net equity, any large deposits\nidentified by DU, and any gift funds.\n\nEvaluating assets when reported assets are not sufficient to cover closing costs\n\nCurrently, DU will not attempt to validate assets when assets provided on the loan application are not sufficient to cover the\nFunds Required to Close amount. With this update, when assets listed on the loan application are less than the Funds Required to\nClose amount, but the assets observed in the asset verification report are greater than or equal to the Total Funds to be Verified\namount, a new message will be issued indicating that assets could be validated if assets listed on the loan application are\nupdated to be greater than or equal to the Funds Required to Close amount.\n\n© 2024 Fannie Mae.\n\n6.18.24\n\n1 of 2\n\nMessaging about assets observed in the asset verification report\n\nWhen DU evaluates an asset verification report, a new message will be issued listing all eligible accounts that appear on the asset\nverification report, including the current balance and owner(s) listed for each account.\n"}
diff --git a/chunks/json/4157a241eca598245bdb0a4f95e9aa38ccde5d88ad3dcfe3ca33808fa38fb2ed.json b/chunks/json/4157a241eca598245bdb0a4f95e9aa38ccde5d88ad3dcfe3ca33808fa38fb2ed.json
new file mode 100644
index 0000000000000000000000000000000000000000..8ac734fed294e422abde4082627eb7bfbf8f7b2d
--- /dev/null
+++ b/chunks/json/4157a241eca598245bdb0a4f95e9aa38ccde5d88ad3dcfe3ca33808fa38fb2ed.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":38117,"char_start":37490,"chunk_id":"chk_bf4e4296dd69460f","chunk_index":61,"chunk_sha256":"4157a241eca598245bdb0a4f95e9aa38ccde5d88ad3dcfe3ca33808fa38fb2ed","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"4157a241eca598245bdb0a4f95e9aa38ccde5d88ad3dcfe3ca33808fa38fb2ed","token_estimate":520,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Appraisal Update Commentary (H1) .................................................................................................................. 81\n\nAppraisal Update Exhibits (H1) ........................................................................................................................... 81\n\nAssignment Information ................................................................................................................................ 81\n\nContact Information (H1) .................................................................................................................................... 82\n"}
diff --git a/chunks/json/41613695932ce30aa0c593e700280473ce76dfd3af4cbe108c7eb1e4149e28b1.json b/chunks/json/41613695932ce30aa0c593e700280473ce76dfd3af4cbe108c7eb1e4149e28b1.json
new file mode 100644
index 0000000000000000000000000000000000000000..a5483abf05e785eaae1a258a902de0127582c8a1
--- /dev/null
+++ b/chunks/json/41613695932ce30aa0c593e700280473ce76dfd3af4cbe108c7eb1e4149e28b1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1108596,"char_start":1106289,"chunk_id":"chk_c7dfc3edec822153","chunk_index":658,"chunk_sha256":"41613695932ce30aa0c593e700280473ce76dfd3af4cbe108c7eb1e4149e28b1","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"41613695932ce30aa0c593e700280473ce76dfd3af4cbe108c7eb1e4149e28b1","token_estimate":577,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"197\n\n1\n\n190\n\nIMPROVEMENTS\n\nCar Storage\nAttached\n\nCar Storage\nAttachment Type\n\nSpecifies if the Car Storage Location\nspecified by Car Storage Location Type is\nattached or detached.\n\nVALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE[\n@_AttachmentType='Attached']\n\n8\n\nEnumerated\n\n198\n\n1\n\n191\n\nIMPROVEMENTS\n\nCar Storage\nDetached\n\nCar Storage\nAttachment Type\n\nSpecifies if the Car Storage Location\nspecified by Car Storage Location Type is\nattached or detached.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE\n[@_AttachmentType='Detached']\n\n8\n\nEnumerated\n\n199\n\n1\n\n192\n\nIMPROVEMENTS\n\nCar Storage\nAttachment Type\n\nSpecifies if the Car Storage Location\nspecified by Car Storage Location Type is\nattached or detached.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE\n[@_AttachmentType='BuiltIn']\n\nCar Storage\nBuilt-in\n\nAppliances\nRefrigerator\n\nAppliances\nRange/Oven\n\nAppliances\nDishwasher\n\nAppliances\nDisposal\n\nAppliances\nMicrowave\n\nAppliances\nWasher/Dryer\n\nAppliances\nOther\n\nAppliances\nOther (describe)\n\n193\n\nIMPROVEMENTS\n\n194\n\nIMPROVEMENTS\n\n195\n\nIMPROVEMENTS\n\n196\n\nIMPROVEMENTS\n\n197\n\nIMPROVEMENTS\n\n198\n\nIMPROVEMENTS\n\n199\n\nIMPROVEMENTS\n\n200\n\nIMPROVEMENTS\n\n200\n\n201\n\n202\n\n203\n\n204\n\n205\n\n206\n\n207\n\n208\n\n209\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\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\nKitchen Equipment\nExists Indicator\n\nKitchen Equipment\nType Other\nDescription\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.\nIndicates if the kitchen equipment\nspecified in Kitchen Equipment Type is\npresent in the unit.\nA free-form text field used to describe the\nkitchen equipment if Other is selected as\nthe Kitchen Equipment Type.\n"}
diff --git a/chunks/json/41722c1f99532f013cc250862797ca71041e2d8fedf7994441cc0ca0019d38d6.json b/chunks/json/41722c1f99532f013cc250862797ca71041e2d8fedf7994441cc0ca0019d38d6.json
new file mode 100644
index 0000000000000000000000000000000000000000..c6113b61caeaed2591edc2d5542b74a0746f79c2
--- /dev/null
+++ b/chunks/json/41722c1f99532f013cc250862797ca71041e2d8fedf7994441cc0ca0019d38d6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":23066,"char_start":21395,"chunk_id":"chk_bc05985bd4e7908b","chunk_index":13,"chunk_sha256":"41722c1f99532f013cc250862797ca71041e2d8fedf7994441cc0ca0019d38d6","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"41722c1f99532f013cc250862797ca71041e2d8fedf7994441cc0ca0019d38d6","token_estimate":417,"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":"Housing Trends\n\nDemand/Supply\n\nMarket Commentary\n\nIn Balance\n\nMarketing Time\n\nUnder 3 months\n\nThis rural market has lake front dwellings that vary in type of construction. There are distressed properties currently listed. These properties\nrepresent the low limit of the area price range.\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 17 of 30\nPage 17 of 30\n\nMarket (continued)\n\nMarket Exhibits\n\nPrice Trend - Home Value\n\nPrice Trend - 5 Year Trend\n\nThis is where the Price Trend Home Value graph would display.\n\nThis is where the Price Trend 5 Year Trend graph 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)\nPrior Sales or Transfers\n\nData Source\n\nNone\nMLS\n\nAnalysis of Prior Sale and Transfer History of Subject Property The subject property has been owned by the borrower for over 10 years\nand was recently upgraded with the installation of a new manufactured home.\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 18 of 30\n\nPrior Sale and Transfer History (continued)\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"}
diff --git a/chunks/json/417a76c0999ba5c83cc264e09438ebcd47a171d4c61cbd4d6f634d10417563ae.json b/chunks/json/417a76c0999ba5c83cc264e09438ebcd47a171d4c61cbd4d6f634d10417563ae.json
new file mode 100644
index 0000000000000000000000000000000000000000..2b3ae5b138f4e45e3947e65d76790cea4e8f21cb
--- /dev/null
+++ b/chunks/json/417a76c0999ba5c83cc264e09438ebcd47a171d4c61cbd4d6f634d10417563ae.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":170549,"char_start":168913,"chunk_id":"chk_b41e1bfcff577666","chunk_index":99,"chunk_sha256":"417a76c0999ba5c83cc264e09438ebcd47a171d4c61cbd4d6f634d10417563ae","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"417a76c0999ba5c83cc264e09438ebcd47a171d4c61cbd4d6f634d10417563ae","token_estimate":409,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Notes:\n•\n\n•\n\nIf there are multiple permanent waterfront features and bodies of water,\nprovide further details in Water Frontage Commentary (4.038).\nPhotos or images for the indicated permanent waterfront feature may be\nprovided, which display in Site Exhibits with the caption “Permanent\nWaterfront Feature”. An additional caption must be provided, including\nthe waterfront feature type(s) and any other descriptive information as\nappropriate.\n\n4.033 Right to Build\n\nRequired if Permanent\nWaterfront Feature is\nNone\n\nYes | No\n\nRight to Build Waterfront Features\nWhen there are no waterfront features on the property (Permanent Waterfront\nFeature is None), indicate whether the property has the right to improve the\nshoreline or build waterfront features.\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nPermanent Waterfront Feature (Choose all that apply)\n\nNone\n\nBeach\n\nBoat Lift\n\nBoat Ramp\n\nBoat Slip\n\nDock\n\nPier\n\nRiprap\n\nSeawall or Bulkhead\n\nOther (Describe)\n\nThere are no waterfront features on the property.\n\nA strip of land separating a body of water from inland areas, typically used for recreation or leisure purposes.\n\nA machine for raising and lowering watercraft to and from the water.\n\nA form of access point, leading to a body of water, for boats or other watercraft.\n\nA docking point for boats or other watercraft.\n\nA platform leading out from shore into a body of water that is not attached to pillars or girders. Can be permanently\ninstalled, or temporary to allow for removal due to seasonality.\nNote: Docks that are temporary or not permanently installed are considered personal property and are not reported here.\n"}
diff --git a/chunks/json/417ae250c99091fba1a10ca1710df15bcb097ea9ab9cc4b20881fe3ddc13ffa4.json b/chunks/json/417ae250c99091fba1a10ca1710df15bcb097ea9ab9cc4b20881fe3ddc13ffa4.json
new file mode 100644
index 0000000000000000000000000000000000000000..a9d601ac9b25fffc2e44cfffd30e28ae62d5fe71
--- /dev/null
+++ b/chunks/json/417ae250c99091fba1a10ca1710df15bcb097ea9ab9cc4b20881fe3ddc13ffa4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":24757,"char_start":24115,"chunk_id":"chk_c137c5c700137000","chunk_index":38,"chunk_sha256":"417ae250c99091fba1a10ca1710df15bcb097ea9ab9cc4b20881fe3ddc13ffa4","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"417ae250c99091fba1a10ca1710df15bcb097ea9ab9cc4b20881fe3ddc13ffa4","token_estimate":428,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Subject Property Amenities ........................................................................................................................... 52\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities) (H1) ................................................... 52\n\nSubject Property Amenities Commentary (H1) .................................................................................................. 53\n\nAppendix E: Report Style Guide\n\nPage 7 of 90\n\nVersion 1.4\n\nSubject Property Amenities Exhibits (H1) ........................................................................................................... 53\n"}
diff --git a/chunks/json/418637d46d6e4402b1044de94d156fbdddbf237a6f40a3a1ba71cfd871cf6d49.json b/chunks/json/418637d46d6e4402b1044de94d156fbdddbf237a6f40a3a1ba71cfd871cf6d49.json
new file mode 100644
index 0000000000000000000000000000000000000000..045454a5ce44f03a26aaa92c0bd6260635ef9ca9
--- /dev/null
+++ b/chunks/json/418637d46d6e4402b1044de94d156fbdddbf237a6f40a3a1ba71cfd871cf6d49.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8704,"char_start":7086,"chunk_id":"chk_978eced921b4b45c","chunk_index":4,"chunk_sha256":"418637d46d6e4402b1044de94d156fbdddbf237a6f40a3a1ba71cfd871cf6d49","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_24dcc01c1b7ecdb9","text_sha256":"418637d46d6e4402b1044de94d156fbdddbf237a6f40a3a1ba71cfd871cf6d49","token_estimate":413,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/_Examiner_Resources___FHFA_i7w1o.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# ​Examiner Resources\n\n**A Uniform Rating System - CAMELSO**\n\nFHFA's examiners use a uniform rating system for Fannie Mae and Freddie Mac and the Federal Home Loan Banks.\n\nThe examiners employ a risk-focused rating system under which each regulated entity and the Office of Finance is assigned a common composite rating based on an evaluation of various aspects of its operations. [CAMELSO](/supervision/examiner-resources/camelso)\n"}
diff --git a/chunks/json/418e196ee4ffc5f1d5bc82c2ec0a331a90aba9f24d412b84c694725a0abfdd54.json b/chunks/json/418e196ee4ffc5f1d5bc82c2ec0a331a90aba9f24d412b84c694725a0abfdd54.json
new file mode 100644
index 0000000000000000000000000000000000000000..1b198ffecf08680a82a031e4e0a479492abdb73e
--- /dev/null
+++ b/chunks/json/418e196ee4ffc5f1d5bc82c2ec0a331a90aba9f24d412b84c694725a0abfdd54.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":444247,"char_start":442644,"chunk_id":"chk_90612e8994fd1c19","chunk_index":260,"chunk_sha256":"418e196ee4ffc5f1d5bc82c2ec0a331a90aba9f24d412b84c694725a0abfdd54","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"418e196ee4ffc5f1d5bc82c2ec0a331a90aba9f24d412b84c694725a0abfdd54","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"One and only one of fields 1-128, 1-\n129 (values of Property Analysis Exists\nIndicator and Property Analysis Type =\n'AdverseSiteConditions') should be\nindicated.\n\nOne and only one of fields 1-128, 1-\n129 (values of Property Analysis Exists\nIndicator and Property Analysis Type =\n'AdverseSiteConditions') should be\nindicated.\n\nIf field 1-128 (Property Analysis Exists\nIndicator = 'Y' and Property Analysis\nType = 'AdverseSiteConditions') is\nindicated then this field should be\npopulated.\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 90 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\nPROJECT\nINFORMATION\n\nData source(s) for project\ninformation\n\nData Source\nDescription\n\nA free-form text field used to describe the\nsource of information.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@DataSourceDescription\n\n125\n\nString\n\n137\n\n138\n\n139\n\n140\n\n141\n\n142\n\n143\n\n144\n\n145\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n131\n\n132\n\n133\n\n134\n\n135\n\n136\n\n137\n\n138\n\n139\n\nPROJECT\nINFORMATION\n\nProject Description\nDetached\n\nProject Design\nType\n\nThis field specifies the type of design for\nthe multiple unit buildings in a project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DesignType='Detached'\n]\n"}
diff --git a/chunks/json/4198be576b0efde0d93c307f2359b5b27d80c0aac994f9fd5817703a954e19c0.json b/chunks/json/4198be576b0efde0d93c307f2359b5b27d80c0aac994f9fd5817703a954e19c0.json
new file mode 100644
index 0000000000000000000000000000000000000000..c9573ab49390b59786ed7a4a7f365292d5ce531b
--- /dev/null
+++ b/chunks/json/4198be576b0efde0d93c307f2359b5b27d80c0aac994f9fd5817703a954e19c0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":572660,"char_start":571052,"chunk_id":"chk_1ad6ec3ffac466ba","chunk_index":340,"chunk_sha256":"4198be576b0efde0d93c307f2359b5b27d80c0aac994f9fd5817703a954e19c0","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"4198be576b0efde0d93c307f2359b5b27d80c0aac994f9fd5817703a954e19c0","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"No\n\nIndicates whether the homeowner is responsible for all exterior\nmaintenance of the dwelling(s) on the property.\n\nNo\n\nNumber of dwellings on the property. A dwelling is a structure designed\nto be used as a residence that contains one or more living units.\n\nExamples:\n•\n\nEnter 1 for a 2-unit property where both units are in the same\nbuilding.\nEnter 1 for a 3-unit property where all units are in the same\nbuilding.\nEnter 2 for a 2-unit property where each unit is in a separate\nbuilding.\n\n•\n\n•\n\nReport\nField ID\n\nNot on\nReport\n\nNot on\nReport\n\n22.08.01\n22.08.16\n\nWhen Units Excluding\nADUs is more than 1\n\nFree-form\n\nDwelling Exterior, if\napplicable for each\ndwelling\n•\n\nStructure Identifier\n8.000\n\nNo\n\nExamples: Building 1, Building 2\n\nQ1 to Q6\n\nRequired when\nHomeowner\nResponsible for\nExterior Maintenance\nof all Dwellings is Yes\n\nDwelling Exterior\n•\n\nExterior Quality\nRating 8.022\n\nNo\n\nThe Exterior Quality Rating for the dwelling provides support for the\nOverall Quality Rating. Adjustments are made in the Overall Quality\nRating row.\nReference Appendix 2: Condition and Quality Rating Definitions for\ndefinitions.\n\n22.08.02\n22.08.17\n\nQuality\n\nStructure ID When Units\n\nExcluding\nADUs is more\nthan 1 for the\nsubject or any\ncomparable\n\nWhen\nHomeowner\nResponsible\nfor Exterior\nMaintenance\nof all\nDwellings is\nYes for the\nsubject\n\nAppendix F-1: URAR Reference Guide\n\nPage 251 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"}
diff --git a/chunks/json/41ab572dd2c152ae95b7de63a9f2dcc83b11162773f01bb921b53f2efaa63530.json b/chunks/json/41ab572dd2c152ae95b7de63a9f2dcc83b11162773f01bb921b53f2efaa63530.json
new file mode 100644
index 0000000000000000000000000000000000000000..a036ce6bb64f7a8501b730eb97578eaba1fb0481
--- /dev/null
+++ b/chunks/json/41ab572dd2c152ae95b7de63a9f2dcc83b11162773f01bb921b53f2efaa63530.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1740,"char_start":0,"chunk_id":"chk_cdb6a71496d95559","chunk_index":0,"chunk_sha256":"41ab572dd2c152ae95b7de63a9f2dcc83b11162773f01bb921b53f2efaa63530","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f79354cddab6ed07","text_sha256":"41ab572dd2c152ae95b7de63a9f2dcc83b11162773f01bb921b53f2efaa63530","token_estimate":533,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Duty_to_Serve_Eligibility_Data___FHFA_49jfir.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/duty-to-serve/eligibility-data\"\ndate_accessed: \"2026-01-27T17:48:01.352Z\"\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/41acd86e8fab1497b97da9650546b458741263062af0dab9b0a650d045fa3cc1.json b/chunks/json/41acd86e8fab1497b97da9650546b458741263062af0dab9b0a650d045fa3cc1.json
new file mode 100644
index 0000000000000000000000000000000000000000..ca140368c26d115cc9723daaf72357533950581d
--- /dev/null
+++ b/chunks/json/41acd86e8fab1497b97da9650546b458741263062af0dab9b0a650d045fa3cc1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":59383,"char_start":57163,"chunk_id":"chk_0db03646d4c83804","chunk_index":31,"chunk_sha256":"41acd86e8fab1497b97da9650546b458741263062af0dab9b0a650d045fa3cc1","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"41acd86e8fab1497b97da9650546b458741263062af0dab9b0a650d045fa3cc1","token_estimate":555,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"2. Conforming to New Statutory\nRequirements\n\nFHFA has made technical revisions to\ncertain data fields and references in the\nPUDB matrices to conform to the new\nHERA requirements, as further\ndiscussed below.\n\na. Single-Family Data Field 15:\nBorrower’s (or Borrowers’) Annual\nIncome\n\nThis data field identifies the source of\n\nThis data field identifies the\n\nthe Federal guarantee or insurance of\nthe loan acquired by the Enterprise. The\nsingle-family loan matrix previously\nincluded a code 4 for the purchase of a\nmortgage that assists in maintaining the\naffordability of assisted units in eligible\nmultifamily housing projects with\nexpiring contracts. The code is not\n\nborrower’s or borrowers’ annual income,\nwhich is the numerator of the borrower\nincome ratio reported in data field 17.\nTo be consistent with HMDA reporting\nrequirements, FHFA is now rounding\nthe values reported for this data field to\nthe nearest $1,000 (where values of $500\nor more are rounded up) of the\n\nVerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00049 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\n41188\n\nFederal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices\n\nborrower’s annual income, in addition\nto the current practice of recoding in\nterms of dollars for year of acquisition.\n\nV. Proposed Data Elements Not\nCurrently Collected That Will Not Be\nIncluded in the PUDB\n\nb. Single-Family Data Field 18 and\nMultifamily Data Field 17: Acquisition\nUPB\n\nConsistent with section 1323(b)(2) of\n\nthe Safety and Soundness Act, as\namended,7 FHFA is not applying the\nsame methods that previously were\nused to mask loan acquisition UPB data,\ni.e., FHFA has removed the topcoding\nand the use of categories in reporting\nacquisition UPB that previously were\napplied to this data field as described in\nthe single-family matrix. The loan\nacquisition UPB is rounded to the\nnearest $1,000 (where values of $500 or\nmore are rounded up), consistent with\nHMDA reporting requirements.\nSimilarly, the multifamily loan\nacquisition UPB data is rounded to the\nnearest $1,000 (where values of $500 or\nmore are rounded up) to conform to\nHMDA reporting practice.\n"}
diff --git a/chunks/json/41af47e9c75347e2d080f78758f6c872975a3c45458ed71dbe9ae3d3ccfa168a.json b/chunks/json/41af47e9c75347e2d080f78758f6c872975a3c45458ed71dbe9ae3d3ccfa168a.json
new file mode 100644
index 0000000000000000000000000000000000000000..c6187039c22ba42b3b2e43cb314399f2ee40f2b5
--- /dev/null
+++ b/chunks/json/41af47e9c75347e2d080f78758f6c872975a3c45458ed71dbe9ae3d3ccfa168a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":514861,"char_start":513259,"chunk_id":"chk_c0783899e59de6fd","chunk_index":303,"chunk_sha256":"41af47e9c75347e2d080f78758f6c872975a3c45458ed71dbe9ae3d3ccfa168a","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"41af47e9c75347e2d080f78758f6c872975a3c45458ed71dbe9ae3d3ccfa168a","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field should be populated if the\nvalue indicated in field 2-63 is not\nequal to 'None'.\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\n1\n\n1\n\n10\n\n20\n\n20\n\n20\n\n20\n\n26\n\n1\n\n2\n\n1\n\n2\n\n1\n\n16\n\n1\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 100 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\n265\n\n266\n\n267\n\n268\n\n269\n\n270\n\n271\n\n272\n\n273\n\n274\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n63\n\n64\n\n65\n\n66\n\n67\n\n68\n\n69\n\n70\n\n71\n\n72\n\nUNIT\nDESCRIPTION\n\nAmenities\nPorch/Balcony Description\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[@_Type='P\norch']/@_DetailedDescription\n\nUNIT\nDESCRIPTION\n\nAmenities\nOther\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='\nOther']/@_ExistsIndicator\n\nUNIT\nDESCRIPTION\n\nAmenities\nOther Description\n\nAmenity Type\nOther Description\n\nA free-form text field used to describe the\namenity if Other is selected as the\nAmenity Type.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='\nOther']/@_TypeOtherDescription\n\nUNIT\nDESCRIPTION\n"}
diff --git a/chunks/json/41c8c3332bfbb873167ead53dcf1eceb19bca6f12fba27f86e23b9c08eaf90a9.json b/chunks/json/41c8c3332bfbb873167ead53dcf1eceb19bca6f12fba27f86e23b9c08eaf90a9.json
new file mode 100644
index 0000000000000000000000000000000000000000..5836ec55f8eb2c639e07212f98f27424ff4f601e
--- /dev/null
+++ b/chunks/json/41c8c3332bfbb873167ead53dcf1eceb19bca6f12fba27f86e23b9c08eaf90a9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":31834,"char_start":29031,"chunk_id":"chk_b24f7e171a8c813e","chunk_index":20,"chunk_sha256":"41c8c3332bfbb873167ead53dcf1eceb19bca6f12fba27f86e23b9c08eaf90a9","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6a5de7e7b0279ba0","text_sha256":"41c8c3332bfbb873167ead53dcf1eceb19bca6f12fba27f86e23b9c08eaf90a9","token_estimate":701,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-documentation.pdf"]},"text":"7c. Information About Comparable Properties\n\nA UAD appraisal record includes information about the subject property and information about one or\nmore comparable properties (referred to as “comps”). The UAD Appraisal-Level PUF does not have a\n\nFederal Housing Finance Agency\n\n9\n\nUAD PUF Version 2.1 Data Documentation\n\nseparate table for comps. Rather, it includes seven data fields that represent aggregate statistics about the\ncomps. These data fields include:\n\nField\nsame_tract_percent\nadjusted_price\n\nDescription\nPercent of comps located within same census tract as subject property\nAverage adjusted sale price of all settled comps\n\ncalculated_proximity\n\nreported_proximity\nmedian_adjustment\naverage_adjustment\nnumber_comparables\n\nAverage proximity of comps to subject property (calculated distance) (in\nmiles)\nAverage proximity of comps to subject property (reported distance) (in\nmiles)\nMedian net (total) adjustments of all comps\nAverage net (total) adjustments of all comps\nNumber of comps used in appraisal\n\n8. Information Quality\n\nThe table below describes aspects of information quality based on FHFA’s criteria.\n\nInformation Quality Criteria\n1. Describe the underlying source of any data\nused to create the product, including whether\nFHFA or a different agency collected the data.\n2. Describe the statistical methods or models\nused to create the product.\n\n3. Describe the intended uses of the product,\nand, if applicable, uses not recommended.\n\n4. Describe the time period presented in the\nevent or phenomenon reflected in the product.\n\nResponse\nDescribed in Sections 2 and 3.\n\nThe UAD Appraisal-Level PUF represents appraisal\nrecords. There was no modeling applied to the data\nfields. As described in Section 7, some data fields\nrepresent aggregate statistics for a subject property’s\ncomps records. The UAD Appraisal-Level PUF Data\nDictionary describes how FHFA performed the\nstatistical aggregation.\nFHFA intends for the UAD Appraisal-Level PUF to\nbe used to understand patterns and geographic\nvariation in appraisals. FHFA does not recommend it\nbe used as a basis for appraising an individual\nproperty or to infer characteristics of an appraiser or\nthe quality of an appraisal. FHFA does not\nrecommend using it to draw conclusions about the\nprevalence of certain property characteristics among\nall properties in an area (such as accessory dwelling\nunits) because the appraisal records reflect appraisals\nperformed over a specific period and do not reflect\ndata for all properties in an area.\nThe Enterprise UAD Appraisal-Level PUF includes a\nsample of appraisal records for appraisals conducted\nbetween January 1, 2013, and December 31, 2022\nassociated with mortgage loans acquired by the\nEnterprises. The FHA UAD Appraisal-Level PUF\nincludes a sample of appraisal records for appraisals\n"}
diff --git a/chunks/json/41d2940711ef2f7c01d36e07784ba474970a35ff2f0cfbe834ac6974339e5383.json b/chunks/json/41d2940711ef2f7c01d36e07784ba474970a35ff2f0cfbe834ac6974339e5383.json
new file mode 100644
index 0000000000000000000000000000000000000000..35ec851a3527a51fc46801f8ccf0d31145b56125
--- /dev/null
+++ b/chunks/json/41d2940711ef2f7c01d36e07784ba474970a35ff2f0cfbe834ac6974339e5383.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":17498,"char_start":15452,"chunk_id":"chk_348c034bbca3eb08","chunk_index":9,"chunk_sha256":"41d2940711ef2f7c01d36e07784ba474970a35ff2f0cfbe834ac6974339e5383","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5caeed6ac2d5622f","text_sha256":"41d2940711ef2f7c01d36e07784ba474970a35ff2f0cfbe834ac6974339e5383","token_estimate":512,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 2055.pdf"]},"text":"INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the\nsubject of this appraisal for a mortgage finance transaction.\n\nINTENDED USER: The intended user of this appraisal report is the lender/client.\n\nDEFINITION MARKET VALUE: The most probable price which a property should bring in a competitive and open\nmarket under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming\nthe price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and\nthe passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both\nparties are well informed or well advised, and each acting in what he or she considers his or her own best interest; (3) a\nreasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms\nof financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold\nunaffected by special or 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\nnecessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are\nreadily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing\nadjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional\nlender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical\ndollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market’s\nreaction to the financing or concessions based on the appraiser’s judgment.\n"}
diff --git a/chunks/json/41d6fec1886a7e6843f3e737781a4f3df8c8ff59d94a3803c12909370603abe0.json b/chunks/json/41d6fec1886a7e6843f3e737781a4f3df8c8ff59d94a3803c12909370603abe0.json
new file mode 100644
index 0000000000000000000000000000000000000000..79bbd223e9894ede8c46e3b13f64ff6ce10c5e77
--- /dev/null
+++ b/chunks/json/41d6fec1886a7e6843f3e737781a4f3df8c8ff59d94a3803c12909370603abe0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":64964,"char_start":63098,"chunk_id":"chk_7775d85d972f80e3","chunk_index":34,"chunk_sha256":"41d6fec1886a7e6843f3e737781a4f3df8c8ff59d94a3803c12909370603abe0","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"41d6fec1886a7e6843f3e737781a4f3df8c8ff59d94a3803c12909370603abe0","token_estimate":467,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"Reason for Denial: Reason for Denial\nis a modified HMDA data element that\nreports the reason a loan application\nwas denied.109 Since the PUDB only\ncontains loans that were purchased by\nthe Enterprises, this data element is\ninapplicable and, thus, not available for\ninclusion in the Single-Family PUDB.110\n\n5. HMDA Single-Family Data Elements\nExcluded From the PUDB to Protect\nBorrower Privacy\n\nFHFA identified several new HMDA\nsingle-family data elements that will be\nwholly excluded from the Single-Family\nPUDB to protect borrower privacy, in\nconformance with the CFPB Privacy\nGuidance. In general, these data\n\n105 80 FR at 66208; 12 CFR 1003.4(a)(17).\n106 Id.\n107 12 CFR 1026.32(b)(1).\n108 12 CFR 1003.4(a)(27).\n109 12 CFR 1003.4(a)(16).\n110 This data element was excluded from the\nSingle-Family PUDB by the FHFA 2010 Order, 75\nFR at 41186.\n\nVerDate Sep<11>2014 18:35 Jun 02, 2020 Jkt 250001 PO 00000 Frm 00044 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\n34204\n\nFederal Register / Vol. 85, No. 107 / Wednesday, June 3, 2020 / Notices\n\nelements are unique and could facilitate\nre-identification of the borrower. These\ndata elements are not currently\ndisclosed in the Single-Family PUDB\nand will continue to be withheld.\nAccordingly, they are not required to be\nreported by the Enterprises to FHFA for\nPUDB purposes.\n\nUniversal Loan Identifier (ULI): ULI is\n\na new HMDA data element that\nprovides a unique identifier for each\nHMDA loan record. As discussed above\nin Section II.B.3., the ULI includes the\nLEI.111 The Enterprises collect ULI from\nsome loan sellers. Because the ULI is\nuniquely identifying, the CFPB Privacy\nGuidance intends to exclude it from the\nRegulation C dataset.112 In conformance\nwith the CFPB Privacy Guidance, the\nULI will be excluded from the Single-\nFamily PUDB.113\n"}
diff --git a/chunks/json/41de9fa141703c173dfe82c14e5928b8134ba9fc291fe289a56d44ed52fca85b.json b/chunks/json/41de9fa141703c173dfe82c14e5928b8134ba9fc291fe289a56d44ed52fca85b.json
new file mode 100644
index 0000000000000000000000000000000000000000..be9ec9cfd302be81c888226f23fdfd3e23379780
--- /dev/null
+++ b/chunks/json/41de9fa141703c173dfe82c14e5928b8134ba9fc291fe289a56d44ed52fca85b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1753,"char_start":0,"chunk_id":"chk_1539971d2075bc12","chunk_index":0,"chunk_sha256":"41de9fa141703c173dfe82c14e5928b8134ba9fc291fe289a56d44ed52fca85b","date_utc":"2026-01-27T17:54:33+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d83059c4cf38cc2e","text_sha256":"41de9fa141703c173dfe82c14e5928b8134ba9fc291fe289a56d44ed52fca85b","token_estimate":533,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Foreclosure_Prevention__Refinance__and_FPM_Report__akwes7.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/foreclosure-prevention-refinance-and-fpm\"\ndate_accessed: \"2026-01-27T17:54:20.717Z\"\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/41ee8e48615970e9cb01e5d0d9289a906cb17d1b38c4d7a2d903f11d1bc5bada.json b/chunks/json/41ee8e48615970e9cb01e5d0d9289a906cb17d1b38c4d7a2d903f11d1bc5bada.json
new file mode 100644
index 0000000000000000000000000000000000000000..f55ef1904792b9ddeca88e5bd793d606b2c214af
--- /dev/null
+++ b/chunks/json/41ee8e48615970e9cb01e5d0d9289a906cb17d1b38c4d7a2d903f11d1bc5bada.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":37675,"char_start":36062,"chunk_id":"chk_d55cf1d413ec4aa8","chunk_index":20,"chunk_sha256":"41ee8e48615970e9cb01e5d0d9289a906cb17d1b38c4d7a2d903f11d1bc5bada","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"41ee8e48615970e9cb01e5d0d9289a906cb17d1b38c4d7a2d903f11d1bc5bada","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-implementation-guide.pdf"]},"text":"5.4. XLink\n\nThe XLink feature is not currently being used in connection with Fannie Mae’s implementation of\nthe ULDD and requirements for submitting a loan delivery XML file to Fannie Mae’s Loan\nDelivery application.\n\n5.5. Uniform Resource Identifier (URI)\n\nThe URI feature is not currently being used in connection with Fannie Mae’s implementation of the\nULDD and requirements for submitting a loan delivery XML file through Fannie Mae’s Loan Delivery\napplication.\n\n© 2018 Fannie Mae. Trademarks of Fannie Mae.\n\nJune 2018 | 16 of 22\n\n5.6. UTF-8 Support\n\nTo allow use of special characters and symbols within the loan delivery XML file, systems will\nneed to support and apply Unicode Transformation Format-8 (UTF-8) encoding.\nSystems must specify the UTF-8 in the XML encoding attribute as follows: <?xml version=\"1.0\"\nencoding=\"UTF-8\"?>. Specifying UTF-8 encoding at the beginning of the loan delivery XML file\ndenotes that the document character set is UTF-8–compliant.\n\n5.7. MISMO Version 3.0 Reference Model\n\nThe MISMO Version 3.0 Reference Model defines each data point and their expected order. A system’s\nloan delivery XML file should be validated against the MISMO Version 3.0 Reference Model (Schema)\nto ensure that the file is well formed and contains the supported data points in the expected order, and\nthat the data points are spelled correctly and are of the correct MISMO data type.\n\nTo access the MISMO Version 3.0 Reference Model, visit the MISMO website at\nhttp://www.mismo.org/standards-and-resources/residential-specifications/mismo-version- 30 \n\n5.8. Managing Loan Delivery XML File Imports\n"}
diff --git a/chunks/json/41eeb02a8a7d374810da3e996ae7f0770c04ac519899f1ffed277c3eea6800a0.json b/chunks/json/41eeb02a8a7d374810da3e996ae7f0770c04ac519899f1ffed277c3eea6800a0.json
new file mode 100644
index 0000000000000000000000000000000000000000..67089396b449adf983890d9c7fe89e4263f4f787
--- /dev/null
+++ b/chunks/json/41eeb02a8a7d374810da3e996ae7f0770c04ac519899f1ffed277c3eea6800a0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":59229,"char_start":57614,"chunk_id":"chk_d2b592c41bc27abe","chunk_index":32,"chunk_sha256":"41eeb02a8a7d374810da3e996ae7f0770c04ac519899f1ffed277c3eea6800a0","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"41eeb02a8a7d374810da3e996ae7f0770c04ac519899f1ffed277c3eea6800a0","token_estimate":404,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Required if a physical\ndefect, damage, or\ndeficiency\n\nUnit Interior Exhibits\n\nRequired for each photo or\nimage\n\nPhotos or images related to\nthe Manufactured Home\nsection that are not specified\nabove.\nWhen the room is in a living\nunit or ADU, the photo must\nbe associated with the specific\nroom. The level the room is on\ndisplays automatically. See\n10.033.\nThe photo must be associated\nwith the specific interior\nfeature (e.g., flooring, walls\nand ceiling). See 10.044.\n\nThe photo must be associated\nwith the specific Defect,\nDamage, or Deficiency. See\n10.056.\n\nPhotos or images related to\nthe Unit Interior section that\nare not specified above.\n\nAppendix F-1: URAR Reference Guide\n\nPage 20 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\nIs there an Additional\nCaption\n(Free-form Text)?\n\n11\n\nFunctional\nObsolescence\n\nFunctional\nObsolescence Exhibits\n\nRequired for each photo or\nimage\n\nIs the Photo or Image\nRequired?\n\nAdditional Guidance\n\n12\n\nOutbuilding\n\nYes\n\nApparent Defects,\nDamages, Deficiencies -\nFeature\n\nMay be provided to further\nidentify the photo or image\n\nRequired if a physical\ndefect, damage, or\ndeficiency\n\nOutbuilding Exhibits\n\nRequired, including the room\ntype, location, and any other\ndescriptive information as\nappropriate.\n\nPhotos of room(s) in the\noutbuilding may be\nprovided\n\nOutbuilding Exhibits\n\nRequired for each photo or\nimage\n\n13\n\nVehicle\nStorage\n\nVehicle Storage Type\nExample: Garage\n\nMay be provided to further\nidentify the photo or image\n\nApparent Defects,\nDamages, Deficiencies -\nFeature\n"}
diff --git a/chunks/json/41fb923caa0ccf73b869fe4ce43534f3f4bf2507248c902fb325169039eef9db.json b/chunks/json/41fb923caa0ccf73b869fe4ce43534f3f4bf2507248c902fb325169039eef9db.json
new file mode 100644
index 0000000000000000000000000000000000000000..82b9187bc76b3cb37f1348a83bad221708a6b6c4
--- /dev/null
+++ b/chunks/json/41fb923caa0ccf73b869fe4ce43534f3f4bf2507248c902fb325169039eef9db.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3270,"char_start":1623,"chunk_id":"chk_679f761980c6ea5a","chunk_index":1,"chunk_sha256":"41fb923caa0ccf73b869fe4ce43534f3f4bf2507248c902fb325169039eef9db","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3abea005a829814f","text_sha256":"41fb923caa0ccf73b869fe4ce43534f3f4bf2507248c902fb325169039eef9db","token_estimate":411,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/uad-lender-readiness-kit.pdf"]},"text":"Exterior-Only Individual Cooperative Interest Appraisal Report (2095)\n\nIndividual Condominium Unit Appraisal Report (Desktop) (1073 Desktop / 465D)\n\nSmall Residential Income Property Appraisal Report (1025 / 72)\n\nIndividual Condominium Unit Appraisal Report (Hybrid) (1073 Hybrid / 465H)\n\nSingle-Family Comparable Rent Schedule (1007 / 1000)\n\nExterior-Only Inspection Individual Condominium Unit Appraisal Report (1075 / 466)\n\nAppraisal Update and/or Completion Report (1004D / 442)\n\nApril 2025 | 4\n\nKey Lender Benefits\n\nExpand scope of\nUAD to cover\nall property types\n\nImprove review\nprocess through data\nstandardization\n\nMinimize review times and\nimprove productivity\n\nApril 2025 | 5\n\nMore Key Lender Benefits\n\nReduce revisions – the appraiser\ncan, through their appraisal\nsoftware vendor, check UAD\nCompliance Rules prior to\nsubmitting to client\n\nRedesigned Submission\nSummary Report (SSR)\nprovides more pertinent\ninformation; available\nin PDF and JSON\n\nAbility to associate\nan Appraisal Update Report\nor a Completion Report\nwith original Uniform\nResidential Appraisal Report\n(URAR)\n\nApril 2025 | 6\n\nWhat’s Coming/Changing?\n\nExpanded scope of UAD covers all property types\n\n• Legacy forms will be retired – no more form numbers\n\n• Simplifies documentation of atypical properties (e.g., 2- to 4-unit condos, site condos)\n\nand identification of unique features\n\n• Helps address and adapt to industry issues and appraisal modernization\n\n•\n\nIncludes required data for FHA, VA, and USDA and a new field to clearly identify\ngovernment agency appraisals\n\nApril 2025 | 7\n\nWhat’s Coming/Changing?\n\nImprove review process through data standardization\n"}
diff --git a/chunks/json/4201555df2dba1f85ab809471fc9b52468fce199b3f49cc822f8ce40a86377b9.json b/chunks/json/4201555df2dba1f85ab809471fc9b52468fce199b3f49cc822f8ce40a86377b9.json
new file mode 100644
index 0000000000000000000000000000000000000000..72e4c3721ede6aaaa7ef106cd89b5911d6fb1470
--- /dev/null
+++ b/chunks/json/4201555df2dba1f85ab809471fc9b52468fce199b3f49cc822f8ce40a86377b9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3382,"char_start":1629,"chunk_id":"chk_036aeb252c3cf9b0","chunk_index":1,"chunk_sha256":"4201555df2dba1f85ab809471fc9b52468fce199b3f49cc822f8ce40a86377b9","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e7b4ddc2d288ca6b","text_sha256":"4201555df2dba1f85ab809471fc9b52468fce199b3f49cc822f8ce40a86377b9","token_estimate":438,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/quick-guide-ucd-enhancements-oct-12-2022.pdf"]},"text":"The UCD Test Environment will be updated with Phase 3 edits that have a fatal severity to mirror the May 2023 Phase 3\nimplementation.\n\nReview the UCD Edit Feedback Messages that will be updated on Oct. 24. A new Phase 3 Edits Tab has been added for a listing\nof the Phase 3 edit updates.\n\n© 2022 Fannie Mae\n\nOctober 2022 Page 1\nof 4\n\nIn Case You Missed It\n\nEffective\nDate\n\nSeptember\n26\n\nImpacted Area\n\nUCD Critical Edits -\nPhase 2\nImplementation\n\nDescription\n\nTo further refine UCD Phase 2 data quality, the following warning-to-fatal severity edit will transition to fatal severity:\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\nJune 27\n\nUCD Data Quality\n\nTo further refine UCD data quality, the following edit will be added as warning severity:\n\nJune 27\n\nMortgage Insurer\nName Change\n\nEdit 3176: The Current Rate Set Date provided is after the Closing Date. Please ensure the Current Rate Set Date provided is\nprior to the Closing Date.\n\nEffective Feb. 7, 2022, Genworth Mortgage Insurance Corporation formally changed its name to Enact Mortgage Insurance\nCorporation. Effective June 27, UCD will issue a warning edit (Edit 3175) for deliveries of the MI Company value Genworth.\nThe value of “Enact” has been added to the MICompanyNameTypeOtherDescription field (sort ID 894).\n\nEdit 3175: The MI Company provided is Genworth. Genworth Mortgage Insurance Corporation has formally changed its name\nto Enact Mortgage Insurance Corporation effective Feb. 7, 2022. The MI Company enumeration value for Enact should be\ndelivered in the MICompanyNameType field as “Other” and in the MICompanyNameTypeOtherDescription field as “Enact”.\n"}
diff --git a/chunks/json/4214f0e5f6d80e89faf7335eaf0b58e5844a227c6a6f3700d56473915f30d052.json b/chunks/json/4214f0e5f6d80e89faf7335eaf0b58e5844a227c6a6f3700d56473915f30d052.json
new file mode 100644
index 0000000000000000000000000000000000000000..ea7c2a39df402ff3b86f400c86ac6dd6e846f329
--- /dev/null
+++ b/chunks/json/4214f0e5f6d80e89faf7335eaf0b58e5844a227c6a6f3700d56473915f30d052.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":105419,"char_start":103725,"chunk_id":"chk_b40e115cadde4dc5","chunk_index":61,"chunk_sha256":"4214f0e5f6d80e89faf7335eaf0b58e5844a227c6a6f3700d56473915f30d052","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"4214f0e5f6d80e89faf7335eaf0b58e5844a227c6a6f3700d56473915f30d052","token_estimate":424,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"1073 Hybrid /465H\n\nREQUIREMENT\n\nPage 62 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\nAppraiser\nCertification\nSection\n\nState Certification # or State License # –\n(Appraiser and Supervisory Appraiser if\nrequired)\nThe appraiser and supervisory appraiser (if\napplicable) must enter their license or\ncertification number(s) as they appear on the\nAppraisal Subcommittee (ASC) website,\nhttp://www.asc.gov, unless otherwise\nmandated by state law or regulation. If the\njurisdiction does not provide license numbers\nfor trainees and a trainee performs the\nappraisal, the term “trainee” must be entered\nin the (Appraiser Certification Section) “or\nOther (describe)” field. If there is no\nsupervisory appraiser, leave the field blank;\ndo not make any entry (such as N/A or none).\n\nReporting Format:\nState Certification or License Number – Text\n\nExpiration Date of Certification or License\n– (Appraiser and Supervisory Appraiser if\nrequired)\nThe appraiser and supervisory appraiser (if\napplicable) must enter the expiration date of\ntheir license or certification number(s). If there\nis no supervisory appraiser, leave the field\nblank; do not make any entry (such as N/A or\nnone).\n\nReporting Format:\nExpiration Date – mm/dd/yyyy\n\nLENDER/CLIENT\nName\nThe appraiser must enter the name of the\nappraisal management company (AMC) in this\nfield if the appraisal is ordered through an\nAMC. If no AMC is involved, ‘No AMC’ must\nbe entered.\n"}
diff --git a/chunks/json/422049d11be651beaa1504d3c90ee4ad8d4372e1dfe2f4b105bfc2e13cbe8d0a.json b/chunks/json/422049d11be651beaa1504d3c90ee4ad8d4372e1dfe2f4b105bfc2e13cbe8d0a.json
new file mode 100644
index 0000000000000000000000000000000000000000..67ba45db2ee2f2ca7ef1e6e077f949cf29a7769b
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+++ b/chunks/json/422049d11be651beaa1504d3c90ee4ad8d4372e1dfe2f4b105bfc2e13cbe8d0a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":18840,"char_start":18359,"chunk_id":"chk_ae8670fbfcf8061f","chunk_index":28,"chunk_sha256":"422049d11be651beaa1504d3c90ee4ad8d4372e1dfe2f4b105bfc2e13cbe8d0a","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"422049d11be651beaa1504d3c90ee4ad8d4372e1dfe2f4b105bfc2e13cbe8d0a","token_estimate":416,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Sketch Commentary (H1) .................................................................................................................................... 43\n\nDwelling Exterior ........................................................................................................................................... 43\n\nQuality and Condition (H1) ................................................................................................................................. 43\n"}
diff --git a/chunks/json/4224a16b03f5fb90945caec5f6d03e8ffe6653e9f58e866f05bd061fb283eb7a.json b/chunks/json/4224a16b03f5fb90945caec5f6d03e8ffe6653e9f58e866f05bd061fb283eb7a.json
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+++ b/chunks/json/4224a16b03f5fb90945caec5f6d03e8ffe6653e9f58e866f05bd061fb283eb7a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":59178,"char_start":58700,"chunk_id":"chk_97d882f2fe2fdcd0","chunk_index":93,"chunk_sha256":"4224a16b03f5fb90945caec5f6d03e8ffe6653e9f58e866f05bd061fb283eb7a","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"4224a16b03f5fb90945caec5f6d03e8ffe6653e9f58e866f05bd061fb283eb7a","token_estimate":427,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Page 17\n\nGeneral Information ................................................................................................................................................................................................................. 282\n\nProject Information .................................................................................................................................................................................................................. 283\n"}
diff --git a/chunks/json/422a5ef712223e6b966c252748be974c7974dc21e335f7f5abeacdea626d4404.json b/chunks/json/422a5ef712223e6b966c252748be974c7974dc21e335f7f5abeacdea626d4404.json
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+{"chunk":{"char_end":1758,"char_start":0,"chunk_id":"chk_c637b8957607c957","chunk_index":0,"chunk_sha256":"422a5ef712223e6b966c252748be974c7974dc21e335f7f5abeacdea626d4404","date_utc":"2026-01-27T17:54:27+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_5ed8dfa7106932e3","text_sha256":"422a5ef712223e6b966c252748be974c7974dc21e335f7f5abeacdea626d4404","token_estimate":531,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Language_Translation_Disclosure___FHFA_1sd4n6.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/mortgage-translations/language-translation-disclosure\"\ndate_accessed: \"2026-01-27T17:54:20.469Z\"\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/422a7e2cf21b4c4d7a5149aae58827d6065fd6fc8d3c1ce3c4ab023ae6009ca3.json b/chunks/json/422a7e2cf21b4c4d7a5149aae58827d6065fd6fc8d3c1ce3c4ab023ae6009ca3.json
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index 0000000000000000000000000000000000000000..49eb11e3035d2109ede297cce980f0907c850507
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+++ b/chunks/json/422a7e2cf21b4c4d7a5149aae58827d6065fd6fc8d3c1ce3c4ab023ae6009ca3.json
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+{"chunk":{"char_end":9748,"char_start":8015,"chunk_id":"chk_e92290c6b30c49f6","chunk_index":5,"chunk_sha256":"422a7e2cf21b4c4d7a5149aae58827d6065fd6fc8d3c1ce3c4ab023ae6009ca3","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_44da942cd9ee500b","text_sha256":"422a7e2cf21b4c4d7a5149aae58827d6065fd6fc8d3c1ce3c4ab023ae6009ca3","token_estimate":434,"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":"2019-07-24\n\nSale\n\n700 New Haven Ave, NW\n\nUnit\n\n308\n\nWashington\n\n20001\n\nDC\n\n2\n\nSettledSale\n\nMore recently sold comparable properties were available.\n\nfalse\n\nDatedSale\n\n2019-07-31\n\nSale\n\n700 New Haven Ave, NW\n\nUnit\n\n920\n\nWashington\n\n20001\n\nDC\n\n3\n\nSettledSale\n\nThis unit has more bathrooms and bedrooms than the subject; it's also a larger unit.\n\nfalse\n\nBathroomCount\n\nBedroomCount\n\nGrossLivingArea\n\n2019-08-02\n\nSale\n\n702 New Haven Ave, NW\n\nUnit\n\n514\n\nWashington\n\n20001\n\nDC\n\n4\n\nSettledSale\n\nThis unit has more bathrooms and bedrooms than the subject; it's also a larger unit.\n\nfalse\n\nBathroomCount\n\nBedroomCount\n\nGrossLivingArea\n\n2019-07-14\n\nSale\n\n2700 President Ave, NW\n\nUnit\n\n1234\n\nWashington\n\n20001\n\nDC\n\n5\n\nSettledSale\n\nThis unit has a water view of the river and is larger in size when compared to the subject.\n\nfalse\n\nGrossLivingArea\n\nOther\n\nWaterView\n\n2019-08-10\n\nSale\n\n39284M12\n\nClient\n\nRQT54-875\n\nValuationSoftwareVendor\n\nNotNecessaryForCredibleResults\n\nNotNecessaryForCredibleResults\n\nThe Comparable Sales selected for use in this report were selected for their similar characteristics and location. While comparing each property to the subject I found the following: Comp #1 is the most similar to the subject; it is located in the same building and on the same floor level as the subject. Further, it is the most similar in size, condition, and quality. Comp #2 is larger in size but still located in the same building; its condition and quality are similar to the subject. Comp #3 is from a competing project located close to the subject; it is slightly smaller in size, in similar condition, and the project amenities are effectively equal to those of the subject project. Comp #3 is not a historically designated property.\n"}
diff --git a/chunks/json/422aa81bb5434e6b8ca038b2bb38df76a56365b9fede99ab6463e3007ffa7075.json b/chunks/json/422aa81bb5434e6b8ca038b2bb38df76a56365b9fede99ab6463e3007ffa7075.json
new file mode 100644
index 0000000000000000000000000000000000000000..5cf74a12fd0b2cd6d8cf4a31681f5fbd7e8b942f
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+++ b/chunks/json/422aa81bb5434e6b8ca038b2bb38df76a56365b9fede99ab6463e3007ffa7075.json
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+{"chunk":{"char_end":1213590,"char_start":1211946,"chunk_id":"chk_6308f16fafde9991","chunk_index":720,"chunk_sha256":"422aa81bb5434e6b8ca038b2bb38df76a56365b9fede99ab6463e3007ffa7075","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"422aa81bb5434e6b8ca038b2bb38df76a56365b9fede99ab6463e3007ffa7075","token_estimate":411,"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’]/@Sa\nlePriceTotalAdjustmentAmount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/@Sa\nlePriceTotalAdjustmentNetPercent\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/@Sa\nlesPriceTotalAdjustmentGrossPercent\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\n1\n\n9\n\n6\n\n6\n\nBoolean\n\nA value of 'Y' indicates the Positive box has been checked and the net adjustment is\npositive, a value of 'N' indicates the Negative box has been checked and the net\nadjustment is negative.\n\nBoolean\n\nA value of 'Y' indicates the Positive box has been checked and the net adjustment is\npositive, a value of 'N' indicates the Negative box has been checked and the net\nadjustment 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 and\nnegative adjustments.\n\nMoney\n\nPDF Display Format:\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\nNumeric\n\nPDF Display Format:\nIn percentage points (e.g. a value of 25.10 represents 25.10%), up to 2 decimal\nplaces.\n\nThe sum of this field 2-96 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, 2-84, 2-86, 2-\n88, 2-90, 2-92, 2-94, 2-98, 2-100) must add up\nto Net Adjustment field 2-103.\n"}
diff --git a/chunks/json/422c8f339197e268dd0aa1ac19bdcfcb35000959e601160495bd3a7b48b1ac6f.json b/chunks/json/422c8f339197e268dd0aa1ac19bdcfcb35000959e601160495bd3a7b48b1ac6f.json
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+{"chunk":{"char_end":929026,"char_start":927420,"chunk_id":"chk_40b2eac082d5e9a1","chunk_index":552,"chunk_sha256":"422c8f339197e268dd0aa1ac19bdcfcb35000959e601160495bd3a7b48b1ac6f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"422c8f339197e268dd0aa1ac19bdcfcb35000959e601160495bd3a7b48b1ac6f","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_VIEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL_EXTENSIO\nN_SECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_DATA\n/COMPARISON_VIEW_DETAIL[@GSEViewType='Other']/@GSEViewTypeOt\nherDescription\n\n415\n\n416\n\n417\n\n3\n\n3\n\n3\n\n78\n\n79\n\n80\n\nSALES\nCOMPARISON\nAPPROACH\n\nView Adjustment\n\nSALES\nCOMPARISON\nAPPROACH\n\nDesign (Style)\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='View']/@_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='DesignStyle']/@_Description\n\nSALES\nCOMPARISON\nAPPROACH\n\nDesign (Style) 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='DesignStyle']/@_Amount\n\n418\n\n3\n\n81\n\nSALES\nCOMPARISON\nAPPROACH\n\nQuality of Construction\n"}
diff --git a/chunks/json/4232ec88c1a2e1d463f1a6178cda9acec61a685637f9ec4cf3542795bc2fb243.json b/chunks/json/4232ec88c1a2e1d463f1a6178cda9acec61a685637f9ec4cf3542795bc2fb243.json
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index 0000000000000000000000000000000000000000..6ca3e6be6ba037269a022fddba9f905419fa8744
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+++ b/chunks/json/4232ec88c1a2e1d463f1a6178cda9acec61a685637f9ec4cf3542795bc2fb243.json
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+{"chunk":{"char_end":72883,"char_start":71267,"chunk_id":"chk_f348e9e3df7d8013","chunk_index":42,"chunk_sha256":"4232ec88c1a2e1d463f1a6178cda9acec61a685637f9ec4cf3542795bc2fb243","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"4232ec88c1a2e1d463f1a6178cda9acec61a685637f9ec4cf3542795bc2fb243","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"This is where the Street Scene 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 4 of 26\nPage 4 of 26\n\nSketch\n\nMeasurement Standard\n\nSketch\n\nNot Applicable due to property\ntype\n\nSketch Commentary\n\nEach unit is 1,190 square feet of finished living area. There is an additional 522 square feet of finished common area within the building,\ntherefore the Gross Building Finished Area is 5,282 square feet. The ANSI measurement standard does not apply to apartment / multifamily\nbuildings. Dimensions provided in the footprint sketch are exterior perimeter measurements.\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 5 of 26\nPage 5 of 26\n\nDwelling Exterior - Building 1\n\nSubject Property Units in\nStructure\nDwelling Style\nFront Door Elevation\nYear Built\nConstruction Method\nConverted Area\n\n4\nTraditional\nGround Level\n2014\nSite Built\nNone\n\nThis is where the Dwelling Front photo would display.\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\nDetail\nBrick | Cement Board\n\nPoured Concrete | Slab\n\nComposition\nEstimated Age: 10-20 Years\n"}
diff --git a/chunks/json/4233f67574c8b5182ba89274693078dbeb5ee6a11fea7b0a0f74eb0c6b6a3422.json b/chunks/json/4233f67574c8b5182ba89274693078dbeb5ee6a11fea7b0a0f74eb0c6b6a3422.json
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+++ b/chunks/json/4233f67574c8b5182ba89274693078dbeb5ee6a11fea7b0a0f74eb0c6b6a3422.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":275805,"char_start":274128,"chunk_id":"chk_86f19a1940704e58","chunk_index":162,"chunk_sha256":"4233f67574c8b5182ba89274693078dbeb5ee6a11fea7b0a0f74eb0c6b6a3422","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"4233f67574c8b5182ba89274693078dbeb5ee6a11fea7b0a0f74eb0c6b6a3422","token_estimate":419,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Dwelling Rear Photo\nWhen required, provide photo(s) of the rear of the dwelling, which display in\nDwelling Exterior Exhibits with the caption “Dwelling Rear”. An additional\ncaption may be provided to further identify the photo.\n\nPhotos relevant to the Dwelling Exterior section may be provided, which\ndisplay in Dwelling Exterior Exhibits. If the photo is not specifically indicated,\nan additional caption must be provided to further identify the photo.\n\nAppendix F-1: URAR Reference Guide\n\nPage 115 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n09 Manufactured Home\n\n09 Manufactured Home\n\nThe Manufactured Home section repeats for each manufactured home on the property that is either a dwelling\nor an ADU, and provides space for additional commentary and exhibits. If there are no manufactured homes on\nthe property, the section does not display.\n\nAs with other types of properties, additional facts about the manufactured home are captured in the Dwelling\nExterior, Outbuilding, and / or Unit Interior sections.\n• The Outbuilding section displays (instead of Manufactured Home) if the manufactured home is an\n\noutbuilding that is not an ADU. Example: A manufactured home that has been physically modified and is no\nlonger livable.\n\nReference published guidelines by the GSEs, government agencies, or other identified secondary market\nparticipants for specific guidance.\n\nManufactured Homes that are Dwellings\n\nIf the manufactured home is a dwelling, the Manufactured Home section displays after the applicable Dwelling\nExterior section. Reference Types of Structures for more information to determine whether the manufactured\nhome is considered a dwelling or outbuilding.\n"}
diff --git a/chunks/json/4240ca0cf5ce4e24d6e8f706d858d36a8826d9a4ef44a8dcc746e315a69321fe.json b/chunks/json/4240ca0cf5ce4e24d6e8f706d858d36a8826d9a4ef44a8dcc746e315a69321fe.json
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+{"chunk":{"char_end":12623,"char_start":10861,"chunk_id":"chk_497bca0e7221a728","chunk_index":6,"chunk_sha256":"4240ca0cf5ce4e24d6e8f706d858d36a8826d9a4ef44a8dcc746e315a69321fe","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_34892c2649958e0d","text_sha256":"4240ca0cf5ce4e24d6e8f706d858d36a8826d9a4ef44a8dcc746e315a69321fe","token_estimate":441,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Stress_Tests_Reports___Fannie_Mae___Freddie_Mac____nj4oqd.md"]},"text":"The projections reported here are not expected outcomes. They are modeled projections in response to “what if” exercises based on assumptions about Enterprise operations, loan performance, macroeconomic and financial market conditions, and house prices. The projections do not define the full range of possible outcomes. Actual outcomes may be different.\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/42431977b755124d62b8a8a136d4516b586db6593378bcb09803f937d98dc2e1.json b/chunks/json/42431977b755124d62b8a8a136d4516b586db6593378bcb09803f937d98dc2e1.json
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+++ b/chunks/json/42431977b755124d62b8a8a136d4516b586db6593378bcb09803f937d98dc2e1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9272,"char_start":8984,"chunk_id":"chk_91e51b8086c08316","chunk_index":5,"chunk_sha256":"42431977b755124d62b8a8a136d4516b586db6593378bcb09803f937d98dc2e1","date_utc":"2026-01-27T18:10:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b0bb634c8cbfe634","text_sha256":"42431977b755124d62b8a8a136d4516b586db6593378bcb09803f937d98dc2e1","token_estimate":72,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_123115.pdf","below_target_min_tokens"]},"text":"Special Housing Goals Loan\n1 – Yes\n2 – No\nFederal Financial Stability Plan\n1 – Yes\n2 – No\n\nAcquisition Type\n1 - Cash\n2 - SWAP\n3 - Other\n4 - Credit Enhancement\n5 - Bond or Debt Purchase\n6 - REMIC\n7 - Reinsurance\n8 - Risk Sharing\n9 - REIT\n\nGSE Real Estate Owned\n1 – Yes\n2 – No\n\nPage 5 of 5\n"}
diff --git a/chunks/json/4248a2151cb21c7ce20a8f74842df4e8dbb317ca5124cab61bb71eadf749da4b.json b/chunks/json/4248a2151cb21c7ce20a8f74842df4e8dbb317ca5124cab61bb71eadf749da4b.json
new file mode 100644
index 0000000000000000000000000000000000000000..8c82754f9a8890d8c47517ce94745c8651d8e6e7
--- /dev/null
+++ b/chunks/json/4248a2151cb21c7ce20a8f74842df4e8dbb317ca5124cab61bb71eadf749da4b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13943,"char_start":12347,"chunk_id":"chk_bc0763661627db02","chunk_index":7,"chunk_sha256":"4248a2151cb21c7ce20a8f74842df4e8dbb317ca5124cab61bb71eadf749da4b","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2669302acf0b4029","text_sha256":"4248a2151cb21c7ce20a8f74842df4e8dbb317ca5124cab61bb71eadf749da4b","token_estimate":413,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Federal_Home_Loan_Bank_System___FHFA_rv5zt.md"]},"text":"[Historical Information: 2008 and Before](/supervision/federal-home-loan-bank-system/historical-information-pre-2008)\n\n## Additional Resources\n\n**Affordable Housing and Community Investment**\n\n- [Affordable Housing and Community Investment home page](/programs/affordable-housing)\n- [FHLBank Community Lending Plans](/programs/fhlbank-community-lending-plans)\n- [Targeted Mission Activities Report](/reports/fhlbank-targeted-mission-activities)\n- [Voluntary and pilot programs](/programs/fhlbank-voluntary-and-pilot-programs)\n**Governance**\n\n- [Independent Director Application Form](/document/fhfa-form-129-federal-home-loan-bank-independent-director-application-form.pdf)\n- [Independent Director Annual Certification Form](/document/fhfa-form-130-federal-home-loan-bank-independent-director-annual-certification-form.pdf)\n- [Member Director Eligibility Certification Form](/document/fhfa-form-131-federal-home-loan-bank-member-director-eligibility-certification-form.pdf)\n**Guidance and Rulemaking**\n\n- [Advisory Bulletins](/advisory-bulletin)\n- [Code of Federal Regulations: FHLBanks](https://www.ecfr.gov/current/title-12/chapter-XII/subchapter-D)\n- [Rulemaking and Federal Register](/regulation/rulemaking)\n\n**Membership**\n\n- [FHLBank contacts](/supervision/federal-home-loan-bank-system/districts)\n- [Membership listings](/data/fhlb-membership)\n**Office of Finance**\n\n- [Combined Financial Reports](https://www.fhlb-of.com/ofweb_userWeb/pageBuilder/fhlbank-financial-data-36)\n- [Debt issuance reporting](https://www.fhlb-of.com/ofweb_userWeb/pageBuilder/debt-statistics-61)\n**Stress Tests**\n"}
diff --git a/chunks/json/425103d0803567dc9a22c1abd5d06d60a0efd77756c4540de7edaec247d0034a.json b/chunks/json/425103d0803567dc9a22c1abd5d06d60a0efd77756c4540de7edaec247d0034a.json
new file mode 100644
index 0000000000000000000000000000000000000000..a4a170b7e3c75f343389bfdb1a70076614715a6f
--- /dev/null
+++ b/chunks/json/425103d0803567dc9a22c1abd5d06d60a0efd77756c4540de7edaec247d0034a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":16064,"char_start":15569,"chunk_id":"chk_a2a18f89307601e9","chunk_index":23,"chunk_sha256":"425103d0803567dc9a22c1abd5d06d60a0efd77756c4540de7edaec247d0034a","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"425103d0803567dc9a22c1abd5d06d60a0efd77756c4540de7edaec247d0034a","token_estimate":441,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Subject Property Exhibits (H1) ............................................................................................................................ 37\n\nSite ................................................................................................................................................................ 37\n\nSite Influence (H1) .............................................................................................................................................. 38\n"}
diff --git a/chunks/json/42753efc2c209f22cdd1e33ef403f46612c93210a91b1c5504a7dc24bf758dd3.json b/chunks/json/42753efc2c209f22cdd1e33ef403f46612c93210a91b1c5504a7dc24bf758dd3.json
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index 0000000000000000000000000000000000000000..67ff3053bc729ced3e6a5f0e6b5ee875b3a41186
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+++ b/chunks/json/42753efc2c209f22cdd1e33ef403f46612c93210a91b1c5504a7dc24bf758dd3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":457988,"char_start":456366,"chunk_id":"chk_67289ade83510b98","chunk_index":350,"chunk_sha256":"42753efc2c209f22cdd1e33ef403f46612c93210a91b1c5504a7dc24bf758dd3","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"42753efc2c209f22cdd1e33ef403f46612c93210a91b1c5504a7dc24bf758dd3","token_estimate":406,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Page 363\n\nText Conditionality\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAdditional Scope of Work – ValuationAdditionalScopeOfWorkIndicator (UID: 2200.0062, FID: Not on report)\n\n•\n\nIf “true”\n\no Display sub-header: Additional Scope of Work (FID: 29.002)\no Display in italics below sub-header: Additional Scope of Work cannot be contrary to the original Scope of Work.\no Display the text from ValuationScopeOfWorkDescription (UID: 2200.0003, FID: 29.003) and deliver in XML.\n\n•\n\nIf “false”\n\no Do not display\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nIntended Use\n\nThe Intended Use subsection always displays.\n\nPage 364\n\nReport\nField ID\n\n29.004\n\n29.005\n\nIntended Use Text\n\nText Conditionality\n\nThe intended use of the opinions and conclusions contained in this appraisal report is for the intended user to\nevaluate the property that is the subject of this appraisal for a mortgage finance transaction or related activities.\n\nAlways displays\n\nThe intended use of the appraisal is solely to assist FHA in assessing the risk of the Property securing the FHA-\ninsured Mortgage (24 CFR § 200.145(b)).\n\nDisplay when GovernmentAgencyAppraisalType = \"FHA\" AND\nValuationAssignmentType = \"Purchase\" OR \"Refinance\"\n\nWhen ValuationIntendedUseDescription (UID: 2200.0005, FID: 29.007) is provided AND GovernmentAgencyAppraisalIndicator = \"true\"\n\n• Display sub-header: Additional Intended Use (FID: 29.006)\n• Display in italics below sub-header: Additional Intended Use cannot be contrary to the original Intended Use.\n• Display the text from ValuationIntendedUseDescription (UID: 2200.0005, FID: 29.007) and deliver in XML.\n"}
diff --git a/chunks/json/4280eb7770881aa866462863f66c06c0311f02a0e8f74d5b1f17116fd42d12b4.json b/chunks/json/4280eb7770881aa866462863f66c06c0311f02a0e8f74d5b1f17116fd42d12b4.json
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index 0000000000000000000000000000000000000000..bf1510a036351a61844f262610240df39744c97e
--- /dev/null
+++ b/chunks/json/4280eb7770881aa866462863f66c06c0311f02a0e8f74d5b1f17116fd42d12b4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1735,"char_start":0,"chunk_id":"chk_b9f720ed0aeec837","chunk_index":0,"chunk_sha256":"4280eb7770881aa866462863f66c06c0311f02a0e8f74d5b1f17116fd42d12b4","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_695cc136fc0a3824","text_sha256":"4280eb7770881aa866462863f66c06c0311f02a0e8f74d5b1f17116fd42d12b4","token_estimate":531,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Research___FHFA_gssm7.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/research?category%5B961%5D=961\"\ndate_accessed: \"2026-01-27T17:47:56.351Z\"\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/42897e0ad7ca3b398cd36d689c11ff10da0760e25a338146c98ba94d5139e5da.json b/chunks/json/42897e0ad7ca3b398cd36d689c11ff10da0760e25a338146c98ba94d5139e5da.json
new file mode 100644
index 0000000000000000000000000000000000000000..7f50c0d7ca07574efe0b305fa4204559a6e07c6d
--- /dev/null
+++ b/chunks/json/42897e0ad7ca3b398cd36d689c11ff10da0760e25a338146c98ba94d5139e5da.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":36310,"char_start":34321,"chunk_id":"chk_23f34ca81cb91218","chunk_index":21,"chunk_sha256":"42897e0ad7ca3b398cd36d689c11ff10da0760e25a338146c98ba94d5139e5da","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"42897e0ad7ca3b398cd36d689c11ff10da0760e25a338146c98ba94d5139e5da","token_estimate":497,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Reporting Format:\nProperty Values – Checkbox designated with\nan ‘x’ Demand/Supply – Checkbox designated\nwith an ‘x’ Marketing Time – Checkbox\ndesignated with an ‘x’\n\nPage 18 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\nCondominium Unit Housing Trends\n\n• 1073/465\n\nREQUIREMENT\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\n• 1004/70\n\nINSTRUCTION\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\nProperty Values\nThe appraiser must indicate whether property\nvalues for condominium unit housing in the\nsubject’s neighborhood are increasing, stable,\nor declining. Only one selection is permitted.\n\nDemand/Supply\nThe appraiser must indicate whether the\ndemand/supply of condominium unit housing\nin the subject property’s neighborhood is in\nshortage, in balance, or over supply. Only one\nselection is permitted.\n\nMarketing Time\nThe appraiser must indicate whether the\nmarketing time for condominium unit housing\nis under 3 mths, 3–6 mths, or over 6 mths.\nOnly one selection is permitted.\n\nReporting Format:\nProperty Values – Checkbox designated with\nan ‘x’ Demand/Supply – Checkbox designated\nwith an ‘x’ Marketing Time – Checkbox\ndesignated with an ‘x’\n\nNeighborhood Boundaries\nThe appraiser should provide an outline of the\nneighborhood boundaries, which should be\nclearly delineated using ‘North’, ‘South’, ‘East’,\nand ‘West’. These boundaries may include\nbut are not limited to streets, legally\nrecognized neighborhood boundaries,\nwaterways, or other natural boundaries that\ndefine the separation of one neighborhood\nfrom another. Appraisers should not reference\na map or other addendum as the only\nexample of the neighborhood boundaries.\n"}
diff --git a/chunks/json/42a311ec5a928ae855b4ebbe72d2f70ec995b3d9dcb9e0cd4e72f635d901218b.json b/chunks/json/42a311ec5a928ae855b4ebbe72d2f70ec995b3d9dcb9e0cd4e72f635d901218b.json
new file mode 100644
index 0000000000000000000000000000000000000000..7ce2d6842b089a7e734ea8706e2c10936fa1a47c
--- /dev/null
+++ b/chunks/json/42a311ec5a928ae855b4ebbe72d2f70ec995b3d9dcb9e0cd4e72f635d901218b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":612496,"char_start":610784,"chunk_id":"chk_d47e8cefdf62de4f","chunk_index":364,"chunk_sha256":"42a311ec5a928ae855b4ebbe72d2f70ec995b3d9dcb9e0cd4e72f635d901218b","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"42a311ec5a928ae855b4ebbe72d2f70ec995b3d9dcb9e0cd4e72f635d901218b","token_estimate":428,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Notes:\n•\n•\n\nHalf spaces are accounted for here.\nFor detached garages that include other uses (ADUs or additional\nareas), only report area that is specific to the vehicle storage.\n\nAppendix F-1: URAR Reference Guide\n\nPage 267 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport\nField ID\n\n22.13.03\n22.13.06\n\nReport Label\n\nAdditional\ndata element\ndisplays as the\nReport Label\n22.13.02\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\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nFree-form\n\nAdditional Row does not\nprepopulate from\nVehicle Storage. The\nappraiser must enter\ninformation for the\nsubject property.\n\nNo\n\nAdditional Row\nThis row displays on the sales comparison grid when an additional data\nelement relevant to the Vehicle Storage subsection is needed that is not\npredefined.\n\nExample: Attached garages with additional features such as heat,\ncooling, or bathroom.\n\nNote: Only put one data element in each row and add additional rows as\nneeded for other data elements.\n\nAppendix F-1: URAR Reference Guide\n\nPage 268 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nOutbuilding\n\nThe Outbuilding subsection displays on the sales comparison grid when the subject or any comparable has outbuilding(s) that are real property,\nother than standalone ADUs or ADU/Garages which are reported in the Unit(s) and/or Vehicle Storage subsection.\n• The “When Row Displays” and “When to Include for each Comparable” columns in this subchapter reflect this.\n"}
diff --git a/chunks/json/42ba2666e101ef45b481825e373bb4f43bf9e7f84f8093c42d78451bb908c703.json b/chunks/json/42ba2666e101ef45b481825e373bb4f43bf9e7f84f8093c42d78451bb908c703.json
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index 0000000000000000000000000000000000000000..36c64a3668597ad5330e5677223295c66b20f576
--- /dev/null
+++ b/chunks/json/42ba2666e101ef45b481825e373bb4f43bf9e7f84f8093c42d78451bb908c703.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":243856,"char_start":242204,"chunk_id":"chk_caa095230812c539","chunk_index":223,"chunk_sha256":"42ba2666e101ef45b481825e373bb4f43bf9e7f84f8093c42d78451bb908c703","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"42ba2666e101ef45b481825e373bb4f43bf9e7f84f8093c42d78451bb908c703","token_estimate":413,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"</MANUFACTURED_HOME_FINANCING_PROGRAM>\n <MANUFACTURED_HOME_FINANCING_PROGRAM>\n\n<ManufacturedHomeFinancingProgramEligibilityIdentifier>CH1000001</ManufacturedHomeFinancingProgramEligibilityIdentifier>\n<ManufacturedHomeFinancingProgramEligibilityType>FreddieMacCHOICEHome</ManufacturedHomeFinancingProgramEligibilityType>\n\n</MANUFACTURED_HOME_FINANCING_PROGRAM>\n</MANUFACTURED_HOME_FINANCING_PROGRAMS>\n\nManufactured Home Exhibits\n\nThe Manufactured Home Exhibits subsection displays when images are provided. All text must display above each image in bold font.\n\nThe Manufactured Home Exhibits subsection contains images to support the following :\n\n• HUD Data Plate - Display \"HUD Data Plate\" with caption, if provided.\n\nImageCategoryType (UID: 1400.0975, FID: 9.010.1) = “ManufacturedHomeHUDDataPlate”\nImageCaptionCommentDescription (UID: 1400.0974, FID: 9.010.2)\n\n• HUD Certification Number - An image of all HUD Certification labels must be provided. Display each image with the text \"HUD\n\nCertification Label\" with caption, if provided.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nImageCategoryType (UID: 1400.0967, FID: 9.017.1) = “ManufacturedHomeHUDCertificationLabel”\nImageCaptionCommentDescription (UID: 1400.0966, FID: 9.017.2)\n\n• Manufactured Home Certification Program - Display \"Manufactured Home Certification\" with caption, if provided.\n\nImageCategoryType (UID: 1400.0959, FID: 9.018.1) = “ManufacturedHomeFinancingProgramEligibilityCertification”\nImageCaptionCommentDescription (UID: 1400.0958, FID: 9.018.2)\n\nAdditional images should be delivered with:\n\nImageCategoryType (UID: 1400.0638, FID: 9.027.1) = “ManufacturedHomeExhibits”.\n"}
diff --git a/chunks/json/42c7ee426c6edc86003b2d28be88ac57df200bcc0cedc96ee338dcd4e6692453.json b/chunks/json/42c7ee426c6edc86003b2d28be88ac57df200bcc0cedc96ee338dcd4e6692453.json
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index 0000000000000000000000000000000000000000..e5959523f74ee9363b291fdd281e376d1b571e2f
--- /dev/null
+++ b/chunks/json/42c7ee426c6edc86003b2d28be88ac57df200bcc0cedc96ee338dcd4e6692453.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":25361,"char_start":23729,"chunk_id":"chk_509e21d57fe4909b","chunk_index":17,"chunk_sha256":"42c7ee426c6edc86003b2d28be88ac57df200bcc0cedc96ee338dcd4e6692453","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"42c7ee426c6edc86003b2d28be88ac57df200bcc0cedc96ee338dcd4e6692453","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"EMPLOYERS\n\nEMPLOYER\n\nSequence Number = “1”\n xlink:label = “EMPLOYER_1”\n\nLEGAL_ENTITY\n\nLEGAL_ENTITY_DETAIL\n Full Name\n\nROLE DETAIL\n\nParty Role Type = Borrower\n\nFigure 1. Establishing Endpoints of Relationship\n\nThe table below (Table 1) shows the endpoints that will makeup the xlink arcrole relationship for each\nrelationship.\n\nXPath For Container\n\nCONTAINER\nCURRENT_INCOME_ITEM DEAL/PARTIES/PARTY/ROLES/ROLE/B\nORROWER/CURRENT_INCOME/CURR\nENT_INCOME_ITEMS/CURRENT_INCO\nME_ITEM\nCURRENT_INCOME_ITEM DEAL/PARTIES/PARTY/ROLES/ROLE/B\nORROWER/CURRENT_INCOME/CURR\nENT_INCOME_ITEMS/CURRENT_INCO\nME_ITEM\nDEAL/PARTIES/PARTY/ROLES/ROLE/B\nORROWER/EMPLOYERS/EMPLOYER\n\nEMPLOYER\n\nSequence Number Xlink:label\n\n1\n\n2\n\n1\n\nCURRENT_INCOME_I\nTEM_1\n\nCURRENT_INCOME_I\nTEM_2\n\nEMPLOYER_1\n\nTable 1. Identifying Endpoints in the Relationship\n\nData Relationships Using Xlink and MISMO Arcroles\n\nPage 15 of 29\n\nVersion 1.1\n\n___________ _ __ Uniform Loan Application Dataset (ULAD) Xlink Arcroles\n\nThe table below (Table 2) shows a breakdown of the detailed components of the relationships used to relate\na borrower’s income to the employment source.\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\narcrole=\"urn:fdc:mism\no.org:2009:residential\n\nfrom\n\nto\n\nSecond Instance of RELATIONSHIP\nMESSAGE/DEAL_SETS/D\nEAL_SET/DEALS/DEAL/P\nARTIES/RELATIONSHIPS\n/RELATIONSHIP\n\nSequence Number\n\narcrole=\"urn:fdc:mism\no.org:2009:residential\n\nfrom\n\nto\n\n1\n\nCURRENT_INCO ME_IT\nEM_IsAssociate dWith_E\nMPLO YER\nCURRENT_INCOME_I\nTEM_1\n"}
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index 0000000000000000000000000000000000000000..99d8beaa02e67b0dddc4c0c3479c1619b8f7f2cb
--- /dev/null
+++ b/chunks/json/42ca921002386d58a6a6fc20d057a029d42a1dab186b65726b301663f51366ca.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":131378,"char_start":129723,"chunk_id":"chk_ce212ac4ccf383cc","chunk_index":57,"chunk_sha256":"42ca921002386d58a6a6fc20d057a029d42a1dab186b65726b301663f51366ca","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"42ca921002386d58a6a6fc20d057a029d42a1dab186b65726b301663f51366ca","token_estimate":414,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"UID 16.015 N/A – GSE …/LOAN_DETAIL/EXTENSIO\n\nN/OTHER\n\nUID 3.036 N/A – GSE …/LOAN/REFINANCE\n\nConstructionLoanIndicat\nor\n\ngse:SubordinateFinancin\ngIsNewIndicator\n\nfalse\n\nNot shown – data clarity\n\nfalse\n\nNot shown – data clarity\n\nRefinanceSameLenderIn\ndicator\n\ntrue\n\nNot shown-ATR/QM\n\nUID 3.016 N/A – GSE …/LOAN/TERMS_OF_LOAN LienPriorityType\n\nFirstLIen\n\nNot shown – data clarity\n\n3.2\n\nPurpose\n\nLoanPurposeType\n\nRefinance\n\nNot shown – industry\nconvention to designate\nall loans as either\npurchase or refinance\n\nAppendix E: UCD Implementation Guide\n\nPage 52 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n3. 3 PRODUCT\n\n3.0 Loan Information\n\nThe Regulation specifies three Product types: “Fixed,” “Adjustable,” and “Step Rate” loans. Product types may\nbe qualified by the following additional features: “Negative Amortization,” “Interest Only,” “Step Payment,”\n“Balloon Payment,” and “Seasonal Payment.” Refer to the Regulation for specific guidance on how to present\nthe data required for the Product field.\n\n3.0 Loan Information\n\n3.2 Purpose Home Equity Loan\n\n3.3 Product\n\n5/3 Adjustable Rate\n\n3.4 Loan Type  Conventional  FHA\n\n VA _______________\n\nFigure 22. Product\n\nTable 36. Product\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\n3.3\n\nN/A-GSE\n\n3.3\n\nProduct\n\n…/LOAN/AMORTIZA\nTION/AMORTIZATIO\nN_RULE\n\n…/INTEGRATED_DIS\nCLOSURE_DETAIL\n\nAmortizationType\n\nAdjustableRate\n\nNot shown – data\npoint for clarity\n\nIntegratedDisclosure\nLoanProductDescript\nion\n\n5/3 Adjustable Rate\n\n1. MAPPI NG GUI DANCE\n\na. Because its definition is specific to Integrated Disclosure forms, Product is conveyed using the\n"}
diff --git a/chunks/json/42ddcdaf6288f052acd9e569cb336f8cb039e296b2c7461faf7ad8f2a34d5745.json b/chunks/json/42ddcdaf6288f052acd9e569cb336f8cb039e296b2c7461faf7ad8f2a34d5745.json
new file mode 100644
index 0000000000000000000000000000000000000000..f2642dc0a9346364c9e8923c73a0598a0b7b8344
--- /dev/null
+++ b/chunks/json/42ddcdaf6288f052acd9e569cb336f8cb039e296b2c7461faf7ad8f2a34d5745.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":17153,"char_start":15403,"chunk_id":"chk_1ede52170863fd65","chunk_index":8,"chunk_sha256":"42ddcdaf6288f052acd9e569cb336f8cb039e296b2c7461faf7ad8f2a34d5745","date_utc":"2026-01-27T17:48:05+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_c77231a66dbb61a3","text_sha256":"42ddcdaf6288f052acd9e569cb336f8cb039e296b2c7461faf7ad8f2a34d5745","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":"(v) Native Hawaiian or Other Pacific Islander - a [person](https://www.law.cornell.edu/definitions/index.php?width=840&height=800&iframe=true&def_id=dafada19a570b7e4ce55d28e6b165609&term_occur=999&term_src=Title:12:Chapter:XII:Subchapter:E:Part:1282:Subpart:A:1282.1) having origins in any of the original peoples of Hawaii, Guam, Samoa, or other Pacific Islands. ### Low-Income Census Tracts, Minority Census Tracts and Designated Disaster Areas Data\n\nThe Federal Housing Enterprises Financial Safety and Soundness Act of 1992 (Safety and Soundness Act) provides for the establishment of single-family and multifamily goals each year, including a single-family purchase money mortgage goal for families residing in low-income areas. The Safety and Soundness Act defines \"low-income area\" for the single-family low-income areas home purchase goal as:\n\n- Census tracts or block numbering areas in which the median income does not exceed 80 percent of area median income (AMI).\nIn addition, for the purposes of this goal, \"families residing in low-income areas\" also include:\n\n- Families with income not greater than 100 percent of AMI who reside in minority census tracts.\n- Families with income not greater than 100 percent of AMI who reside in designated disaster areas.\n​A \"minority census tract\" is a census tract that has a minority population of at least 30 percent and a median income of less than 100 percent of the AMI. A \"low-income census tract\" is census tract in which the median income does not exceed 80 percent of the AMI. Designated disaster areas are identified by FHFA based on the three most recent years' declarations by the Federal Emergency Management Agency (FEMA), where individual assistance payments were authorized by FEMA.\n"}
diff --git a/chunks/json/42fc89e91631d1f1abb23691e66ec18ba01cdd78e581693b723564adc1113895.json b/chunks/json/42fc89e91631d1f1abb23691e66ec18ba01cdd78e581693b723564adc1113895.json
new file mode 100644
index 0000000000000000000000000000000000000000..7dbca963f8981b346fc0aaf82485d3b96b505bbc
--- /dev/null
+++ b/chunks/json/42fc89e91631d1f1abb23691e66ec18ba01cdd78e581693b723564adc1113895.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":30718,"char_start":29027,"chunk_id":"chk_eacb01439a3e3ba1","chunk_index":17,"chunk_sha256":"42fc89e91631d1f1abb23691e66ec18ba01cdd78e581693b723564adc1113895","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_30543138a1c3e2a6","text_sha256":"42fc89e91631d1f1abb23691e66ec18ba01cdd78e581693b723564adc1113895","token_estimate":423,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/frequently-asked-questions-du-spec.pdf"]},"text":"As the property has no rental income, the Net Rental Income will be -$2210.48 as shown below in the\nOWNED_PROPERTY container:\n\n29\n\nThe inclusion of the Net Rental Income places an amount in the Subject Negative Cash Flow in\nthe DU Findings. This will increase the Total Expense Payment, which will ensure the correct\nDTI ratio of 15.59%. Below is an example of the DU Findings when Net Rental Income is\nincluded and is not provided separately in DU submission. The $2,000 Total Expense Payment on\nthe left (which is included in the $4,210.48 on the right) is the total rent the borrowers are paying\nfor their primary residence. Each borrower is paying $1,000 rent on their current residence as\nshown in the XML below.\n\n30\n\n24. I am entering a loan with a non-occupant co-borrower and the housing ratio calculation is\n\ninaccurate. Why is this happening and how do I fix it?\n\nThe borrower and non-occupant borrower (NOB) both need to have individual credit for the NOB’s\nhousing expense to be considered in the housing-to-income (HTI) calculation (which is used in the risk\nassessment). When the borrowers are presented as borrower and co-borrower (joint credit), DU assumes\nthat both borrowers share a housing expense. Therefore, the NOB’s housing expense will not be used in\nthe HTI calculation.\n\nNOTE: For more information please refer to the DU Job Aid section on non-occupant borrowers.\n\n25. How do Community Seconds Repayment plans impact DU?\n\nIf the Community Seconds loan has deferred repayment for five years or more:\n\n• The DU risk assessment is based on LTV, rather than the CLTV.\n• The monthly payment for the Community Seconds loan does not need to be included in the borrower’s\n"}
diff --git a/chunks/json/431c18060898871f4166a35218d8b2823574475ad6a3b3b4b16e725d77acfaca.json b/chunks/json/431c18060898871f4166a35218d8b2823574475ad6a3b3b4b16e725d77acfaca.json
new file mode 100644
index 0000000000000000000000000000000000000000..7e280cfb0bcdd06fc47866386246ea1d5ebb61ce
--- /dev/null
+++ b/chunks/json/431c18060898871f4166a35218d8b2823574475ad6a3b3b4b16e725d77acfaca.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":5330,"char_start":3725,"chunk_id":"chk_bc738ac072fee74f","chunk_index":2,"chunk_sha256":"431c18060898871f4166a35218d8b2823574475ad6a3b3b4b16e725d77acfaca","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bf77b94d152cdbdc","text_sha256":"431c18060898871f4166a35218d8b2823574475ad6a3b3b4b16e725d77acfaca","token_estimate":401,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2019.pdf"]},"text":"Numeric 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\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 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/4323bd0c791f41cb544af3ebb9a24be76bd342d9fd82c193e5d21b0cbc7e3ba3.json b/chunks/json/4323bd0c791f41cb544af3ebb9a24be76bd342d9fd82c193e5d21b0cbc7e3ba3.json
new file mode 100644
index 0000000000000000000000000000000000000000..f3e11e79761051da449be1357dd8658263da8d5a
--- /dev/null
+++ b/chunks/json/4323bd0c791f41cb544af3ebb9a24be76bd342d9fd82c193e5d21b0cbc7e3ba3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":107663,"char_start":106047,"chunk_id":"chk_ca13d337c24f912c","chunk_index":61,"chunk_sha256":"4323bd0c791f41cb544af3ebb9a24be76bd342d9fd82c193e5d21b0cbc7e3ba3","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"4323bd0c791f41cb544af3ebb9a24be76bd342d9fd82c193e5d21b0cbc7e3ba3","token_estimate":404,"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\nAllowable\nAnswers / Format\n\nASC Identifier\n\nIf applicable\n\nFree-form\n\nDefinition / Additional Guidance\n\nA unique identifier for the individual appraiser or supervisory appraiser as\nassigned by the Appraisal Subcommittee (ASC).\nNote: If ASC Identifier is not populated for a contact, it does not display.\n\nIf applicable for\nappraiser and\nsupervisory appraiser\non VA appraisals\n\nIf applicable for\nappraiser and\nsupervisory appraiser\non FHA appraisals\n\nFree-form\n\nA unique identifier for the individual appraiser as assigned by the United States\nDepartment of Veterans Affairs. Only one identifier per individual.\n\nReference the appropriate government agency appraisal guidelines for more\ninformation.\n\nFree-form\n\nA unique identifier for the individual appraiser as assigned by the United States\nFederal Housing Administration.\n\nReference the appropriate government agency appraisal guidelines for more\ninformation.\n\nReport\nField ID\n\n2.028\n2.043\n\n2.029\n2.044\n\nVA Appraiser ID\n\nFHA Appraiser ID\n\n2.030\n2.045\n\nAppendix F-1: URAR Reference Guide\n\nPage 41 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n02 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\n2.031\n2.046\n\nEmployment\nType\n\nRequired for appraiser\nand supervisory\nappraiser on VA\nappraisals\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"}
diff --git a/chunks/json/4326b6ffd952d089659a58d9b95d09801a5af2920783b8d6c1e26c393224ab01.json b/chunks/json/4326b6ffd952d089659a58d9b95d09801a5af2920783b8d6c1e26c393224ab01.json
new file mode 100644
index 0000000000000000000000000000000000000000..591e13084bd7f5a4101d567efb5d1ecade9c8de1
--- /dev/null
+++ b/chunks/json/4326b6ffd952d089659a58d9b95d09801a5af2920783b8d6c1e26c393224ab01.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":281265,"char_start":279654,"chunk_id":"chk_aad362c75136ba93","chunk_index":156,"chunk_sha256":"4326b6ffd952d089659a58d9b95d09801a5af2920783b8d6c1e26c393224ab01","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"4326b6ffd952d089659a58d9b95d09801a5af2920783b8d6c1e26c393224ab01","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":"Fannie Mae conducts different levels of due diligence for quality control purposes and may refer unacceptable appraisal reports\nto state appraiser licensing or regulatory boards for investigation.\n\nFannie Mae’s objectives in referring appraisal reports to state appraiser licensing or regulatory boards are\n\n•\n•\n•\n\n•\n\n•\n\nto emphasize continuing efforts to maintain the quality of appraisals,\nto protect Fannie Mae’s interest,\nto improve the quality of mortgages delivered to Fannie Mae by identifying appraisers that have performed appraisals of\na sufficiently poor quality as to impair the security interests,\nto help the industry enhance the quality of appraisals by identifying and referring appraisals that are not adequately\nsupported or credible, and\nto help enforce professional standards.\n\nNote: Fannie Mae’s decision to make such referrals does not affect the lender’s responsibility for managing the property valuation\nand appraisal review process.\n\nRefusal to Accept Appraisals from Specific Appraisers\n\nFannie Mae may refuse to accept appraisals prepared by specific appraisers, or Fannie Mae may notify a lender that appraisals\nprepared by a given appraiser are no longer accepted. When a lender is notified that appraisals from specific appraisers are no\nlonger accepted, the lender is prohibited from delivering mortgages to Fannie Mae secured by properties appraised by that\nindividual immediately following its receipt of Fannie Mae’s notice.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 107 of 166\n\nUAD 3.6 Policy\n\nSB4-1.4-01, Factory-Built Housing: Manufactured Housing (12/10/2025)\n"}
diff --git a/chunks/json/4ba4482090649d08f0652ae851b7cfa299cb10b104bcadd83ceec25a804ecb81.json b/chunks/json/4ba4482090649d08f0652ae851b7cfa299cb10b104bcadd83ceec25a804ecb81.json
new file mode 100644
index 0000000000000000000000000000000000000000..4b5435c5b45d2f9f5abe2c1113c051e7f6a7d118
--- /dev/null
+++ b/chunks/json/4ba4482090649d08f0652ae851b7cfa299cb10b104bcadd83ceec25a804ecb81.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":585200,"char_start":0,"chunk_id":"chk_94da04a7c9a6cb3a","chunk_index":0,"chunk_sha256":"4ba4482090649d08f0652ae851b7cfa299cb10b104bcadd83ceec25a804ecb81","date_utc":"2026-01-27T18:13:03+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_d0fcbff738cbc9c9","text_sha256":"4ba4482090649d08f0652ae851b7cfa299cb10b104bcadd83ceec25a804ecb81","token_estimate":1000,"warnings":["source_path=Public_Use_Database___FHFA/links/2024_pudb_mf_nfp/2024_PUDB_MF_NFP/2024_pudb_mf_nfp_fhlmc.csv","exceeds_max_chunk_chars_truncated"]},"text":"enterprise: 2 | record_num_mf_nf: 20000001 | tract_minority_cat: 3 | tract_income_cat: 9 | afford_mf: 1 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 3\nenterprise: 2 | record_num_mf_nf: 20000002 | tract_minority_cat: 3 | tract_income_cat: 2 | afford_mf: 1 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 3\nenterprise: 2 | record_num_mf_nf: 20000003 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 1 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 3\nenterprise: 2 | record_num_mf_nf: 20000004 | tract_minority_cat: 3 | tract_income_cat: 2 | afford_mf: 4 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 5\nenterprise: 2 | record_num_mf_nf: 20000005 | tract_minority_cat: 3 | tract_income_cat: 9 | afford_mf: 4 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 5\nenterprise: 2 | record_num_mf_nf: 20000006 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 8 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 5\nenterprise: 2 | record_num_mf_nf: 20000007 | tract_minority_cat: 3 | tract_income_cat: 3 | afford_mf: 8 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 3\nenterprise: 2 | record_num_mf_nf: 20000008 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 8 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 2 | fed_guarantee_mf_nf: 2 | units_num_cat: 5\nenterprise: 2 | record_num_mf_nf: 20000009 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 8 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 3\nenterprise: 2 | record_num_mf_nf: 20000010 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 8 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 2 | fed_guarantee_mf_nf: 2 | units_num_cat: 5\nenterprise: 2 | record_num_mf_nf: 20000011 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 1 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 5\nenterprise: 2 | record_num_mf_nf: 20000012 | tract_minority_cat: 3 | tract_income_cat: 2 | afford_mf: 3 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 5\nenterprise: 2 | record_num_mf_nf: 20000013 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 3 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 2 | fed_guarantee_mf_nf: 2 | units_num_cat: 5\nenterprise: 2 | record_num_mf_nf: 20000014 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 1 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 5\nenterprise: 2 | record_num_mf_nf: 20000015 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 1 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 3\nenterprise: 2 | record_num_mf_nf: 20000016 | tract_minority_cat: 2 | tract_income_cat: 3 | afford_mf: 8 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 2\nenterprise: 2 | record_num_mf_nf: 20000017 | tract_minority_cat: 3 | tract_income_cat: 9 | afford_mf: 1 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 4\nenterprise: 2 | record_num_mf_nf: 20000018 | tract_minority_cat: 3 | tract_income_cat: 2 | afford_mf: 8 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 3\nenterprise: 2 | record_num_mf_nf: 20000019 | tract_minority_cat: 2 | tract_income_cat: 3 | afford_mf: 8 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 2 | fed_guarantee_mf_nf: 2 | units_num_cat: 4\nenterprise: 2 | record_num_mf\n"}
diff --git a/chunks/json/4bb24c2dbc421dd86d3bf2aa33378c911c084a8e59bc84bb31c38e64a456b7e7.json b/chunks/json/4bb24c2dbc421dd86d3bf2aa33378c911c084a8e59bc84bb31c38e64a456b7e7.json
new file mode 100644
index 0000000000000000000000000000000000000000..059de94e8034c356e5c863534c98ea83f1e9c196
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+++ b/chunks/json/4bb24c2dbc421dd86d3bf2aa33378c911c084a8e59bc84bb31c38e64a456b7e7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":253491,"char_start":251864,"chunk_id":"chk_3d15a93e3c1f746b","chunk_index":144,"chunk_sha256":"4bb24c2dbc421dd86d3bf2aa33378c911c084a8e59bc84bb31c38e64a456b7e7","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"4bb24c2dbc421dd86d3bf2aa33378c911c084a8e59bc84bb31c38e64a456b7e7","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"4.0\n\nCan this amount increase after closing?\n\n4.3 Monthly Principal & Interest\n\n4.5.2 NO\n\n4.5.3\n\nINTEREST RATE INCREASE\n\n8.\nUCD v2.0 Implementation Guide\n\n- 112 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nThe GSEs purchase ARMs and loans with temporary buydown subsidies with terms reflected on the note. When a loan\n\nhas either of these features the value of InterestRateIncreaseIndicator is “true”.\n\nLoan Terms\n\n4.2 Interest Rate\n\nFigure 84. Rendering InterestRateIncreaseIndicator on the CD.\n\n4.0\n\nCan this amount increase after closing?\n\n4.2.2 YES\n\n4.2.3\n\n9. LOAN AMOUNT INCREASE\n\nThe GSEs do not purchase loans with negative amortization, so the values for LoanAmountIncreaseIndicator should always\n\nbe “false”. (See Figure 86).\n\nFigure 85. Rendering LoanAmountIncreaseIndicator on the CD.\n\nLoan Terms\n4.1 Loan Amount\n\n4.0\n\nCan this amount increase after closing?\n\n4.1.2 NO\n\n4.1.3\n\n10. MORTGAGE INSURANCE\n\nThis indicator is not rendered on the form, but when true, signals that additional MI data must be included in the XML\n\nfile. The additional detail is found in the MI_DATA structure (see Table 59).\n\n11. NEGATIVE AMORTIZATION\n\nThe GSEs do not purchase loans with terms that allow the initial loan amount to increase because payments can be made\nthat do not cover the interest on the loan. Therefore, the value for NegativeAmortizationIndicator should always be “false”.\n\nFigure 86. Rendering NegativeAmortizationIndicator on the CD.\n\nLoan Disclosures\n\n17.0\n\n17.4 Negative Amortization (Increase in Loan Amount)\n\nUnder your loan terms, you\n\n do not have a negative amortization feature.\n"}
diff --git a/chunks/json/4bb838ab02d8afe129f8ba737a83ad978c27d3bfa84a20a403d3af3bfc5d25b5.json b/chunks/json/4bb838ab02d8afe129f8ba737a83ad978c27d3bfa84a20a403d3af3bfc5d25b5.json
new file mode 100644
index 0000000000000000000000000000000000000000..8345ba40c64d6fdcaa2a7e0a175f72b6bc72532b
--- /dev/null
+++ b/chunks/json/4bb838ab02d8afe129f8ba737a83ad978c27d3bfa84a20a403d3af3bfc5d25b5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":377691,"char_start":376082,"chunk_id":"chk_bec1874420f0b574","chunk_index":210,"chunk_sha256":"4bb838ab02d8afe129f8ba737a83ad978c27d3bfa84a20a403d3af3bfc5d25b5","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"4bb838ab02d8afe129f8ba737a83ad978c27d3bfa84a20a403d3af3bfc5d25b5","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"The deposit amount value provided in Section L should equal the amount provided for 10.5 Deposit in the\nCalculating Cash to Close table.\n\nSummaries of Transactions\n\nBORROWER’S TRANSACTION\n\n12.0 L. Paid Already by or on Behalf of Borrower at Closing 12.0.1\n\n$227,015.00\n\n0112.1 Deposit\n0212.2 Loan Amount\n\n12.1.1\n12.2.1\n\n$10,000.00\n$211,000.00\n\nFigure 98. Deposit\n\nTable 114. Deposit\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\n12.1.1 Deposit ($)\n\n…/CLOSING_COST_F\nUND\n\nClosingCostFundAmo\nunt\n\n10000.00\n\nROF as “$10,000.00”\n\n12.1 Deposit\n\n12.1 N/A - XML\n\n12. 2 LOAN AMOUNT\n\nFundsType\n\nIntegratedDisclosure\nSectionType\n\nDepositOnSalesContr\nact\n\nPaidAlreadyByOrOnB\nehalfOfBorrowerAtCl\nosing\n\nROF as “Deposit”\n\nNot Shown\n\nA new loan is presented on the form as illustrated in the following figure.\n\nSummaries of Transactions\n\nBORROWER’S TRANSACTION\n\n12.0 L. Paid Already by or on Behalf of Borrower at Closing\n\n0212.2 Loan Amount\n\n0312.3 Existing Loan(s) Assumed or Taken Subject to\n\n$227,015.00\n\n$211,000.00\n\n12.0.1\n\n12.2.1\n\n12.3.1\n\nFigure 99. Section L - Loan Amount\n\nThe data points used to provide this information are shown in the table below. NoteAmount is also used to\nprovide 4.1 | 4.1.1 Note Amount in the Loan Terms table but is provided in the XML file only once.\n\nAppendix E: UCD Implementation Guide\n\nPage 173 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\nID\n\nForm Field Name MISMO v3.3.0 Context\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nTable 115. Loan Amount\n"}
diff --git a/chunks/json/4bb85a398327865c097fb08918afa009f991978c51b7e7253080142de8ecab44.json b/chunks/json/4bb85a398327865c097fb08918afa009f991978c51b7e7253080142de8ecab44.json
new file mode 100644
index 0000000000000000000000000000000000000000..63d745a2f71dab987cbfcceb79329dd81eb73929
--- /dev/null
+++ b/chunks/json/4bb85a398327865c097fb08918afa009f991978c51b7e7253080142de8ecab44.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":565236,"char_start":563638,"chunk_id":"chk_0d96265bd357d075","chunk_index":333,"chunk_sha256":"4bb85a398327865c097fb08918afa009f991978c51b7e7253080142de8ecab44","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"4bb85a398327865c097fb08918afa009f991978c51b7e7253080142de8ecab44","token_estimate":400,"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']/SALE_PRICE_AD\nJUSTMENT[@_Type='RecreationFacilities']/@_Description\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='FloorLocation']/@_Description\n\n20\n\n20\n\n20\n\n347\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='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\nString\n\nThis field should indicate the common elements in the subject project.\n\nString\n\nThis field should indicate the recreational facilities in the subject project.\n\nString\n\nThis field should indicate the floor on which the unit is located.\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\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 must be\nrepresented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nCR\n\nCR\n"}
diff --git a/chunks/json/4bbd2e28c7cbe4d5fefa48e14381d82c926ad1182e16e2bcf3478d6ef1cd48c2.json b/chunks/json/4bbd2e28c7cbe4d5fefa48e14381d82c926ad1182e16e2bcf3478d6ef1cd48c2.json
new file mode 100644
index 0000000000000000000000000000000000000000..99562f10e9c3e8b56dab2452cc963db2262d3aeb
--- /dev/null
+++ b/chunks/json/4bbd2e28c7cbe4d5fefa48e14381d82c926ad1182e16e2bcf3478d6ef1cd48c2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":18632,"char_start":17033,"chunk_id":"chk_0988e986333d51b1","chunk_index":12,"chunk_sha256":"4bbd2e28c7cbe4d5fefa48e14381d82c926ad1182e16e2bcf3478d6ef1cd48c2","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6fb273234d375c90","text_sha256":"4bbd2e28c7cbe4d5fefa48e14381d82c926ad1182e16e2bcf3478d6ef1cd48c2","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-numbered-closing-disclosure.pdf"]},"text":"19.1 NO\n\nAdjustable Payment (AP) Table 19.0\nInterest Only Payments?\nOptional Payments?\nStep Payments?\nSeasonal Payments?\nPeriod Principal and Interest Payments\nFirst Change/Amount\nSubsequent Changes\nMaximum Payment\n\n19.4 NO\n\nAdjustable Interest Rate (AIR) Table 20.0\nIndex + Margin\nInitial Interest Rate\nMinimum/Maximum Interest Rate\nChange Frequency\n First Change\n Subsequent Changes\nLimits on Interest Rate Changes\n First Change\n Subsequent Changes\n\n20.6 %\n20.7 %\n\n20.1.1 Index Name + 20.1.2 %\n20.2 %\n20.3.1 % Min / 20.3.2 % Max\n\n20.4 n Month after Note Date\n20.5 n Month after First Change\n\nCLOSING DISCLOSURE\n\nPAGE 4 OF 5 ▪ LOAN ID #\n\nUniform Closing Dataset v2.0\n\nNumbered Model Disclosure\n\nLoan Calculations\n\n21.0\n\nTotal of Payments. Total you will have paid after\nyou make all payments of principal, interest,\nmortgage insurance, and loan costs, as scheduled.\n\nFinance Charge. The dollar amount the loan will\ncost you.\n\nAmount Financed. The loan amount available\nafter paying your upfront finance charge.\n\nAnnual Percentage Rate (APR). Your costs over\nthe loan term expressed as a rate. This is not your\ninterest rate.\n\nTotal Interest Percentage (TIP). The total\namount of interest that you will pay over the loan\nterm as a percentage of your loan amount.\n\n21.1\n\n21.2\n\n21.3\n\n21.4\n\n21.5\n\n$\n\n$\n\n$\n\n%\n\n%\n\n?\n\nQuestions? If you have questions about the loan\nterms or costs on this form, use the contact\ninformation below. To get more information\nor make a complaint, contact the Consumer\nFinancial Protection Bureau at\nwww.consumerfinance.gov/mortgage-closing\n\nOther Disclosures\n Appraisal\n\n22.0\n"}
diff --git a/chunks/json/4bccf80d1bde353e52bf80e45bbf5e18a9f5d4fd4f78c2467da2969d87ed9ed7.json b/chunks/json/4bccf80d1bde353e52bf80e45bbf5e18a9f5d4fd4f78c2467da2969d87ed9ed7.json
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index 0000000000000000000000000000000000000000..e3d6136c0b7b9e500cb8abd08f374bb8446870b3
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+++ b/chunks/json/4bccf80d1bde353e52bf80e45bbf5e18a9f5d4fd4f78c2467da2969d87ed9ed7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":540026,"char_start":538429,"chunk_id":"chk_4186120226c9ab9f","chunk_index":311,"chunk_sha256":"4bccf80d1bde353e52bf80e45bbf5e18a9f5d4fd4f78c2467da2969d87ed9ed7","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"4bccf80d1bde353e52bf80e45bbf5e18a9f5d4fd4f78c2467da2969d87ed9ed7","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Finished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\n3,304 Sq. Ft.\n0 Sq. Ft.\n640 Sq. Ft.\n616 Sq. Ft.\nAssessor Record\nMLS\nPhysical Measurement\n\nBelow Grade Finish Compared\nto Above\n\nSimilar\n\nADU\n\nYes No\n \n\nLevels in Unit\nFloor Number\nOccupancy\nUtilities Separately Metered\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n3\n1st Floor\nVacant\nNo\n5\n3\n1\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 7 of 22\n\nUnit Interior - Primary Dwelling (continued)\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\nLevel 1\n\nAbove Grade\n\nFinish\nFinished\n\nUnfinished\n\nFinished\n\nArea\n640 Sq. Ft.\n\n616 Sq. Ft.\n\n1,960 Sq. Ft.\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\nKitchen and Bathroom Details\n\nRoom Summary\n1 - Family Room\n\n1 - Bath - Full\n1 - Bath - Half\n1 - Bedroom\n1 - Dining Room\n1 - Family Room\n1 - Kitchen\n1 - Living Room\n\n2 - Bath - Full\n4 - Bedroom\n\nRoom\nKitchen\nLevel 1\n\nBath - Full\nLevel 1\n\nBath - Full\nLevel 2\n\nBath - Full\nLevel 2\n\nBath - Half\nLevel 1\n\nUpdate Status\nPartially Updated\n\nTime Frame\n1-5 years\n\nQuality Comment\nUpgraded counters\n\nCondition Status\nNew or Like New\n"}
diff --git a/chunks/json/4bd0f553116eecada6d25b40dc3beb546689e3d1a53d082f5ad40170cb454896.json b/chunks/json/4bd0f553116eecada6d25b40dc3beb546689e3d1a53d082f5ad40170cb454896.json
new file mode 100644
index 0000000000000000000000000000000000000000..be45178e9cf07f142037cd7e588fdb9d551aeecf
--- /dev/null
+++ b/chunks/json/4bd0f553116eecada6d25b40dc3beb546689e3d1a53d082f5ad40170cb454896.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":31431,"char_start":29760,"chunk_id":"chk_ea07c1aae88986ca","chunk_index":18,"chunk_sha256":"4bd0f553116eecada6d25b40dc3beb546689e3d1a53d082f5ad40170cb454896","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e27a00af35fdbad9","text_sha256":"4bd0f553116eecada6d25b40dc3beb546689e3d1a53d082f5ad40170cb454896","token_estimate":418,"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 18 of 22\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\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$880,000\n\nIncome Approach\n\nCost Approach\n\nInsufficient Data\n\nNot applicable for attached\nproperties as prospective purchasers\ndo not consider individual\nconstruction as a method when\npurchasing this type of property.\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 19 of 22\n\nReconciliation (continued)\n\nAppraisal Summary\n\nContract Price\nOpinion of Market Value\nMarket Value Condition\n\n$866,000\n$880,000\nSubject to Inspection\n Subject to Repair\n\nReasonable Exposure Time\nEffective Date of Appraisal\n\n30-90 days\n08/07/2019\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.\n"}
diff --git a/chunks/json/4bd1a33338cdd42f256980102160e3ea208228e23f0382123b251120de2a3e23.json b/chunks/json/4bd1a33338cdd42f256980102160e3ea208228e23f0382123b251120de2a3e23.json
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index 0000000000000000000000000000000000000000..8ded5f947d8a7ba6ae322844d2b01b5ebad2677c
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+++ b/chunks/json/4bd1a33338cdd42f256980102160e3ea208228e23f0382123b251120de2a3e23.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15086,"char_start":14476,"chunk_id":"chk_c607e25b5cc749f5","chunk_index":21,"chunk_sha256":"4bd1a33338cdd42f256980102160e3ea208228e23f0382123b251120de2a3e23","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"4bd1a33338cdd42f256980102160e3ea208228e23f0382123b251120de2a3e23","token_estimate":483,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Contact Information (H1) .................................................................................................................................... 35\n\nAssignment Information and Scope of Work Commentary (H1) ........................................................................ 36\n\nAssignment Information Exhibits (H1) ................................................................................................................ 36\n\nSubject Property ............................................................................................................................................ 36\n"}
diff --git a/chunks/json/4beec1d4bdfb8b975e00a9286a82b44627d66aa21e124b46b57d38242115141f.json b/chunks/json/4beec1d4bdfb8b975e00a9286a82b44627d66aa21e124b46b57d38242115141f.json
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index 0000000000000000000000000000000000000000..31383ec4e78391baed2fa2bd16b5cd47b42d0386
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+++ b/chunks/json/4beec1d4bdfb8b975e00a9286a82b44627d66aa21e124b46b57d38242115141f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15556,"char_start":13807,"chunk_id":"chk_4110f3a891a25878","chunk_index":8,"chunk_sha256":"4beec1d4bdfb8b975e00a9286a82b44627d66aa21e124b46b57d38242115141f","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7609e8234ff6311f","text_sha256":"4beec1d4bdfb8b975e00a9286a82b44627d66aa21e124b46b57d38242115141f","token_estimate":531,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Speeches___FHFA_s62p86.md"]},"text":"​ Remarks as Prepared for Delivery Dr. Mark A. Calabria Director, Federal Housing Finance Agency FINANCIAL STABILITY OVERSIGHT COUNCIL PRINCIPALS MEETING THURSDAY, MARCH 26, 2020 Thank you, Mr. Chairman. At the start of 2020, strong labor markets and house price appreciation created a solid...\n - Speech\n\nFebruary 27, 2020\n\n## [Prepared Remarks of Dr. Mark A. Calabria, Director of FHFA, at Credit Union National Association (CUNA) Government Affairs Conference](/news/speech/prepared-remarks-of-dr.-mark-a.-calabria-director-of-fhfa-at-credit-union-national-association-cuna)\n\nRemarks As Prepared for Delivery Dr. Mark A. Calabria, Director Federal Housing Finance Agency CREDIT UNION NATIONAL ASSOCIATION (CUNA) GOVERNMENT AFFAIRS CONFERENCE MONDAY, FEBRUARY 24, 2020 - WASHINGTON, D.C. \"STRENGTHENING OUR HOUSING FINANCE SYSTEM TO SUPPORT AMERICA'S COMMUNITY LENDERS\" Thank...\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 - [Next](?page=1)\n - [Last](?page=5)\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/4bf02a014c28059dd294b28e051617d226c6fda65cc3e37e6648aca7e38ff616.json b/chunks/json/4bf02a014c28059dd294b28e051617d226c6fda65cc3e37e6648aca7e38ff616.json
new file mode 100644
index 0000000000000000000000000000000000000000..da7c9824e910f424066ac13f78892c6e0a28898f
--- /dev/null
+++ b/chunks/json/4bf02a014c28059dd294b28e051617d226c6fda65cc3e37e6648aca7e38ff616.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":71428,"char_start":69462,"chunk_id":"chk_928de581fac7b01b","chunk_index":41,"chunk_sha256":"4bf02a014c28059dd294b28e051617d226c6fda65cc3e37e6648aca7e38ff616","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"4bf02a014c28059dd294b28e051617d226c6fda65cc3e37e6648aca7e38ff616","token_estimate":492,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\nN\n\nB\n\nA\n\nNeutral\n\nBeneficial\n\nAdverse\n\nThe appraiser must also select at least one,\nbut not more than two, location factor(s) from\nthe list below. If two factors are entered,\nseparate them with a semicolon. The\nabbreviation for the factor must be entered,\nwith the exception of ‘Other’.\n\nRes\n\nInd\n\nComm\n\nBsyRd\n\nWtrFr\n\nGlfCse\n\nAdjPrk\n\nAdjPwr\n\nLndfl\n\nPubTrn\n\nSee\nInstructions\nBelow\n\nResidential\n\nIndustrial\n\nCommercial\n\nBusy Road\n\nWaterfront\n\nGolf Course\n\nAdjacent to\nPark\n\nAdjacent to\nPower Lines\n\nLandfill\n\nPublic\nTransportation\n\nOther –\nAppraiser to\nenter a\ndescription of\nthe location *\n\n*Other: If a location factor not on this list\nmaterially affects the value of the property, the\nappraiser must enter a description of the\nlocation associated with the property. The\ndescription entered must allow a reader of the\nappraisal report to understand the location\nfactor(s) that is associated with the property.\nDescriptors such as ‘None’, ‘N/A’, ‘Typical’,\n‘Average’, etc., are unacceptable. The text\nmust fit in the allowable space.\n\nPage 40 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\nA list of acceptable abbreviations and\ndefinitions is also provided at the end of this\ndocument in Exhibit 3: Requirements –\nAbbreviations.\nNote, the UAD does not limit the number of\ndifferent location factors associated with a\nproperty that may be reported within the\nappraisal report. If there are more than two\nlocation factors, an appraiser may choose\n“other” and then enter a text description of the\nmultiple location factors. Any additional\ninformation that does not fit in the allowable\nspace may be reported elsewhere in the\nappraisal report.\n"}
diff --git a/chunks/json/4c0d842453d1d6380cacbb9e53b48fad1cb6b3aca005620b1120959ed010b0b2.json b/chunks/json/4c0d842453d1d6380cacbb9e53b48fad1cb6b3aca005620b1120959ed010b0b2.json
new file mode 100644
index 0000000000000000000000000000000000000000..4738c1bdc06a393f897056387f4830faa8a78519
--- /dev/null
+++ b/chunks/json/4c0d842453d1d6380cacbb9e53b48fad1cb6b3aca005620b1120959ed010b0b2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":23290,"char_start":22805,"chunk_id":"chk_a1ff24719d0d3d97","chunk_index":29,"chunk_sha256":"4c0d842453d1d6380cacbb9e53b48fad1cb6b3aca005620b1120959ed010b0b2","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"4c0d842453d1d6380cacbb9e53b48fad1cb6b3aca005620b1120959ed010b0b2","token_estimate":434,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Overview .................................................................................................................................................................................................................................................. 68\n\nData Mapping and PDF Rendering Information ....................................................................................................................................................................................... 69\n"}
diff --git a/chunks/json/4c1016c905764ac78660894bd07a5f3d085453c666ea49f8aff562a1a7aa0151.json b/chunks/json/4c1016c905764ac78660894bd07a5f3d085453c666ea49f8aff562a1a7aa0151.json
new file mode 100644
index 0000000000000000000000000000000000000000..246aaefaf0dd870abcc59fe886296600da8bf1f0
--- /dev/null
+++ b/chunks/json/4c1016c905764ac78660894bd07a5f3d085453c666ea49f8aff562a1a7aa0151.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8574,"char_start":7065,"chunk_id":"chk_7bbd5aea32c560fa","chunk_index":4,"chunk_sha256":"4c1016c905764ac78660894bd07a5f3d085453c666ea49f8aff562a1a7aa0151","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_de834710100b36b4","text_sha256":"4c1016c905764ac78660894bd07a5f3d085453c666ea49f8aff562a1a7aa0151","token_estimate":411,"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":"[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![Couple signing documents](/sites/default/files/styles/desktop_hero/public/2025-10/mortgage-signing-hero-banner.jpg.webp?itok=5QjQTLuz)\n\n# National Survey of Mortgage Originations (NSMO) Public Use File\n\n## Breadcrumb\n\n- [Home](/)\n - [FHFA Data](/data)\n - National Survey of Mortgage Originations (NSMO) Public Use File\n"}
diff --git a/chunks/json/4c1c814231e371b2cf4359b2c05d3491aeb0145633609192b93785ec939481d8.json b/chunks/json/4c1c814231e371b2cf4359b2c05d3491aeb0145633609192b93785ec939481d8.json
new file mode 100644
index 0000000000000000000000000000000000000000..de7f2064c7fac7f15877f5dfa756feae96036ce2
--- /dev/null
+++ b/chunks/json/4c1c814231e371b2cf4359b2c05d3491aeb0145633609192b93785ec939481d8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1128647,"char_start":1126920,"chunk_id":"chk_3d929a059cd3d1d2","chunk_index":670,"chunk_sha256":"4c1c814231e371b2cf4359b2c05d3491aeb0145633609192b93785ec939481d8","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"4c1c814231e371b2cf4359b2c05d3491aeb0145633609192b93785ec939481d8","token_estimate":432,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"12\n\nMoney\n\nPDF Display Format:\nIn dollars, to two decimal places.\n\nThis field should be populated if field 2-13\n(Property Sales Amount) is populated.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA\nRISON_LOCATION_OVERALL_RATING_EXTENSION/COMPARISO\nN_LOCATION_OVERALL_RATING_EXTENSION_SECTION[@Extens\nionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_LOCATION_OVERALL_RATING_EXTEN\nSION_SECTION_DATA/COMPARISON_LOCATION_OVERALL_RAT\nING/@GSEOverallLocationRatingType\n\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\n10\n\nEnumerated\n\nAllowable Values PDF Display\nNeutral N\nBeneficial B\nAdverse A\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\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA\nRISON_LOCATION_DETAIL_EXTENSION/COMPARISON_LOCATIO\nN_DETAIL_EXTENSION_SECTION[@ExtensionSectionOrganizationNa\nme='UNIFORM APPRAISAL\nDATASET']/COMPARISON_LOCATION_DETAIL_EXTENSION_SECT\nION_DATA/COMPARISON_LOCATION_DETAIL[@_SequenceIdentifier\n='1..2']/@GSELocationType\n\n20\n\nEnumerated\n\nAllowable Values PDF Display\nResidential Res\nIndustrial Ind\nCommercial Comm\nBusyRoad BsyRd\nWaterFront WtrFr\nGolfCourse GlfCse\nAdjacentToPark AdjPrk\nAdjacentToPowerLines AdjPwr\nLandfill Lndfl\nPublicTransportation PubTrn\nOther *\n"}
diff --git a/chunks/json/4c1cf54a8e26476dfb8a9ae0d8faf6bec4d1a750d0d7635fd9b4eeff8509ab5e.json b/chunks/json/4c1cf54a8e26476dfb8a9ae0d8faf6bec4d1a750d0d7635fd9b4eeff8509ab5e.json
new file mode 100644
index 0000000000000000000000000000000000000000..64d2514bf09ed8dcfef6ec94068e019d63ac6ea4
--- /dev/null
+++ b/chunks/json/4c1cf54a8e26476dfb8a9ae0d8faf6bec4d1a750d0d7635fd9b4eeff8509ab5e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":36715,"char_start":35843,"chunk_id":"chk_0756cbad6df5acb6","chunk_index":38,"chunk_sha256":"4c1cf54a8e26476dfb8a9ae0d8faf6bec4d1a750d0d7635fd9b4eeff8509ab5e","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"4c1cf54a8e26476dfb8a9ae0d8faf6bec4d1a750d0d7635fd9b4eeff8509ab5e","token_estimate":462,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"Location\n(cid:20)(cid:23)(cid:17)(cid:19)(cid:19)(cid:26)\n\nDescription\n(cid:20)(cid:23)(cid:17)(cid:19)(cid:19)(cid:27)\n\nAffects Soundness or\nStructural Integrity\n(cid:20)(cid:23)(cid:17)(cid:19)(cid:19)(cid:28)\n\nRecommended\nAction\n(cid:20)(cid:23)(cid:17)(cid:19)(cid:20)(cid:19)\n\nSubject Property Amenities Commentary(cid:1)\n(cid:20)(cid:23)(cid:17)(cid:19)(cid:20)(cid:20)\nSubject Property Amenities Exhibits\n\n(cid:20)(cid:23)(cid:17)(cid:19)(cid:20)(cid:21)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:20)(cid:23)(cid:17)(cid:19)(cid:20)(cid:21)(cid:17)(cid:21)(cid:3)\n(cid:20)(cid:23)(cid:17)(cid:19)(cid:19)(cid:21)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:20)(cid:23)(cid:17)(cid:19)(cid:19)(cid:21)(cid:17)(cid:21)\n(cid:20)(cid:23)(cid:17)(cid:19)(cid:19)(cid:25)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:20)(cid:23)(cid:17)(cid:19)(cid:19)(cid:25)(cid:17)(cid:21)\n"}
diff --git a/chunks/json/4c5984ed8d8fb801e1e17cd6ed79e2ec084e4bb246bf28d7a3bf8bbdd94a5b4f.json b/chunks/json/4c5984ed8d8fb801e1e17cd6ed79e2ec084e4bb246bf28d7a3bf8bbdd94a5b4f.json
new file mode 100644
index 0000000000000000000000000000000000000000..c9818d11bcdf710b0c273b5aa9910b3dba90ea0c
--- /dev/null
+++ b/chunks/json/4c5984ed8d8fb801e1e17cd6ed79e2ec084e4bb246bf28d7a3bf8bbdd94a5b4f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":960875,"char_start":959209,"chunk_id":"chk_5652a2fa8e1f1b95","chunk_index":572,"chunk_sha256":"4c5984ed8d8fb801e1e17cd6ed79e2ec084e4bb246bf28d7a3bf8bbdd94a5b4f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"4c5984ed8d8fb801e1e17cd6ed79e2ec084e4bb246bf28d7a3bf8bbdd94a5b4f","token_estimate":417,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Indicates whether the total adjustments\nmade to the property sales price during\nthe application of the Sales Comparison\napproach were positive. This field is\nspecific to the appraisal forms.\n\nIndicates whether the total adjustments\nmade to the property sales price during\nthe application of the Sales Comparison\napproach were positive. This field is\nspecific to the appraisal forms.\n\nThe dollar value of the total adjustments\nmade to a comparable property sales price\nduring the application of the Sales\nComparison approach to determine the\nmarket value of the subject property.\n(CALCULATED RESULTS FIELD)\n\nThe percentage of the net sales price\nadjustments to the sales price of a\nproperty during the application of the\nsales comparison approach to property\nvaluation. (CALCULATED RESULTS\nFIELD)\n\nThe percentage of the gross sales price\nadjustments (i.e. sum of the absolute\nadjustment values) to the sales price of a\nproperty during the application of the\nsales comparison approach for property\nvaluation. (CALCULATED RESULTS\nFIELD)\n\nThe sales price of a property after it has\nbeen adjusted during the application of\nthe Sales Comparison approach for\nproperty valuation.\nA free-form text field used to describe or\ncomment on the on the Sales Comparison\napproach in valuating the subject\nproperty\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/OTHER_FEAT\nURE_ADJUSTMENT[@PropertyFeatureSequenceIdentifier='3']/@PropertyFeatu\nreAdjustmentAmount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N' and\n@SalesPriceTotalAdjustmentPositiveIndicator='Y']\n"}
diff --git a/chunks/json/4c5e25278620eecc654b6ee97cd189e2c9e6944683be7344b49c5161eb41038e.json b/chunks/json/4c5e25278620eecc654b6ee97cd189e2c9e6944683be7344b49c5161eb41038e.json
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index 0000000000000000000000000000000000000000..b4e21efa53842566a833ddc6088fd6dd7d45619d
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diff --git a/chunks/json/4c6b6b8dd996b4be8fb8870da8c01c69eed08921dc6177d611dd262886988c8a.json b/chunks/json/4c6b6b8dd996b4be8fb8870da8c01c69eed08921dc6177d611dd262886988c8a.json
new file mode 100644
index 0000000000000000000000000000000000000000..dcb6e452cef6fdceb2f970ea10ddcfaccb081f27
--- /dev/null
+++ b/chunks/json/4c6b6b8dd996b4be8fb8870da8c01c69eed08921dc6177d611dd262886988c8a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1598,"char_start":0,"chunk_id":"chk_4720d5f913e62fad","chunk_index":0,"chunk_sha256":"4c6b6b8dd996b4be8fb8870da8c01c69eed08921dc6177d611dd262886988c8a","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_08a5977044de1314","text_sha256":"4c6b6b8dd996b4be8fb8870da8c01c69eed08921dc6177d611dd262886988c8a","token_estimate":400,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2021.pdf"]},"text":"2021 FHLBank Public Use Database\n\nEffective January 1, 2019\n\nNew Field Name (2019-Present)\n\nYear\nLoanCharacteristicsID\nBank\nFIPSStateNumericCode\nFIPSCountyCode\nCoreBasedStatisticalAreaCode\n\nPrevious Field Name\n(Prior to 2019)\nYear\nAssigned ID\nBank\nFIPSStateCode\nFIPSCountyCode\nMSA\n\nYear\nLoan Characteristics ID\nBank\nFIPS State Numeric Code\nFIPS County Code\nCore Based Statistical Area Code\n\nBusiness Name\n\nDefinition\n\n1\n2\n3\n4\n5\n6\n\n7\n\n8\n\n9\n\nCensusTractIdentifier\n\nTract\n\nCensus Tract Identifier\n\nCensusTractMinorityRatioPercent\n\nMinPer\n\nCensus Tract Minority Ratio Percent\n\nCensusTractMedFamIncomeAmount\n\nTraMedY\n\nCensus Tract Median Family Income Amount\n\n10\n\nLocalAreaMedianIncomeAmount\n\nLocMedY\n\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\n\nBorrowerCount\nBorrowerFirstTimeHomebuyer\n\n25\n\nBorrower1Race1Type\n\nNumBor\nFirst\n\nBoRace\n\nBorrower Count\nBorrower First Time Homebuyer Indicator\n\nBorrower1 Race 1 Type\n"}
diff --git a/chunks/json/4c8326ccb51b4ef756fa9dfed74242ff5c5e0be7b63ddaa333dd82a2b0958329.json b/chunks/json/4c8326ccb51b4ef756fa9dfed74242ff5c5e0be7b63ddaa333dd82a2b0958329.json
new file mode 100644
index 0000000000000000000000000000000000000000..03c879a7da72efbcff0728c78fdd0c21ae4565ba
--- /dev/null
+++ b/chunks/json/4c8326ccb51b4ef756fa9dfed74242ff5c5e0be7b63ddaa333dd82a2b0958329.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":521535,"char_start":519934,"chunk_id":"chk_b3443adeddb9b686","chunk_index":296,"chunk_sha256":"4c8326ccb51b4ef756fa9dfed74242ff5c5e0be7b63ddaa333dd82a2b0958329","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"4c8326ccb51b4ef756fa9dfed74242ff5c5e0be7b63ddaa333dd82a2b0958329","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"INTEGRA TED_DISCLOSURE_ DETAIL (Various Form Field Values)\nINTEGRA TED_DISCLOSURE_SECTION_SUMMARIES (Section and Subsection Values)\n\nAppendix E: UCD Implementation Guide\n\nPage 244 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nV. Consolidated Mapping Guidance\n\nTopic\n\nGuidance\n\nTable 160. Consolidated Mapping Guidance\n\nGEN ERAL USE DATA\n\nIDEN TIFIER\n\nthe Product data from the Closing Disclosure form may not conform to an investor’s product\ndefinitions.\n\n“General Use” structures and data points have been defined by MISMO standards developers\nto support commonly understood industry practice and usage. Unlike Document Specific\ncontainers and structures, they are used broadly and have the same meaning both within and\noutside the context of the Closing Disclosure.\n\nSome data points ending in the term “Identifier” must be paired with an additional data point\nto convey the full meaning. The data point ending in “Identifier” provides the identifier value,\nand the associated data point provides a further description or type. For examples: 3.5 Loan ID\n# is provided using LoanIdentifierType = “LenderLoan” to describe the identifier, and\nLoanIdentifier to provide the loan number. Anywhere an address has a unit number, Address\nUnitDesignatorType is used to describe the unit and AddressUnitIdentifier provides the unit\nnumber.\n\n@ IDEN TIFIER OWNER\nURI\n\nThe attribute @IdentifierOwnerURI identifies the owner or publisher of an identifier by means\nof a URI. This is an XML attribute. For example: AppraisalIdentifier (URI for UCDP), and\nLicenseIdentifier (URI for the entity issuing the license).\n"}
diff --git a/chunks/json/4c87acde4c3cfeaf6c5ffb1d8fa1e694ce4d69b60ae6f8dc1b42dc1fac1f02d3.json b/chunks/json/4c87acde4c3cfeaf6c5ffb1d8fa1e694ce4d69b60ae6f8dc1b42dc1fac1f02d3.json
new file mode 100644
index 0000000000000000000000000000000000000000..656263c182f760062ee58913431011963aa4d451
--- /dev/null
+++ b/chunks/json/4c87acde4c3cfeaf6c5ffb1d8fa1e694ce4d69b60ae6f8dc1b42dc1fac1f02d3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":715452,"char_start":713825,"chunk_id":"chk_97e08c24bf817352","chunk_index":426,"chunk_sha256":"4c87acde4c3cfeaf6c5ffb1d8fa1e694ce4d69b60ae6f8dc1b42dc1fac1f02d3","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"4c87acde4c3cfeaf6c5ffb1d8fa1e694ce4d69b60ae6f8dc1b42dc1fac1f02d3","token_estimate":407,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Note: An image of the worksheet showing support of Cost Approach\ncalculations may be provided, which displays in Cost Approach Exhibits. A\ncaption must be provided to further describe the image.\n\nAppendix F-1: URAR Reference Guide\n\nPage 320 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n25 Cost Approach\n\nCost Approach – General Description\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n25.052 Cost Data Source Required if Cost Data\nSource is Cost Service\n\n25.053 Quality Rating\n\nRequired if Cost Data\nSource is Cost Service\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nCraftsman Cost Guide\n\nCost Service Provider\n•\n• Marshall & Swift\n•\n•\n•\nNote: Allowable answers may be provided that are not in the above list.\n\nNADA\nRSMeans\nXactimate\n\nCost Service Quality Rating\n•\n•\n•\n•\n•\n•\n•\n\nExcellent\nVery Good\nGood\nAverage\nFair\nLow\nOther (Describe) – If Quality Rating from the Cost Service Provider is not in\nthe above list.\n\n25.054 Effective Date\n\nAlways required\n\nmm/dd/yyyy\n\nCost Data Effective Date\n\n25.055 Cost Method\n\nAlways required\n\n25.056 Depreciation\n\nAlways required\n\nMethod\n\nChoose an\nallowable answer\nfrom table (Cost\nMethod)\n\nChoose an\nallowable answer\nfrom table\n(Depreciation\nMethod)\n\nNote: If a Cost Service was cited, provide the date the cost service was last\nupdated. Otherwise, provide the date the appraiser pulled the information.\n\nThe methodology used to derive replacement or reproduction building cost in\nthe Cost Approach section.\n"}
diff --git a/chunks/json/4c8908827d4553eb0cddc2c566b0bc53819471107368a415a9eaf916700c8fef.json b/chunks/json/4c8908827d4553eb0cddc2c566b0bc53819471107368a415a9eaf916700c8fef.json
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index 0000000000000000000000000000000000000000..0a63b72f86c3b7cbf128354e1807b4b38a67a925
--- /dev/null
+++ b/chunks/json/4c8908827d4553eb0cddc2c566b0bc53819471107368a415a9eaf916700c8fef.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7417,"char_start":5285,"chunk_id":"chk_5cd468a4e874d1fc","chunk_index":3,"chunk_sha256":"4c8908827d4553eb0cddc2c566b0bc53819471107368a415a9eaf916700c8fef","date_utc":"2026-01-27T18:02:20+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0049eb0d181cfd85","text_sha256":"4c8908827d4553eb0cddc2c566b0bc53819471107368a415a9eaf916700c8fef","token_estimate":533,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2023-loan-delivery-release-notes-printable-version.pdf"]},"text":"New Edits will be implemented in Loan Delivery to validate that the CPM ID is provided when CPM is used to certify that the\ncondo or the project decisioned by Fannie Mae. They will also validate the CPM Project ID provided in Loan Delivery matches\na valid Project ID in CPM.\n\nSee the LD Edit changes in the Loan Delivery Business Rules for a listing of effective edit updates.\n\nJun 12, 2023\n\nAMI 2023 Updates\n\nThe 2023 AMIs will be implemented in Desktop Underwriter® (DU®), Loan Delivery, and the Area Median Income Lookup Tool\nover the weekend of June 10, 2023, with an effective date of June 12, 2023. See the Selling Notice: Area Median Incomes\n2023 for more information.\n\nJun 26, 2023\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• Edit related to Property Data-CPM changing from informational to warning severity.\n\nJul 1, 2023\n\nMBS Self-Service\nEnhancements\n\nLoan Delivery is making enhancements to the MBS Pool process to allow self-service updates to be made by sellers.\nEffective July 1, Acquisitions Operations will no longer send courtesy emails to notify sellers of pools critical for certification\nand closing the same day and non-standard pool prefix assignments.\n\nJul 1, 2023\n\nSFC 873 Retirement\n\nSFC 873 will be retired on July 1, 2023 since it is no longer used for LLPA waivers. Removal of the SFC will be required to\ncomplete the purchase or securitization. See Lender Letter (LL-2022-05) for more details.\n\nJul 10, 2023\n\nDeleting an MBS Loan\nvs Deleting an MBS\nPool\n\nIn April 2023, we added the ability to delete MBS loans after an MBS Pool is submitted. With the June release, users who\nwish to delete ALL loans in a submitted MBS Pool must first submit a request to delete the MBS Pool. Users who attempt to\ndelete all loans in a submitted MBS pool before submitting a Pool Deletion request will receive the following pop-up\nmessage: The requested action cannot be performed. A Pool Deletion request is required prior to removing all loans from\nthe pool. Refer to the Pool Deletion Job Aid for more details.\n"}
diff --git a/chunks/json/4c8ea6197a63ab7bb194db8fdc037cacf7370b41b1dda99b3e0f4d13bc8712d1.json b/chunks/json/4c8ea6197a63ab7bb194db8fdc037cacf7370b41b1dda99b3e0f4d13bc8712d1.json
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index 0000000000000000000000000000000000000000..cbf8602b649ff8057c75b67801e71f2f316329f5
--- /dev/null
+++ b/chunks/json/4c8ea6197a63ab7bb194db8fdc037cacf7370b41b1dda99b3e0f4d13bc8712d1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":671525,"char_start":669711,"chunk_id":"chk_96b558d9a2a4184e","chunk_index":397,"chunk_sha256":"4c8ea6197a63ab7bb194db8fdc037cacf7370b41b1dda99b3e0f4d13bc8712d1","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"4c8ea6197a63ab7bb194db8fdc037cacf7370b41b1dda99b3e0f4d13bc8712d1","token_estimate":454,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"45\n\nString\n\n510\n\n6\n\n20a\n\nAPPRAISER\nCERTIFICATION\n\nUnit #\n\nUnit Identifier\n\nThe identification of the unit.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/_UNIT/@UnitIdentifier\n\n12\n\nString\n\n511\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\n40\n\nString\n\n512\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\n2\n\nString\n\n513\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\n10\n\nString\n\nPDF Display Format:\nmm/dd/yyyy\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 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\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 1-7, 2-12b, 6-20b) and must\nbe represented consistently.\n"}
diff --git a/chunks/json/4c97d112644d2edd5468bc3e08f4cf8338524028ee3a95da6ae37c01df7d62b5.json b/chunks/json/4c97d112644d2edd5468bc3e08f4cf8338524028ee3a95da6ae37c01df7d62b5.json
new file mode 100644
index 0000000000000000000000000000000000000000..be4ec7d4aab2c21f7b9758fec1e55c89ee4c3506
--- /dev/null
+++ b/chunks/json/4c97d112644d2edd5468bc3e08f4cf8338524028ee3a95da6ae37c01df7d62b5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":224096,"char_start":222317,"chunk_id":"chk_90184ea0398b1c51","chunk_index":211,"chunk_sha256":"4c97d112644d2edd5468bc3e08f4cf8338524028ee3a95da6ae37c01df7d62b5","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"4c97d112644d2edd5468bc3e08f4cf8338524028ee3a95da6ae37c01df7d62b5","token_estimate":445,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"0300.0055\n\nImprovementComponentType\n\nDisplay when ImprovementComponentType = \"Foundation\"…\n\n0300.0044\n\nFoundationMaterialType\n\n0300.0046\n\nFoundationType\n\n8.029\n\nDetail\n\n0300.0080\n\nAccessibleForObservationIndicator\n\n0300.0081\n\nVisualObservationCompletedIndicator\n\n− Display all Foundation Material(s) and Type(s) in the same cell separated by “|”\n\n− Display all Foundation Material(s) and Type(s) in the same cell separated by “|”\n\n… AND FoundationType = \"Crawlspace\" AND (GovernmentAgencyAppraisalType =\n\"FHA\" OR \"USDA\")\n\n− When true, do not display\n− When false, display “Inaccessible”\n… AND (GovernmentAgencyAppraisalType = \"FHA\" OR \"USDA\") AND\nAccessibleForObservationIndicator = “true”\n\n− When true, display “Visual Observation Completed”\n− When false, display \"No Visual Observation Completed\"\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 160\n\nDwelling Exterior: Quality and Condition - Exterior Features\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\n8.030\n\nQuality Comment\n\n0300.0075\n\nImprovementComponentQualityDescription\n\n… AND Exists\n\n8.031\n\nCondition Status\n\n0300.0054\n\nImprovementComponentConditionStatusType\n\nAlways displays\n\n8.032\n\nCondition Comment\n\n0300.0100\n\nImprovementComponentConditionDescription\n\n… AND Exists\n\n8.041\n\nFeature: Roof\n\n0300.0055\n\nImprovementComponentType\n\nDisplay when ImprovementComponentType = \"Roof\" …\n\n0300.0049\n\nRoofObservableIndicator\n\n8.033\n\nDetail\n\n0300.0050\n\nRoofMaterialType\n\n− When true, display RoofMaterialType.\n− When false, display \"(Unobservable)\" in the Detail field.\n\n− Display Roof Material(s) in the same cell separated by “|”\n− Display materials and age in the same cell\no Material(s) are listed first in the cell.\no Age displays on a separate line under materials. (Figure 8 - 3)\n"}
diff --git a/chunks/json/4cb44cec3dd071ba52383a480ae52af22681378cdb9eb781fd4e298d6932cc1a.json b/chunks/json/4cb44cec3dd071ba52383a480ae52af22681378cdb9eb781fd4e298d6932cc1a.json
new file mode 100644
index 0000000000000000000000000000000000000000..0c0b3bf878aedf085e6595ef67e0a75b5b980c5c
--- /dev/null
+++ b/chunks/json/4cb44cec3dd071ba52383a480ae52af22681378cdb9eb781fd4e298d6932cc1a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12345,"char_start":10483,"chunk_id":"chk_8e101671a8a1d9e4","chunk_index":6,"chunk_sha256":"4cb44cec3dd071ba52383a480ae52af22681378cdb9eb781fd4e298d6932cc1a","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2669302acf0b4029","text_sha256":"4cb44cec3dd071ba52383a480ae52af22681378cdb9eb781fd4e298d6932cc1a","token_estimate":466,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Federal_Home_Loan_Bank_System___FHFA_rv5zt.md"]},"text":"Learn more about FHFA’s [Housing Finance Commission Program](/programs/housing-finance-examiner-commission).\n\n## A Risk-based Approach\n\nFHFA examiners carry out a risk-based safety and soundness supervision program that assesses the FHLBanks’ condition and performance, governance, credit risk, market risk, and operational risk. These interdependent assessments provide FHFA with the basis for assigning a composite examination rating. The Division of FHLBank Regulation provides oversight and ensures coordination among all mission-critical examination and monitoring functions. These functions include programs for safety and soundness examinations, Affordable Housing Program (AHP) examinations, examination and supervisory policy and program development, FHLBank analysis, risk modeling, risk monitoring and information management, and risk analysis and research. Each of these programs contributes to a comprehensive assessment of the safety and soundness and the AHP effectiveness of the FHLBanks.\n\nFHFA examiners use a risk-based approach to supervision. Risk-based supervision is designed to\n\n- identify existing and potential risks that could adversely affect a regulated entity,\n- evaluate the overall integrity and effectiveness of each regulated entity’s risk management systems and controls, and\n- determine compliance with laws and regulations applicable to the regulated entity.\n## Communicating and Obtaining Results\n\nExaminers communicate all findings to management and any matters requiring attention to the FHLBank’s board of directors and management. In addition, examiners obtain a commitment from the board and management to correct significant deficiencies in a timely manner and then verify the effectiveness of corrective actions. FHFA’s examination ratings system is known as [**CAMELSO**](/supervision/examiner-resources/camelso)**.**\n"}
diff --git a/chunks/json/4cc62bd930e74d1f2f259819413eb34984fc797941ac6e79e79b978bb55dd547.json b/chunks/json/4cc62bd930e74d1f2f259819413eb34984fc797941ac6e79e79b978bb55dd547.json
new file mode 100644
index 0000000000000000000000000000000000000000..c274d3831d4b637c9bc0e5e2f7f9c4772d4fedc1
--- /dev/null
+++ b/chunks/json/4cc62bd930e74d1f2f259819413eb34984fc797941ac6e79e79b978bb55dd547.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3517,"char_start":1732,"chunk_id":"chk_e24e8a0bb91eca7b","chunk_index":1,"chunk_sha256":"4cc62bd930e74d1f2f259819413eb34984fc797941ac6e79e79b978bb55dd547","date_utc":"2026-01-27T18:02:22+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1d0286217e2db0b8","text_sha256":"4cc62bd930e74d1f2f259819413eb34984fc797941ac6e79e79b978bb55dd547","token_estimate":446,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-spec-v-19-integration-impact-memo-may-28-2024.pdf"]},"text":"To provide the Income Calculator\ngenerated ID for each\nborrower/business combination. There\nmay be more than one Income\nCalculator ID for a DU loan casefile.\n\nNew ArcRoles\n\nTwo new ArcRoles will be established specifically for enabling the ‘Income Calculator’ through the DU validation service. The\nDU:VerificationReportType is ‘IncomeCalculator’, the Income Calculator generated ID should be sent in the\nDU:VerificationReportIdentifier and associated with an instance of a borrower’s employment or a borrower’s owned property\nasset (REO).\n\nOptimized Dataset\n\nA new column has been added to designate the minimum data points required to submit a conventional loan casefile to DU and\nreceive a recommendation. Additional data may be required to be provided once all information is received from the borrower\nand the final terms of the loan are determined.\n\n© 2024 Fannie Mae 05.28.24 1 of 2\n\nRelease Support\n\nThe Income Calculator changes will be implemented in the DU integration environment on or about Q1 2025. Integration partners\nwill be notified via an email from Integration News (integration_news@fanniemae.com) after implementation.\n\nAs required by the Integration Agreement, integrated vendors’ systems must be able to support any changes to Fannie Mae\nservices, including DU, no later than 120 days after the date the related specifications are made available in 2025. If your product\nor interface is unable to support the release in accordance with this timeline, please notify your Fannie Mae representative.\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 DU page or contact your Fannie Mae\nrepresentative.\n"}
diff --git a/chunks/json/4cc77c04be032de0143726d4508ed8c157b9955af04a274e627b3fbcab130fb3.json b/chunks/json/4cc77c04be032de0143726d4508ed8c157b9955af04a274e627b3fbcab130fb3.json
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index 0000000000000000000000000000000000000000..a10341566c570aeca3622027c1e15bc53f935936
--- /dev/null
+++ b/chunks/json/4cc77c04be032de0143726d4508ed8c157b9955af04a274e627b3fbcab130fb3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6905,"char_start":5292,"chunk_id":"chk_75fce02d32b266a5","chunk_index":3,"chunk_sha256":"4cc77c04be032de0143726d4508ed8c157b9955af04a274e627b3fbcab130fb3","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_633afc816823b043","text_sha256":"4cc77c04be032de0143726d4508ed8c157b9955af04a274e627b3fbcab130fb3","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2025-loan-delivery-release-notes-printable-version.pdf"]},"text":"Edit Updates See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing\n\nof effective edit updates including:\n\n•\n•\n\n1 new informational edit for MBS loan Note Rate validation\n2 warning edits to validate appraisal\n\n© 2025 Fannie Mae Page 2 of 6\n\nEffective\nDate\n\nImpacted Area\n\nDescription\n\nApr 18,\n2025\n\nGreen\nCertification\n\n•\n\n2 edits moving from warning to fatal to validate HomeReady VLIP LLPA credit (on\n3/1) and hybrid appraisal (on 3/24)\n\nEffective April 18, 2025, Loan Delivery will automatically populate Special Feature Code (SFC)\n881 DOE Zero Energy Ready Home Certification for Green Bonds on Whole Loans that Fannie\nMae identifies as securing a property with an eligible DOE Zero Energy Ready Home green\nbuilding certification. Additionally, Loan Delivery will automatically populate Special Feature\nCode (SFC) 888 WaterSense Certification on Whole Loans that Fannie Mae identifies as\nsecuring a property with an eligible WaterSense certification. If SFC 881 or 888 is auto-\npopulated on the loan, warning edit 2740 or 2739 will fire, respectively, notifying sellers of the\nchange. No action is required by sellers. Contact your Fannie Mae representative for\nassistance or additional information.\n\nApr 21,\n2025\n\nHybrid\nAppraisal\n\nFannie Mae recently announced an expansion to the hybrid appraisal policy effective March\n22, 2025. To support this announcement, Loan Delivery will introduce new edits and update\nexisting edits to ensure hybrid appraisal eligibility. See Value Acceptance and Property Data\nFact Sheet and Loan Delivery Business Rules for more details.\n"}
diff --git a/chunks/json/4ccbc4bbf1b3586fc7dca6baa71225399b5fb41878f45b0ad569d71741115784.json b/chunks/json/4ccbc4bbf1b3586fc7dca6baa71225399b5fb41878f45b0ad569d71741115784.json
new file mode 100644
index 0000000000000000000000000000000000000000..029a7b3a6bcbbd3170e298690feb824f11a9b475
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+++ b/chunks/json/4ccbc4bbf1b3586fc7dca6baa71225399b5fb41878f45b0ad569d71741115784.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":156450,"char_start":154792,"chunk_id":"chk_eef1971097023d69","chunk_index":85,"chunk_sha256":"4ccbc4bbf1b3586fc7dca6baa71225399b5fb41878f45b0ad569d71741115784","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"4ccbc4bbf1b3586fc7dca6baa71225399b5fb41878f45b0ad569d71741115784","token_estimate":414,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"9.079\n\nIntegratedDisclosureCashToCloseItemEstimatedAmount\n\n9.075\n\nIntegratedDisclosureCashToCloseItemPaymentType\n\n24901.00\n\nToBorrower\n\n9.078\n\nIntegratedDisclosureCashToCloseItemType\n\nCashToCloseTotal\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUMEN\nT_SPECIFIC_DATA_SETS/DOCUMENT_SPECIFIC_DATA_SET/INTEGRATED_DISCLOSURE/CASH_TO_CLOSE_ITEMS/CASH_TO_CLOSE_ITEM\n\n9.080\n\nIntegratedDisclosureCashToCloseItemFinalAmount\n\n9.075\n\nIntegratedDisclosureCashToCloseItemPaymentType\n\n29677.00\n\nToBorrower\n\n9.078\n\nIntegratedDisclosureCashToCloseItemType\n\nCashToCloseTotal\n\nFigure 48. XML Snippet - Example of Cash to Close Data for a Refinance.\n\n<MESSAGE>\n…\n<DEAL>\n <LOANS>\n <LOAN>\n\n<DOCUMENT_SPECIFIC_DATA_SETS>\n <DOCUMENT_SPECIFIC_DATA_SET>\n\n<INTEGRATED_DISCLOSURE>\n <CASH_TO_CLOSE_ITEMS>\n <CASH_TO_CLOSE_ITEM>\n\n<IntegratedDisclosureCashToCloseItemAmountChangedIndicator>false<\n\nUCD v2.0 Implementation Guide\n\n- 67 -\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/IntegratedDisclosureCashToCloseItemAmountChangedIndicator>\n\n<IntegratedDisclosureCashToCloseItemEstimatedAmount>15000.00<\n\n/IntegratedDisclosureCashToCloseItemEstimatedAmount>\n\n<IntegratedDisclosureCashToCloseItemFinalAmount>15000.00</IntegratedDisclosureCashToCloseItemFinalAmount>\n<IntegratedDisclosureCashToCloseItemType>LoanAmount</IntegratedDisclosureCashToCloseItemType>\n\n</CASH_TO_CLOSE_ITEM>\n <CASH_TO_CLOSE_ITEM>\n\n<IntegratedDisclosureCashToCloseItemAmountChangedIndicator>true<\n\n/IntegratedDisclosureCashToCloseItemAmountChangedIndicator>\n"}
diff --git a/chunks/json/4cedef0167be2db9a642a57987bfc51c5f83a09cf37ada0b0bcbf5f404eab80f.json b/chunks/json/4cedef0167be2db9a642a57987bfc51c5f83a09cf37ada0b0bcbf5f404eab80f.json
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index 0000000000000000000000000000000000000000..4980aeb640b1738c2b07879081a99380391fd2c3
--- /dev/null
+++ b/chunks/json/4cedef0167be2db9a642a57987bfc51c5f83a09cf37ada0b0bcbf5f404eab80f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":499665,"char_start":498043,"chunk_id":"chk_a8dd3fadc80b8045","chunk_index":296,"chunk_sha256":"4cedef0167be2db9a642a57987bfc51c5f83a09cf37ada0b0bcbf5f404eab80f","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"4cedef0167be2db9a642a57987bfc51c5f83a09cf37ada0b0bcbf5f404eab80f","token_estimate":406,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"The Sales Comparison Approach displays when the field Sales Comparison Approach Developed by Appraiser is Yes, and the “When to Include” column\nin this chapter reflects this.\n\nSales Comparison Approach Developed by Appraiser\n\nReport\nField ID\n\nNot on\nReport\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\nAlways required\n\nYes | No\n\nSales Comparison Approach Developed by Appraiser\n•\n•\n\nYes (The Sales Comparison Approach section is included)\nNo (The Sales Comparison Approach section is not included)\n\nNote: Sales Comparison Approach Developed by Appraiser does not display.\n\nThe Sales Comparison Approach section may include some or all of the following subsections (“gray bars”):\n• General Information (always displays)\n• Project Information (if applicable, or if relevant)\n• Site (always displays)\n• Water Frontage with Private Access (if applicable)\n• Dwelling(s) (always displays)\n• Energy Efficient and Green Features (if relevant)\n• Unit(s) (always displays)\n• Quality and Condition (always displays)\n• Property Amenities (if relevant)\n• Vehicle Storage (always displays)\n• Outbuilding (if applicable)\n• Summary (always displays)\n• Reconciliation of Sales Comparison Approach (always displays)\nAppendix F-1: URAR Reference Guide\n\nPage 213 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\n• Sales Comparison Map (always displays)\n• Additional Properties Analyzed Not Used (if relevant)\n• Sales Comparison Approach Exhibits (always displays)\n\nKey Concepts\n\nSubject and Comparable Information\n"}
diff --git a/chunks/json/4cf00a9281cf5de8c0e6cf519a72e5844412b61905adf3f2b0f3223a87b67455.json b/chunks/json/4cf00a9281cf5de8c0e6cf519a72e5844412b61905adf3f2b0f3223a87b67455.json
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index 0000000000000000000000000000000000000000..4d55e3c93217da6be6044669a62f7ac9891698c5
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+++ b/chunks/json/4cf00a9281cf5de8c0e6cf519a72e5844412b61905adf3f2b0f3223a87b67455.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":14307,"char_start":10906,"chunk_id":"chk_c2121403b32d59ad","chunk_index":6,"chunk_sha256":"4cf00a9281cf5de8c0e6cf519a72e5844412b61905adf3f2b0f3223a87b67455","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_93274c1ae641603b","text_sha256":"4cf00a9281cf5de8c0e6cf519a72e5844412b61905adf3f2b0f3223a87b67455","token_estimate":940,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Single_Family_Guarantee_Fees_Report___U_S__FEDERAL_88840q.md"]},"text":"[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/366&order=field_release_date&sort=asc) Report Attachment December 22, 2025 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2024](/reports/single-family-guarantee-fees/2024) [Read Report](/document/gfee-report-2024.pdf) January 17, 2025 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2023](/reports/single-family-guarantee-fees/2023) [Read Report](/document/gfee-report-2023.pdf) May 02, 2024 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2022](/reports/single-family-guarantee-fees/2022) [Read Report](/document/fannie-mae-and-freddie-mac-single-family-guarantee-fees-in-2022) November 16, 2022 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2021](/reports/single-family-guarantee-fees/2021) [Read Report](/media/30411) December 21, 2021 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2020](/reports/single-family-guarantee-fees/2020) [Read Report](/document/fannie-and-freddie-guarantee-fees-2020) December 14, 2020 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2019](/reports/single-family-guarantee-fees/2019) [Read Report](/document/GFee-Report-2019.pdf) December 18, 2019 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2018](/reports/single-family-guarantee-fees/2018) [Read Report](/media/30116) December 10, 2018 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2017](/reports/single-family-guarantee-fees/2017) [Read Report](/document/fannie-and-freddie-guarantee-fees-in-2017) October 17, 2017 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2016](/reports/single-family-guarantee-fees/2016) [Read Report](/document/fannie-and-freddie-guarantee-fees-in-2016) August 01, 2016 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2015](/reports/single-family-guarantee-fees/2015) [Read Report](/media/30356) June 30, 2015 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2014](/reports/single-family-guarantee-fees/2014) [Read Report](/document/fannie-and-freddie-guarantee-fees-in-2014) November 20, 2014 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2013](/reports/single-family-guarantee-fees/2013) [Read Report](/media/25101) December 09, 2013 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2012](/reports/single-family-guarantee-fees/2012) [Read Report](/document/fannie-and-freddie-guarantee-fees-in-2012) December 09, 2013 [State-Level Guarantee Fee Analysis](/reports/single-family-guarantee-fees/state-level-guarantee-fee-analysis) [Read Report](/document/state-level-g-fee-analysis) August 31, 2012 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees - 2010 / 2011](/reports/single-family-guarantee-fees/2010-2011) [Read Report](/media/24866) September 23, 2011 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees - 2009 / 2010](/reports/single-family-guarantee-fees/2009-2010) [Read Report](/document/fannie-and-freddie-guarantee-fees-in-2009-and-2010) July 08, 2010 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees - 2008 / 2009](/reports/single-family-guarantee-fees/2008-2009) [Read Report](/document/fannie-and-freddie-guarantee-fees-in-2008-and-2009) July 30, 2009 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees - 2007 / 2008](/reports/single-family-guarantee-fees/2007-2008) [Read Report](/media/24861)\n"}
diff --git a/chunks/json/4cf16a066ee7ba84008d69ca239c8652c2604bbe8ffa2d4c0a866cfe5480ecff.json b/chunks/json/4cf16a066ee7ba84008d69ca239c8652c2604bbe8ffa2d4c0a866cfe5480ecff.json
new file mode 100644
index 0000000000000000000000000000000000000000..85266c5146b8fcb6bb22c678903c289a81a40cf2
--- /dev/null
+++ b/chunks/json/4cf16a066ee7ba84008d69ca239c8652c2604bbe8ffa2d4c0a866cfe5480ecff.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7567,"char_start":6701,"chunk_id":"chk_530bef1861da45e5","chunk_index":4,"chunk_sha256":"4cf16a066ee7ba84008d69ca239c8652c2604bbe8ffa2d4c0a866cfe5480ecff","date_utc":"2026-01-27T18:29:50+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a94536bb42f76932","text_sha256":"4cf16a066ee7ba84008d69ca239c8652c2604bbe8ffa2d4c0a866cfe5480ecff","token_estimate":216,"warnings":["source_path=Appendix-D-3 Completion Report Sample Scenarios and XML Files/Appendix D-3 CR2_CompletionReport/_.pdf/CR2_CompletionReport_v1.3.pdf"]},"text":"7. 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\nSignature\n\nAppraiser\nAgatha Appraiser\nAgatha Appraiser\n\n11/30/2019\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nCertified Residential\nXYZ12345\nVA\n12/31/2019\n\nAppraiser Reference ID AA12346 Client Reference ID D-124394 AMC Reference ID A-1434525Completion Version #1Fannie Mae | Freddie Mac September 2024\n"}
diff --git a/chunks/json/4cf3750473160c900743bece9a394c71cb3f6584140f759412eefbca027e68d1.json b/chunks/json/4cf3750473160c900743bece9a394c71cb3f6584140f759412eefbca027e68d1.json
new file mode 100644
index 0000000000000000000000000000000000000000..79d10b785bb3b4d3b9f459c18d254b5330f01585
--- /dev/null
+++ b/chunks/json/4cf3750473160c900743bece9a394c71cb3f6584140f759412eefbca027e68d1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":53961,"char_start":52361,"chunk_id":"chk_fc47ccc90bdb735a","chunk_index":29,"chunk_sha256":"4cf3750473160c900743bece9a394c71cb3f6584140f759412eefbca027e68d1","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"4cf3750473160c900743bece9a394c71cb3f6584140f759412eefbca027e68d1","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":"UAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 24 of 166\n\nUAD 3.6 Policy\n\nEquity Transactions: Eligibility, Underwriting and Collateral Requirements and B5-7-01, High LTV Refinance Loan and Borrower\nEligibility for additional information.\n\nSB2-3-04, Special Property Eligibility Considerations (12/10/2025)\n\nIntroduction\n\nThis topic contains information on Fannie Mae’s unique property eligibility requirements, including:\n\n• Accessory Dwelling Units\n• Multiple Parcels\n• Mixed-Use Properties\n• Hawaiian Lava Flow Zones\n• Properties with Solar Panels\n\nAccessory Dwelling Units\n\nAn ADU is an additional living area independent of the primary dwelling that may have been added to, created within, or detached\nfrom a primary dwelling. The ADU must provide for living, sleeping, cooking, and bathroom facilities and be on the same parcel as\nthe primary dwelling.\n\nThe ADU may, but is not required to, include access to the primary dwelling. However, it is not considered an ADU if it can only be\naccessed through the primary dwelling or the area is open to the primary dwelling with no expectation of privacy.\n\nThe following table describes the number of ADUs allowed.\n\nOne-unit principal residence single-\nsection standard manufactured home\n(excluding MH Advantage)\n\nOne ADU allowed\n\nOne-unit principal residence (includes\nall multi-section manufactured homes\nand single-section MH Advantage)\n\nUp to three ADUs allowed\n\nTwo-unit dwelling (one unit must be\nowner occupied as the principal\nresidence)\n\nUp to two ADUs\n\nThree-unit dwelling (one unit must be\nowner occupied as the principal\nresidence)\n"}
diff --git a/chunks/json/4cf8b38f2873ee56b821bbe75a157fa517a89fa370d7b8656ec86ac76a1466d2.json b/chunks/json/4cf8b38f2873ee56b821bbe75a157fa517a89fa370d7b8656ec86ac76a1466d2.json
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index 0000000000000000000000000000000000000000..775c31a13752f8a954efd52e6c147154488b779a
--- /dev/null
+++ b/chunks/json/4cf8b38f2873ee56b821bbe75a157fa517a89fa370d7b8656ec86ac76a1466d2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":118396,"char_start":116777,"chunk_id":"chk_6c348ec6f65675f5","chunk_index":49,"chunk_sha256":"4cf8b38f2873ee56b821bbe75a157fa517a89fa370d7b8656ec86ac76a1466d2","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"4cf8b38f2873ee56b821bbe75a157fa517a89fa370d7b8656ec86ac76a1466d2","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Table 25 illustrates that the value for PartyRoleType does not need to be exactly what is displayed on the form if\nit is equivalent. For Example: “NotePayTo” is equivalent to Lender. While these same two data points are used\nto populate 23.1.1 - Lender Name, they appear in the XML file only once.\n\nTable 25. Lender Organization Name\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\n2.3\n\nLender\n\n…/PARTY/LEGAL_E\nNTITY/LEGAL_ENTI\nTY_DETAIL\n\n…/PARTY/ROLES/R\nOLE/ROLE_DETAIL\n\nFullName\n\nFicus Bank\n\nPartyRoleType\n\nNotePayTo\n\nROF as Lender\n\nA. FOR MORE I NFORMATI ON\n\n2.0 Reg §1026.38(a)(4), pp. 80121, 80350, 80002-80003, 80055. Cross Reference to §1026.37(a)(3) and (5).\n\n2.1 Reg §1026.38(a)(4)(i), pp. 80121, 80002.\n\n2.2 Reg §1026.38(a)(4)(ii), pp. 80121, 80002.\n\nAppendix E: UCD Implementation Guide\n\nPage 43 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n2.0 Transaction Information\n\n2.3 Reg §1026.2(a)(17); §1026.38(a)(4)(iii), pp. 80121, 80002, 80055.\n\nAppendix E: UCD Implementation Guide\n\nPage 44 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n3.0 Loan Information\n\n3.0 LOAN INFORMATION\n\nThe Loan Information section is included in the following Closing Disclosure variations.\n\nTable 26. 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\n3.0\n\nLoan Information\n\n✓\n\n✓\n\n✓\n\n3.0 Loan Information fields characterize and identify the loan.\n\n3.0 Loan Information\n\n3.1Loan Term 30 Years\n\n3.2 Purpose Purchase\n"}
diff --git a/chunks/json/4cfc54e3a00cafd14935410409b0c5b94b451f1e9b0452081fa9fc5bc1916786.json b/chunks/json/4cfc54e3a00cafd14935410409b0c5b94b451f1e9b0452081fa9fc5bc1916786.json
new file mode 100644
index 0000000000000000000000000000000000000000..c694ab26c319425de4679fe0154a6b8a48b7829b
--- /dev/null
+++ b/chunks/json/4cfc54e3a00cafd14935410409b0c5b94b451f1e9b0452081fa9fc5bc1916786.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":86497,"char_start":84787,"chunk_id":"chk_a1e8ed813a1754d0","chunk_index":47,"chunk_sha256":"4cfc54e3a00cafd14935410409b0c5b94b451f1e9b0452081fa9fc5bc1916786","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"4cfc54e3a00cafd14935410409b0c5b94b451f1e9b0452081fa9fc5bc1916786","token_estimate":428,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Table IV-6. Data Points in the LOAN_STATE Container\n\nData Point\n\nDefinition\n\nValid Values / Format\n\nLoanStateType\n\nIdentifies the point in time for\nwhich the data associated\nwith this occurrence of LOAN\nis valid.\n\nAtClosing: A snapshot of the loan data at the\ncompletion of the closing process. This is\nsometimes referred to as “original.”\n\nAtConversion: For loans with a conversion\noption, a snapshot of the loan data at the time\nthe conversion features become effective (e.g.,\nbiweekly to monthly payments; adjustable to\nfixed rate amortization).\n\nAtModification: For loans that undergo term\nmodifications not originally specified in the\nnote, snapshots of the loan data at the time the\nnew note terms become effective.\n\nAtReset: For balloon mortgages with a reset\nfeature, a snapshot of the loan data on the\nballoon maturity date at the time the borrower\nexercises the reset option to modify and\nextend the balloon note.\n\nCurrent: A snapshot of the loan data as of the\nLoanStateDate.\n\nLoanStateDate\n\nSpecifies the date for the\n“Loan State Type.”\n\nYYYY-MM-DD\n\n2. Loan States and Loan Delivery.\n\nIN DEPTH\n\nUse of the LoanStateType values enables loan delivery file submitters to be precise\nabout the timing of the information for each loan transaction. For this reason, the\nLoanStateType needs to be linked with the associated data points in the LOAN\ncontainer so that the data can be used accurately in business logic and calculations.\n\nThe LOAN_STATE container must be submitted with every instance of LOAN. The data\nrequired for every subject loan delivered to the GSEs will be submitted in a minimum\nof two LOAN containers—one with a LoanStateType of “AtClosing” and one with a\nLoanStateType of “Current.”\n"}
diff --git a/chunks/json/4d12d3b870a2ec62fd4a76f0a9d018883788a21d4e909915365418ecf2514ef9.json b/chunks/json/4d12d3b870a2ec62fd4a76f0a9d018883788a21d4e909915365418ecf2514ef9.json
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index 0000000000000000000000000000000000000000..f8af0ad6c9201b76e095cf180c3f82153a59840a
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+++ b/chunks/json/4d12d3b870a2ec62fd4a76f0a9d018883788a21d4e909915365418ecf2514ef9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":16164,"char_start":14567,"chunk_id":"chk_824682d85eb6d49a","chunk_index":9,"chunk_sha256":"4d12d3b870a2ec62fd4a76f0a9d018883788a21d4e909915365418ecf2514ef9","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b28a85df80ca57ef","text_sha256":"4d12d3b870a2ec62fd4a76f0a9d018883788a21d4e909915365418ecf2514ef9","token_estimate":400,"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":"Quality Comment\nStandard grade\n\nCondition Status\nTypical Wear and Tear\n\nCondition Comment\nUpdated 5 years ago\n\nStandard grade with some\nupgraded\n\nStandard grade\n\nStandard grade\n\nStandard grade\n\nTypical Wear and Tear\n\nUpdates in the last 1-5 years\n\nTypical Wear and Tear\n\nWell-maintained\n\nTypical Wear and Tear\n\nUpdated 5 years ago\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nNo damage or condition\nissues noted\n\nNo damage or condition\nissues noted\n\nWet Bar\n\nWet bar with custom brick\nwork has been added as a\nunique interior feature.\n\nBelow grade area has a\ncustom brick wet bar that\nincludes wood countertops.\n\nOverall Update Status for\nFlooring\n\nModerately Updated\n\nApparent Defects, Damages, Deficiencies (Unit Interior - Primary Dwelling)\n\nNone\n\nUnit Interior Commentary\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\ntub, upgraded ceramic tile in the shower and floors, custom built vanity with marble countertop and upgraded fixtures and lighting. The\nkitchen cabinets were re-faced, and new solid surface countertops installed along with new appliances and lighting fixtures. The carpet was\nreplaced throughout approximately 5-6 years ago with upgraded carpet on the first floor (including primary bedroom) and below grade\nfamily room. The 2nd floor carpeting was also replaced, however with standard grade carpet.\n\nAppraisal Version #1Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123\n\nUniform Residential Appraisal Report\n"}
diff --git a/chunks/json/4d134e959ec60621f97f0eaaed56a6a89fc7e659acc13e6c30a8e1ad38a55ffa.json b/chunks/json/4d134e959ec60621f97f0eaaed56a6a89fc7e659acc13e6c30a8e1ad38a55ffa.json
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index 0000000000000000000000000000000000000000..4f145c3508b166bfc98414528e08c19f9ba36ef9
--- /dev/null
+++ b/chunks/json/4d134e959ec60621f97f0eaaed56a6a89fc7e659acc13e6c30a8e1ad38a55ffa.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":543675,"char_start":542051,"chunk_id":"chk_7258f665fb56ddac","chunk_index":313,"chunk_sha256":"4d134e959ec60621f97f0eaaed56a6a89fc7e659acc13e6c30a8e1ad38a55ffa","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"4d134e959ec60621f97f0eaaed56a6a89fc7e659acc13e6c30a8e1ad38a55ffa","token_estimate":407,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Appraisal Version #1Fannie Mae | Freddie Mac September 2024Appraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Single Family Scenario 4 (SF4)\n\nUniform Residential Appraisal Report\n\nPage 8 of 22\n\nUnit Interior - Primary Dwelling (continued)\n\nUnit Interior Exhibits\n\nLevel 1 - Bath - Full - Bath 1\n\nLevel 1 - Bath - Half\n\nThis is where the 1st Full Bathroom photo would display.\n\nThis is where the Half Bathroom photo would display.\n\nLevel 1 - Bedroom - Bedroom 1\n\nLevel 1 - Kitchen\n\nThis is where the 1st Bedroom photo would display.\n\nThis is where the Kitchen photo would display.\n\nLevel 2 - Bath - Full - Bath 2\n\nLevel 2 - Bath - Full - Bath 3\n\nThis is where the 2nd Full Bathroom photo would display.\n\nThis is where the 3rd Full Bathroom photo would display.\n\nLevel 2 - Bedroom - Bedroom 2\n\nLevel 2 - Bedroom - Bedroom 3\n\nThis is where the 2nd Bedroom photo would display.\n\nThis is where the 3rd Bedroom photo would display.\n\nAppraisal Version #1Fannie Mae | Freddie Mac September 2024Appraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Single Family Scenario 4 (SF4)\n\nUniform Residential Appraisal Report\n\nPage 9 of 22\n\nUnit Interior - Primary Dwelling (continued)\n\nLevel 2 - Bedroom - Bedroom 4\n\nLevel 2 - Bedroom - Bedroom 5\n\nThis is where the 4th Bedroom photo would display.\n\nThis is where the 5th Bedroom photo would display.\n\nUnit Interior - ADU\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\nADU\n\nLegally Rentable\nData Source\nTypical for Market\nIngress/Egress\nSeparate Postal Address\n"}
diff --git a/chunks/json/4d2210000840d071d7f143a2321a2e2f91a636af07c094abdac9a939b1411749.json b/chunks/json/4d2210000840d071d7f143a2321a2e2f91a636af07c094abdac9a939b1411749.json
new file mode 100644
index 0000000000000000000000000000000000000000..a21e71e2a287442ad79db7b12600a679385f5384
--- /dev/null
+++ b/chunks/json/4d2210000840d071d7f143a2321a2e2f91a636af07c094abdac9a939b1411749.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":76110,"char_start":74070,"chunk_id":"chk_8b8b7c2886225b41","chunk_index":47,"chunk_sha256":"4d2210000840d071d7f143a2321a2e2f91a636af07c094abdac9a939b1411749","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"4d2210000840d071d7f143a2321a2e2f91a636af07c094abdac9a939b1411749","token_estimate":510,"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\n41\n\nData PointsContainersLegend:3a. Property You Own OWNED_PROPERTYPROPERTYPROPERTY_DETAILPropertyEstimatedValueAmountPropertyCurrentUsageTypePropertyUsageTypePropertyUsageTypeOtherDescriptionOWNED_PROPERTY_DETAILADDRESSAddressLineTextAddressUnitIdentifierCityNameStateCodePostalCodeCountryCodeOwnedPropertySubjectIndicatorOwnedPropertyDispositionStatusTypeOwnedPropertyMaintenanceExpenseAmountOwnedPropertyRentalIncomeGrossAmountOwnedPropertyRentalIncomeNetAmountOwnedPropertyLienUPBAmountPROPERTY_VALUATIONSPROPERTY_VALUATIONPROPERTY_VALUATION_DETAILPropertyValuationAmountDEALLOANSLOANASSETSASSETLIABILITIESLIABILITYLIABILITY_DETAILLiabilityPaymentIncludesTaxesInsuranceIndicatorLiabilityAccountIdentifierLiabilityTypeLiabilityMonthlyPaymentAmountLiabilityUnpaidBalanceAmountLiabilityPayoffStatusIndicatorMortgageTypeHELOCMaximumBalanceAmountLiabilityExclusionIndicatorLIABILITY_HOLDERNAMEFullNameREFINANCECurrentFirstMortgageHolderTypeTotalMortgagedPropertiesCountCOLLATERALSCOLLATERALSUBJECT_PROPERTYPROPERTY_VALUATIONSPROPERTY_VALUATIONPROPERTY_VALUATION_DETAILEXTENSIONOTHERDU:PropertyDataIdentifierDU: PROPERTY_VALUATION_DETAIL _EXTENSIONLOAN_DETAIL\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n42\n\nMISMO Data PointsMISMO ContainersLegend:4a. Loan and Property InformationPROPERTY_VALUATIONADDRESSAddressLineTextAddressUnitIdentifierCityNameStateCodePostalCodeCountyNamePROPERTY_VALUATON_DETAILPropertyValuationAmountSUBJECT_PROPERTYPROPERTY_DETAILFinancedUnitCountPropertyEstimatedValueAmountPropertyUsageTypeFHASecondaryResidenceIndicatorPropertyMixedUsageIndicatorConstructionMethodTypeConstructionMethodTypeOtherDescriptionCOLLATERALSDEALLOANSLOANCOLLATERALTERMS_OF_LOANLoanPurposeTypePROPERTY_VALUATIONSLOCATION_IDENTIFIERFIPS_INFORMATIONFIPSStateNumericCodeFIPSCountyCodeCENSUS_INFORMATIONGENERAL_IDENTIFIERCensusTractIdentifierMSAIdentifierQUALIFICATIONEXTENSIONOTHERULAD:QUALIFICATION_EXTENSIONULAD:PositiveRentalHistoryIndicator\n"}
diff --git a/chunks/json/4d2a47883e84229c68aafa9e4aa1ee12390f77d33b6ea76b6e14094ea056da00.json b/chunks/json/4d2a47883e84229c68aafa9e4aa1ee12390f77d33b6ea76b6e14094ea056da00.json
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index 0000000000000000000000000000000000000000..de3ef4f569ac51ac30a61a637863a501151e2842
--- /dev/null
+++ b/chunks/json/4d2a47883e84229c68aafa9e4aa1ee12390f77d33b6ea76b6e14094ea056da00.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":296250,"char_start":294560,"chunk_id":"chk_c93b4270100e699d","chunk_index":173,"chunk_sha256":"4d2a47883e84229c68aafa9e4aa1ee12390f77d33b6ea76b6e14094ea056da00","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"4d2a47883e84229c68aafa9e4aa1ee12390f77d33b6ea76b6e14094ea056da00","token_estimate":423,"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 must indicate the data source used for the prior sale/transfer of the\ncomparable.\n\n30\n\nString\n\n383\n\n2\n\n121\n\nSALES\nCOMPARISON\nAPPROACH\n\nEffective Date of Data\nSource (s)\nCOMPARABLE\n\nData Source Effective\nDate\n\nThe effective date of the source of\ninformation.\n\n384\n\n2\n\n122\n\nSALES\nCOMPARISON\nAPPROACH\n\nAnalysis of prior sale or\ntransfer history of the\nsubject property and\ncomparable sales.\n\nGSE Prior Sale\nComment\n\nAnalysis of the prior sale(s) of the\nsubject and comparable sales.\n\n385\n\n2\n\n123\n\nSALES\nCOMPARISON\nAPPROACH\n\nSummary of Sales\nComparison Approach\n\nSales Comparison\nComment\n\nA free-form text field used to describe\nor comment on the on the Sales\nComparison approach in valuating\nthe subject property.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/PRIOR_SALES/@DataSourceEffectiveDate\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/P\nRIOR_SALES/PRIOR_SALES_EXTENSION/\nPRIOR_SALES_EXTENSION_SECTION[@E\nxtensionSectionOrganizationName\n='UNIFORM APPRAISAL DATASET ']/\nPRIOR_SALES_EXTENSION_SECTION_DA\nTA/PRIOR_SALE/@GSEPriorSaleComment\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/@_Commen\nt\n\nPDF Display Format (when the source is an MLS listing):\nMLS Organization # Listing\n\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\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"}
diff --git a/chunks/json/4d2b2e0a58978c8abfcaa000287b24c1d25038d40ade920277e3441ed3f244c0.json b/chunks/json/4d2b2e0a58978c8abfcaa000287b24c1d25038d40ade920277e3441ed3f244c0.json
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index 0000000000000000000000000000000000000000..e4c97cb40438dea6ec6d57c848a1a823a0201c1f
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+++ b/chunks/json/4d2b2e0a58978c8abfcaa000287b24c1d25038d40ade920277e3441ed3f244c0.json
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+{"chunk":{"char_end":1749,"char_start":0,"chunk_id":"chk_3afea36b5cd12c07","chunk_index":0,"chunk_sha256":"4d2b2e0a58978c8abfcaa000287b24c1d25038d40ade920277e3441ed3f244c0","date_utc":"2026-01-27T17:54:23+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_19fda0961fbeb003","text_sha256":"4d2b2e0a58978c8abfcaa000287b24c1d25038d40ade920277e3441ed3f244c0","token_estimate":531,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Representation_and_Warranty_Framework___FHFA_uv66d.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/policy/representation-and-warranty-framework\"\ndate_accessed: \"2026-01-27T17:54:20.330Z\"\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/4d32bc01b882497aaad12325d4f5b87a63fd18457f7864321fe5cd450a38cf29.json b/chunks/json/4d32bc01b882497aaad12325d4f5b87a63fd18457f7864321fe5cd450a38cf29.json
new file mode 100644
index 0000000000000000000000000000000000000000..3d55c3797d365e4111179b653e3b5607e1f0b3a4
--- /dev/null
+++ b/chunks/json/4d32bc01b882497aaad12325d4f5b87a63fd18457f7864321fe5cd450a38cf29.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":64317,"char_start":62406,"chunk_id":"chk_469cb1663b561d12","chunk_index":41,"chunk_sha256":"4d32bc01b882497aaad12325d4f5b87a63fd18457f7864321fe5cd450a38cf29","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"4d32bc01b882497aaad12325d4f5b87a63fd18457f7864321fe5cd450a38cf29","token_estimate":478,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"SiteBuilt\n\nSiteBuilt\n\nSiteBuilt And Modular\n\nSiteBuilt And Container\n\nSiteBuilt\n\nSiteBuilt\n\nSiteBuilt\n\nSiteBuilt\n\nSiteBuilt\n\nSiteBuilt\n\nSiteBuilt And\nThreeDimensionalPrintingTechnology\n\nSiteBuilt\n\nSiteBuilt\n\nSiteBuilt\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n29\n\nOnFrameModular And Modular\n\nSiteBuilt\n\nSiteBuilt\n\nSiteBuilt\n\nOnFrameModular And Container\n\nSiteBuilt\n\nSiteBuilt\n\nSiteBuilt\n\nOnFrameModular And\nThreeDimensionalPrintingTechnology\n\nSiteBuilt\n\nSiteBuilt\n\nSiteBuilt\n\nModular And Container\n\nSiteBuilt\n\nSiteBuilt\n\nSiteBuilt\n\nModular And\nThreeDimensionalPrintingTechnology\n\nSiteBuilt\n\nContainer And\nThreeDimensionalPrintingTechnology\n\nSiteBuilt\n\nSiteBuilt\n\nSiteBuilt\n\nSiteBuilt\n\nSiteBuilt\n\nL2. Title Information\n\nFor all loan types, lenders must submit whether the Estate will be held in Fee Simple or Leasehold. For\nFHA loans, if the Estate is Leasehold, then the expiration date for the lease must be provided.\n\nL3. Mortgage Loan Information\n\nAll the data points in this section are required with the exception of the time periods for the Adjustable\nRate. The Proposed Housing Expenses should be provided by indicating each housing expense type and the\ncorresponding monthly payment amount. DU will use this information to calculate the total. Proposed\nMonthly Payment as a total does not need to be included in the Loan Application Submission file.\n\nL4. Qualifying the Borrower – Minimum Required Funds or Cash Back\n\nThe loan amount is required regardless of the type of mortgage. The sales contract amount is only required\nfor purchase transactions. All of the data points in this section will be consumed by DU if provided in the\nLoan Application Submission file. Data points representing the total amounts are optional since DU will\ncalculate the amount based on the information provided. In this section, FHA and VA loans follow the\nsame conditionality approach as DU.\n"}
diff --git a/chunks/json/4d3a23aaf5abe158a82b2ec52a87e0d47295ab766165b4b413b3b69c9b5d3413.json b/chunks/json/4d3a23aaf5abe158a82b2ec52a87e0d47295ab766165b4b413b3b69c9b5d3413.json
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index 0000000000000000000000000000000000000000..f39baa2fcb7c91df7868ef2765ab0913f5062298
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+++ b/chunks/json/4d3a23aaf5abe158a82b2ec52a87e0d47295ab766165b4b413b3b69c9b5d3413.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":81882,"char_start":80019,"chunk_id":"chk_5ce0a2c408e266dd","chunk_index":27,"chunk_sha256":"4d3a23aaf5abe158a82b2ec52a87e0d47295ab766165b4b413b3b69c9b5d3413","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"4d3a23aaf5abe158a82b2ec52a87e0d47295ab766165b4b413b3b69c9b5d3413","token_estimate":466,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"a.\n\nIs a standard fixed rate or ARM product with no special features,\n\nb. Has a buydown feature,\n\nc. Has a pre-computed interest rate, or\n\nd. Is an ARM where the rate is not known at the time the disclosure is prepared (See 4.2 Interest Rate).\n\nAppendix E: UCD Implementation Guide\n\nPage 20 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nIV. UCD Data Point Categories\n\nFigure 5. UCD Document Specific Data Points\n\n4. VARI ABLE FORM FI ELD NAMES\n\nBy Regulation, some Closing Disclosure field names change depending on the business condition. For example:\n\na. On the Model Form, the values in Projected Payment Calculation Period Start Number and End Number\n\nprovide the column headings (5.1.1 – 5.1.4) on 5.0 Projected Payments Table.\n\nb. On the Alternate Form, a mutually exclusive data points must be selected to supply the form field name\n\nfor 1.7 Appraised Prop. Value or Estimated Prop. Value.\n\nAppendix E: UCD Implementation Guide\n\nPage 21 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nIV. UCD Data Point Categories\n\n5. STATI C BOI LERPLATE\n\nIn several sections on the Closing Disclosure, implementers may need to provide boilerplate text specified by the\nRegulation. The UCD does not include data points for static boilerplate text. This text will need to be generated\nby the application producing the closing documents.\n\nMISMO v3.3.0 does have a structure OTHER_ LOAN_CONSIDERATIONS_AND_DISCLOSURES_ITEMS to support\nthe inclusion of boilerplate text by non-GSE trading partners (see Figure 5).\n\n6. DYNAMI C BOI LERPLATE\n\nThe content of some boilerplate text on the Closing Disclosure varies based on loan characteristics. UCD data\npoint values provide some of the content of dynamic boilerplate and are included in Appendix I. The Appendix I\nExcerpt “Notes” column explains how the associated data point value is incorporated into the dynamic\nboilerplate.\n"}
diff --git a/chunks/json/4d46831b863e7326587d6aeedeb1d91540afc4aa3e4b3b24e9a0f24e7ffc2d76.json b/chunks/json/4d46831b863e7326587d6aeedeb1d91540afc4aa3e4b3b24e9a0f24e7ffc2d76.json
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@@ -0,0 +1 @@
+{"chunk":{"char_end":227880,"char_start":225979,"chunk_id":"chk_296bb022b940733e","chunk_index":131,"chunk_sha256":"4d46831b863e7326587d6aeedeb1d91540afc4aa3e4b3b24e9a0f24e7ffc2d76","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"4d46831b863e7326587d6aeedeb1d91540afc4aa3e4b3b24e9a0f24e7ffc2d76","token_estimate":476,"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\nSignature\n\nAppraiser\nSam Appraiser\nSam Appraiser\n\n05/23/2018\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nCertified Residential\n5555-2222\nIL\n06/30/2020\n\nAppraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)\n\nCooperative Scenario 1 (Coop1)\n\nIntroduction\n\nThis report is for the purchase of a single-level cooperative apartment located less than a half mile from\nthe city center. The subject project comprises of a high-rise structure built in the early 1970s and\ncontains a dry cleaner and some office space on the first floor. The subject building contains a total of\n126 residential units that also have access to a pool and a theater. A garage parking space conveys with\nthe subject property. The project grounds are adorned with landscaping that is beneficial to its value\nand marketability.\n"}
diff --git a/chunks/json/4d4acd343ff8eb22f4d37a03ff510cace33886e544ee21c3f61087a46025e30b.json b/chunks/json/4d4acd343ff8eb22f4d37a03ff510cace33886e544ee21c3f61087a46025e30b.json
new file mode 100644
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+++ b/chunks/json/4d4acd343ff8eb22f4d37a03ff510cace33886e544ee21c3f61087a46025e30b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":225197,"char_start":223538,"chunk_id":"chk_6809fb8d88f61756","chunk_index":132,"chunk_sha256":"4d4acd343ff8eb22f4d37a03ff510cace33886e544ee21c3f61087a46025e30b","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"4d4acd343ff8eb22f4d37a03ff510cace33886e544ee21c3f61087a46025e30b","token_estimate":415,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Energy Efficient\nand Green\nFeatures Exhibits\n\nPhotos or images relevant to the Energy Efficient and Green Features section\nmay be provided, which display in Energy Efficient and Green Features\nExhibits. A caption must be provided to further describe the photo or image.\n\nAppendix F-1: URAR Reference Guide\n\nPage 90 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n07 Sketch\n\n07 Sketch\n\nThe Sketch section always displays and contains a sketch or floor plan that represents the dwellings and\noutbuildings on the subject property, and provides space for additional commentary.\n\nReference published guidelines by the GSEs, government agencies, or other identified secondary market\nparticipants for specific guidance regarding measurement standards and the sketch or floor plan.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n7.000\n\nN/A\n\nAlways required\n\nYes | No\n\n7.001 Measurement\n\nStandard\n\nRequired if Sketch or\nFloor Plan Provided is\nYes\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nSketch\n\nDefinition / Additional Guidance\n\nSketch or Floor Plan Provided\nIf No, “Sketch or Floor Plan Not Available” displays.\n•\n\nAn explanation is required in Sketch Commentary.\n\nThe standard used for measurement calculations.\n•\nANSI (American National Standards Institute)\no\n\nIf applicable, provide the appropriate ANSI Declaration(s) in Sketch\nCommentary.\n\n•\n•\n\nAMS (American Measurement Standard)\nOther (Describe)\no\n\nIf not applicable due to property type, choose Other and enter “Not\nApplicable due to property type”.\n▪\n\nExamples: low-rise, mid-rise, and high-rise condos and\napartment/multifamily buildings.\n"}
diff --git a/chunks/json/4d4d1248229045c6687e06f6c486314ec53f98824b13c5caae5fe1fe1ff83189.json b/chunks/json/4d4d1248229045c6687e06f6c486314ec53f98824b13c5caae5fe1fe1ff83189.json
new file mode 100644
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+++ b/chunks/json/4d4d1248229045c6687e06f6c486314ec53f98824b13c5caae5fe1fe1ff83189.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":29371,"char_start":27588,"chunk_id":"chk_265a07a078be5580","chunk_index":15,"chunk_sha256":"4d4d1248229045c6687e06f6c486314ec53f98824b13c5caae5fe1fe1ff83189","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_80141fc5f7cc473c","text_sha256":"4d4d1248229045c6687e06f6c486314ec53f98824b13c5caae5fe1fe1ff83189","token_estimate":446,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1075_466.pdf"]},"text":"20. I 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.\n\nFreddie Mac Form 466 March 2005 226\n\nPage 5 of 6\n\nFannie Mae Form 1075 March 2005\n\n2\n\nExterior-Only Inspection Individual Condominium Unit Appraisal Report File # 3 4 4a\n\n21. The 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 secondary\nmarket participants; data collection or reporting services; professional appraisal organizations; any department, agency, or\ninstrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the\nappraiser’s or supervisory appraiser’s (if applicable) consent. Such consent must be obtained before this appraisal report may\nbe disclosed or distributed to any other party (including, but not limited to, the public through advertising, public relations, news,\nsales, or other media).\n\n22. 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"}
diff --git a/chunks/json/4d66288be656a436e6b8f3b3cac826d5a35f9739713a87bae8be27f822fe7555.json b/chunks/json/4d66288be656a436e6b8f3b3cac826d5a35f9739713a87bae8be27f822fe7555.json
new file mode 100644
index 0000000000000000000000000000000000000000..9b3d955b223842585c921c0ab11ae774ea22de95
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+++ b/chunks/json/4d66288be656a436e6b8f3b3cac826d5a35f9739713a87bae8be27f822fe7555.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":777672,"char_start":775810,"chunk_id":"chk_5498c3189f8cb8e7","chunk_index":461,"chunk_sha256":"4d66288be656a436e6b8f3b3cac826d5a35f9739713a87bae8be27f822fe7555","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"4d66288be656a436e6b8f3b3cac826d5a35f9739713a87bae8be27f822fe7555","token_estimate":466,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Total number of living units sold.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='Complete']/@UnitsSoldCount\n\n169\n\n1\n\n162\n\nPROJECT\nINFORMATION\n\nIf Project Completed\n# of Units Rented\n\nUnits Rented Count Total number of living units rented.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='Complete']/@UnitsRentedCount\n\n170\n\n1\n\n163\n\nPROJECT\nINFORMATION\n\nIf Project Completed\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='Complete']/@OwnerOccupiedUnitCount\n\nData Point Field\nLength\n\n20\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\nFormat\n\nNumeric\n\nNumeric\n\nNumeric\n\nNumeric\n\nNumeric\n\nNumeric\n\nNumeric\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\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\nNumeric\n\nWhole numbers only.\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\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, 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/4d7be0e12692b03876e7b3f259845117aa1a4eabcb57b5b4ad736333899c8ab0.json b/chunks/json/4d7be0e12692b03876e7b3f259845117aa1a4eabcb57b5b4ad736333899c8ab0.json
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index 0000000000000000000000000000000000000000..b5b8a4c8be32d193e686a228371cb85914075b6f
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+++ b/chunks/json/4d7be0e12692b03876e7b3f259845117aa1a4eabcb57b5b4ad736333899c8ab0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":106743,"char_start":104937,"chunk_id":"chk_8b8ab61c811b54d9","chunk_index":59,"chunk_sha256":"4d7be0e12692b03876e7b3f259845117aa1a4eabcb57b5b4ad736333899c8ab0","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"4d7be0e12692b03876e7b3f259845117aa1a4eabcb57b5b4ad736333899c8ab0","token_estimate":452,"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 45 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\ndefined by the values in ConversionOptionPeriodEffectiveDate and\nConversionOptionPeriodExpirationDate.\n\n4. PER_CHANGE_ADJUSTMENT_RULES / PER_CHANGE_ADJUSTMENT_RULE\nThis set of rules is expected to repeat twice, with each rule identified by the value of\nAdjustmentRuleType as either “First” or “Subsequent.” If the value of\nAdjustmentRuleType is “First,” then the instance of the\nPER_CHANGE_ADJUSTMENT_RULE consists of instructions governing the initial\ninterest rate or payment change. If the value of AdjustmentRuleType is “Subsequent,”\nthen the instance of the PER_CHANGE_ADJUSTMENT_RULE consists of instructions\ngoverning the interest rate changes that follow the “First” rate or payment change.\nTypically, the Subsequent adjustment rules remain in place once they become\neffective.\n\na. Adjustable Rate Loans: If the ARM has an initial fixed period, the\nPER_CHANGE_ADJUSTMENT_RULE data govern the rate change that commences at the\nend of the fixed rate period. It specifies for this initial rate change, rate change\nmaximums and minimums, calculation method, and rule duration (among other\nthings). The “Subsequent” PER_CHANGE_ADJUSTMENT_RULE provides instructions\nfor all following rate changes.\n\nb. Adjustable Payment Loans: The PER_CHANGE_ADJUSTMENT_RULE with\nAdjustmentRuleType of “First” governs the initial payment change period. It specifies\npayment percentage and dollar increase and decrease maximums and minimums,\ncalculation method, and rule duration (among other things). The “Subsequent”\nPER_CHANGE_ADJUSTMENT_RULE provides instructions for all following payment\nchanges.\n"}
diff --git a/chunks/json/4d80c5c6edcfde183c13ac44d7fe80d04ff5d2d510e340af822d862daceed76e.json b/chunks/json/4d80c5c6edcfde183c13ac44d7fe80d04ff5d2d510e340af822d862daceed76e.json
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index 0000000000000000000000000000000000000000..eb2e3b5ace2af70aaeafe078fab4e286e8555856
--- /dev/null
+++ b/chunks/json/4d80c5c6edcfde183c13ac44d7fe80d04ff5d2d510e340af822d862daceed76e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":2851,"char_start":1791,"chunk_id":"chk_d14f99a3fa246881","chunk_index":1,"chunk_sha256":"4d80c5c6edcfde183c13ac44d7fe80d04ff5d2d510e340af822d862daceed76e","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b19230481d59337e","text_sha256":"4d80c5c6edcfde183c13ac44d7fe80d04ff5d2d510e340af822d862daceed76e","token_estimate":265,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/completion-report-uad-36-compliance-rules-available-uad-compliance-api.pdf"]},"text":"To schedule your verification with the GSEs, please contact one of the below GSE contacts:\n•\n•\n\nFannie Mae: Hannah Redmond, hannah_redmond@fanniemae.com\nFreddie Mac: Bailie Jones, bailie_jones@freddiemac.com\n\nAs you use each GSE’s UAD Compliance API, please notify the same GSE contacts if you notice any discrepancies between the\nresults provided by the API and the UAD 3.6 Compliance Rules listed on the GSEs’ websites.\n\nIf you are interested in an integration to the Fannie Mae UAD Compliance API, follow the link to the TSP Intake Form\nbelow.\n\nTSP Intake Form\n\nWe will review your information and contact you with the next steps including contractual requirements and credential setup\nto access our API Developer Portal.\n\nOtherwise, please ensure you have access to our API Developer Portal and respond to this email to inform me of your timeline\nfor building to the API. Additional resources for the Uniform Appraisal Data (UAD) Compliance API (UCA) can be reached via\nFannie Mae’s Technology Integration Resources.\n\n© 2025 Fannie Mae 5.19.25 Page 1 of 1\n"}
diff --git a/chunks/json/4d832d6dc8d65ba4deb9cb4be82c9c2fccf56876c85f8ffe0abb973ea31a256e.json b/chunks/json/4d832d6dc8d65ba4deb9cb4be82c9c2fccf56876c85f8ffe0abb973ea31a256e.json
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index 0000000000000000000000000000000000000000..87b9254fb38936a09f06550859ae653d996352de
--- /dev/null
+++ b/chunks/json/4d832d6dc8d65ba4deb9cb4be82c9c2fccf56876c85f8ffe0abb973ea31a256e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":5220,"char_start":4437,"chunk_id":"chk_91ac1a1e23ffb5b1","chunk_index":5,"chunk_sha256":"4d832d6dc8d65ba4deb9cb4be82c9c2fccf56876c85f8ffe0abb973ea31a256e","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"4d832d6dc8d65ba4deb9cb4be82c9c2fccf56876c85f8ffe0abb973ea31a256e","token_estimate":567,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"Data Mapping and PDF Rendering Information .................................................................................................................................................................. 13\n\n03 Appraisal Update ________________________________________________________________________________________________________ 14\n\nOverview .............................................................................................................................................................................................................................. 14\n\nData Mapping and PDF Rendering Information .................................................................................................................................................................. 14\n"}
diff --git a/chunks/json/4da292181eb20f4a3084ab009fb49825f87b1919144d7269b25a5ba1f407de3b.json b/chunks/json/4da292181eb20f4a3084ab009fb49825f87b1919144d7269b25a5ba1f407de3b.json
new file mode 100644
index 0000000000000000000000000000000000000000..3fe00c885b5844360bfeabd8c88ddd153c01c016
--- /dev/null
+++ b/chunks/json/4da292181eb20f4a3084ab009fb49825f87b1919144d7269b25a5ba1f407de3b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":222148,"char_start":220516,"chunk_id":"chk_606661bd5601decd","chunk_index":124,"chunk_sha256":"4da292181eb20f4a3084ab009fb49825f87b1919144d7269b25a5ba1f407de3b","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"4da292181eb20f4a3084ab009fb49825f87b1919144d7269b25a5ba1f407de3b","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":"• Is a 100% newly constructed dwelling that does not exhibit physical\ndepreciation.\n\nA dwelling in C2 condition:\n\n• Has been recently constructed (within the past 36 months), and\notherwise exhibits virtually no wear and tear, but is no longer new due\nto occupancy or use (e.g., model home), or\n\n• Has been fully remodeled \"to the studs\" including new major\ncomponents; a new dwelling built utilizing the footprint or façade of a\npre-existing dwelling; or a newly converted condo/co-op in a pre-\nexisting building.\n\nA dwelling in C3 condition will likely have:\n\n• Components or rooms that are older but have been very well\nmaintained or experienced minimal use, and show little or no physical\ndepreciation, or\n\n• Major components or rooms that have been recently updated, but\nwhich do not constitute a full-home renovation/remodel.\n\nExamples of major components include but are not limited to a\ncombination of (one or more):\n\n• Newer roof\n\n• Some newer mechanicals\n\n• New / newer floor coverings\n\n• Remodeled kitchen or bathroom(s)\n\nThe dwelling has been adequately\nmaintained and exhibits moderate wear\nand tear resulting from occupancy and\nexposure to elements. The dwelling may\nfeature some updating but otherwise\ncontains deferred maintenance items\nthat are generally minor or cosmetic in\nnature.\n\nA dwelling in C4 condition may have experienced some periodic\nupdating but most components are near the middle of their life cycle.\nCommon deferred maintenance resulting from typical use is apparent\nbut presents no immediate impact.\n\nExamples include, but are not limited to:\n\n• Minor damage to walls or trim (interior or exterior)\n"}
diff --git a/chunks/json/4da37f1cc3c0528c263bdeef9d2f8eb84565df30d5957f3446e94f900b5a3138.json b/chunks/json/4da37f1cc3c0528c263bdeef9d2f8eb84565df30d5957f3446e94f900b5a3138.json
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index 0000000000000000000000000000000000000000..eeec765848e4d0ebd28efe23f318dfb9a699c23e
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+++ b/chunks/json/4da37f1cc3c0528c263bdeef9d2f8eb84565df30d5957f3446e94f900b5a3138.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":85072,"char_start":83455,"chunk_id":"chk_9065257dc7d901b7","chunk_index":82,"chunk_sha256":"4da37f1cc3c0528c263bdeef9d2f8eb84565df30d5957f3446e94f900b5a3138","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"4da37f1cc3c0528c263bdeef9d2f8eb84565df30d5957f3446e94f900b5a3138","token_estimate":404,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"29.031\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\n29.032\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\nAppraisal 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\nHF.005\nHF.006\nHF.007\nHF.008\n\nUniform Residential Appraisal Report\n\nHF.001\n\nPage [Page] of [Pages]\n\n29.033\n\n13. Using information available in the normal course of business, I researched, verified, analyzed, and reported on the prior sales of the\ncomparable sales for a minimum of one year prior to the date of sale of the comparable sale.\n\n29.034\n\n14. I based my valuation on the available properties that are most similar to the subject property.\n\n29.035\n\n15. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been\nbuilt or will be built on the land.\n"}
diff --git a/chunks/json/4da7d3fc07a9897e0005f180b4181c39e52a3e404a562fcfd1367bdeb854442b.json b/chunks/json/4da7d3fc07a9897e0005f180b4181c39e52a3e404a562fcfd1367bdeb854442b.json
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+{"chunk":{"char_end":1005606,"char_start":1003559,"chunk_id":"chk_53140b0012a61d68","chunk_index":599,"chunk_sha256":"4dbb1a34f277016de51df2219bc07bc4726e871ef014e8006e352cb0ebe12e1b","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"4dbb1a34f277016de51df2219bc07bc4726e871ef014e8006e352cb0ebe12e1b","token_estimate":512,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/REPORT/@AppraisalFormType\n\n10\n\nEnumerated\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nEmbedded File\n\nN/A\n\n/VALUATION_RESPONSE/REPORT/EMBEDDED_FILE/DOCUMENT\n\nN/A\n\nN/A\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\n2\n\n3\n\n4\n\n5\n\n6\n\n1\n\n1\n\n1\n\n1\n\n2\n\n3\n\n4\n\nHEADER\n\nBLANK\n\nHEADER\n\nFile #\n\nHEADER\n\nBLANK\n\n4a\n\nHEADER\n\nBLANK\n\nReport Title\nDescription\n\nAppraiser File\nIdentifier\n\nAppraiser\nAdditional File\nIdentifier Name\n\nAppraiser\nAdditional File\nIdentifier\n\nThis is an identifier or number used by\nthe appraiser to identify their reports. It is\ngenerally specific to the appraiser.\nSecondary report identifier used by the\nappraiser to identify appraisal reports.\nThis field may carry the FHA number,\ncase number, loan number or some other\nidentifier.\nUsed to indicate by name the type of\nidentifier represented by\nAppraisersAdditionalFileIdentifier.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier\nName\n\n50\n\nString\n\nThis field occurs on every page of the form and must be consistent. The placement\nof the header on the form varies from vendor to vendor. The print reference\nplacement on Appendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms vendor\nsoftware.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier\n\n50\n\nString\n\nAllowable Values:\nFNM1004\nFNM1073\nFNM1075\nFNM2055\n\nNote: the values shown above are Fannie Mae form numbers. The comparable\nforms are:\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\nin Portable Document Format (.pdf) with Base64 encoding.\nThis field occurs on every page of the form and must be consistent. The placement\nof the header on the form varies from vendor to vendor. The print reference\nplacement on Appendix C is not required and is for illustrative purposes only.\n"}
diff --git a/chunks/json/4dc84884537f7557f143971ff51774a6ca8d416d0345ec71e55f8874d48e223b.json b/chunks/json/4dc84884537f7557f143971ff51774a6ca8d416d0345ec71e55f8874d48e223b.json
new file mode 100644
index 0000000000000000000000000000000000000000..f49745456653c4a7f16e8cd822d1d926488e86b8
--- /dev/null
+++ b/chunks/json/4dc84884537f7557f143971ff51774a6ca8d416d0345ec71e55f8874d48e223b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":227344,"char_start":225709,"chunk_id":"chk_843012f4d0a24fa9","chunk_index":213,"chunk_sha256":"4dc84884537f7557f143971ff51774a6ca8d416d0345ec71e55f8874d48e223b","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"4dc84884537f7557f143971ff51774a6ca8d416d0345ec71e55f8874d48e223b","token_estimate":408,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"8.044\n\nCondition Status\n\n0300.0054\n\nImprovementComponentConditionStatusType\n\nAlways displays\n\n8.045\n\nCondition Comment\n\n0300.0100\n\nImprovementComponentConditionDescription\n\n… AND Exists\n\nFigure 8 - 3\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 162\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 163\n\nNoncontinuous Finished Area\n\nThe Noncontinuous Finished Area subsection displays when there is noncontinuous finished area related to the dwelling. Noncontinuous\nfinished areas are defined as finished area(s) in the dwelling that are attached to the dwelling but separate and not directly accessible from\nany unit.\n\nThis subsection does not display for properties with multiple units, or if there is no noncontinuous finished area.\n\nThe NonContinuousFinishedAreaIndicator (UID: 0300.0114, FID: Not on report) triggers the subsection.\n\n• When false, the subsection does not display.\n\n• When true, display the text, “The table below depicts any finished area that is attached to the dwelling but separate and not directly\naccessible from any unit” (FID: 8.046) in italics below the subsection header (gray bar) and provide the following (Figure 8 - 4):\n\n• Total Area - StructureNonContinuousFinishedAreaMeasure (UID: 0300.0115, FID: 8.047). Display Area and Unit of Measure in same\n\ncell.\n\n• Room Summary – Display Room Count - Room Type in same row. If the count is zero, do not display.\n\no TotalRoomCount (UID: 0300.0020, FID: 8.048)\no RoomType (UID: 0300.0018, FID: 8.048)\n\nFigure 8 - 4\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nMechanical System Details\n\nThe Mechanical System Details subsection always displays.\n"}
diff --git a/chunks/json/4dc85cff7b606a4032ed66bb381884ede5c98d7e7ee9dfd855b659469308a9fd.json b/chunks/json/4dc85cff7b606a4032ed66bb381884ede5c98d7e7ee9dfd855b659469308a9fd.json
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+++ b/chunks/json/4dc85cff7b606a4032ed66bb381884ede5c98d7e7ee9dfd855b659469308a9fd.json
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+{"chunk":{"char_end":1756,"char_start":0,"chunk_id":"chk_02441e53b7784457","chunk_index":0,"chunk_sha256":"4dc85cff7b606a4032ed66bb381884ede5c98d7e7ee9dfd855b659469308a9fd","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b8a999535ff3840d","text_sha256":"4dc85cff7b606a4032ed66bb381884ede5c98d7e7ee9dfd855b659469308a9fd","token_estimate":439,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-integration-impact-memo-july-20-2024a.pdf"]},"text":"Desktop Underwriter/Desktop Originator Integration Impact Memo\nDU Version 11.1 July Update\n\nMay 29, 2024\n\nDuring the weekend of July 20, 2024, 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 during or after the weekend of July 20, 2024.\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\nNew Messages\n\nModified Messages\n\nRetired Messages\n\n7\n\n10\n\n2\n\nThe “draft” DU messages file will be distributed via email from Integration News (integration_news@fanniemae.com) to\nauthorized subscribers on or about June 5, 2024.\n\nRelease Support\n\nThe DU Version 11.1 July Update will be implemented in the DU integration environment on or around June 26, 2024.\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 DU page or contact your Fannie Mae\nrepresentative.\n"}
diff --git a/chunks/json/4dcd15a483b2c5f3eef2240d09df6e1b8469604a4e5a2b6dd45e6e9be984ba59.json b/chunks/json/4dcd15a483b2c5f3eef2240d09df6e1b8469604a4e5a2b6dd45e6e9be984ba59.json
new file mode 100644
index 0000000000000000000000000000000000000000..5c8d4d99938953c69d00282878438b09e1da8bc8
--- /dev/null
+++ b/chunks/json/4dcd15a483b2c5f3eef2240d09df6e1b8469604a4e5a2b6dd45e6e9be984ba59.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":2738,"char_start":1782,"chunk_id":"chk_1a77456bd46197ca","chunk_index":1,"chunk_sha256":"4dcd15a483b2c5f3eef2240d09df6e1b8469604a4e5a2b6dd45e6e9be984ba59","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"4dcd15a483b2c5f3eef2240d09df6e1b8469604a4e5a2b6dd45e6e9be984ba59","token_estimate":401,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"Term\nReport Label\nReport Field ID (FID)\n\nDefinition\nThe name of the field as shown on the URAR.\nA red number identifying the specific location of the field on the URAR. Report Field ID (FID) is also referenced in:\n\n\n\n\nAppendix A‐1: UAD URAR Delivery Specification\nAppendix B‐1: URAR Implementation Guide\nAppendix F‐1: URAR Reference Guide\n\n1.000\n\n1.001\n\n1.085\n\n1.002\n\n1.003\n\n1.004\n\n1.005\n\n1.006\n\n1.007\n\n1.008\n\n1.012\n\n1.013\n\n1.014\n\n1.015\n\n1.016\n\n1.017\n\n1.018\n\n1.019\n\n1.020\n\n1.024\n\n1.021\n\n1.022\n\n1.023\n\n1.025\n\n1.026\n\n1.027\n\n1.028\n\n1.029\n\n1.009\n\n1.010\n\n1.011\n\n1.030\n\n1.031\n\n1.000.1\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\n1.033\n\n1.040\n\n1.048\n\n1.055\n\n1.063\n\n1.069\n\n1.075\n\n1.046 - 1.047\n"}
diff --git a/chunks/json/4dd29cba0667afac524fcd92c11d42bcf66e37114017024f69a8c93066188886.json b/chunks/json/4dd29cba0667afac524fcd92c11d42bcf66e37114017024f69a8c93066188886.json
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+++ b/chunks/json/4dd29cba0667afac524fcd92c11d42bcf66e37114017024f69a8c93066188886.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":22886,"char_start":22398,"chunk_id":"chk_eb97bb79b22c3225","chunk_index":35,"chunk_sha256":"4dd29cba0667afac524fcd92c11d42bcf66e37114017024f69a8c93066188886","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"4dd29cba0667afac524fcd92c11d42bcf66e37114017024f69a8c93066188886","token_estimate":427,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Functional Obsolescence Exhibits (H1) ............................................................................................................... 49\n\nOutbuilding ................................................................................................................................................... 49\n\nDetail (H1) ........................................................................................................................................................... 50\n"}
diff --git a/chunks/json/4ddc1be8e5fe8b1b91fc3e7a3c8686d41ee11f3f2edf481d448a4ed5caf182ac.json b/chunks/json/4ddc1be8e5fe8b1b91fc3e7a3c8686d41ee11f3f2edf481d448a4ed5caf182ac.json
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diff --git a/chunks/json/4ddf191e5410bf508ef5d95a5aa290cea16a91c0c9ca5dba1f079b1437a98cce.json b/chunks/json/4ddf191e5410bf508ef5d95a5aa290cea16a91c0c9ca5dba1f079b1437a98cce.json
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index 0000000000000000000000000000000000000000..ad7635d3306abbb3b8889d7c0c1532fce8a666a8
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+++ b/chunks/json/4ddf191e5410bf508ef5d95a5aa290cea16a91c0c9ca5dba1f079b1437a98cce.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":490918,"char_start":489227,"chunk_id":"chk_ecc10d148481d9f9","chunk_index":283,"chunk_sha256":"4ddf191e5410bf508ef5d95a5aa290cea16a91c0c9ca5dba1f079b1437a98cce","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"4ddf191e5410bf508ef5d95a5aa290cea16a91c0c9ca5dba1f079b1437a98cce","token_estimate":423,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"This is where the Kitchen photo would display.\n\nLevel 1 - Living Room\n\nWet Bar\n\nThis is where the Living Room photo would display.\n\nThis is where the Wet Bar photo would display.\n\nFunctional Obsolescence\n\nFunctional Issues\n\nNone\n\nAppraisal Version #1Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Single Family Scenario 3 (SF3)\n\nUniform Residential Appraisal Report\n\nPage 10 of 23\n\nOutbuilding - Standalone ADU\n\nConsidered Real Property\nUnits in Structure\nGross Building Area\n\nYes\n1\n464 Sq. Ft.\n\nGross Building Area for the outbuilding includes area for vehicle storage,\nADU(s), and any other uses\n\nThis is where the Standalone ADU Front photo would display.\n\nDetail\n\nUtilities\n\nElectricity\nSanitary Sewer\nWater\n\nMechanical System Details\n\nHeating\n\nCooling\n\nSystem\nForced Warm Air\n\nDetail\nElectric\n\nNone\n\nThe table below depicts the area of the outbuilding, excluding vehicle\nstorage and any ADU(s)\nFinish\nFinished\n\nTotal Area\n0 Sq. Ft.\n\nRoom Summary\n\nUnfinished\n\n0 Sq. Ft.\n\nApparent Defects, Damages, Deficiencies (Standalone ADU)\n\nNone\n\nOutbuilding Commentary\n\nThe subject’s outbuilding is a standalone ADU. Please see the Unit Interior - Standalone ADU for details and comments.\n\nOutbuilding Exhibits\n\nRear View\n\nThis is where the Standalone ADU Rear photo would display.\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 11 of 23\n\nLevels in Unit\nOccupancy\nUtilities Separately Metered\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n"}
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diff --git a/chunks/json/4dfec55d60720b99e733573d1fc7ed04eea0c351e7dfdaebb4d197a240fe707b.json b/chunks/json/4dfec55d60720b99e733573d1fc7ed04eea0c351e7dfdaebb4d197a240fe707b.json
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+{"chunk":{"char_end":13095,"char_start":12643,"chunk_id":"chk_b766d3f90f670276","chunk_index":20,"chunk_sha256":"4dfec55d60720b99e733573d1fc7ed04eea0c351e7dfdaebb4d197a240fe707b","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"4dfec55d60720b99e733573d1fc7ed04eea0c351e7dfdaebb4d197a240fe707b","token_estimate":420,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Intended User ............................................................................................................................................................................................................... 48\n\nCertifications ................................................................................................................................................................................................................ 49\n"}
diff --git a/chunks/json/4e08ceddcf22524878397070328a36b8b4da0394bd625c1b2a847782d5a3cf1b.json b/chunks/json/4e08ceddcf22524878397070328a36b8b4da0394bd625c1b2a847782d5a3cf1b.json
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+{"chunk":{"char_end":253752,"char_start":252021,"chunk_id":"chk_1d61c7d5c9eee753","chunk_index":229,"chunk_sha256":"4e08ceddcf22524878397070328a36b8b4da0394bd625c1b2a847782d5a3cf1b","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"4e08ceddcf22524878397070328a36b8b4da0394bd625c1b2a847782d5a3cf1b","token_estimate":433,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"10.028\n\nAllowable Work Space\n\n0700.0101\n\nAllowableWorkSpaceAreaMeasure\n\nDisplay when AllowableLiveWorkSpaceIndicator = \"true\"\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point/Attribute Name\n\nDisplay Rules\n\nUnit Interior: Level and Room Detail (Figure 10 - 8)\n\n10.029\n\nLevel in Unit\n\n0700.0030\n\nLevelType\n\nAlways displays and repeats for each level\n\n-\n\nDisplay in order from the lowest grade to the highest. Example: B2, B1, 1, 2.\n\n10.030\n\nGrade Level Detail\n\n0700.0027\n\nBelowGradeExteriorAccessType\n\nDisplay when AccessType = \"ExteriorAccessOnly\" OR \"InteriorAndExteriorAccess\"\n\n0700.0026\n\nAccessType\n\nDisplay when GradeLevelType = \"FullyBelowGrade\" OR \"PartiallyBelowGrade\"\n\n0700.0029\n\nGradeLevelType\n\nAlways displays\n\n10.031\n\nFinish\n\n10.032\n\nArea\n\nLevelFinishedAreaMeasure\n\n0700.0137\n\n@UnitOfMeasureType\n\nDisplay when Finished Area > 0. If 0, the row does not display.\n\n-\n-\n-\n\nDisplay text \"Finished\" in the Finish column\nDisplay Area and Unit of Measure in same cell in the Area column\nFinished Area repeats for each level\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point/Attribute Name\n\nDisplay Rules\n\nUnit Interior: Level and Room Detail (Figure 10 - 8)\n\n10.031\n\nFinish\n\n10.032\n\nArea\n\nLevelUnfinishedAreaMeasure\n\n0700.0138\n\n@UnitOfMeasureType\n\nDisplay when Unfinished Area > 0. If 0, the row does not display.\n\n-\n-\n-\n\nDisplay text \"Unfinished\" in the Finish column\nDisplay Area and Unit of Measure in same cell in the Area column\nUnfinished Area repeats for each level\n\n10.033\n\nRoom Summary\n\n0700.0035\n\nRoomType\n\nThe room count in the ‘Level and Room Detail’ table is not delivered in data but is\nderived by counting the number of each RoomType per LevelType.\n"}
diff --git a/chunks/json/4e0a3054dafd14c4c2cc1ad667417efc58c054fc8def9d31d5f7cb227b837293.json b/chunks/json/4e0a3054dafd14c4c2cc1ad667417efc58c054fc8def9d31d5f7cb227b837293.json
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+++ b/chunks/json/4e0a3054dafd14c4c2cc1ad667417efc58c054fc8def9d31d5f7cb227b837293.json
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+{"chunk":{"char_end":621420,"char_start":619804,"chunk_id":"chk_e88a9ffa28bce15a","chunk_index":357,"chunk_sha256":"4e0a3054dafd14c4c2cc1ad667417efc58c054fc8def9d31d5f7cb227b837293","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"4e0a3054dafd14c4c2cc1ad667417efc58c054fc8def9d31d5f7cb227b837293","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Original 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\nName\nCompany Name\nCompany Address\n\nDEF Bank\n200 Elm St\nAnytown, VA 12346\n\nAllan Appraiser\nXYZ Appraisal Company\n300 Maple St\nAnytown, VA 12345\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nPhysical\nNo Inspection\n03/20/2020\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nCertified Residential\n1234456A\nVA\n03/31/2022\n"}
diff --git a/chunks/json/4e15a98eadb0545bc7c64cbe6986687cdc483ccc9b850ccc7ccbc4da88525381.json b/chunks/json/4e15a98eadb0545bc7c64cbe6986687cdc483ccc9b850ccc7ccbc4da88525381.json
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--- /dev/null
+++ b/chunks/json/4e15a98eadb0545bc7c64cbe6986687cdc483ccc9b850ccc7ccbc4da88525381.json
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+{"chunk":{"char_end":366505,"char_start":364904,"chunk_id":"chk_aacb15cda941fd2e","chunk_index":203,"chunk_sha256":"4e15a98eadb0545bc7c64cbe6986687cdc483ccc9b850ccc7ccbc4da88525381","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"4e15a98eadb0545bc7c64cbe6986687cdc483ccc9b850ccc7ccbc4da88525381","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Page 167 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n11.0 K. Due from Borrower at Closing\n\nSummaries of Transactions\nBORROWER’S TRANSACTION (11.0 – 13.0)\n\n11.0 K. Due from Borrower at Closing\n\n11.0.1\n\n$252,347.30\n\n11.5 Adjustments\n\n05 Tenant Security Deposit\n\n11.5.1\n\n$100.00\n\n06 $500 Principal Reduction for exceeding legal\nlimits P.O.C. Ficus Bank\n\nFigure 95. Adjustments to Items Due from Borrower at Closing\n\nAdditionally, the description and amount of any other items owed by the borrower(s) at closing that were not\nalready disclosed in the Loan Costs or Other Costs tables, or Section K must be disclosed. Examples include\noutstanding real estate property taxes or a principal reduction, as shown in Figure 95.\n\nThe data points used to provide this information are shown in the table below. Adjustments line items are\nrepresented by data under CLOSING_ADJUSTMENT_ITEM. This container repeats for each line item identified by\nthe value of ClosingAdjustmentItemType. The section of BORROWER’S TRANSACTION for which an adjustment\nitem is relevant is specified using the value of IntegratedDisclosureSectionType and/or\nIntegratedDisclosureSubsectionType.\n\nTable 111. Adjustments to Items Due from Borrower at Closing\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\nFirst instance of CLOSING_ADJUSTMENT_ITEM_DETAIL\n\n11.5\n\nTenant Security\nDeposit\n\n…/CLOSING_ADJUS\nTMENT_ITEM_DET\nAIL\n\nClosingAdjustmentI\ntemType\n\nTenantSecurityDep\nosit\n\nRepresented on\nform as “Tenant\nSecurity Deposit”\n\n11.5.1 Tenant Security\n\nDeposit ($)\n\n11.5.1 N/A\n\n11.5\n"}
diff --git a/chunks/json/4e470d83bfb673eee0c056770fb31c1409e85929ca014eb926157522b27ae441.json b/chunks/json/4e470d83bfb673eee0c056770fb31c1409e85929ca014eb926157522b27ae441.json
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index 0000000000000000000000000000000000000000..731880ad3939c658f064b43e3a658328bb94ee84
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+++ b/chunks/json/4e470d83bfb673eee0c056770fb31c1409e85929ca014eb926157522b27ae441.json
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+{"chunk":{"char_end":159126,"char_start":157495,"chunk_id":"chk_659b159c51aa0171","chunk_index":92,"chunk_sha256":"4e470d83bfb673eee0c056770fb31c1409e85929ca014eb926157522b27ae441","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"4e470d83bfb673eee0c056770fb31c1409e85929ca014eb926157522b27ae441","token_estimate":408,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Historic District\n\nIndustrial Area\n\nA district designated to be of historical significance by a recognized authority.\n\nAn area intended for the production of manufactured goods (e.g., factories).\n\nLocal Distribution Line\n\nElectric lines that commonly supply power to residential housing developments, similar facilities and individual properties.\n\nOil or Gas Well\n\nOverhead Electric Power\nTransmission Line\n\nPark\n\nElectric lines that supply power from power generation stations to local distribution lines.\n\nPublic Transportation Hub\n\nA location where public transportation can be accessed (e.g., bus transfer station, metro station).\n\nRail Line\n\nResidential\n\nSchool\n\nThe rail line used by commercial or commuter trains (e.g., railroad tracks, metro tracks).\n\nStormwater Retention\n\nAn area designed to hold or retain stormwaters on a permanent basis.\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list. Example: Place of Worship\n\nInformation for each Site Influence\n\nSite: Information for each Site Influence\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n4.026\n\nProximity\n\nRequired for each site\ninfluence\n\n4.027\n\nDetail\n\nRequired if Site\nInfluence is Body of\nWater\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom table\n(Proximity)\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nProximity of the site influence or body of water to the property.\n•\n•\n•\n\nBordering\nOffsite\nOnsite\n\nBay\nCanal\nCove\nCreek\nGulf\nLake\n\nBody of Water Type\n•\n•\n•\n•\n•\n•\n• Marsh\n•\nOcean\n•\nPond\n•\nReservoir\n•\nRiver\n•\nSound\n•\nOther (Describe)\n"}
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+{"chunk":{"char_end":56644,"char_start":56033,"chunk_id":"chk_29a8928adfd6ac19","chunk_index":58,"chunk_sha256":"4e61e8fcf81debb71486d41d75d064bf4a2b18412d32b3bedbd138c7fbc5a8c3","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"4e61e8fcf81debb71486d41d75d064bf4a2b18412d32b3bedbd138c7fbc5a8c3","token_estimate":400,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:12)(cid:25)(cid:18)(cid:41)(cid:36)(cid:34)(cid:48)(cid:8)(cid:36)(cid:43)(cid:48)(cid:16)(cid:41)(cid:25)(cid:23)(cid:48)\n\n(cid:4)(cid:36)(cid:32)(cid:32)(cid:25)(cid:34)(cid:43)(cid:48)\n\n(cid:7)(cid:7)(cid:1)(cid:5)(cid:13)(cid:1)(cid:3)(cid:5)(cid:24) (cid:7)(cid:7)(cid:1)(cid:5)(cid:13)(cid:1)(cid:3)(cid:7)(cid:24)\n\n(cid:7)(cid:7)(cid:1)(cid:5)(cid:13)(cid:1)(cid:3)(cid:8)(cid:24)\n\n(cid:7)(cid:7)(cid:1)(cid:5)(cid:13)(cid:1)(cid:3)(cid:9)(cid:24)\n\n(cid:7)(cid:7)(cid:1)(cid:5)(cid:13)(cid:1)(cid:4)(cid:11)(cid:24)\n\n(cid:7)(cid:7)(cid:1)(cid:5)(cid:13)(cid:1)(cid:3)(cid:12)(cid:24)\n\n(cid:1)(cid:2)\n"}
diff --git a/chunks/json/4e6517e4b1fef8bc02b737325d4a838109536f5a8174ba622a04abba0f65d657.json b/chunks/json/4e6517e4b1fef8bc02b737325d4a838109536f5a8174ba622a04abba0f65d657.json
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+{"chunk":{"char_end":13573,"char_start":13209,"chunk_id":"chk_1af79072d783d719","chunk_index":8,"chunk_sha256":"4e6517e4b1fef8bc02b737325d4a838109536f5a8174ba622a04abba0f65d657","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_5a40ad32f513b121","text_sha256":"4e6517e4b1fef8bc02b737325d4a838109536f5a8174ba622a04abba0f65d657","token_estimate":91,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF2_Appraisal/_.xml/SF2_Appraisal_v1.3.xml","below_target_min_tokens"]},"text":"Amy\n\nAppraiser\n\n22 A St NE\n\nWashington\n\n10001\n\nDC\n\nXYZ Appraisal Company\n\nLicensedResidentialAppraiser\n\n2021-02-21\n\n3333333333\n\nMD\n\nAppraiser\n\nAppraisalFee\n\n0\n\nBetty\n\nBorrower\n\nBorrower\n\nBob\n\nBorrower\n\nBorrower\n\nJohn\n\nDoe\n\nPropertySeller\n\nPropertyOwner\n\nValuation\n\n2019-08-07\n\n\\\\SF2_Appraisal_v1.3.pdf\n\napplication/pdf\n\n1\n\nAppraisalReport\n\nFNM_FRE\n\nSeptember 2024\n"}
diff --git a/chunks/json/4e6e12275bc6fe7e0ceed0bfaa461a043e80ba3a4eac34e20e64db1f06b7d909.json b/chunks/json/4e6e12275bc6fe7e0ceed0bfaa461a043e80ba3a4eac34e20e64db1f06b7d909.json
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+{"chunk":{"char_end":194694,"char_start":193063,"chunk_id":"chk_88fb0e8e3ce1b9ec","chunk_index":108,"chunk_sha256":"4e6e12275bc6fe7e0ceed0bfaa461a043e80ba3a4eac34e20e64db1f06b7d909","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"4e6e12275bc6fe7e0ceed0bfaa461a043e80ba3a4eac34e20e64db1f06b7d909","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"/IntegratedDisclosureSubsectionPaymentTimingType>\n\n</INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENT>\n</INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENTS>\n\nUCD v2.0 Implementation Guide\n\n- 83 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 63. XML Snippet-INTEGRATED_DISCLOSURE_SECTION_SUMMARIES-Other Costs Table.\n\n</INTEGRATED_DISCLOSURE_SECTION_SUMMARY>\n<INTEGRATED_DISCLOSURE_SECTION_SUMMARY>\n\n<INTEGRATED_DISCLOSURE_SECTION_SUMMARY_DETAIL>\n\n<IntegratedDisclosureSectionType>TotalClosingCosts</IntegratedDisclosureSectionType>\n<IntegratedDisclosureSubsectionType>LenderCredits</IntegratedDisclosureSubsectionType>\n<LenderCreditToleranceCureAmount>0.00</LenderCreditToleranceCureAmount>\n\n</INTEGRATED_DISCLOSURE_SECTION_SUMMARY_DETAIL>\n<INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENTS>\n<INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENT>\n\n<IntegratedDisclosureSubsectionPaidByType>Buyer</IntegratedDisclosureSubsectionPaidByType>\n<IntegratedDisclosureSubsectionPaymentAmount>-200.00</IntegratedDisclosureSubsectionPaymentAmount>\n<IntegratedDisclosureSubsectionPaymentTimingType>AtClosing<\n\n/IntegratedDisclosureSubsectionPaymentTimingType>\n\n</INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENT>\n</INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENTS>\n\n</INTEGRATED_DISCLOSURE_SECTION_SUMMARY>\n\n<!-- End of Total Closing Costs Table -->\n<!—Summaries of Transactions -->\n\n<INTEGRATED_DISCLOSURE_SECTION_SUMMARY>\n\n<INTEGRATED_DISCLOSURE_SECTION_SUMMARY_DETAIL>\n\n<IntegratedDisclosureSectionTotalAmount>193409.29</IntegratedDisclosureSectionTotalAmount>\n <IntegratedDisclosureSectionType>DueFromBorrowerAtClosing</IntegratedDisclosureSectionType>\n"}
diff --git a/chunks/json/4e6e4d5923de3bfe7697706db6f939bf71b25a60f0d9af2bd2e7444d00cf9fc9.json b/chunks/json/4e6e4d5923de3bfe7697706db6f939bf71b25a60f0d9af2bd2e7444d00cf9fc9.json
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+{"chunk":{"char_end":379525,"char_start":377712,"chunk_id":"chk_12300c737ddaf234","chunk_index":211,"chunk_sha256":"4e6e4d5923de3bfe7697706db6f939bf71b25a60f0d9af2bd2e7444d00cf9fc9","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"4e6e4d5923de3bfe7697706db6f939bf71b25a60f0d9af2bd2e7444d00cf9fc9","token_estimate":453,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"o bona fide and documented transportation costs,\n\no costs for site preparation, which may include the cost to remove an existing manufactured home and other\n\noutbuildings,\n\no\n\nfoundation,\n\no establishing utilities,\n\no all site improvements, and\n\no dwelling installation at the site.\n\nAny personal property items (non-realty items) purchased in conjunction with the manufactured home must be deducted\nfrom the sales price and cannot be financed as part of the loan.\n\nDown Payment Requirements\n\nA minimum down payment of 5% must come from the borrower’s own funds unless:\n\n•\n\nthe LTV or CLTV ratio is less than or equal to 80%;\n\n•\n\nthe borrower is purchasing a one-unit principal residence and meets the requirements to use gifts, donated grant\nfunds, or funds received from an employer to pay for some or all of the borrower's minimum contribution. See B3-4.3-\n04, Personal Gifts; B3-4.3-06, Grants and Lender Contributions; and B3-4.3-08, Employer Assistance, for additional\ninformation; or\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 152 of 166\n\nUAD 3.6 Policy\n•\n\nthe property meets the MH Advantage requirements and the loan meets the requirements for LTV ratios of 95.01-97%.\nIn this case, the borrower must contribute a minimum down payment of 3%, from their own funds unless the loan\nmeets the gift, grant, or funds from an employer policy referenced above.\n\nThe borrower's equity in the land is considered the borrower’s own funds. Where the borrower holds title to the land on which\nthe manufactured home will be permanently attached, the value of the land may be credited toward the borrower’s minimum\ndown payment (or equity requirement for a refinance). The borrower’s equity contribution will be the difference between any\noutstanding liens against the land and the market value of the land.\n"}
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+++ b/chunks/json/4e703557866db9ddccbba3d02c4eb28d718ab5aebcdae4f84cc36600d77c975a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":98819,"char_start":97237,"chunk_id":"chk_4e6986867097f423","chunk_index":58,"chunk_sha256":"4e703557866db9ddccbba3d02c4eb28d718ab5aebcdae4f84cc36600d77c975a","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"4e703557866db9ddccbba3d02c4eb28d718ab5aebcdae4f84cc36600d77c975a","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"This is where the photo\nof 123 Something\nPl would display.\n\nThis is where the photo\nof 123 Something\nPl would display.\n\nThis is where the\nphoto of 341 Nothing\nDr would display.\n\nSubject Property\n171 Cowboy Ln\nAnyplace, TX 01234\n\nComparable #1\n181 Cattledrive St\nUnit B\nAnyplace, TX 01234\n\nComparable #2\n181 Cattledrive St\nUnit C\nAnyplace, TX 01234\n\nComparable #3\n123 Something Pl\nUnit 1\nAnyplace, TX 01234\n\nComparable #4\n123 Something Pl\nUnit 3\nAnyplace, TX 01234\n\nComparable #5\n341 Nothing Dr\nUnit 1\nAnyplace, TX 01234\n\nData Source:\nMLS XY-347981\n\nLease Start\nDate: 03/2022\n\nData Source:\nMLS XY-324819\n\nLease Start\nDate: 07/2022\n\nData Source:\nMLS XY-324720\n\nLease Start\nDate: 07/2022\n\nData Source:\nMLS XY-234895\n\nLease Start\nDate: 09/2022\n\nData Source:\nMLS XY-213840\n\nLease Start\nDate: 01/2023\n\nActual Rent: $2,700\n\nActual Rent: $2,700\n\nActual Rent: $2,500\n\nActual Rent: $2,500\n\nActual Rent: $2,600\n\nThis is where the\nphoto of 341 Nothing\nDr would display.\n\nComparable #6\n341 Nothing Dr\nUnit 4\nAnyplace, TX 01234\n\nData Source:\nMLS XY-258927\n\nLease Start\nDate: 02/2023\n\nActual Rent: $2,600\n\nComparable Rental Analysis\n\nProximity to Subject\n\nFloor Number\n\nInterior Condition\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area\n\nSubject\nUnit A\n\n1\n\nC3\n\n2\n\n2 | 0\n\n#1\n3 Miles N\n\n1\n\nC3\n\n2\n\n2 | 0\n\nComparables\n#3\n\n#5\n\nSubject\nUnit B\n\n4.5 Miles S\n\n3.5 Miles E\n\n#1\n3 Miles N\n\nComparables\n#3\n\n#5\n\n4.5 Miles S\n\n3.5 Miles E\n\n1\n\nC4\n\n2\n\n2 | 0\n\n1\n\nC3\n\n2\n\n2 | 0\n\n1\n\nC3\n\n2\n\n2 | 0\n\n1\n\nC3\n\n2\n\n2 | 0\n\n1\n\nC4\n\n2\n\n2 | 0\n\n1\n\nC3\n\n2\n\n2 | 0\n\n1,190 Sq. Ft.\n\n1,200 Sq. Ft.\n\n1,250 Sq. Ft.\n\n1,050 Sq. Ft.\n\n1,190 Sq. Ft.\n"}
diff --git a/chunks/json/4e76a23b0f355b1635e6ea84ffd96e3f0b41407a6bc1b3ee32fa102a3d86bb04.json b/chunks/json/4e76a23b0f355b1635e6ea84ffd96e3f0b41407a6bc1b3ee32fa102a3d86bb04.json
new file mode 100644
index 0000000000000000000000000000000000000000..30f743db7beee309d4ab18a6002b0c0f6c178fda
--- /dev/null
+++ b/chunks/json/4e76a23b0f355b1635e6ea84ffd96e3f0b41407a6bc1b3ee32fa102a3d86bb04.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":560119,"char_start":558438,"chunk_id":"chk_a75f4131059a821f","chunk_index":330,"chunk_sha256":"4e76a23b0f355b1635e6ea84ffd96e3f0b41407a6bc1b3ee32fa102a3d86bb04","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"4e76a23b0f355b1635e6ea84ffd96e3f0b41407a6bc1b3ee32fa102a3d86bb04","token_estimate":420,"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\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\nRefer to Appendix E for printing and parsing instructions.\n\nMoney\n\nPDF Display Format:\nIn dollars, to two decimal places.\n\nThis field should be populated if field 3-\n15 (Property Sales Amount) is\npopulated.\n\nT\n\nR\n\nT\n\nR\n\nT\n\nR\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 107 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\n340\n\n3\n\ne-15\n\nSALES\nCOMPARISON\nAPPROACH\n\nLocation\n\nGSE Location\nType\n\nThe type of location influences associated\nwith the property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_L\nOCATION_DETAIL_EXTENSION/COMPARISON_LOCATION_DETAIL_EX\nTENSION_SECTION[@ExtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_LOCATION_DETAIL_EXTENSION_SECTION_\nDATA/COMPARISON_LOCATION_DETAIL[@_SequenceIdentifier='1..2']/@\nGSELocationType\n\n20\n\nEnumerated\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"}
diff --git a/chunks/json/4e8c6c138d0b1835ddaa761e695da07b19bbf3d07c4f56c44f9a58cc2665faca.json b/chunks/json/4e8c6c138d0b1835ddaa761e695da07b19bbf3d07c4f56c44f9a58cc2665faca.json
new file mode 100644
index 0000000000000000000000000000000000000000..0532a54f3c3a879d651ca858e7aea0a05d231daf
--- /dev/null
+++ b/chunks/json/4e8c6c138d0b1835ddaa761e695da07b19bbf3d07c4f56c44f9a58cc2665faca.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":569436,"char_start":567648,"chunk_id":"chk_d348571f0d60f8b9","chunk_index":338,"chunk_sha256":"4e8c6c138d0b1835ddaa761e695da07b19bbf3d07c4f56c44f9a58cc2665faca","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"4e8c6c138d0b1835ddaa761e695da07b19bbf3d07c4f56c44f9a58cc2665faca","token_estimate":447,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Notes:\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\n22.07.14\n22.07.42\n\nFeatures for\nIndividuals w/\nDisabilities\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nUnit Interior\n•\n\nAccessibility\nFeature 10.050\n\nYes\n22.07.43\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nAccessibility Feature: A feature designed to provide accessibility and\nusability for a person with disabilities.\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n\nNone\nAppliances\nAuditory\nBathtub\nCabinets\nCounters\nDoorways\nElectrical Switches\nGrab Bars\nHandrails\nHardware\nLighting\nRamps\nShower\nSink\nToilet\nOther (Describe)\n\n22.07.16\n22.07.44\n\nAdditional\ndata element\ndisplays as the\nReport Label\n22.07.15\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nFree-form\n\nAdditional Row does not\npopulate from other\nsections; the appraiser\nmust enter information\nfor the subject property\n\nYes\n22.07.45\n\nAdditional Row\nThis row displays on the sales comparison grid when an additional data\nelement relevant to the unit 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\nAppendix F-1: URAR Reference Guide\n\nPage 249 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nQuality and Condition\n\nThe Quality and Condition subsection always displays on the sales comparison grid, and includes:\n• Exterior Quality and Condition – repeats for each structure, if the homeowner is responsible for exterior maintenance\n•\n• ADU Interior Quality and Condition – repeats for each ADU\n• Overall Quality and Condition – always displays\n"}
diff --git a/chunks/json/4eae11114e8fee0a957c400076f00b44cc47ead05634a0bbdcb3490ca3775077.json b/chunks/json/4eae11114e8fee0a957c400076f00b44cc47ead05634a0bbdcb3490ca3775077.json
new file mode 100644
index 0000000000000000000000000000000000000000..f2d7c40023c98cd398b28ab58b84ea034dc19756
--- /dev/null
+++ b/chunks/json/4eae11114e8fee0a957c400076f00b44cc47ead05634a0bbdcb3490ca3775077.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":617664,"char_start":616055,"chunk_id":"chk_9437446da4fc188d","chunk_index":367,"chunk_sha256":"4eae11114e8fee0a957c400076f00b44cc47ead05634a0bbdcb3490ca3775077","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"4eae11114e8fee0a957c400076f00b44cc47ead05634a0bbdcb3490ca3775077","token_estimate":402,"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 270 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: Outbuilding\n\nOutbuilding\n•\n\nOutbuilding\nUnfinished Area\nExcluding Vehicle\nStorage and ADU\n12.013\n\nOutbuilding\n•\n\nStructure Volume\n12.005\n\nOutbuilding 12.012\n•\n\nRoom Type is Bath\n– Full\nNumber of Rooms\n\n•\n\nOutbuilding 12.012\n•\n\nRoom Type is Bath\n– Half\nNumber of Rooms\n\n•\n\nOutbuilding 12.012\n•\nRoom Type is\nKitchen\nNumber of Rooms\n\n•\n\nOutbuilding\n•\n\nHeating System\nExists 12.008 If the\noutbuilding does\nnot contain\nADU(s)\n\nOutbuilding\n•\n\nHeating System\nType 12.014 if the\noutbuilding\ncontains ADU(s)\n\n22.14.04\n22.14.18\n\nUnfinished\nArea\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nNumber of square\nfeet\n\n22.14.05\n22.14.19\n\nStructure\nVolume\n\nIf relevant\n\n22.14.06\n22.14.20\n\n22.14.07\n22.14.21\n\n22.14.08\n22.14.22\n\n22.14.09\n22.14.23\n\nBaths - Full\n\nIf relevant\n\nBaths - Half\n\nIf relevant\n\nKitchens\n\nIf relevant\n\nHeating\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nNumber of cubic\nfeet\n\nNumber\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nNumber\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nNumber\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nYes | No\n\n22.14.09 Heating\n"}
diff --git a/chunks/json/4eb497f9db82a76ccb462bb45ecdbd0c8367afc8ed710e2925623dbbd56d4d25.json b/chunks/json/4eb497f9db82a76ccb462bb45ecdbd0c8367afc8ed710e2925623dbbd56d4d25.json
new file mode 100644
index 0000000000000000000000000000000000000000..f154ba51a0b8a1ffb8cef8c94aad687229aa7831
--- /dev/null
+++ b/chunks/json/4eb497f9db82a76ccb462bb45ecdbd0c8367afc8ed710e2925623dbbd56d4d25.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":100857,"char_start":99219,"chunk_id":"chk_f51e55733d611409","chunk_index":59,"chunk_sha256":"4eb497f9db82a76ccb462bb45ecdbd0c8367afc8ed710e2925623dbbd56d4d25","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"4eb497f9db82a76ccb462bb45ecdbd0c8367afc8ed710e2925623dbbd56d4d25","token_estimate":410,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"30\n\nString\n\nThis is a free text field which should contain a description of the shape of the\nparcel.\n\nUAD Requirement - Refer to Appendix D Site Section\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 for the subject property and\nmust be 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\nXML file, they must be shown exactly as they appear below:\n\nR\n\nT\n\nR\n\nR\n\nT\n\nR\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_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[@_SequenceIdentifier='1..\n2']/@GSEViewType\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\nThis data is referenced more than once on the form for the subject property and\nmust be represented consistently.\n"}
diff --git a/chunks/json/4eb9878cebce6b3f0486cec7963a83cea57a5a82b66275c8cb63369d6d14e754.json b/chunks/json/4eb9878cebce6b3f0486cec7963a83cea57a5a82b66275c8cb63369d6d14e754.json
new file mode 100644
index 0000000000000000000000000000000000000000..346362692f752365e2488ffeab1dc5d800f6cdd3
--- /dev/null
+++ b/chunks/json/4eb9878cebce6b3f0486cec7963a83cea57a5a82b66275c8cb63369d6d14e754.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":86842,"char_start":85136,"chunk_id":"chk_f476abba40d79f04","chunk_index":46,"chunk_sha256":"4eb9878cebce6b3f0486cec7963a83cea57a5a82b66275c8cb63369d6d14e754","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"4eb9878cebce6b3f0486cec7963a83cea57a5a82b66275c8cb63369d6d14e754","token_estimate":427,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"The data elements are: Universal Loan\n\nIdentifier/Legal Entity Identifier,\nOccupancy Type, Ethnicity/Race/Sex,\nAge, Reason for Denial, Total Loan\nCosts, Total Points and Fees,\nOrigination Charges, Discount Points,\nLender Credits, HOEPA Status,\nIntroductory Rate Period, NMLSR ID,\nAUS Name, AUS Result, Reverse\nMortgage, Business or Commercial\nPurpose,168 Open-End Line of Credit,\nCredit Scoring Model, Application\nChannel, and Rate Spread.\n\n4. HMDA Multifamily Data Elements\nExcluded From the PUDB To Protect\nBorrower Privacy\n\nFHFA identified three HMDA\nmultifamily data elements that are\ncollected by the Enterprises and will be\nwholly excluded from the Multifamily\nPUDB to protect borrower privacy, in\nconformance with the CFPB Privacy\nGuidance. These data elements,\ndiscussed below, are not currently\ndisclosed in the Multifamily PUDB and\nare not required to be reported by the\nEnterprises to FHFA for PUDB\npurposes.169\n\nApplication Date: Application Date is\nan unchanged HMDA data element that\nindicates the date the loan application\n\n167 84 FR at 656.\n168 Although the Enterprises do not collect any\n\nspecific data on Regulation C’s Business or\nCommercial Purpose data element, all multifamily\nloans are, by definition, Business or Commercial\nloans under HMDA. See Official Interpretations,\ncomment 3(c)(10)–3(i). Thus, all loans in the PUDB\nMultifamily Files are Business or Commercial\nPurpose and no additional data element is required\nto be reported or disclosed in the PUDB.\n\n169 FHFA may, however, require the Enterprises\n\nto report these data elements to FHFA for other\npurposes.\n\nVerDate Sep<11>2014 18:35 Jun 02, 2020 Jkt 250001 PO 00000 Frm 00047 Fmt 4703 Sfmt 4703 E:\\FR\\FM\\03JNN1.SGM 03JNN1\n"}
diff --git a/chunks/json/4eba48d944d6e36eef68631447893d73bb16d0beb3c64340c859653f0371f5dc.json b/chunks/json/4eba48d944d6e36eef68631447893d73bb16d0beb3c64340c859653f0371f5dc.json
new file mode 100644
index 0000000000000000000000000000000000000000..26607d39dce2af4ddc54d91e3b4c04370763d3d3
--- /dev/null
+++ b/chunks/json/4eba48d944d6e36eef68631447893d73bb16d0beb3c64340c859653f0371f5dc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":41578,"char_start":39954,"chunk_id":"chk_174ed420c0d804d4","chunk_index":20,"chunk_sha256":"4eba48d944d6e36eef68631447893d73bb16d0beb3c64340c859653f0371f5dc","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"4eba48d944d6e36eef68631447893d73bb16d0beb3c64340c859653f0371f5dc","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Definition: A free-form text field used to collect additional information\nwhen Other is selected for Counseling Confirmation Type.\n\nIN DEPTH\n\nb. Using Other / OtherDescription\n\nIn order to use an “OtherDescription” data point, the partner data point is\nsubmitted with a valid value of “Other,” and the “OtherDescription” data point is\nsubmitted with the business-partner-specified value.\n\nIf a business partner needs to supplement the MISMO standard valid values with\nadditional enumerations, they must use the “OtherDescription” data point and\nassociate the non-MISMO enumerations with it. Note that although the\n“OtherDescription” data point is defined as a “free form text field,” it is not\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 12 of 76\n\nSection III. Using the MISMO v3.0 Logical Data Dictionary\n\nadvisable to implement this data point this way. Rather, business partners using\nthis data point should provide their approved list of valid values and treat this data\npoint as enumerated. Additionally, if it is not expected that business-partner-\nspecific enumeration will be required, business partners should not include “Other”\nas a valid value in the list of acceptable enumerations associated with the “Partner”\ndata point.\n\nExample III-5. Using Other/OtherDescription Data Points for Loan Delivery.\n\nClosingCostFundsType = Other\nClosingCostFundsTypeOtherDescription = SecondaryFinancingHELOC\n\nCounselingConfirmationType = Other\nCounselingConfirmationTypeOtherDescription = NonprofitOrganization\n"}
diff --git a/chunks/json/4ece6b14d0dbcf8a0affeada530d11988741199be28f8aaa00ab598acd8e798d.json b/chunks/json/4ece6b14d0dbcf8a0affeada530d11988741199be28f8aaa00ab598acd8e798d.json
new file mode 100644
index 0000000000000000000000000000000000000000..224fbebd1fce8d968db406603b6f1a42b7f56c2e
--- /dev/null
+++ b/chunks/json/4ece6b14d0dbcf8a0affeada530d11988741199be28f8aaa00ab598acd8e798d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11310,"char_start":9708,"chunk_id":"chk_ee963f3f269b3590","chunk_index":6,"chunk_sha256":"4ece6b14d0dbcf8a0affeada530d11988741199be28f8aaa00ab598acd8e798d","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_ad0b9497c249c913","text_sha256":"4ece6b14d0dbcf8a0affeada530d11988741199be28f8aaa00ab598acd8e798d","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Appraisal/_.xml/2- to 4-unit_Appraisal_v1.3.xml"]},"text":"Basic\n\nKitchen\n\nNotUpdated\n\nEngineeredWood\n\nExteriorWallsAndTrim\n\nPostAndPier\n\nFoundation\n\ntrue\n\nMetal\n\nTypicalWearAndTear\n\nRoof\n\nNewOrLikeNew\n\nWindows\n\nC4\n\nQ5\n\n1\n\nBuilding 1\n\nNone\n\nDwelling\n\n1992\n\nfalse\n\nStandard\n\nWallsAndCeiling\n\nFlooring\n\nFullyUpdated\n\n1926\n\n0\n\nfalse\n\n2\n\n3\n\n0\n\nC4\n\nQ4\n\nStandard\n\nModeratelyUpdated\n\nUnit 2\n\nStandard\n\nKitchen\n\nPartiallyUpdated\n\nEngineeredWood\n\nExteriorWallsAndTrim\n\nSlab\n\nFoundation\n\ntrue\n\nMetal\n\nTypicalWearAndTear\n\nRoof\n\nNewOrLikeNew\n\nWindows\n\nC4\n\nQ4\n\n1\n\nBuilding 2\n\nNone\n\nPropertyPhoto\n\n\\\\Images\\2-4_Comp1.png\n\nimage/png\n\n115\n\n279000\n\nSettledSale\n\n25.165172\n\n-51.328124\n\nHawaiian Parks\n\nPorch\n\nOutdoorLiving\n\n0\n\nDetached\n\n2\n\ntrue\n\n2\n\nC4\n\nQ4\n\ntrue\n\ntrue\n\nFeeSimple\n\nfalse\n\nfalse\n\n2790\n\nfalse\n\nMineralRights\n\nfalse\n\nfalse\n\n2019-02-22\n\n2019-04-30\n\n279000\n\nSale\n\n2018-11-20\n\n275000\n\nSale\n\nTypicallyMotivated\n\nUSGSLavaFlowZone\n\nZone2\n\nfalse\n\nLandscaping\n\nBusyRoadway\n\nOcean\n\nfalse\n\nBodyOfWater\n\n11965\n\nFull\n\nResidential\n\nLegalNonConforming\n\n25-1837 Highmountain Pl\n\nSurfside\n\n12345\n\nHI\n\nAttached\n\nCarport\n\n2\n\nDriveway\n\nGravel\n\n6\n\nfalse\n\n0\n\nFinancingMethod\n\n0\n\nContractDate\n\n0\n\nSaleDate\n\n-15000\n\nSiteSize\n\n0\n\nNeighborhoodName\n\n0\n\nZoningCompliance\n\n-15000\n\nHazardZone\n\n-5000\n\nSiteInfluence\n\n10000\n\nYearBuilt\n\n0\n\nGrossBuildingFinishedArea\n\n5000\n\nDisasterMitigationFeatures\n\n0\n\nLivingUnitBedroomCount\n\nUnit 1\n\n8800\n\nLivingUnitStandardFinishedAreaAboveGrade\n\nUnit 1\n\n6600\n\nLivingUnitStandardFinishedAreaAboveGrade\n\nUnit 2\n\n0\n\nWaterFeaturesAmenity\n\n0\n\nOutbuilding\n\n0\n\nVehicleStorage\n\n195900\n\n38180\n\n95450\n\nNorthWest\n\nMost\n\nfalse\n\nConventional\n\nfalse\n\n156\n\n2\n\n5.1\n\n-4600\n\nNone\n"}
diff --git a/chunks/json/4ed3f420a9cfb1394ddcf86d51ef36700abdffd25965fa3a7f7d865d334e9dc3.json b/chunks/json/4ed3f420a9cfb1394ddcf86d51ef36700abdffd25965fa3a7f7d865d334e9dc3.json
new file mode 100644
index 0000000000000000000000000000000000000000..89dd5aabe3c17a898855dae59e7dc11bc89040c8
--- /dev/null
+++ b/chunks/json/4ed3f420a9cfb1394ddcf86d51ef36700abdffd25965fa3a7f7d865d334e9dc3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":437154,"char_start":435494,"chunk_id":"chk_16e7b516c5b2ca52","chunk_index":252,"chunk_sha256":"4ed3f420a9cfb1394ddcf86d51ef36700abdffd25965fa3a7f7d865d334e9dc3","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"4ed3f420a9cfb1394ddcf86d51ef36700abdffd25965fa3a7f7d865d334e9dc3","token_estimate":415,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"1 - Bath - Half\n1 - Dining Room\n1 - Family Room\n1 - Kitchen\n1 - Living Room\n\n2 - Bath - Full\n3 - Bedroom\n\n1 - Bath - Full\n1 - Bedroom\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 7 of 22\n\nUnit Interior (continued)\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ2\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 B1\n\nBath - Full\nLevel 2\n\nBath - Full\nLevel 2\n\nBath - Full\nLevel 3\n\nBath - Half\nLevel 1\n\nUpdate Status\nNot Updated\n\nTime Frame\n\nNot Updated\n\nNot Updated\n\nNot Updated\n\nNot Updated\n\nNot Updated\n\nQuality Comment\nKitchen includes\ncommercial grade\nappliances and granite\ncountertops\n\nCeramic tile and\nupgraded fixtures\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nCeramic tile and\nupgraded fixtures\n\nTypical Wear and Tear\n\nCeramic tile and\nupgraded fixtures\n\nTypical Wear and Tear\n\nBathroom includes\nupgraded marble tile\nand high-end fixtures.\n\nTypical Wear and Tear\n\nCeramic tile and\nupgraded fixtures\n\nTypical Wear and Tear\n\nCondition Comment\nMaterials have minimal\ndepreciation and\nappear to be well-\nmaintained.\n\nMaterials have minimal\ndepreciation and\nappear to be well-\nmaintained.\n\nMaterials have minimal\ndepreciation and\nappear to be well-\nmaintained.\n\nMaterials have minimal\ndepreciation and\nappear to be well-\nmaintained.\n\nMaterials have minimal\ndepreciation and\nappear to be well-\nmaintained.\n"}
diff --git a/chunks/json/4ed7da255c2bf9beba3e8fd6d3e3619e41bdbb0767959043733e232576ec319e.json b/chunks/json/4ed7da255c2bf9beba3e8fd6d3e3619e41bdbb0767959043733e232576ec319e.json
new file mode 100644
index 0000000000000000000000000000000000000000..63ef8c993c9798a923da7d68661e6d2a6dee8e52
--- /dev/null
+++ b/chunks/json/4ed7da255c2bf9beba3e8fd6d3e3619e41bdbb0767959043733e232576ec319e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":607445,"char_start":605697,"chunk_id":"chk_19441d792475017c","chunk_index":358,"chunk_sha256":"4ed7da255c2bf9beba3e8fd6d3e3619e41bdbb0767959043733e232576ec319e","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"4ed7da255c2bf9beba3e8fd6d3e3619e41bdbb0767959043733e232576ec319e","token_estimate":437,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"20\n\nEnumerated\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\nResidential Res\nIndustrial Ind\nCommercial Comm\nBusyRoad BsyRd\nWaterFront WtrFr\nGolfCourse GlfCse\nAdjacentToPark AdjPrk\nAdjacentToPowerLines AdjPwr\nLandfill Lndfl\nPublicTransportation PubTrn\nOther *\n\n*See field e-16 directly below.\n\nAt least one but no more than two\nvalues are required.\n\nR\n\nR\n\nR\n\n402\n\n3\n\ne-16\n\nSALES\nCOMPARISON\nAPPROACH\n\nLocation\n\n(Location Type)\n\nGSE Location\nType Other\nDescription\n\nText entry when “Other” is selected as\nLocation Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_LOCATION_DETAIL_EXTENSION/COMPARISON_LOCATION_DETAIL_\nEXTENSION_SECTION[@ExtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_LOCATION_DETAIL_EXTENSION_SECTION_\nDATA/COMPARISON_LOCATION_DETAIL/.[@GSELocationType='Other']/@\nGSELocationTypeOtherDescription\n\n403\n\n404\n\n405\n\n3\n\n3\n\n3\n\n66\n\n67\n\n68\n\nSALES\nCOMPARISON\nAPPROACH\n\nLocation Adjustment\n\nSALES\nCOMPARISON\nAPPROACH\n\nLeasehold/Fee Simple\n\nSale Price\nAdjustment\nAmount\n\nSale Price\nAdjustment\nDescription\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='Location']/@_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"}
diff --git a/chunks/json/4ee50bf50113d3482cdb0dffe7872968099bc5ddf1dfa204ab0880b9a912fb6d.json b/chunks/json/4ee50bf50113d3482cdb0dffe7872968099bc5ddf1dfa204ab0880b9a912fb6d.json
new file mode 100644
index 0000000000000000000000000000000000000000..42d793db6ee5936d476ed07d2ffbdeb65ea638b0
--- /dev/null
+++ b/chunks/json/4ee50bf50113d3482cdb0dffe7872968099bc5ddf1dfa204ab0880b9a912fb6d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6546,"char_start":4901,"chunk_id":"chk_0c2d79720273bf9e","chunk_index":3,"chunk_sha256":"4ee50bf50113d3482cdb0dffe7872968099bc5ddf1dfa204ab0880b9a912fb6d","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6d5adf56d1237dd1","text_sha256":"4ee50bf50113d3482cdb0dffe7872968099bc5ddf1dfa204ab0880b9a912fb6d","token_estimate":411,"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 3 of 20\n\nSite\n\nTotal Site Size\n\n14,000 Sq. Ft.\n\nNumber of Parcels\n\n1\n\nAssessor Parcel Number (APN)\nERW 14885329 - 23\n\nAPN Description\nLand with Dwelling\n\nParcel Size\n14,000 Sq. Ft.\n\nZoning\n\nCompliance\nClassification Code\nClassification Code Description\n\nLegal\n1-5 MH Residential\nZoning allows one dwelling\nminimum per 12,000 sq. ft.\nincluding manufactured and\nmodular housing.\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\nComment\nThe subject is located within\n1/2 mile of a regional park\nwith a lake, hiking and\nhorse back riding trails,\nplaygrounds, and picnic\nareas.\n\nSite Influence\n\nInfluence\nPark\n\nProximity\nOffsite\n\nDetail\n\nImpact\nBeneficial\n\nResidential\n\nBordering\n\nNeutral\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 | Flat\n\nImpact\n\nComment\n\nNeutral\n\nUtilities and Impact to Value/Marketability\n\nBroadband Internet Available\n\nYes\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) - Site Influence - View\n\nSite Influence - Park\n\nThis is where the Park photo would display.\n\nAppraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n"}
diff --git a/chunks/json/4eed675a9752848b0eb8d701037e4813e9f29f466a081f12856fddebb6b5cb96.json b/chunks/json/4eed675a9752848b0eb8d701037e4813e9f29f466a081f12856fddebb6b5cb96.json
new file mode 100644
index 0000000000000000000000000000000000000000..727a09f81192ee3718979da0ba9558d9f5d1793a
--- /dev/null
+++ b/chunks/json/4eed675a9752848b0eb8d701037e4813e9f29f466a081f12856fddebb6b5cb96.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1292270,"char_start":1290861,"chunk_id":"chk_b1a6fe9e287b4f15","chunk_index":766,"chunk_sha256":"4eed675a9752848b0eb8d701037e4813e9f29f466a081f12856fddebb6b5cb96","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"4eed675a9752848b0eb8d701037e4813e9f29f466a081f12856fddebb6b5cb96","token_estimate":352,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field should be populated if field 6-27\n(Supervisor Name) is populated\n\nThis field must be populated if field 6-27\n(Supervisor Name) is populated\n\nIf field 6-27 (Supervisor Name) is populated\nthen one and only one of fields 6-38, 6-39\n(Appraisal Inspection Property Type = 'Subject'\nand values of Appraisal Inspection Type)\nshould be indicated\nIf field 6-27 (Supervisor Name) is populated\nthen one and only one of fields 6-38, 6-39\n(Appraisal Inspection Property Type = 'Subject'\nand values of Appraisal Inspection Type)\nshould be indicated\nIf field 6-39 (Appraisal Inspection Property\nType = 'Subject' and Appraisal Inspection Type\n= 'ExteriorOnly') is indicated this field should\nbe populated.\n\nIf field 6-27 (Supervisor Name) is populated\nthen one and only one of fields 6-41, 6-42\n(Appraisal Inspection Property Type =\n‘Comparable’ and values of Appraisal\nInspection Type) should be indicated.\nIf field 6-27 (Supervisor Name) is populated\nthen one and only one of fields 6-41, 6-42\n(Appraisal Inspection Property Type =\n‘Comparable’ and values of Appraisal\nInspection Type) should be indicated.\n\nThis field should be populated if field 6-42\n(Appraisal Inspection Property Type =\n‘Comparable’ and Appraisal Inspection Typ=\n'ExteriorOnly') is indicated..\n\nCR\n\nT\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 211 of 211\n\nDocument Version 1.4\n"}
diff --git a/chunks/json/4ef6bf4d967c34beb24d96a24f949cabc2ee15f6067178fb7b78ee9ebacbbc72.json b/chunks/json/4ef6bf4d967c34beb24d96a24f949cabc2ee15f6067178fb7b78ee9ebacbbc72.json
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index 0000000000000000000000000000000000000000..cea8b98c085c6b7abca0d544573f66c1060f4cf2
--- /dev/null
+++ b/chunks/json/4ef6bf4d967c34beb24d96a24f949cabc2ee15f6067178fb7b78ee9ebacbbc72.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1803,"char_start":0,"chunk_id":"chk_d3a6a4aeead1274a","chunk_index":0,"chunk_sha256":"4ef6bf4d967c34beb24d96a24f949cabc2ee15f6067178fb7b78ee9ebacbbc72","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6f6d7ced83910f89","text_sha256":"4ef6bf4d967c34beb24d96a24f949cabc2ee15f6067178fb7b78ee9ebacbbc72","token_estimate":451,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/master-servicing-payment-deferral-release-notes.pdf"]},"text":"Master Servicing Release Notes\n\nJune 30, 2020\n\nEffective July 1, 2020, the Fannie Mae Master Servicing Platform will implement changes to support policy updates announced in\nLender Letter LL-2020-07 COVID-19 Payment Deferral, published on May 13, 2020 and Lender Letter LL-2020-05 Payment\nDeferral, published on March 25, 2020. Two new retention workout options were jointly developed with Freddie Mac, at the\ndirection of the Federal Housing Finance Agency (FHFA), for homeowners who have resolved financial hardship but are not able to\nreinstate or set up a repayment plan. Review the payment deferral matrix to learn more about the two options.\n\nThe following updates are included in this release:\n\n• Updates to Fannie Mae Investor Reporting System\n• Updates to the Loan Servicing Data Utility (LSDU) User Interface (UI)\n• Updates to Fannie Mae Connect Reports\n\nUpdates to the Fannie Mae Investor Reporting System\n\nLoan activity reporting must continue on a delinquent mortgage loan that is subject to a COVID-19 payment deferral and payment\ndeferral. Servicers must report delinquency status information to Fannie Mae through our servicing solutions system in\naccordance with D2-4-01, Reporting a Delinquent Mortgage Loan to Fannie Mae.\n\nFor COVID-19 payment deferral, servicers must report a Loan Activity Record (LAR) in the month of evaluation (or in the\nprocessing month, if applicable) at least one business day prior to completing a COVID-19 payment deferral in in Fannie Mae’s\nservicing solutions system.\n\nFor payment deferral, servicers must report a LAR with the borrower’s full monthly contractual payment due in the month of\nevaluation (or in the processing month, if applicable) at least one business day prior to completing a payment deferral in Fannie\nMae’s servicing solutions system.\n"}
diff --git a/chunks/json/4f02b84948007ecedbcce01b6ea02862cdfd304fdca60e586ae3789731547c5a.json b/chunks/json/4f02b84948007ecedbcce01b6ea02862cdfd304fdca60e586ae3789731547c5a.json
new file mode 100644
index 0000000000000000000000000000000000000000..e0c42982f6f6efdab0850cd8cd4225b8722b87f8
--- /dev/null
+++ b/chunks/json/4f02b84948007ecedbcce01b6ea02862cdfd304fdca60e586ae3789731547c5a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12996,"char_start":11361,"chunk_id":"chk_ffcba51fc7b1f418","chunk_index":7,"chunk_sha256":"4f02b84948007ecedbcce01b6ea02862cdfd304fdca60e586ae3789731547c5a","date_utc":"2026-01-27T18:32:50+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_010866be569585a7","text_sha256":"4f02b84948007ecedbcce01b6ea02862cdfd304fdca60e586ae3789731547c5a","token_estimate":409,"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":"491000\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\ntrue\n\nfalse\n\nfalse\n\nfalse\n\nPurchase\n\nEnergyEfficientAndGreenFeatures\n\nOn average, homes with a HERS Index rating of 62 are 38% more energy efficient than a standard new house.\n\nMarket\n\nDespite lack of supply, homes are not going up in value due to seasonality. This is typical for 3rd quarter, evidenced by the fact that there are only 2 active listings, which have less finished area than the subject and not indicative of prices decreasing.\n\nSalesContract\n\n$5,000 concession towards repair of the carpet. Window treatments, washer and dryer, and media room projector conveyed per sales contract.\n\nSubjectListing\n\nThe only listing of the subject property in the past year has been for $489,000 for 12 days prior to contract. The contract provided to the appraiser contains no atypical terms or conditions, see Sales Contract section for further analysis.\n\nHighestAndBestUse\n\nThe highest and best use analysis as improved is physically possible and legally permissible based on its current zoning. Analysis of the market shown below demonstrates that the existing structure as a single family residence is its financially feasible and maximally productive use.\n\nOverallQualityAndCondition\n\nThe Overall Quality and Condition matches the Interior Quality and Condition, as well as the Exterior Quality and Condition, since the exterior and interior are both of the same age.\n\nSubjectPriorSalesAndTransferHistory\n\nOnly prior sale of the subject was when it was a new construction in 2004.\n\nComparablesPriorSalesAndTransferHistory\n\nPrior sale of comp 1 was a typically motivated arms-length transaction.\n"}
diff --git a/chunks/json/4f0bdb59f33bbcb07a50a284f31ecb479d409dd1caf2d489d7239e3060b670e0.json b/chunks/json/4f0bdb59f33bbcb07a50a284f31ecb479d409dd1caf2d489d7239e3060b670e0.json
new file mode 100644
index 0000000000000000000000000000000000000000..f7bffc11cca41bf54341cd8991e0c656f0aa6285
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+++ b/chunks/json/4f0bdb59f33bbcb07a50a284f31ecb479d409dd1caf2d489d7239e3060b670e0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":438758,"char_start":437156,"chunk_id":"chk_abdc95e1bb5a6eaa","chunk_index":253,"chunk_sha256":"4f0bdb59f33bbcb07a50a284f31ecb479d409dd1caf2d489d7239e3060b670e0","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"4f0bdb59f33bbcb07a50a284f31ecb479d409dd1caf2d489d7239e3060b670e0","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Materials have minimal\ndepreciation and\nappear to be well-\nmaintained.\n\nOverall Update Status for\nBathrooms\n\nNot Updated\n\nInterior Features\n\nFeature\nFlooring\n\nDetail\nCarpet\n\nCeramic Tile\n\nHardwood\n\nMarble\n\nWalls and Ceiling\n\n8 Ft. | 9 Ft. | 10 or more feet\nFlat | Vaulted\n\nOverall Update Status for\nFlooring\n\nNot Updated\n\nQuality Comment\nHigh grade wool\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nHardwood includes Brazilian\nCherry\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nCondition Comment\nMaterials have minimal\ndepreciation and appear to\nbe well-maintained.\n\nMaterials have minimal\ndepreciation and appear to\nbe well-maintained.\n\nMaterials have minimal\ndepreciation and appear to\nbe well-maintained.\n\nMaterials have minimal\ndepreciation and appear to\nbe well-maintained.\n\nMaterials have minimal\ndepreciation and appear to\nbe well-maintained.\n\nApparent Defects, Damages, Deficiencies (Unit Interior)\n\nNone\n\nUnit Interior Commentary\n\nSubject features vaulted ceiling on the third level and extensive trim throughout second level. The subject is a 3 year old structure, all interior\nitems are original therefore the overall status is considered not updated.\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 8 of 22\n\nUnit Interior (continued)\n\nUnit Interior Exhibits\n\nLevel B1 - Bath - Full - Bath 1\n\nLevel B1 - Den\n\nThis is where the Bath 1 photo would display.\n\nThis is where the Den photo would display.\n"}
diff --git a/chunks/json/4f11c41ca86663d24b4011be8161363d5cdf1baf20b3830e611dd8816ad90b3e.json b/chunks/json/4f11c41ca86663d24b4011be8161363d5cdf1baf20b3830e611dd8816ad90b3e.json
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+++ b/chunks/json/4f11c41ca86663d24b4011be8161363d5cdf1baf20b3830e611dd8816ad90b3e.json
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+{"chunk":{"char_end":48202,"char_start":46602,"chunk_id":"chk_7c8e890cfdd20188","chunk_index":26,"chunk_sha256":"4f11c41ca86663d24b4011be8161363d5cdf1baf20b3830e611dd8816ad90b3e","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"4f11c41ca86663d24b4011be8161363d5cdf1baf20b3830e611dd8816ad90b3e","token_estimate":400,"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 | 20 of 22\n\nFigure 6 – Example illustrating multiple data points for HMDARaceDesignationType and HMDARaceType\nusage under HMDA_RACE_EXTENSION container\n\n5.12.4. Universal Loan Identifier (ULI)\nThis is a unique identifier associated with the loan throughout the life of the loan transaction starting\nat submission of the loan application. The number is composed of 45 alphanumeric characters and is\nlocated under the LOAN_IDENTIFIER_EXTENSION container.\n\nThe following example illustrates a sample ULI in xml code:\n\nFigure 7 - Example of a Universal Loan Identifier in a XML file.\n\n© 2018 Fannie Mae. Trademarks of Fannie Mae.\n\nJune 2018 | 21 of 22\n\n6. Additional Resources\nRefer to the table below for a list of websites, documents, and URLs to access the additional documentation\nreferenced in this Implementation Guide.\n\nTable 10 - Additional Resources\n\nDocument Name or Website\n\nURL\n\nLoan Delivery Data Requirements\n\nhttps://www.fanniemae.c om/singlefamily/unifor m-loan- delivery-\ndataset-uldd\n\nLoan Delivery FAQs\n\nULDD FAQs\n\nhttps://www.fanniemae.com/content/faq/loan-delivery-faqs.pdf\n\nhttps://www.fanniemae.com/content/faq/uniform-loan-delivery-\ndataset-faqs.pdf\n\nLoan Delivery Job Aids\n\nhttps://www.fanniemae.c om/c ontent/job_aid/loan- delivery-job-\naids.html\n\nMISMO website\n\nwww.mismo.org/\n\nMISMO Version 3.0 Candidate\nRecommendation 2010-05 Reference\nModel\n\nMISMO Version 3.0 and the Uniform\nLoan Delivery Data Specification:\nUser Guide\n\nhttp://www.mismo.org/s tandar ds-and-r esources /residential-\nspecifications/mismo-version-30\n"}
diff --git a/chunks/json/4f217b6428622a5783df4daa316615731c80b1b7980c1b7441a8637d8a1bdee1.json b/chunks/json/4f217b6428622a5783df4daa316615731c80b1b7980c1b7441a8637d8a1bdee1.json
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+++ b/chunks/json/4f217b6428622a5783df4daa316615731c80b1b7980c1b7441a8637d8a1bdee1.json
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+{"chunk":{"char_end":10018,"char_start":7106,"chunk_id":"chk_68fb8ec73301de16","chunk_index":4,"chunk_sha256":"4f217b6428622a5783df4daa316615731c80b1b7980c1b7441a8637d8a1bdee1","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_b32bba90b1ea6c8b","text_sha256":"4f217b6428622a5783df4daa316615731c80b1b7980c1b7441a8637d8a1bdee1","token_estimate":726,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Performance_and_Accountability_Report___U_S___7lvrij.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 Performance and Accountability Report\n\n## Breadcrumb\n\n- [Home](/)\n - [Reports](/reports)\n - FHFA Performance and Accountability Report\n\nThis report details FHFA’s activities as regulator of the Federal Home Loan Bank System and as regulator and conservator of Fannie Mae and Freddie Mac over the fiscal year.\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/4f26a26a0b55e1c914156aeb1f5de71214c83299460adc885ffe83289c466178.json b/chunks/json/4f26a26a0b55e1c914156aeb1f5de71214c83299460adc885ffe83289c466178.json
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index 0000000000000000000000000000000000000000..7edf819108cae73f51c47b6c9921b519b345fbf0
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+++ b/chunks/json/4f26a26a0b55e1c914156aeb1f5de71214c83299460adc885ffe83289c466178.json
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+{"chunk":{"char_end":109367,"char_start":107665,"chunk_id":"chk_ea431ababc5e38a3","chunk_index":62,"chunk_sha256":"4f26a26a0b55e1c914156aeb1f5de71214c83299460adc885ffe83289c466178","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"4f26a26a0b55e1c914156aeb1f5de71214c83299460adc885ffe83289c466178","token_estimate":426,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Reference the appropriate government agency appraisal guidelines for more\ninformation.\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\nAllowable Answer\n\nSignificant Real Property\nAppraisal Assistance\n\nRole: Significant Real Property Appraisal Assistance (Choose if applicable for the Contact)\n\nDefinition / Additional Guidance\n\nA person who does not meet all scope of work and certification requirements that provided significant assistance with the\ndevelopment of the appraisal report, as prescribed by Uniform Standards of Professional Appraisal Practice and Advisory\nOpinion. Selecting this answer does not allow this contact (person) to sign the report.\n"}
diff --git a/chunks/json/4f28935ec30470d93f7f89f42fb7b4fda27f8823b101585059ae6fd7d8e69acc.json b/chunks/json/4f28935ec30470d93f7f89f42fb7b4fda27f8823b101585059ae6fd7d8e69acc.json
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+{"chunk":{"char_end":3880,"char_start":3846,"chunk_id":"chk_5f04c1ef7076b128","chunk_index":2,"chunk_sha256":"4f28935ec30470d93f7f89f42fb7b4fda27f8823b101585059ae6fd7d8e69acc","date_utc":"2026-01-27T18:02:36+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bf267ec450438488","text_sha256":"4f28935ec30470d93f7f89f42fb7b4fda27f8823b101585059ae6fd7d8e69acc","token_estimate":12,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-september-release-notes-sept-20-2024.pdf","below_target_min_tokens"]},"text":"© 2024 Fannie Mae\n\n7.31.24 2 of 2\n"}
diff --git a/chunks/json/4f35cc741831bae8915f9bda3cae22eac5a0e367b6bfbffc5ece454a2eaf9287.json b/chunks/json/4f35cc741831bae8915f9bda3cae22eac5a0e367b6bfbffc5ece454a2eaf9287.json
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@@ -0,0 +1 @@
+{"chunk":{"char_end":350889,"char_start":349145,"chunk_id":"chk_375c3b4d8264a441","chunk_index":207,"chunk_sha256":"4f35cc741831bae8915f9bda3cae22eac5a0e367b6bfbffc5ece454a2eaf9287","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"4f35cc741831bae8915f9bda3cae22eac5a0e367b6bfbffc5ece454a2eaf9287","token_estimate":436,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Indicates whether the defect, damage, or deficiency affects the soundness and\n/ or structural integrity of the improvement.\n\nCompletion\nInspection\nRepair (includes replacement)\nNone (does not require repair, replacement, completion, or inspection)\n\nThe recommended action for the defect, damage, or deficiency.\n•\n•\n•\n•\nNote:\n•\n\nIf Completion, Inspection, or Repair is reported for any defect, damage, or\ndeficiency\n\no\n\no\n\no\n\nThe report must be made subject to the resolution of the item\n(Market Value Condition 26.009 cannot be As Is).\nCondition Status for the item, if applicable, must reflect the\nfuture “resolved” condition.\nIf Repair is selected, the estimated cost to repair may be\nprovided in the Reconciliation section.\n\nUnit Interior Commentary\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n10.061 Unit Interior\nCommentary\n\nIf applicable\n\nFree-form\n\nDefinition / Additional Guidance\n\nCommentary could include information pertinent to the Unit Interior section\nthat is not captured in the discrete data, or additional details to support the\ndiscrete data that is provided.\n\nUnit Interior Exhibits\n\nAll photos or images related to the Unit Interior section are displayed in the Unit Interior Exhibits subsection. If\nthere are no photos or images, this subsection does not display.\n\nUnit Interior Exhibits\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nSee\niGuide\n\nUnit Interior\nExhibits\n\nIf applicable\n\nPhotos or images\n\nDefinition / Additional Guidance\n\nPhotos or images relevant to the Unit Interior section may be provided, which\ndisplay in Unit Interior Exhibits. If the photo or image is not specifically\nindicated above, provide a caption to identify each photo or image.\n"}
diff --git a/chunks/json/4f361a7930120f08320861c29d073bd2d047debe570d558cf9c41da7e6bdece2.json b/chunks/json/4f361a7930120f08320861c29d073bd2d047debe570d558cf9c41da7e6bdece2.json
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+{"chunk":{"char_end":136637,"char_start":135028,"chunk_id":"chk_0493c780b2eacf75","chunk_index":127,"chunk_sha256":"4f361a7930120f08320861c29d073bd2d047debe570d558cf9c41da7e6bdece2","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"4f361a7930120f08320861c29d073bd2d047debe570d558cf9c41da7e6bdece2","token_estimate":402,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Statement of Assumptions and Limiting Conditions (H1)\n\n• Text sets as TXC Myriad Pro x 45 picas\n\nCertifications\n\n“Certifications” sets as TAB\n\nAppraiser Certifications (H1)\n\n• Text sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs\n\n• Numbered items set as TXC-NP Myriad Pro x 45 picas, 5 points extra space between\n\nparagraphs\n\n• Numbers set Myriad Pro Bold, followed by a period to text\n\n•\n\n“Description of Prior Services:” (Certification #29) aligns left with text above and sets as TXC-\nNPI-B Myriad Pro (bold lead in to Myriad Pro Regular text) X 45 picas\n\nAdditional Appraiser Certifications (H2)\n\n•\n\n“Additional Appraiser Certifications cannot be contrary to the original Appraiser\nCertifications.” sets as TXC-I Myriad Pro Italic x 45 picas\n\n• Numbered items set as TXC-NP Myriad Pro x 45 picas, 5 points extra space between\n\nparagraphs\n\n• Numbers set Myriad Pro Bold, followed by a period to text\n\n• Text sets TXC x 45 picas\n\nAppendix E: Report Style Guide\n\nPage 78 of 90\n\nVersion 1.4\n\nSupervisory Appraiser Certifications (H1)\n\n• Text sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs\n\n• Numbered items set as TXC-NP Myriad Pro x 45 picas, 5 points extra space between\n\nparagraphs\n\n• Numbers set Myriad Pro Bold, followed by a period to text\n\nAdditional Supervisory Appraiser Certifications (H2)\n\n•\n\n“Additional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory\nAppraiser Certifications.” sets as TXC-I Myriad Pro Italic x 45 picas\n\n• Numbered items set as TXC-NP Myriad Pro x 45 picas, 5 points extra space between\n"}
diff --git a/chunks/json/4f38a4245015427b1180baa434c7876415fed097cbc86ca4172dada11d88d012.json b/chunks/json/4f38a4245015427b1180baa434c7876415fed097cbc86ca4172dada11d88d012.json
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+++ b/chunks/json/4f38a4245015427b1180baa434c7876415fed097cbc86ca4172dada11d88d012.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":249062,"char_start":247026,"chunk_id":"chk_079cd0cbafd78a3a","chunk_index":139,"chunk_sha256":"4f38a4245015427b1180baa434c7876415fed097cbc86ca4172dada11d88d012","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"4f38a4245015427b1180baa434c7876415fed097cbc86ca4172dada11d88d012","token_estimate":509,"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 96 of 166\n\nUAD 3.6 Policy\n\nWhen describing the proximity of the comparable sale to the subject property, the appraiser must be specific with respect to the\ndistance in terms of miles and include the applicable directional indicator (for example, “1.75 miles NW”). The distance between\nthe subject property and each comparable property is to be measured using a straight line between the properties.\n\nMinimum Number of Comparable Sales\n\nA minimum of three closed comparables must be reported in the sales comparison approach. Additional comparable sales may\nbe reported to support the opinion of market value provided by the appraiser. The subject property can be used as a fourth\ncomparable sale or as supporting data if it was previously closed. Contract offerings and current listings can be used as\nsupporting data, if appropriate. See Additional Requirements for New (or Recently Converted) Condos, Subdivisions, or PUDs below\nfor exceptions to this policy.\n\nIn no instance may the appraiser create comparable sales by combining vacant land sales with the contract purchase price of a\nhome (improvements only). While these transactions cannot be used to meet the required minimum three closed comparables,\nthese transactions, which are often completed as part of a construction-to-permanent loan transaction, may be included as\nadditional support with appropriate commentary.\n\nAge of the Comparable Sales\n\nComparable sales that have closed within the last 12 months should be used in the appraisal; however, the best and most\nappropriate comparable sales may not always be the most recent sales. For example, it may be appropriate for the appraiser to\nuse a nine month old sale with a time adjustment rather than a one month old sale that requires multiple adjustments. An older\nsale may be more appropriate in situations when market conditions have affected the availability of recent sales, and the\nchanging market conditions causing their use must be explained in the report.\n"}
diff --git a/chunks/json/4f3b3950e6b53ed0734337d3b9933741c5181752c057c6358c1bf95aa2ce0acb.json b/chunks/json/4f3b3950e6b53ed0734337d3b9933741c5181752c057c6358c1bf95aa2ce0acb.json
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+{"chunk":{"char_end":10155,"char_start":8538,"chunk_id":"chk_f1016bc49dd5f157","chunk_index":5,"chunk_sha256":"4f3b3950e6b53ed0734337d3b9933741c5181752c057c6358c1bf95aa2ce0acb","date_utc":"2026-01-27T17:47:50+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8535ea1710d70b24","text_sha256":"4f3b3950e6b53ed0734337d3b9933741c5181752c057c6358c1bf95aa2ce0acb","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Reports___FHFA_gp0z3l.md"]},"text":"Keyword\n\nPublished Date From:\n\nTo:\n\nReport Category - Any - Annual Housing Report Annual Report to Congress Chief FOIA Officer Report Collateral Pledged to FHLBanks Conservatorships Performance Goals - Scorecard Credit Risk Transfer Progress 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 FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report Foreclosure Prevention, Refinance, and FPM Report Housing Mission Report Information Resources Management Strategic Plan No FEAR Report Plain Language Report Prepayment Monitoring Report Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac\n\n## Search & Filter\n\nKeyword\n\nPublished Date From:\n\nTo:\n\nReport Category - Any - Annual Housing Report Annual Report to Congress Chief FOIA Officer Report Collateral Pledged to FHLBanks Conservatorships Performance Goals - Scorecard Credit Risk Transfer Progress 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 FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report Foreclosure Prevention, Refinance, and FPM Report Housing Mission Report Information Resources Management Strategic Plan No FEAR Report Plain Language Report Prepayment Monitoring Report Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac\n\n- FHFA House Price Index®\n"}
diff --git a/chunks/json/4f3ff5b681bc3dabd4a250a65a909cb9844fbf1dcee3c3c696f0f565644dfcf7.json b/chunks/json/4f3ff5b681bc3dabd4a250a65a909cb9844fbf1dcee3c3c696f0f565644dfcf7.json
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+{"chunk":{"char_end":1735,"char_start":0,"chunk_id":"chk_81af71f3734aff91","chunk_index":0,"chunk_sha256":"4f3ff5b681bc3dabd4a250a65a909cb9844fbf1dcee3c3c696f0f565644dfcf7","date_utc":"2026-01-27T17:54:30+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f7eb2b1d14304e0b","text_sha256":"4f3ff5b681bc3dabd4a250a65a909cb9844fbf1dcee3c3c696f0f565644dfcf7","token_estimate":531,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Research___FHFA_a9l57.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/research?category%5B941%5D=941\"\ndate_accessed: \"2026-01-27T17:54:20.619Z\"\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/4f551e7434629dc61dc45c0bcd03179398b45846e564bb432e8581d57373b68b.json b/chunks/json/4f551e7434629dc61dc45c0bcd03179398b45846e564bb432e8581d57373b68b.json
new file mode 100644
index 0000000000000000000000000000000000000000..2381df319d215dab42269fa41d98311c455c62ee
--- /dev/null
+++ b/chunks/json/4f551e7434629dc61dc45c0bcd03179398b45846e564bb432e8581d57373b68b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":56436,"char_start":54615,"chunk_id":"chk_a0ff3bf88b107afe","chunk_index":48,"chunk_sha256":"4f551e7434629dc61dc45c0bcd03179398b45846e564bb432e8581d57373b68b","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"4f551e7434629dc61dc45c0bcd03179398b45846e564bb432e8581d57373b68b","token_estimate":455,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"09 Certifications and Intended Use/User\n\nThe Certifications and Intended Use section always displays on the PDF. Information will not be delivered in the XML unless there is a datapoint that\nprovides space for commentary (e.g., Additional Intended Use or appraiser certifications).\n\nPage 47\n\nIntended Use\n\nThe Intended Use subsection always displays.\n\nReport\nField ID\n\n09.001\n\nThe intended use of this certification of completion is for the lender/client to confirm that the requirements or conditions\nstated in the appraisal report referenced above have been met.\n\nAlways displays\n\nIntended Use Text\n\nText Conditionality\n\nWhen ValuationIntendedUseDescription (UID: 2200.0012, FID: 09.003) is provided AND GovernmentAgencyAppraisalType = \"FHA\"\n\n• Display sub-header: Additional Intended Use (FID: 09.002)\n• Display in italics below sub-header: Additional Intended Use cannot be contrary to the original Intended Use.\n• Display the text from ValuationIntendedUseDescription (UID: 2200.0012, FID: 09.003) and deliver in XML.\n\nIntended User\n\nThe Intended User subsection always displays.\n\nPage 48\n\nReport\nField ID\n\nIntended User Text\n\nText Conditionality\n\n09.004\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\nappraisal report.\nThe USDA and any other identified lender/client are\nintended users of this report.\n\n09.005\n\nThe VA is also an intended user of this appraisal report.\n\nDisplay descriptive text when GovernmentAgencyAppraisalType (UID: 1000.0123, FID: 09.005)\n= \"FHA\" and the original appraisal is for a purchase or refinance transaction.\nDisplay descriptive text when GovernmentAgencyAppraisalType (UID: 1000.0123, FID: 09.005)\n= “USDA”\nDisplay descriptive text when GovernmentAgencyAppraisalType (UID: 1000.0123, FID: 09.005)\n= “VA”\n"}
diff --git a/chunks/json/4f5e4f7238633ca31caa8632748ff8b358bd970dfe748adef43eb212cf980676.json b/chunks/json/4f5e4f7238633ca31caa8632748ff8b358bd970dfe748adef43eb212cf980676.json
new file mode 100644
index 0000000000000000000000000000000000000000..f8648d9edf4a6253051eb3a5187ae5314a5d6db2
--- /dev/null
+++ b/chunks/json/4f5e4f7238633ca31caa8632748ff8b358bd970dfe748adef43eb212cf980676.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":814044,"char_start":812310,"chunk_id":"chk_e5f04559462de35a","chunk_index":483,"chunk_sha256":"4f5e4f7238633ca31caa8632748ff8b358bd970dfe748adef43eb212cf980676","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"4f5e4f7238633ca31caa8632748ff8b358bd970dfe748adef43eb212cf980676","token_estimate":434,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Project Analysis\nSpecial\nCharacteristics\nDescription\n\nUnit Charge\nAmount\nUnit Charge\nAmount\n\nUnit Charge Per\nSquare Foot\nAmount\n\nUnit Charge No\nUtilities Included In\nAssessment\nIndicator\n\nUnit Charge Utility\nIncluded In\nAssessment\nIndicator\n\nUnit Charge Utility\nIncluded In\nAssessment\nIndicator\n\nUnit Charge Utility\nIncluded In\nAssessment\nIndicator\n\nUnit Charge Utility\nIncluded In\nAssessment\nIndicator\n\nUnit Charge Utility\nIncluded In\nAssessment\nIndicator\n\nIndicates that the project has special,\natypical, or unusual characteristics.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@\n_SpecialCharacteristicsIndicator='Y']\n\nIndicates that the project has special,\natypical, or unusual characteristics.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@\n_SpecialCharacteristicsIndicator='N']\n\n1\n\n1\n\nBoolean\n\nBoolean\n\nA free-form text field describing any\nspecial, atypical, or unusual\ncharacteristics of the project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/@\n_SpecialCharacteristicsDescription\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\nIf none, enter zero (0).\n\nIf none, enter zero (0).\n\nIf none, enter zero (0).\n\nThe amount the unit is charged every\nperiod described by Period Type.\nThe amount the unit is charged every\nperiod described by Period Type.\nAssessment charge per square feet of\ngross living area of the unit. This is\ngenerally used for analysis of unit charges\nin a multiple unit project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U\nNIT_CHARGE[@_PeriodType='Monthly']/@_Amount\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U\nNIT_CHARGE[@_PeriodType='Annually']/@_Amount\n"}
diff --git a/chunks/json/4f6082e072699c9afd38167c40efd6d5fa819812ab022036e659212c8da0268c.json b/chunks/json/4f6082e072699c9afd38167c40efd6d5fa819812ab022036e659212c8da0268c.json
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index 0000000000000000000000000000000000000000..1c50bdebe826603afa1c268f39541d6090f0fae9
--- /dev/null
+++ b/chunks/json/4f6082e072699c9afd38167c40efd6d5fa819812ab022036e659212c8da0268c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8391,"char_start":6632,"chunk_id":"chk_85da435fd51ae3c5","chunk_index":4,"chunk_sha256":"4f6082e072699c9afd38167c40efd6d5fa819812ab022036e659212c8da0268c","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_54c90e842324b7de","text_sha256":"4f6082e072699c9afd38167c40efd6d5fa819812ab022036e659212c8da0268c","token_estimate":439,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073_465.pdf"]},"text":"25\n\n24\n\n23\n\nAre there any special or unusual characteristics of the project (based on the condominium documents, HOA meetings, or other information) known to the appraiser?\n Yes No If Yes, describe and explain the effect on value and marketability. 29\n27\n\n28\n\n30\n\nUnit Charge $\nUtilities included in the unit monthly assessment None Heat Air Conditioning Electricity Gas Water Sewer Cable Other (describe)\n42\n\nAnnual assessment charge per year per square feet of gross living area = $ 32\n\nper month X 12 = $\n\n31 per year\n\n34\n\n35\n\n40\n\n33\n\n36\n\n37\n\n41\n\n39\n\n38\n\nInterior\nFloors 51\nWalls 52\nTrim/Finish 53\n\nGeneral Description\n\nmaterials/condition\n\nAmenities\n\nAppliances\n\nCar Storage\n\n48\n\nFloor # 43\n# of Levels 44\nHeating Type 45\nFuel 46\n Central AC Individual AC Bath Wainscot 54\n47\n Other (describe) 50\n49\nFinished area above grade contains: 80\nSquare Feet of Gross Living Area Above Grade\nAre the heating and cooling for the individual units separately metered? Yes No If No, describe and comment on compatibility to other projects in the market area.\n86\nAdditional features (special energy efficient items, etc.) 87\n\nRefrigerator\n66\n Range/Oven\n67\n Disp Microwave\n69\n68\n Dishwasher\n70\n Washer/Dryer\n71\nBath(s) 83\n\nFireplace(s) # 57\n56\n Woodstove(s) # 59\n58\n Deck/Patio 61\n60\n Porch/Balcony 63\n62\n Other 65\n64\nBedrooms 82\n84\n\nNone\n72\n Garage Covered Open\n73\n# of Cars 76\n Assigned Owned\n77\nParking Space # 79\n\nRooms 81\n\nDoors 55\n\n74\n\n78\n\n85\n\n75\n\nDescribe the condition of the property (including needed repairs, deterioration, renovations, remodeling, etc.). e-9; e-10; e-11; e-12; e-13; 88\n\nAre there any physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property? Yes No If Yes, describe\n91\n"}
diff --git a/chunks/json/4f754618566bb7dac1ff10811430aaab60125b3bc0fab293ad15091cd98d825e.json b/chunks/json/4f754618566bb7dac1ff10811430aaab60125b3bc0fab293ad15091cd98d825e.json
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index 0000000000000000000000000000000000000000..982b625c5bf6109179e008601afae1de5cfa3282
--- /dev/null
+++ b/chunks/json/4f754618566bb7dac1ff10811430aaab60125b3bc0fab293ad15091cd98d825e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":22145,"char_start":20527,"chunk_id":"chk_441e1fe0d139ffac","chunk_index":5,"chunk_sha256":"4f754618566bb7dac1ff10811430aaab60125b3bc0fab293ad15091cd98d825e","date_utc":"2026-01-27T17:46:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6fe7d203f7e30930","text_sha256":"4f754618566bb7dac1ff10811430aaab60125b3bc0fab293ad15091cd98d825e","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Single_Family_Homepage___Fannie_Mae_vjl8b.md"]},"text":"![image](/sites/g/files/koqyhd181/files/2022-01/sf_marquee.png)\n\n## Rental income support made easy\n\nIncome Calculator now supports all rental income types - both simple and complex - allowing you to serve more borrowers while reducing risk of repurchase.\n\n[Learn more ****](https://singlefamily.fanniemae.com/applications-technology/income-calculator)\n\n### Fannie Mae supports those who house America through single-family mortgage products and solutions\n\nOur Single-Family business helps lenders originate quality affordable mortgages using innovative digital processes. Our funding makes products such as the 30-year, fixed-rate mortgage possible, providing homeowners with predictable mortgage payments over the life of the loan. It remains the most popular choice among homeowners.\n\n- [![image](/sites/g/files/koqyhd181/files/icons/2019-10/selling-guide.svg)\n\nSelling Guide](/external-resource/selling-guide)\n - [![image](/sites/g/files/koqyhd181/files/icons/2019-10/servicing-guide.svg)\n\nServicing Guide](/external-resource/servicing-guide)\n - [![image](/sites/g/files/koqyhd181/files/icons/2019-10/learning-center.svg)\n\nLearning Center](/learning-center)\n - [![image](/sites/g/files/koqyhd181/files/icons/2019-10/technology.svg)\n\nTechnology Solutions](/applications-technology/applications-technology)\n - [![image](/sites/g/files/koqyhd181/files/icons/2019-10/mortgage-products.svg)\n\nMortgage Products](/originating-underwriting/mortgage-products)\n\n## Become a Fannie Mae Seller/Servicer\n\nPartner with us for access to tools, resources, and the support you need to succeed in today's housing market.\n"}
diff --git a/chunks/json/4f7cdefaaf966a953945bb29ca7aa7260ae5a12e9287f75d4bcada290f1af384.json b/chunks/json/4f7cdefaaf966a953945bb29ca7aa7260ae5a12e9287f75d4bcada290f1af384.json
new file mode 100644
index 0000000000000000000000000000000000000000..10906e81dc0c6072a24327daf20792058ae77680
--- /dev/null
+++ b/chunks/json/4f7cdefaaf966a953945bb29ca7aa7260ae5a12e9287f75d4bcada290f1af384.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":445631,"char_start":443873,"chunk_id":"chk_c73c602148c99f99","chunk_index":252,"chunk_sha256":"4f7cdefaaf966a953945bb29ca7aa7260ae5a12e9287f75d4bcada290f1af384","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"4f7cdefaaf966a953945bb29ca7aa7260ae5a12e9287f75d4bcada290f1af384","token_estimate":439,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Adjustable Interest Rate (AIR) Table\n\n20.0\n\nIndex + Margin (OR)\n(Interest Rate Adjustments)\n\n20.1 Index Name + %\n# of Adjustments\n\nInitial Interest Rate\n\n20.2 %\n\nMinimum/Maximum Interest Rate\n\n20.3 % Min / % Max\n\nChange Frequency\n\nFirst Change\n\n20.4 Beginning of # month\n\nSubsequent Change\n\n20.5 Every # month after first change\n\nLimits on Interest Rate Changes\n\nFirst Change\n\nSubsequent Change\n\n20.6 %\n\n20.7 %\n\nFigure 128. Adjustable Interest Rate (AIR) Table\n\nAs illustrated above, the following information is required for all loans for which the interest rate can or will\nincrease:\n\n20.1 For loans that adjust based on an external index:\n\na. The Index upon which the adjustments to the interest rate are based.\n\nb. The Margin that is added to the index to determine the interest rate, if any. The margin should be\ndisclosed as a percentage. For example, if the contract determines the interest rate by adding 4.25\npercentage points to the index, the margin should be disclosed as ‘‘4.25%.’’\n\nc. For loans that adjust according to a schedule incorporated in the note terms: The number of scheduled\n\nInterest Rate Adjustments.\n\n20.2 The Initial Interest Rate, which is the interest rate at consummation even if it will apply for only a short\n\nperiod.\n\nAppendix E: UCD Implementation Guide\n\nPage 207 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n20.0 Adjustable Interest Rate (AIR) Table\n\n20.3 The Minimum Interest Rate that may occur at any time during the term of the transaction, after any\n\nintroductory or ‘‘teaser’’ interest rate expires. If the note terms do not state a minimum interest rate or\n“floor”, the minimum interest rate that applies to the transaction under applicable law must be disclosed. If\nno law applies, the margin is disclosed.\n"}
diff --git a/chunks/json/4f7ed6327f39ac61edda76c2d0aea5df672a93ae94596bee44b405da47047d8d.json b/chunks/json/4f7ed6327f39ac61edda76c2d0aea5df672a93ae94596bee44b405da47047d8d.json
new file mode 100644
index 0000000000000000000000000000000000000000..ef027578568db9f710388e671dbf0a50203fab4c
--- /dev/null
+++ b/chunks/json/4f7ed6327f39ac61edda76c2d0aea5df672a93ae94596bee44b405da47047d8d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":201471,"char_start":199750,"chunk_id":"chk_8d8ef163ab42b06f","chunk_index":117,"chunk_sha256":"4f7ed6327f39ac61edda76c2d0aea5df672a93ae94596bee44b405da47047d8d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"4f7ed6327f39ac61edda76c2d0aea5df672a93ae94596bee44b405da47047d8d","token_estimate":431,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"262\n\n2\n\n25\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\n263\n\n2\n\ne-17\n\nSALES\nCOMPARISON\nAPPROACH\n\nActual Age\n\nGSE Age Estimation\nIndicator\n\nIndicates if the age of the property is\nestimated.\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\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[@_SequenceIdentifier='1..\n2']/@GSEViewType\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\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/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/S\nALE_PRICE_ADJUSTMENT[@_Type='Design\nStyle']/@_Description\n"}
diff --git a/chunks/json/4f923796dba8060e1a489cea9f7743f1ddd11a81c36d9fd8aaa90d1577152401.json b/chunks/json/4f923796dba8060e1a489cea9f7743f1ddd11a81c36d9fd8aaa90d1577152401.json
new file mode 100644
index 0000000000000000000000000000000000000000..6c3ad8d7e8a86b82f2e360b4bf434c290213e13b
--- /dev/null
+++ b/chunks/json/4f923796dba8060e1a489cea9f7743f1ddd11a81c36d9fd8aaa90d1577152401.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8249,"char_start":6642,"chunk_id":"chk_b11ef388d1ec1cb3","chunk_index":4,"chunk_sha256":"4f923796dba8060e1a489cea9f7743f1ddd11a81c36d9fd8aaa90d1577152401","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"4f923796dba8060e1a489cea9f7743f1ddd11a81c36d9fd8aaa90d1577152401","token_estimate":402,"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":"Site Influence\n\nInfluence\nApparent Environmental\nCondition\n\nBody of Water\n\nOverhead Electric Power\nTransmission Line\n\nProximity\nOffsite | 3.5 Miles\n\nOnsite\n\nOnsite\n\nDetail\nLandfill\n\nLake\n\nNumber of Parcels\n\nContiguous\nElements Dividing Parcels\n\n2\nNo\nRoad\n\nAPN Description\nLand with Dwelling\n\nLand with Improvement\n\nParcel Size\n4.75 Acres\n\n0.25 Acres\n\nProperty Access\nPrimary Access\nStreet Type and Surface\nTypical for Market\n\nPublic Street\nRural Road | Gravel\nYes\n\nImpact\nAdverse\n\nBeneficial\n\nAdverse\n\nComment\nThe county landfill is known\nfor its noxious odors.\n\nThe water frontage has a\nbeneficial value impact.\n\nAlthough the subject\ndwelling is outside the fall\ndistance, the land is still\nunable to be developed and\nthe power lines are noisy.\n\nSite Influence Commentary The water frontage has a positive impact on value and offsets the negative factors from the power lines. The\nlandfill impacts a broader area and affects many homes.\n\nWater Frontage with Private Access\n\nTotal Linear Measurement\n\n40 Ft.\n\nPermanent Waterfront Feature\n\nDock\nPier\n\nFrontage\nLake\n\nName\nLake Virginia\n\nWaterfront Access Rights\nBy Permit\n\nAccess Depth\nShallow Water\n\nView and Impact to Value/Marketability\n\nView\nLake (Primary)\n\nHigh Voltage Power Lines\n\nWoods\n\nRange of View\nFull\n\nSeasonal\n\nPartial\n\nImpact\nBeneficial\n\nAdverse\n\nNeutral\n\nView Commentary Wooded views are typical in the market. High voltage power lines easement at edge of property can be viewed during\nwinter months.\n\nSite Features and Impact to Value/Marketability\n\nFeature\nNon-Residential Property Use\n\nDetail\nAgricultural\n\nHazard Zone\n\nNo Hazard Zone Noted\n"}
diff --git a/chunks/json/4fa15548e9bed7ff3f9bf4fde7ed719c74b8d3693667ed11caf79f036b073cf2.json b/chunks/json/4fa15548e9bed7ff3f9bf4fde7ed719c74b8d3693667ed11caf79f036b073cf2.json
new file mode 100644
index 0000000000000000000000000000000000000000..cf8f5851c7f45122a73424412f1cdd1ae8af46ab
--- /dev/null
+++ b/chunks/json/4fa15548e9bed7ff3f9bf4fde7ed719c74b8d3693667ed11caf79f036b073cf2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":132732,"char_start":131130,"chunk_id":"chk_730497f1092a5c2d","chunk_index":77,"chunk_sha256":"4fa15548e9bed7ff3f9bf4fde7ed719c74b8d3693667ed11caf79f036b073cf2","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"4fa15548e9bed7ff3f9bf4fde7ed719c74b8d3693667ed11caf79f036b073cf2","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Add comment if\nneeded.\n\nNew or Like New\n\nBathroom rarely used,\nshows nicely.\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\n8 Ft. | Flat\n\nQuality Comment\nWool carpeting.\n\nCondition Status\nTypical Wear and Tear\n\nCondition Comment\nAll floors were updated at the\nsame time as other interior\nwork was performed.\n\nTypical ceramic tile.\n\nTypical Wear and Tear\n\nNo adverse conditions noted.\n\nAdd comment if needed.\n\nDamaged and Functional\n\nSome areas of peeling paint.\n\nSignificantly Updated\n\nApparent Defects, Damages, Deficiencies (Unit Interior)\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nWalls and Ceiling\n\nLocation\nBedroom\n\nDescription\nPeeling paint was observed in one of the\nbedrooms of unit. Appears to be typical\ndeferred maintenance.\n\nUnit Interior Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nUnit Interior Exhibits\n\nAffects Soundness or\nStructural Integrity\nNo\n\nRecommended\nAction\nNone\n\nLevel 1 - Bath - Full - Bath 1\n\nLevel 1 - Bath - Full - Bath 2\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 8 of 22\nPage 8 of 22\n\nUnit Interior (continued)\n\nLevel 1 - Dining Room - Dining Area\n\nLevel 1 - Kitchen\n\nLevel 1 - Living Room\n\nApparent Defects, Damages, Deficiencies -\nWalls and Ceiling - Peeling Paint\n"}
diff --git a/chunks/json/4faceb9ba4c9affa60861b93850e94abc1e1ab8667bdcd8179f1974f9eb9369b.json b/chunks/json/4faceb9ba4c9affa60861b93850e94abc1e1ab8667bdcd8179f1974f9eb9369b.json
new file mode 100644
index 0000000000000000000000000000000000000000..0994af21322f412b07290976d4db992e46e310ee
--- /dev/null
+++ b/chunks/json/4faceb9ba4c9affa60861b93850e94abc1e1ab8667bdcd8179f1974f9eb9369b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":321033,"char_start":319059,"chunk_id":"chk_94a10333fb45d5c3","chunk_index":176,"chunk_sha256":"4faceb9ba4c9affa60861b93850e94abc1e1ab8667bdcd8179f1974f9eb9369b","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"4faceb9ba4c9affa60861b93850e94abc1e1ab8667bdcd8179f1974f9eb9369b","token_estimate":494,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"investment property refinance transactions;\ncertain purchase, limited cash-out, and cash-out refinance transactions; and\n\nIneligible Transactions\n\nThe following transactions are not eligible for a value acceptance offer:\n\ntwo- to four-unit properties;\nco-op units and manufactured homes;\n\n•\n•\n• proposed construction;\n•\n• HomeStyle Renovation and HomeStyle Energy loans;\n•\n\nleasehold properties;\n\nconstruction-to-permanent loans (single-close and two-close);\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 121 of 166\n\nUAD 3.6 Policy\n\n•\n•\n\nTexas Section 50(a)(6) loans;\ncommunity land trusts or other properties with resale price restrictions, which include loan casefiles using the Affordable\nLTV feature;\ntransactions where either the purchase price or estimated value provided to DU is $1,000,000 or more;\ntransactions using gifts of equity;\n\n•\n•\n• DU loan casefiles that receive an Ineligible recommendation; and\n• manually underwritten loans.\n\nNote: DU may offer value acceptance on a recently constructed property (i.e., new construction) when there is an existing “as is”\nprior appraisal for the subject property. For example, an appraisal of the subject property may have been performed for a\ndifferent lender or borrower, but that loan did not close. The lender may exercise the value acceptance offer when the loan meets\nall other eligibility criteria for the transaction.\n\nFurthermore, the lender may not exercise a value acceptance offer and must order an appraisal if one or more of the following\napplies:\n\n• DU was unable to identify ineligible criteria in the list above (for example, Texas Section 50(a)(6) loans);\n•\nthe lender is required by law to obtain an appraisal (see Selling Guide A3-2-01, Compliance With Laws);\n•\nthe lender is using rental income from the subject property to qualify the borrower; or\n•\nthe lender believes that an appraisal is warranted based on additional information the lender has about the property or\nsubsequent events.\n"}
diff --git a/chunks/json/4facfec2c3914144b7ddb6d1c0605f47a884b36e80d5eda9feb587d186087634.json b/chunks/json/4facfec2c3914144b7ddb6d1c0605f47a884b36e80d5eda9feb587d186087634.json
new file mode 100644
index 0000000000000000000000000000000000000000..2095ede4e59f4c1db212c355ce56ef3f597a4c14
--- /dev/null
+++ b/chunks/json/4facfec2c3914144b7ddb6d1c0605f47a884b36e80d5eda9feb587d186087634.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":350174,"char_start":348308,"chunk_id":"chk_1a1423aa0702ec00","chunk_index":204,"chunk_sha256":"4facfec2c3914144b7ddb6d1c0605f47a884b36e80d5eda9feb587d186087634","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"4facfec2c3914144b7ddb6d1c0605f47a884b36e80d5eda9feb587d186087634","token_estimate":467,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"488\n\n6\n\n18\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nExpiration Date of\nCertification or License\n\nAppraiser License\nExpiration Date\n\nThe expiration date of the appraiser's\nlicense.\n\n/VALUATION_RESPONSE/PARTIES/APPRA\nISER/APPRAISER_LICENSE/@_ExpirationDa\nte\n\n12\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nThis field is required unless the value of field\n(6-15) is 'trainee' and fields 6-13,6-14, and 6-\n16 are not populated,\n\n489\n\n6\n\n19\n\nAPPRAISER\nCERTIFICATION\n\nADDRESS OF\nPROPERTY\nAPPRAISED\n\nProperty Street\nAddress\n\nThe unstructured (Unparsed) street\naddress of the subject property (e.g.,\n123 Main Street).\n\n/VALUATION_RESPONSE/PROPERTY/@_St\nreetAddress\n\n45\n\nString\n\n490\n\n6\n\n20a\n\nAPPRAISER\nCERTIFICATION\n\nAddress of Property\nAppraised\nCity,State,Zip\n\nProperty City\n\nThe city in which the subject property\nis located.\n\n/VALUATION_RESPONSE/PROPERTY/@_C\nity\n\n40\n\nString\n\n491\n\n6\n\n20b\n\nAPPRAISER\nCERTIFICATION\n\nAddress of Property\nAppraised\nCity,State,Zip\n\nProperty State\n\nThe state in which the subject\nproperty is located.\n\n/VALUATION_RESPONSE/PROPERTY/@_St\nate\n\n2\n\nString\n\nPDF Display Format:\nmm/dd/yyyy\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)\nThis data is referenced more than once on the form (fields 1-6, 2-11, 6-19) and\nmust be represented consistently 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\nincluded in this field:\n· City\nThis data is referenced more than once on the form (fields 1-7, 2-12a, 6-20a)\nand must be represented consistently.\n"}
diff --git a/chunks/json/53926dc7885d9f258dc6a83a64d19a2f62a453464b4d83a1f11043e3ec05c304.json b/chunks/json/53926dc7885d9f258dc6a83a64d19a2f62a453464b4d83a1f11043e3ec05c304.json
new file mode 100644
index 0000000000000000000000000000000000000000..a787b2e36caf99767da1d47809e858317d4779e0
--- /dev/null
+++ b/chunks/json/53926dc7885d9f258dc6a83a64d19a2f62a453464b4d83a1f11043e3ec05c304.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3541,"char_start":3279,"chunk_id":"chk_371ed7e200b5af90","chunk_index":2,"chunk_sha256":"53926dc7885d9f258dc6a83a64d19a2f62a453464b4d83a1f11043e3ec05c304","date_utc":"2026-01-27T18:02:38+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_54a7d35b3afe889c","text_sha256":"53926dc7885d9f258dc6a83a64d19a2f62a453464b4d83a1f11043e3ec05c304","token_estimate":66,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-august-release-notes-august-17-2024.pdf","below_target_min_tokens"]},"text":"For more information\n\nFor more information about these Release Notes, lenders may contact their Fannie Mae Business Account Management Solutions\nteam, and mortgage brokers should contact their DO sponsoring wholesale lender.\n\n© 2024 Fannie Mae.\n\n6.18.24\n\n2 of 2\n"}
diff --git a/chunks/json/539ae2ba842989becd0578ce5b1a2fe27800c8ede2e988f4d2af804668ff2ee2.json b/chunks/json/539ae2ba842989becd0578ce5b1a2fe27800c8ede2e988f4d2af804668ff2ee2.json
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index 0000000000000000000000000000000000000000..d5132bc3ca033f841a282b123f4a3ef79eb445d6
--- /dev/null
+++ b/chunks/json/539ae2ba842989becd0578ce5b1a2fe27800c8ede2e988f4d2af804668ff2ee2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":195358,"char_start":193744,"chunk_id":"chk_c032567700a6a28c","chunk_index":96,"chunk_sha256":"539ae2ba842989becd0578ce5b1a2fe27800c8ede2e988f4d2af804668ff2ee2","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"539ae2ba842989becd0578ce5b1a2fe27800c8ede2e988f4d2af804668ff2ee2","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Years 9 – 11\nPrincipal & Interest\nmax\n\nTable 74. P&I Payments for 5-3 ARM\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\n\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\n1007.35\n\nProjectedPaymentPr\nincipalAndInterestMi\nnimumPaymentAmo\nunt\n\nRepresented on the\nform as “$1,007\nmin”\n\nFourth Instance of PROJECTED_PAYMENT\n\n5.2.9\n\n5.2.8\n\nYears 12 – 30\nPrincipal & Interest\nmax\n\n…/PROJECTED_PAY\nMENT\n\nYears 12 – 30\nPrincipal & Interest\nmax\n\n1870.15\n\n1007.35\n\nProjectedPaymentPr\nincipalAndInterestM\naximumPaymentAm\nount\n\nProjectedPaymentPr\nincipalAndInterestMi\nnimumPaymentAmo\nunt\n\nRepresented on the\nform as “$1,870\nmax”\n\nRepresented on the\nform as “$1,007\nmin”\n\nEnd of PROJECTED_PAYMENT Instances\n\nb. I NTEREST ONLY FEATURE\n\nIf the loan has an interest only feature, the phrase “only interest” must appear in the first Year Range column,\nimmediately below the P&I payment amounts (form field ID 5.2.3).\n\nFor example: Figure 58 illustrates a 30-year, fixed rate loan with no balloon or negative amortization feature.\nThe loan has a 7-year interest-only period, so the P&I payment will increase at the end of the interest only term.\nTable 75 shows how this data is represented in the XML file.\n\n5.0 Projected Payments\n\n5.1 Payment Calculation\n\n5.1.1\n\nYears 1 – 7\n\n5.2 Principal & Interest\n\n5.2.1\n\n5.2.2\n\n5.2.3\n\n$761.78\nonly interest\n\n5.1.2\n\n5.2.4\n\n5.2.5\n\nYears 8 – 30\n\n$795.83\n\nFigure 58. P&I Payments for Loan with an Interest Only Feature\n\nTable 75. P&I Payments for Loan with Interest-Only Feature\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 PROJECTED_PAYMENT\n"}
diff --git a/chunks/json/53af38584e6f337c9bb56aeb08a43d42d539bd986ef2e734559bef676f859215.json b/chunks/json/53af38584e6f337c9bb56aeb08a43d42d539bd986ef2e734559bef676f859215.json
new file mode 100644
index 0000000000000000000000000000000000000000..3cb55b5c16469a4fd5d2e6cbf37087e033e6e214
--- /dev/null
+++ b/chunks/json/53af38584e6f337c9bb56aeb08a43d42d539bd986ef2e734559bef676f859215.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13488,"char_start":12682,"chunk_id":"chk_57c33ca38b817ece","chunk_index":12,"chunk_sha256":"53af38584e6f337c9bb56aeb08a43d42d539bd986ef2e734559bef676f859215","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"53af38584e6f337c9bb56aeb08a43d42d539bd986ef2e734559bef676f859215","token_estimate":413,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"4.0(cid:25)(cid:22)\n\nSite Features Commentary\n\n4.0(cid:25)(cid:25)\n\nUtilities and Impact to Value/Marketability\n\nBroadband Internet Available\n\n4.0(cid:25)(cid:26)\n\nElectricity\n\nGas\n\n4.0(cid:25)(cid:28)\n\n4.0(cid:26)(cid:24)\n\nPublic\n4.0(cid:26)(cid:19)\n4.0(cid:26)(cid:25)\n\nSanitary Sewer\n\n4.0(cid:27)(cid:20)\n\n4.0(cid:27)(cid:21)\n\nWater\n\n4.0(cid:28)(cid:22)\n\n4.0(cid:27)(cid:26)\n\n4.0(cid:27)(cid:27)\n\n4.0(cid:28)(cid:23)\n\nPrivate\n4.0(cid:26)(cid:20)\n\n4.0(cid:26)(cid:26)\n\n4.0(cid:27)(cid:22)\n\n4.0(cid:27)(cid:28)\n\n4.0(cid:28)(cid:24)\n\nDetail\n4.0(cid:26)(cid:21)\n\n4.0(cid:26)(cid:27)\n\n4.0(cid:27)(cid:23)\n\n4.0(cid:28)(cid:19)\n\n4.0(cid:28)(cid:25)\n\nImpact\n4.0(cid:23)(cid:24)\n\n4.0(cid:23)(cid:27)\n\n4.0(cid:24)(cid:21)\n\n4.0(cid:24)(cid:25)\n\n4.0(cid:25)(cid:19)\n\n4.0(cid:25)(cid:23)\n\nComment\n4.0(cid:23)(cid:25)\n"}
diff --git a/chunks/json/53df1f1f135d616c6c6f93119db78649da32299a234760bd715d2c5d488a00ac.json b/chunks/json/53df1f1f135d616c6c6f93119db78649da32299a234760bd715d2c5d488a00ac.json
new file mode 100644
index 0000000000000000000000000000000000000000..e276dfd9c402246e4d90fa894eeb9a1cb1058791
--- /dev/null
+++ b/chunks/json/53df1f1f135d616c6c6f93119db78649da32299a234760bd715d2c5d488a00ac.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":347528,"char_start":345912,"chunk_id":"chk_02dc8d42a10886f3","chunk_index":205,"chunk_sha256":"53df1f1f135d616c6c6f93119db78649da32299a234760bd715d2c5d488a00ac","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"53df1f1f135d616c6c6f93119db78649da32299a234760bd715d2c5d488a00ac","token_estimate":404,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"industry, 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\n\nExample:\n\nAny other items that do not require repair, replacement, or inspection may also be reported using the\nRecommended Action of None. Example:\n\nAppendix F-1: URAR Reference Guide\n\nPage 145 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n10 Unit Interior\n\nReference the appropriate government agency appraisal guidelines for specific requirements.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nApparent Defects, Damages, Deficiencies (Unit Interior)\n\n10.052 N/A\n\n10.053 N/A\n\n10.054 N/A\n\nDisplay only\n\nDisplay only\n\nN/A\n\nN/A\n\nIf the unit is an ADU in an outbuilding, Outbuilding Type redisplays from 10.000.\n\nIf applicable, Structure Identifier redisplays from 10.001.\n\nDisplays when there is\nmore than one living\nunit\n\nFree-form\n\nIf applicable, Unit Identifier redisplays from 10.002.\n\n10.055 N/A\n\nAlways required\n\nYes |No\n\n10.055 N/A\n\nDisplays when Unit\nInterior Defects Exist is\nYes\n\nN/A\n\nUnit Interior Defects Exist: Indicates whether there are apparent defects,\ndamages, or deficiencies for the indicated unit.\n•\n\nIf No, “None” displays, and the Apparent Defects, Damages, Deficiencies\n(Unit Interior) table does not display.\n\nThe items listed below represent the As Is condition as of the effective date of\nthis report\n\nInformation About Each Defect, Damage, or Deficiency\n"}
diff --git a/chunks/json/53e78ddf41b3a0b0a5cbc2897f597d315649e0e4fe687a8ac4bdece857f91ef3.json b/chunks/json/53e78ddf41b3a0b0a5cbc2897f597d315649e0e4fe687a8ac4bdece857f91ef3.json
new file mode 100644
index 0000000000000000000000000000000000000000..266f0f8f139a7ae2637141d897c07cc7ef611bca
--- /dev/null
+++ b/chunks/json/53e78ddf41b3a0b0a5cbc2897f597d315649e0e4fe687a8ac4bdece857f91ef3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":435571,"char_start":433938,"chunk_id":"chk_270890be8ee4fe84","chunk_index":246,"chunk_sha256":"53e78ddf41b3a0b0a5cbc2897f597d315649e0e4fe687a8ac4bdece857f91ef3","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"53e78ddf41b3a0b0a5cbc2897f597d315649e0e4fe687a8ac4bdece857f91ef3","token_estimate":408,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"MISMO v3.3.0\nContext\n\nMISMO v3.3.0\nValue\n\nNotes\n\n…/PRINCIPAL_AND_I\nNTEREST_PAYMENT\n_ADJUSTMENT/PRIN\nCIPAL_AND_INTERE\nST_PAYMENT_LIFETI\nME_ADJUSTMENT_\nRULE\n\nFirstPrincipalAndInt\nerestPaymentChang\neMonthsCount\n\nPrincipalAndInterest\nPaymentMaximumA\nmountEarliestEffecti\nveMonthsCount\n\n61\n\n61\n\nAdjustmentRuleTyp\ne\n\nFirst\n\nRepresented in AP\nTable as “at 61st\npayment”\n\nRepresented in AP\nTable as “starting at\n61st payment”\n\nROF as “First”\n\nID (bullet)\n\nForm Field Name\n\n19.6 |\n4.3.3(1)\n\nFirst Change /\nAmount …\n\n19.8 |\n4.3.3(2)\n\nMaximum Payment\n… starting at ___\npayment\n\n19.6 |\n4.3.3(1),\n(2)\n19.8\n|4.3.3(2)\n\nFirst Change /\nAmount…\n\nMaximum Payment\n$___ …\n\nAppendix E: UCD Implementation Guide\n\nPage 202 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n19.0 Adjustable Payment (AP) Table\n\nID (bullet)\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 135. Optional Payment Loan\n\n19.6\n\nFirst Change /\nAmount…$\n\n19.7\n\nSubsequent\nChanges Every #___\nyears\n19.5 | 4.3 _____ Principal and\n\nInterest Payments\n\n19.2\n\nOptional Payments?\n\nPerChangeMaximu\nmPrincipalAndIntere\nstPaymentAmount\n\n925.00\n\nROF as “$925.00”\n\nFor fixed rate payment option loans with only one payment option period, no explicit\ndata is sent to represent “No Subsequent Changes”\n\n…/PAYMENT/PAYME\nNT_RULE\n\nPaymentFrequencyT\nype\n\nMonthly\n\nROF as “Monthly”\n\nPaymentOptionIndic\nator\n\nTrue\n\nRepresented in AP\nTable as “YES”\n\n19.2.1\n\nFor your first ____\npayments\n\n…/PAYMENT/PAYME\nNT_RULE/EXTENSIO\nN/OTHER\n\ngse:TotalOptionalPa\nymentCount\n\n60\n\nRepresent in AP\ntable as “first 60\npayments”\n\n19. 3 | 19. 5 – 19. 8 STEP PAYMENTS?\n"}
diff --git a/chunks/json/540430513bce5b5c20e6448ab0102b5f8f31d170f009dd8190ef57d4b95475a1.json b/chunks/json/540430513bce5b5c20e6448ab0102b5f8f31d170f009dd8190ef57d4b95475a1.json
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index 0000000000000000000000000000000000000000..e436ff3908bdde4c454dfeb42c50d93e441c16d2
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+++ b/chunks/json/540430513bce5b5c20e6448ab0102b5f8f31d170f009dd8190ef57d4b95475a1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":2127,"char_start":0,"chunk_id":"chk_dfd10855970cca63","chunk_index":0,"chunk_sha256":"540430513bce5b5c20e6448ab0102b5f8f31d170f009dd8190ef57d4b95475a1","date_utc":"2026-01-27T18:02:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3690e8660b43b993","text_sha256":"540430513bce5b5c20e6448ab0102b5f8f31d170f009dd8190ef57d4b95475a1","token_estimate":532,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-march-release-notes-march-15-2025.pdf"]},"text":"Desktop Underwriter Validation Service\nRelease Notes\n\nFebruary 5, 2025\n\nDuring the weekend of April 4, 2025, Fannie Mae will implement an update to the Desktop Underwriter® (DU®) validation service\nthat expands the income types eligible to receive validation using a 12-month asset verification report. These changes will apply\nto loan casefiles submitted or resubmitted on or after the weekend of April 4th, 2025.\n\nExpansion of Income and Employment Validation to include Military Base\nPay and Entitlements\n\nMilitary employment, base pay, and those entitlements specified in the DU loan application will now be eligible to receive\nvalidation using a 12-month asset verification report. This eligibility includes income and employment for military personnel\nserving in the Reserves and/or National Guard.\n\nAs a reminder, the lender must provide the name of the military employer (e.g., U.S. Army) and enter military income in the DU\nfield specified for this purpose (i.e., military base pay). Entitlements are entered individually according to the type of entitlement\n(e.g., quarter’s allowance).\n\nWhen both military base pay and entitlements are entered in DU, DU will attempt to validate the total amount of military income.\nIn other words, DU will not separately validate military base pay from entitlements. When military income is validated, the lender\nis not required to obtain the borrower’s military Leave and Earnings Statement (LES) to document income.\n\nWhen the DU validation service identifies an eligible military income stream, DU will attempt to validate employment by matching\nthe name of the military employer in DU with known military employer names (e.g., U.S. Army). When military employment is not\nvalidated by DU (e.g., military employer name is not entered in DU), the lender may continue to verify employment using a written\nor verbal verification of employment (verbal VOE), a military Leave and Earnings Statement dated within 120 calendar days prior\nto the note date, or a verification of employment through the Defense Manpower Data Center. See Selling Guide B3-3.1-07 for\ninformation on verbal VOE.\n"}
diff --git a/chunks/json/5407f852953889ca9a543f82ee075f83586abca0a0eee503b5533c3bf981548f.json b/chunks/json/5407f852953889ca9a543f82ee075f83586abca0a0eee503b5533c3bf981548f.json
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diff --git a/chunks/json/540f0e60a2d43bd12520d607bcef7015d0ca935a2e3e40ef5fb223747fb22b0e.json b/chunks/json/540f0e60a2d43bd12520d607bcef7015d0ca935a2e3e40ef5fb223747fb22b0e.json
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index 0000000000000000000000000000000000000000..8a41b14572d5c52e17eec93a909d3ba8eab5f21d
--- /dev/null
+++ b/chunks/json/540f0e60a2d43bd12520d607bcef7015d0ca935a2e3e40ef5fb223747fb22b0e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":53060,"char_start":51402,"chunk_id":"chk_af6a1810f4af6842","chunk_index":28,"chunk_sha256":"540f0e60a2d43bd12520d607bcef7015d0ca935a2e3e40ef5fb223747fb22b0e","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"540f0e60a2d43bd12520d607bcef7015d0ca935a2e3e40ef5fb223747fb22b0e","token_estimate":415,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"Lien Status: Lien Status is a modified\n\nHMDA data element that indicates\nwhether the loan is Secured by a First\nLien, or Secured by a Subordinate\nLien.83 The current PUDB Single-Family\nCensus Tract File discloses Lien Status\nwithout modification, in conformance\nwith the CFPB Privacy Guidance.84 Lien\nStatus will continue to be disclosed in\nthis File without modification.\n\nLoan Purpose (Purchase, Refinancing,\nand Home Improvement): Loan Purpose\nis a modified HMDA data element that\nindicates whether the loan was for\nPurchase, Refinancing, Cash-Out\nRefinancing, Home Improvement, or\nOther.85 The Loan Purpose values for\nPurchase, Refinancing, and Home\nImprovement are disclosed in the\ncurrent PUDB Single-Family Census\nTract File without modification and will\ncontinue to be disclosed in this manner\nin the Census Tract File, in conformance\nwith the CFPB Privacy Guidance.86 As\ndiscussed above in Section II.B.1, the\nnew Cash-Out Refinancing value will be\nadded to the PUDB.\n\n3. HMDA Single-Family Data Elements\nExcluded From the PUDB Due to Data\nQuality Questions\n\nFHFA has identified several new\nHMDA single-family data elements in\nrecently updated Enterprise single-\nfamily loan seller data collections. They\ninclude data elements drawn from the\nEnterprises’ Uniform Closing Datasets\n\n80 See FHFA 2010 Order, 75 FR at 41186.\n81 12 CFR 1003.4(a)(13). A HOEPA loan is a loan\n\nsubject to the Home Ownership and Equity\nProtection Act of 1994, as implemented by\nRegulation Z, 12 CFR 1026.32, by reason of its\ninterest rate or its points and fees. The Enterprises\npurchase very few such loans.\n\n82 84 FR at 656.\n83 12 CFR 1003.4(a)(14). The CFPB modified this\n"}
diff --git a/chunks/json/541fe12294ab83c1057d673fdd211dea8f9aacb728774441ae955638ee0edc4a.json b/chunks/json/541fe12294ab83c1057d673fdd211dea8f9aacb728774441ae955638ee0edc4a.json
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index 0000000000000000000000000000000000000000..4a06c5b10d51a19ac4e160d981adbebcd11e24bf
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+++ b/chunks/json/541fe12294ab83c1057d673fdd211dea8f9aacb728774441ae955638ee0edc4a.json
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+{"chunk":{"char_end":425627,"char_start":424030,"chunk_id":"chk_a823040fc8d9d484","chunk_index":249,"chunk_sha256":"541fe12294ab83c1057d673fdd211dea8f9aacb728774441ae955638ee0edc4a","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"541fe12294ab83c1057d673fdd211dea8f9aacb728774441ae955638ee0edc4a","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"If field 1-93 (Site Zoning Compliance\nType = 'Nonconforming') is indicated,\nthen one and only one of fields 1-94\nand 1-95 (values of Site Zoning Permit\nRebuild To Current Density Indicator)\nshould be indicated.\n\nOne and only one of fields 1-92, 1-93,\n1-96, 1-97 (values of Site Zoning\nCompliance Type) should be indicated.\nOne and only one of fields 1-92, 1-93,\n1-96, 1-97 (values of Site Zoning\nCompliance Type) should be indicated.\n\nThis field should be populated if field 1-\n97 (Site Zoning Compliance Type =\n'Illegal') is indicated.\n\nOne and only one of fields 1-99, 1-100\n(values of Highest and Best Use\nIndicator) should be indicated.\n\nOne and only one of fields 1-99, 1-100\n(values of Highest and Best Use\nIndicator) should be indicated.\n\nThis field should be populated if field 1-\n100 (Highest and Best indicator = 'N')\nis indicated.\n\nIf utilities are present, at least one of\nfields 1-102, 1-103 (Site Utility Public\nIndicator = 'Y' or Site Utility Non\nPublic Indicator = 'Y') must be\nindicated. If no utilities are present\n'None' must be populated in field 1-104\n(Site Utility Non Public Description).\n\nIf utilities are present, at least one of\nfields 1-102, 1-103 (Site Utility Public\nIndicator = 'Y' or Site Utility Non\nPublic Indicator = 'Y') must be\nindicated. If no utilities are present\n'None' must be populated in field 1-104\n(Site Utility Non Public Description).\n\nIf field 1-103 (Site Utility Non Public\nIndicator) is indicated, this field is\nrequired. If no utilities are present\n'None' must be populated.\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"}
diff --git a/chunks/json/542a41a7fc2bbd287beab696fd80721f8513e353cc8d747c653d6bd7e1a1f05d.json b/chunks/json/542a41a7fc2bbd287beab696fd80721f8513e353cc8d747c653d6bd7e1a1f05d.json
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index 0000000000000000000000000000000000000000..a4ee6c7b2d09c4fbf27c0d7bc667270032e404b9
--- /dev/null
+++ b/chunks/json/542a41a7fc2bbd287beab696fd80721f8513e353cc8d747c653d6bd7e1a1f05d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":264102,"char_start":262478,"chunk_id":"chk_ec1096b78487bd68","chunk_index":154,"chunk_sha256":"542a41a7fc2bbd287beab696fd80721f8513e353cc8d747c653d6bd7e1a1f05d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"542a41a7fc2bbd287beab696fd80721f8513e353cc8d747c653d6bd7e1a1f05d","token_estimate":406,"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]/SALE_PRICE_ADJUSTMENT[@_Type='Bas\nementArea']/@_Amount\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/@GSEBelowGradeRecreationRoomCou\nnt\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/@GSEBelowGradeBedroomRoomCount\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThe appraisal report must indicate the square footage in whole numbers only,\nno commas. If there is no basement, a value of zero (0) must be entered.\n\n5\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\nR\n\nR\n\nR\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThe appraisal report must indicate the finished square footage in whole\nnumbers only, no commas. If 0% finished, a value of zero (0) must be entered.\n\n5\n\nNumeric\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"}
diff --git a/chunks/json/542d68523841e6d93f2705601cde5d2649d640fe5c381a3e08a23e81f9ca2a49.json b/chunks/json/542d68523841e6d93f2705601cde5d2649d640fe5c381a3e08a23e81f9ca2a49.json
new file mode 100644
index 0000000000000000000000000000000000000000..7324a6aaf1745451c8a7faa77a2f232aedc1ffd5
--- /dev/null
+++ b/chunks/json/542d68523841e6d93f2705601cde5d2649d640fe5c381a3e08a23e81f9ca2a49.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":352532,"char_start":350891,"chunk_id":"chk_a7082a0c8e9758e8","chunk_index":208,"chunk_sha256":"542d68523841e6d93f2705601cde5d2649d640fe5c381a3e08a23e81f9ca2a49","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"542d68523841e6d93f2705601cde5d2649d640fe5c381a3e08a23e81f9ca2a49","token_estimate":410,"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 147 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n11 Functional Obsolescence\n\n11 Functional Obsolescence\n\nThe Functional Obsolescence section always displays, and provides information about any functional issues for\nthe property, as well as space for additional commentary and exhibits.\n\nExample:\n\nFunctional Obsolescence\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n11.000\n\nFunctional Issues Always required\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswer from table\n(Functional Issues)\n\nDefinition / Additional Guidance\n\nNone\nCeiling Height\nFloor Plan\nNonconformity\nOverimprovement\nUnderimprovement\nOther (Describe)\n\nFunctional Issue: An apparent functional issue observed.\n•\n•\n•\n•\n•\n•\n•\nNotes:\n•\n\nIf functional issues are identified, describe the issue and the impact to\nvalue and marketability in Functional Obsolescence Commentary.\nPhoto(s) may be provided, which display in Functional Obsolescence\nExhibits.\n\n•\n\n11.001\n\nFunctional\nObsolescence\nCommentary\n\nIf there are functional\nissues, or if relevant\n\nFree-form\n\nCommentary could include information pertinent to the Functional\nObsolescence section that is not captured in the discrete data, or additional\ndetails to support the discrete data that is provided.\n\nAppendix F-1: URAR Reference Guide\n\nPage 148 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n11 Functional Obsolescence\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nFunctional Issues (Choose all that apply)\n\nNone\n\nCeiling Height\n\nFloor Plan\n\nNonconformity\n\nOverimprovement\n\nSelect None if there were no functional issues observed by the appraiser.\n"}
diff --git a/chunks/json/543854ba5012b7b3405cb632c561c81d70a9b3e3442e0d31eedd395a18fa6ab5.json b/chunks/json/543854ba5012b7b3405cb632c561c81d70a9b3e3442e0d31eedd395a18fa6ab5.json
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+++ b/chunks/json/543854ba5012b7b3405cb632c561c81d70a9b3e3442e0d31eedd395a18fa6ab5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":991,"char_start":0,"chunk_id":"chk_85df7dbd063e4094","chunk_index":0,"chunk_sha256":"543854ba5012b7b3405cb632c561c81d70a9b3e3442e0d31eedd395a18fa6ab5","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_600829ed3293b54e","text_sha256":"543854ba5012b7b3405cb632c561c81d70a9b3e3442e0d31eedd395a18fa6ab5","token_estimate":248,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/pe-whole-loan-integration-impact-memo-july-29-2022.pdf"]},"text":"Change to PE - Whole Loan Browse Price screen\n\nIntegration Impact Memo\n\nJuly 29, 2022\n\nWe are making a change to the Browse Price screen in Pricing & Execution - Whole Loan® (PE - Whole Loan®) to ensure\n\nall priced rates are displayed on one screen. The B2B Browse Price functionality will be impacted as well. The number\n\nof available rows will no longer be restricted to 25 rows per product grid and the number of pricing rows returned may\n\nvary by product. These changes are now available in our test environment.\n\nPlease use the following endpoints for testing:\n\n• Browse Price: https://api-clve.fanniemae.com/soap/BrowsePriceB2BService\n\n• Commitment: https://api-clve.fanniemae.com/soap/CommitmentB2BService\n\nWe anticipate this change will be available in production in 4-6 weeks, based on lender feedback, and will\ncommunicate the exact date two weeks in advance.\n\nPlease send feedback and questions to the PE - Whole Loan Integration team.\n\n© 2022 Fannie Mae\n\nAugust 2022 Page 1 of 1\n"}
diff --git a/chunks/json/5446cae5842625cbd17d01445860dd09d4437f9fdcd13c4df6acad0b62402fe9.json b/chunks/json/5446cae5842625cbd17d01445860dd09d4437f9fdcd13c4df6acad0b62402fe9.json
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+++ b/chunks/json/5446cae5842625cbd17d01445860dd09d4437f9fdcd13c4df6acad0b62402fe9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":526579,"char_start":524956,"chunk_id":"chk_b7be42c09b553d08","chunk_index":310,"chunk_sha256":"5446cae5842625cbd17d01445860dd09d4437f9fdcd13c4df6acad0b62402fe9","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5446cae5842625cbd17d01445860dd09d4437f9fdcd13c4df6acad0b62402fe9","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@_HeatingCoolingMet\neredSeparatelyIndicator='Y']\n\nUAD Requirement - Refer to Appendix D Improvments Section\nSpecify Above Grade Gross Living Area Only\nGross Living Area (GLA) must be reported in square feet.\n\nPDF Display Format:\nWhole Numbers only.\n\n5\n\n1\n\n1\n\nNumeric\n\nBoolean\n\nBoolean\n\n287\n\n288\n\n2\n\n2\n\n85\n\n86\n\nUNIT\nDESCRIPTION\n\nUNIT\nDESCRIPTION\n\nAre the heating and cooling for\nthe individual units separately\nmetered?\nNo\n\nStructure Heating\nCooling Metered\nSeparately\nIndicator\n\nAre the heating and cooling for\nthe individual units separately\nmetered?\nIf No, describe and comment on\ncompatibility to other projects in\nthe market area.\n\nStructure Heating\nCooling Metered\nSeparately\nDescription\n\nIndicates that individual units are capable\nof measuring and billing their heating and\ncooling utility use separately.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@_HeatingCoolingMet\neredSeparatelyIndicator='N']\n\nA free-form text field used to detail how\nthe Heating and Cooling utility use is\nmetered separately per unit.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@_HeatingCoolingMet\neredSeparatelyDescription\n\n4000\n\nString\n\nThis field should contain a description of comparability to other projects in the market\narea.\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\n289\n\n2\n\n87\n\nUNIT\nDESCRIPTION\n\nAdditional features (special\nenergy efficient items, etc.)\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"}
diff --git a/chunks/json/5449046f94c4372536d268c749135202c3c8961cafc7fd2e79ff39a8afdcf41b.json b/chunks/json/5449046f94c4372536d268c749135202c3c8961cafc7fd2e79ff39a8afdcf41b.json
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index 0000000000000000000000000000000000000000..7869f662d29836e97c93bfb5716c20e64a7fcc57
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+++ b/chunks/json/5449046f94c4372536d268c749135202c3c8961cafc7fd2e79ff39a8afdcf41b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13242,"char_start":12054,"chunk_id":"chk_2c65216ea7daf184","chunk_index":7,"chunk_sha256":"5449046f94c4372536d268c749135202c3c8961cafc7fd2e79ff39a8afdcf41b","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_dc369abd05ecb9dc","text_sha256":"5449046f94c4372536d268c749135202c3c8961cafc7fd2e79ff39a8afdcf41b","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Advisory_Bulletins___FHFA_6rseul.md"]},"text":"September 28, 2018\n\n## [Oversight of Third-Party Provider Relationships](/advisory-bulletin/ab-2018-08)\n - Federal Home Loan Banks, Fannie Mae, Freddie Mac\n\nSeptember 28, 2018\n\n## [Interest Rate Risk Management](/advisory-bulletin/ab-2018-09)\n - Federal Home Loan Banks\n\nAugust 27, 2018\n\n## [Federal Home Loan Bank Liquidity Guidance](/advisory-bulletin/ab-2018-07)\n - [1](?page=0)\n - [2](?page=1)\n - [3](?page=2)\n - [Next](?page=1)\n - [Last](?page=2)\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/5460fa0fee92de55d46fe4a124ca61a720f15566a5f90132c22b94bf2c2ab5f4.json b/chunks/json/5460fa0fee92de55d46fe4a124ca61a720f15566a5f90132c22b94bf2c2ab5f4.json
new file mode 100644
index 0000000000000000000000000000000000000000..def1c0dce2fb8d495197ed69ef924b9ee313a731
--- /dev/null
+++ b/chunks/json/5460fa0fee92de55d46fe4a124ca61a720f15566a5f90132c22b94bf2c2ab5f4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13305,"char_start":11699,"chunk_id":"chk_50a1f6f954848756","chunk_index":7,"chunk_sha256":"5460fa0fee92de55d46fe4a124ca61a720f15566a5f90132c22b94bf2c2ab5f4","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"5460fa0fee92de55d46fe4a124ca61a720f15566a5f90132c22b94bf2c2ab5f4","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"This 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\nData Fields Specific to the Risk Scores and Representation and Warranty Eligibility\n\nField Name\n\nDefinition / Description\n\nDocument Status\n\nStatus of the appraisal report document associated with a property. The\nstatus is determined by the results of all document validations; if no fatal\nseverity findings are fired, status is \"Successful\"; if fatal severity findings\nare fired, status is \"Not Successful.\"\n\nFannie Mae Value Rep\nand Warrant Relief\n\nFannie Mae indicator of whether the submitted document is eligible for\nrepresentation and warranty relief.\n\nFannie Mae Risk Score\n\nFannie Mae score from 1.0 to 5.0 that represents the overall risk as\ndetermined by Collateral Underwriter (CU).\n\nFreddie Mac Collateral\nRep and Warranty\nRelief\n\nFreddie Mac Risk\nScore\n\nFreddie Mac collateral representation and warranty relief eligibility\ncorresponds to an appraisal report with a risk score of 2.5 or lower.\n\nFreddie Mac Loan Collateral Advisor Risk Score is real-time risk score that\nprovides a view of overvaluation risk associated with an appraisal report.\nThe scoring scale is between 1 and 5 in 0.5 increments with 1 representing\nthe lowest risk of overvaluation and 5 representing the highest risk of\novervaluation. Appraisals reports that are well aligned, or below the HVE\npoint value, are considered to have a lower risk of overvaluation and,\ntherefore, exhibit lower risk scores.\n\nAppears on\n[FNM, FRE, Both] *\nBoth\n"}
diff --git a/chunks/json/5475a7756ebb238f65f708e90ab741c4b70088a7e850b2a61d66c5840ec0b97e.json b/chunks/json/5475a7756ebb238f65f708e90ab741c4b70088a7e850b2a61d66c5840ec0b97e.json
new file mode 100644
index 0000000000000000000000000000000000000000..f688699c54cc904620d5df0353760b999940fd60
--- /dev/null
+++ b/chunks/json/5475a7756ebb238f65f708e90ab741c4b70088a7e850b2a61d66c5840ec0b97e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":36497,"char_start":35860,"chunk_id":"chk_a04e8a60ec50840d","chunk_index":58,"chunk_sha256":"5475a7756ebb238f65f708e90ab741c4b70088a7e850b2a61d66c5840ec0b97e","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"5475a7756ebb238f65f708e90ab741c4b70088a7e850b2a61d66c5840ec0b97e","token_estimate":532,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Supervisory Appraiser Certifications (H1) ........................................................................................................... 79\n\nSignature (H1) ..................................................................................................................................................... 79\n\nPart 3. Restricted Appraisal Update Report ....................................................................................................... 80\n\nOverview ....................................................................................................................................................... 80\n"}
diff --git a/chunks/json/5479149277650c16c47e4497849709df78b88b4c71ede7639dc2bd55cb14f6d3.json b/chunks/json/5479149277650c16c47e4497849709df78b88b4c71ede7639dc2bd55cb14f6d3.json
new file mode 100644
index 0000000000000000000000000000000000000000..80a6ae0501af18557f2fe7d84b10e2534be0deaa
--- /dev/null
+++ b/chunks/json/5479149277650c16c47e4497849709df78b88b4c71ede7639dc2bd55cb14f6d3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":874270,"char_start":872600,"chunk_id":"chk_db00ce72c8f5622a","chunk_index":519,"chunk_sha256":"5479149277650c16c47e4497849709df78b88b4c71ede7639dc2bd55cb14f6d3","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5479149277650c16c47e4497849709df78b88b4c71ede7639dc2bd55cb14f6d3","token_estimate":418,"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']/SALE_PRICE_AD\nJUSTMENT[@_Type='PropertyRights']/@_Description\n\n341\n\n3\n\n24\n\nSALES\nCOMPARISON\nAPPROACH\n\nHOA Mo. Assessment\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='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='MonthlyFacilityFee']/@_Description\n\n342\n\n343\n\n344\n\n3\n\n3\n\n3\n\n25\n\n26\n\n27\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nCommon Elements\n\nand Rec. Facilities\n\nFloor Location\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='CommonElements']/@_Description\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='RecreationFacilities']/@_Description\n"}
diff --git a/chunks/json/547e8cd5259032252c8c657286e5422ca8a74724391845e282058efba4fe3ad0.json b/chunks/json/547e8cd5259032252c8c657286e5422ca8a74724391845e282058efba4fe3ad0.json
new file mode 100644
index 0000000000000000000000000000000000000000..8c634c49244a2eea8ded4449b0e1e90f2fa828bd
--- /dev/null
+++ b/chunks/json/547e8cd5259032252c8c657286e5422ca8a74724391845e282058efba4fe3ad0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":47543,"char_start":45512,"chunk_id":"chk_c107aee9a0f3d57b","chunk_index":28,"chunk_sha256":"547e8cd5259032252c8c657286e5422ca8a74724391845e282058efba4fe3ad0","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"547e8cd5259032252c8c657286e5422ca8a74724391845e282058efba4fe3ad0","token_estimate":508,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"H2\n\nAdditional Scope of Work\n\nTXC-I\n\nAdditional Scope of Work cannot be contrary to the original Scope of Work.\n\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\nTXC-I\n\nAdditional Intended Use cannot be contrary to the original Intended Use.\n\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\nH1\n\nDefinition of Market Value\n\nTXC\n\nFN\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/547ec4f72858352a5893cafb50372478f0d917f64084822b9ed8f18f1faa0638.json b/chunks/json/547ec4f72858352a5893cafb50372478f0d917f64084822b9ed8f18f1faa0638.json
new file mode 100644
index 0000000000000000000000000000000000000000..88df67248ca69f6972bb2d6f42a4856e8f9b2745
--- /dev/null
+++ b/chunks/json/547ec4f72858352a5893cafb50372478f0d917f64084822b9ed8f18f1faa0638.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":4256,"char_start":3686,"chunk_id":"chk_909ad2a5f38917fa","chunk_index":2,"chunk_sha256":"547ec4f72858352a5893cafb50372478f0d917f64084822b9ed8f18f1faa0638","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_543569a683f41bae","text_sha256":"547ec4f72858352a5893cafb50372478f0d917f64084822b9ed8f18f1faa0638","token_estimate":143,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-integration-impact-memo-august-2024.pdf","below_target_min_tokens"]},"text":"Release Support\n\nThe DU validation service changes will be implemented in the DU integration environment on or about July 17, 2024. Integration\npartners will be notified via e-mail from Integration News (integration_news@fanniemae.com) after implementation.\n\nIf you have questions about the 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\n6.18.24 Page 2 of 2\n"}
diff --git a/chunks/json/548166a856c242b54f41869721bffd56018ac0d96c651235f64c0d95044855e4.json b/chunks/json/548166a856c242b54f41869721bffd56018ac0d96c651235f64c0d95044855e4.json
new file mode 100644
index 0000000000000000000000000000000000000000..eb7332d9764a350cf96c02c6b6b3a0a6f271d7a4
--- /dev/null
+++ b/chunks/json/548166a856c242b54f41869721bffd56018ac0d96c651235f64c0d95044855e4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":29451,"char_start":28847,"chunk_id":"chk_d5b3b93a87ea568c","chunk_index":46,"chunk_sha256":"548166a856c242b54f41869721bffd56018ac0d96c651235f64c0d95044855e4","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"548166a856c242b54f41869721bffd56018ac0d96c651235f64c0d95044855e4","token_estimate":464,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Sales Comparison Approach Table ..................................................................................................................... 59\n\nReconciliation of Sales Comparison Approach (H1) ........................................................................................... 64\n\nAdditional Properties Analyzed Not Used (H1) .................................................................................................. 64\n\nSales Comparison Map (H1) ................................................................................................................................ 64\n"}
diff --git a/chunks/json/5483f3c06545ab1950ef8f6013aeff5f4ed506f92803e2b7b33a0d6426acf0e6.json b/chunks/json/5483f3c06545ab1950ef8f6013aeff5f4ed506f92803e2b7b33a0d6426acf0e6.json
new file mode 100644
index 0000000000000000000000000000000000000000..26301992badaa4f3f9e1185103f9806b4653c6f4
--- /dev/null
+++ b/chunks/json/5483f3c06545ab1950ef8f6013aeff5f4ed506f92803e2b7b33a0d6426acf0e6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":84474,"char_start":82865,"chunk_id":"chk_5db87d7948cf321b","chunk_index":50,"chunk_sha256":"5483f3c06545ab1950ef8f6013aeff5f4ed506f92803e2b7b33a0d6426acf0e6","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5483f3c06545ab1950ef8f6013aeff5f4ed506f92803e2b7b33a0d6426acf0e6","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Sales Concession\nDescription\n\nA free-form text field used to describe\nsales concessions granted by an\ninterested party.\n\n/VALUATION_RESPONSE/PROPERTY/SAL\nES_CONTRACT/@SalesConcessionDescription\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. Separate with a semicolon.\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\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\nLocation\nUrban\n\nLocation\nSuburban\n\nLocation\nRural\n\nBuilt-Up\nOver 75%\n\nBuilt-Up\n25-75%\n\nProperty\nNeighborhood\nLocation Type\nProperty\nNeighborhood\nLocation Type\nProperty\nNeighborhood\nLocation Type\n\nNeighborhood\nBuiltup Range Type\n\nNeighborhood\nBuiltup Range Type\n\n57\n\nNEIGHBORHOOD\n\nBuilt-Up\nUnder 25%\n\nNeighborhood\nBuiltup Range Type\n\n58\n\nNEIGHBORHOOD\n\n59\n\nNEIGHBORHOOD\n\n60\n\nNEIGHBORHOOD\n\n61\n\nNEIGHBORHOOD\n\n62\n\nNEIGHBORHOOD\n\n63\n\nNEIGHBORHOOD\n\nGrowth\nRapid\n\nGrowth\nStable\n\nGrowth\nSlow\n\nProperty Values\nIncreasing\n\nProperty Values\nStable\n\nProperty Values\nDeclining\n\nNeighborhood\nGrowth Pace Type\n\nNeighborhood\nGrowth Pace Type\n\nNeighborhood\nGrowth Pace Type\n\nNeighborhood\nProperty Value Trend\nType\nNeighborhood\nProperty Value Trend\nType\nNeighborhood\nProperty Value Trend\nType\n\n64\n\nNEIGHBORHOOD\n\nDemand/Supply\nShortage\n\nNeighborhood\nDemand Supply Type\n\n65\n\nNEIGHBORHOOD\n\nDemand/Supply\nIn Balance\n\nNeighborhood\nDemand Supply Type\n\n66\n\nNEIGHBORHOOD\n\nDemand/Supply\nOver Supply\n"}
diff --git a/chunks/json/548b0eba089fdd1bc80b67063e57f00938b4dcfbdc4070bd0748bc7f52a4b0df.json b/chunks/json/548b0eba089fdd1bc80b67063e57f00938b4dcfbdc4070bd0748bc7f52a4b0df.json
new file mode 100644
index 0000000000000000000000000000000000000000..2d76cf749c1c40b9b5629c7a93e67cb40c9fd877
--- /dev/null
+++ b/chunks/json/548b0eba089fdd1bc80b67063e57f00938b4dcfbdc4070bd0748bc7f52a4b0df.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":110346,"char_start":108455,"chunk_id":"chk_d3c9259cc42eeb73","chunk_index":61,"chunk_sha256":"548b0eba089fdd1bc80b67063e57f00938b4dcfbdc4070bd0748bc7f52a4b0df","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"548b0eba089fdd1bc80b67063e57f00938b4dcfbdc4070bd0748bc7f52a4b0df","token_estimate":473,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"First\n\n5.0\n\n5.0\n\n2015-02-01\n\nPerChangeRateAdjust\nmentFrequencyMonth\nsCount\n\nThe number of months between rate\nadjustments, if the interest rate on the subject\nloan can change.\n\n12\n\nNotes: The first instance of the\n\nINTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE captures the\ninterest rate caps for the intitial adjustment period (the “5” of 5/2/6),\nwhich begins five years after the note date at the conclusion of the\nfixed rate period, and remains in effect for one year.\n\nINTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE—Instance #2\n\nData Point\n\nAdjustmentRuleType\n\nPerChangeMaximumDecreaseRatePercent\n\nPerChangeMaximumIncreaseRatePercent\n\nPerChangeRateAdjustmentEffectiveDate\n\nPerChangeRateAdjustmentFrequencyMonthsCount\n\nNotes: The second instance of the\n\nValid Value\n\nSubsequent\n\n2.0\n\n2.0\n\n2016-02-01\n\n12\n\nINTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE captures the\ninterest rate caps for all subsequent adjustment periods (the “2” of\n5/2/6). This rule becomes effective at the conclusion of the initial\nadjustment period. It is applied annually thereafter and stays in effect\nfor the remaining life of the loan.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 47 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nThe “Subsequent” PERIODIC_ADJUSTMENT_RULE consists of instructions governing\nthe periodic base rates that follow the initial base rate. It provides instructions for\nestablishment, duration, and use of all following periodic base rates.\n\nb. Adjustable Payment Loans. When the AdjustmentRuleType = “First,” the\nPERIODIC_ADJUSTMENT_RULE consists of instructions governing the first recast period\nfor negatively amortizing loans, as well as the annual payment increase cap. The\n“Subsequent” PERIODIC_ADJUSTMENT_RULE consists of instructions governing\nsubsequent recast periods.\n"}
diff --git a/chunks/json/548fd7d027dac6c18e2b701c0bfaaafbfd53b9fffd5c616a0c9b5682a81488e5.json b/chunks/json/548fd7d027dac6c18e2b701c0bfaaafbfd53b9fffd5c616a0c9b5682a81488e5.json
new file mode 100644
index 0000000000000000000000000000000000000000..052c7525b74b351e69d31c1f0a2f51cac068ae9c
--- /dev/null
+++ b/chunks/json/548fd7d027dac6c18e2b701c0bfaaafbfd53b9fffd5c616a0c9b5682a81488e5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":71090,"char_start":70411,"chunk_id":"chk_b2b7a38634f553e6","chunk_index":114,"chunk_sha256":"548fd7d027dac6c18e2b701c0bfaaafbfd53b9fffd5c616a0c9b5682a81488e5","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"548fd7d027dac6c18e2b701c0bfaaafbfd53b9fffd5c616a0c9b5682a81488e5","token_estimate":580,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Client Requested Conditions .................................................................................................................................................................................................... 351\n\nReconciliation of Market Value ................................................................................................................................................................................................ 352\n\nApparent Defects, Damages, Deficiencies ................................................................................................................................................................................ 352\n"}
diff --git a/chunks/json/5492e1c42d761fb4bab48842e0d5d9bc26cca3656c9c07695921cadefebf651f.json b/chunks/json/5492e1c42d761fb4bab48842e0d5d9bc26cca3656c9c07695921cadefebf651f.json
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+{"chunk":{"char_end":19374,"char_start":17769,"chunk_id":"chk_b3753a93dc6e6fc9","chunk_index":10,"chunk_sha256":"5492e1c42d761fb4bab48842e0d5d9bc26cca3656c9c07695921cadefebf651f","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_139dfb51602e14ac","text_sha256":"5492e1c42d761fb4bab48842e0d5d9bc26cca3656c9c07695921cadefebf651f","token_estimate":402,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Hybrid_465H.pdf"]},"text":"5. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in\nquestion, unless specific arrangements to do so have been made beforehand, or as otherwise required by law.\n\n6. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the\npresence of hazardous wastes, toxic substances, etc.) that he or she became aware of during the research involved\nin performing this appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any\nhidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed\nrepairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.)\nthat would make the property less valuable, and has assumed that there are no such conditions and makes no\nguarantees or warranties, express or implied. The appraiser will not be responsible for any such conditions that do\nexist or for any engineering or testing that might be required to discover whether such conditions exist. Because the\nappraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as an\nenvironmental assessment of the property.\n\n7. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to\nsatisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the\nsubject property will be performed in a professional manner.\n"}
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diff --git a/chunks/json/5494f762868b4aaca0ba3bfa09f0041fbd561866eef85114e0db20ba5441b1d1.json b/chunks/json/5494f762868b4aaca0ba3bfa09f0041fbd561866eef85114e0db20ba5441b1d1.json
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+{"chunk":{"char_end":4858,"char_start":3249,"chunk_id":"chk_a86ee1ff075709e5","chunk_index":2,"chunk_sha256":"549e1fe56c0459c6453a5d99680690809586f0276bf65567d21e64a7b9f06d8b","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b28a85df80ca57ef","text_sha256":"549e1fe56c0459c6453a5d99680690809586f0276bf65567d21e64a7b9f06d8b","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":"Overall Quality\nOverall Condition\n\nQ4\nC4\n\nYes No\n \n \n \n \n \n\nYes 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\nLeasehold\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 AD43201 AMC Reference ID ABC123\n\nUniform Residential Appraisal Report\n\nPage 2 of 22\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\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\nSTET\n\n“lieu” l.c.\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 12345\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\nCredentials\n\nID\nState\nExpires\n\nCredentials\n\nLevel\nID\nState\nExpires\n\n5419-2123.4\nVA\n04/30/2022\n\nCertified Residential\nXYZ12345\nVA\n12/31/2019\n\nSubject Property\n"}
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+{"chunk":{"char_end":23242,"char_start":21622,"chunk_id":"chk_c8aae337d2ab5e4d","chunk_index":21,"chunk_sha256":"54cafb3b2528549c1e3893b1adebdb5506054e609a30d1e4d517ae64d9f5f3eb","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"54cafb3b2528549c1e3893b1adebdb5506054e609a30d1e4d517ae64d9f5f3eb","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"04 Assignment Information\n\nThe Assignment Information section provides information about the entities involved in the appraisal and work completed by the appraiser and other\nparties. The section provides space for commentary to be provided.\n\nPage 17\n\nThe Assignment Information section always displays.\n\nPage 18\n\nAppraiser Fee and AMC Fee\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nRestricted Appraisal Update Report: Assignment Information\n\nBorrower Name\n\n1000.0140 PartyRoleType\n\n1000.0138\n\nFirstName\n\n1000.0176\n\nMiddleName\n\nWhen borrower is not provided, do not display report label\nBorrowers may be individuals or legal entities\n\nDisplay when PartyRoleType = “Borrower” and is an individual\n\nDisplay when the borrower is an individual\n\nDisplay when the borrower is an individual and MiddleName is\nprovided\n\n04.001\n\nBorrower Name\n\n1000.0139\n\nLastName\n\nDisplay when the borrower is an individual\n\n1000.0177\n\nSuffixName\n\n1000.0105 PartyRoleType\n\n1000.0141\n\nFullName\n\nAppraiser Fee\n\n04.002\n\nAppraiser Fee\n\n1000.0163 ProvidedServiceActualCostAmount\n\nAMC Fee\n\n04.003\n\nAMC Fee\n\n1000.0135 ProvidedServiceActualCostAmount\n\n04.003\n\nAMC Fee\n\n1000.0155 ProvidedServiceActualCostAmount\n\nGovernment Agency\n\n04.004\n\nGovernment Agency 1000.0121 GovernmentAgencyAppraisalType\n\nDisplay when the borrower is an individual and SuffixName is\nprovided\n\nDisplay when PartyRoleType = “Borrower” and is a legal entity\n\nDisplay when the borrower is a legal entity\n\nWhen not provided, do not display report label\n\nDisplay when FeeType (UID: 1000.0162, FID: Not on report) =\n“AppraisalFee” AND Exists\n"}
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diff --git a/chunks/json/54cff9b1fe1c58a82ed8205000dd7f4e2359b518c053f6985a1f29c6292b7e06.json b/chunks/json/54cff9b1fe1c58a82ed8205000dd7f4e2359b518c053f6985a1f29c6292b7e06.json
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+{"chunk":{"char_end":1732,"char_start":0,"chunk_id":"chk_941930e4659aeaca","chunk_index":0,"chunk_sha256":"54d186b82fe1d561709fe1e26fcfc175e8332b052797b219cef9f2a8cc4bbbce","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_617da7ffffdf3019","text_sha256":"54d186b82fe1d561709fe1e26fcfc175e8332b052797b219cef9f2a8cc4bbbce","token_estimate":527,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Affordable_Housing___Community_Investment___FHFA_57mm4d.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/programs/affordable-housing\"\ndate_accessed: \"2026-01-27T17:47:56.574Z\"\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/54d8de2c6926c0bb5a65d3050e8a3dc5193123523f0c49498b274fb431a180cd.json b/chunks/json/54d8de2c6926c0bb5a65d3050e8a3dc5193123523f0c49498b274fb431a180cd.json
new file mode 100644
index 0000000000000000000000000000000000000000..e59c61398c398bfd0214728b7b4b38787711fd53
--- /dev/null
+++ b/chunks/json/54d8de2c6926c0bb5a65d3050e8a3dc5193123523f0c49498b274fb431a180cd.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10344,"char_start":8733,"chunk_id":"chk_7a5b476221ff2b75","chunk_index":5,"chunk_sha256":"54d8de2c6926c0bb5a65d3050e8a3dc5193123523f0c49498b274fb431a180cd","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_17eec87cfcda8751","text_sha256":"54d8de2c6926c0bb5a65d3050e8a3dc5193123523f0c49498b274fb431a180cd","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Natural_Disaster_Risk___FHFA_uhk3c4.md"]},"text":"See FHFA’s FY23 natural disaster-related activities and plans for FY24 within FHFA’s [2023 Performance and Accountability Report](/document/fhfa-2023-par.pdf).\n\nSee FHFA’s natural disaster-related activities in 2023, 2022, and 2021 within FHFA’s [2023 Annual Report to Congress](/document/fhfa-2023-annual-report-to-congress), [2022 Annual Report to Congress](/AboutUs/Reports/ReportDocuments/FHFA-2022-Annual-Report-to-Congress.pdf), and [2021 Annual Report to Congress](/document/fhfa-2021-annual-report-to-congress), respectively.\n\nSee FHFA’s FY22 natural disaster-related activities and plans for FY23 within FHFA’s [2022 Performance and Accountability Report](/document/performance-and-accountability-report-2022).\n\n## **Public Engagements**\n\nOn March 13, 2024, the FHFA Multifamily team hosted a Multifamily Insurance Symposium. The symposium included sessions on insurance market risks and challenges, insurance and affordability, emerging solutions, and the Enterprises’ and HUD’s perspectives on insurance market challenges.\n\nOn November 14 and 15, 2023, the FHFA Single-Family team hosted a Single-Family Insurance Symposium. Day One included sessions on insurance commissioner perspectives, implications of growth in residual insurance markets, insurance industry perspectives, and the homeownership experience. Day Two included sessions on strengthening community resilience and insurability, empowering communities with information, wildfire solutions, building resilience across sectors, building codes and standards, and consumer perspectives.\n\n## **Mortgage Loan and Natural Disaster Dashboard**\n"}
diff --git a/chunks/json/54dbb2444cdd573a0bb17ee1242661fb262903f9f2572cf74675d05e4084451e.json b/chunks/json/54dbb2444cdd573a0bb17ee1242661fb262903f9f2572cf74675d05e4084451e.json
new file mode 100644
index 0000000000000000000000000000000000000000..f0daaca8823fbf9a6026f058088d299f09c6bb49
--- /dev/null
+++ b/chunks/json/54dbb2444cdd573a0bb17ee1242661fb262903f9f2572cf74675d05e4084451e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":17243,"char_start":15719,"chunk_id":"chk_a74033a8dd4f1a0f","chunk_index":8,"chunk_sha256":"54dbb2444cdd573a0bb17ee1242661fb262903f9f2572cf74675d05e4084451e","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_9a8b7dcd848f50e9","text_sha256":"54dbb2444cdd573a0bb17ee1242661fb262903f9f2572cf74675d05e4084451e","token_estimate":417,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Technology_Integration_Resources___Fannie_Mae.md"]},"text":"##### Pricing & Execution – Whole Loan Technology Service Providers List\n\n- [Pricing & Execution – Whole Loan Technology Service Providers List](/integrated-vendor-list)\n\nServicing Management Default Underwriter (SMDU)\n\n##### Data Standards Supporting Resources\n\n- [SMDU Case Management Guide](/media/document/pdf/smdu-case-management-guide)\n - [SMDU Auto Decisioning Guide](/media/document/pdf/smdu-auto-decisioning-guide)\n - [SMDU Message File Instructions](/media/document/xlsx/smdu-message-file-instructions)\n - [SMDU Connectivity and Request Specification](/media/document/pdf/smdu-connectivity-and-request-specification)\n\n##### Integration Impact Memos\n\n- [SMDU Release 7.72 Impact Memo](/media/document/pdf/smdu-release-772-impact-memo)\n - [SMDU Release 7.70 Impact Memo](/media/document/pdf/smdu-release-770-impact-memo)\n - [SMDU Release 7.69 Impact Memo](/media/document/pdf/smdu-release-769-impact-memo)\n - [SMDU Release 7.68 Impact Memo](/media/document/pdf/smdu-release-768-impact-memo)\n - [SMDU Release 7.67 Impact Memo](/media/document/pdf/smdu-release-767-impact-memo)\n - [SMDU Release 7.66 Impact Memo](/media/document/pdf/smdu-release-766-impact-memo)\n\n##### Release Notes\n\n- [Servicing Management Default Underwriter (SMDU)](https://singlefamily.fanniemae.com/applications-technology/servicing-management-default-underwriter-smdu)\n\n##### Test Cases\n\n- [SMDU 7.72 Test Cases](/media/document/xlsx/smdu-772-test-cases)\n - [Test Environment Calendar](/media/document/xlsx/test-environment-calendar)\n"}
diff --git a/chunks/json/54ed790b0e5521af90f93d42eff3db62716429c264fbdf19c3785ade38487f84.json b/chunks/json/54ed790b0e5521af90f93d42eff3db62716429c264fbdf19c3785ade38487f84.json
new file mode 100644
index 0000000000000000000000000000000000000000..4dc93005d474742611d3337216c72c7234c4b05c
--- /dev/null
+++ b/chunks/json/54ed790b0e5521af90f93d42eff3db62716429c264fbdf19c3785ade38487f84.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":715906,"char_start":714208,"chunk_id":"chk_e2754f2321c36472","chunk_index":424,"chunk_sha256":"54ed790b0e5521af90f93d42eff3db62716429c264fbdf19c3785ade38487f84","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"54ed790b0e5521af90f93d42eff3db62716429c264fbdf19c3785ade38487f84","token_estimate":425,"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 Contract Section\n\nExplain the results of the analysis of the contract for sale or why the analysis was not\nperformed.\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\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nCR\n\nIf field 1-33 (Appraisal Purpose Type =\n'Purchase') is indicated, then one and only\none of fields 1-42, 1-43 (values of Sales\nContract Reviewed Indicator) must be\nindicated\nIf field 1-33 (Appraisal Purpose Type =\n'Purchase') is indicated, then one and only\none of fields 1-42, 1-43 (values of Sales\nContract Reviewed Indicator) must be\nindicated\n\nThis field must be populated if field 1-33\n(Appraisal Purpose Type = 'Purchase') is\nindicated.\n\nThis field must be populated if field 1-33\n(Appraisal Purpose Type = 'Purchase') is\nindicated.\n\nThis field is required if field 1-33 (Appraisal\nPurpose Type = 'Purchase') is indicated.\n\nThis field is required if field 1-33 (Appraisal\nPurpose Type = 'Purchase') is indicated.\n\nIf field 1-33 (Appraisal Purpose Type =\n'Purchase') is indicated, then one and only\none of fields 1-47, 1-48 must be indicated.\nIf field 1-33 (Appraisal Purpose Type =\n'Purchase') is indicated, then one and only\none of fields 1-47, 1-48 must be indicated.\nThis field should be populated if field 1-33\n(Appraisal Purpose Type = 'Purchase') is\nindicated.\n\nIf field 1-33 (Appraisal Purpose Type =\n'Purchase') is indicated, then one and only\none of fields 1-50, 1-51 (values of Sales\nConcession Indicator) must be indicated.\n"}
diff --git a/chunks/json/54edaada454a57e476e96d246cc9efd373707fdd27966e515f32ef0f9b323205.json b/chunks/json/54edaada454a57e476e96d246cc9efd373707fdd27966e515f32ef0f9b323205.json
new file mode 100644
index 0000000000000000000000000000000000000000..d8fe7d6913fa035a12da92c004a41f8adc2f9b76
--- /dev/null
+++ b/chunks/json/54edaada454a57e476e96d246cc9efd373707fdd27966e515f32ef0f9b323205.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3554,"char_start":3519,"chunk_id":"chk_4402df60294a3b15","chunk_index":2,"chunk_sha256":"54edaada454a57e476e96d246cc9efd373707fdd27966e515f32ef0f9b323205","date_utc":"2026-01-27T18:02:22+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1d0286217e2db0b8","text_sha256":"54edaada454a57e476e96d246cc9efd373707fdd27966e515f32ef0f9b323205","token_estimate":12,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-spec-v-19-integration-impact-memo-may-28-2024.pdf","below_target_min_tokens"]},"text":"© 2024 Fannie Mae 05.28.24\n\n2 of 2\n"}
diff --git a/chunks/json/54f74dbe8ae80c04c4ed07381b1f1b86eccc2cd6f61df517e160f9d3d4f5a584.json b/chunks/json/54f74dbe8ae80c04c4ed07381b1f1b86eccc2cd6f61df517e160f9d3d4f5a584.json
new file mode 100644
index 0000000000000000000000000000000000000000..0ef8f9c70dd972ea38ae7459c10d4d9fcd154d69
--- /dev/null
+++ b/chunks/json/54f74dbe8ae80c04c4ed07381b1f1b86eccc2cd6f61df517e160f9d3d4f5a584.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":111046,"char_start":109369,"chunk_id":"chk_a9ca5ec0bcd8080d","chunk_index":63,"chunk_sha256":"54f74dbe8ae80c04c4ed07381b1f1b86eccc2cd6f61df517e160f9d3d4f5a584","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"54f74dbe8ae80c04c4ed07381b1f1b86eccc2cd6f61df517e160f9d3d4f5a584","token_estimate":419,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Contact Information: Significant Real Property Appraisal Assistance\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n2.047\n\nName\n\nRequired for each\nperson providing\nsignificant real\nproperty appraisal\nassistance\n\nAllowable\nAnswers / Format\n\nFree-form\n\nDefinition / Additional Guidance\n\nThe full name of the person providing significant real property appraisal\nassistance.\nNote: At a minimum, first and last name must be provided.\n\nAppendix F-1: URAR Reference Guide\n\nPage 42 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n02 Assignment Information\n\nContact Information: Significant Real Property Appraisal Assistance\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n2.049\n\nLevel\n\nRequired for each\nperson providing\nsignificant real\nproperty appraisal\nassistance\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\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\n•\n•\n•\n•\n\n•\n\n2.050\n\nID\n\nRequired if Credential\nType is not None\n\nFree-form\n\nThe credential as reported by the state or ASC, if applicable.\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\n2.051\n\nState\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"}
diff --git a/chunks/json/55002483f4e5504f1c995c903142a39551a2ff13a62087d2f9b981c8f1317208.json b/chunks/json/55002483f4e5504f1c995c903142a39551a2ff13a62087d2f9b981c8f1317208.json
new file mode 100644
index 0000000000000000000000000000000000000000..a47211d74349ee05f99bdfc40c173a8caa3040f2
--- /dev/null
+++ b/chunks/json/55002483f4e5504f1c995c903142a39551a2ff13a62087d2f9b981c8f1317208.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":2506,"char_start":1733,"chunk_id":"chk_83406fd18596768c","chunk_index":1,"chunk_sha256":"55002483f4e5504f1c995c903142a39551a2ff13a62087d2f9b981c8f1317208","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c6131bc70b020e50","text_sha256":"55002483f4e5504f1c995c903142a39551a2ff13a62087d2f9b981c8f1317208","token_estimate":193,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/lsdu-release-notes-2-1.pdf","below_target_min_tokens"]},"text":" ModﾠCompleted Date\n\n Mod Closed Month\n Mod Disaster Indicator\n Mod Advanced Principal Reimbursement Amount\n Mod Advanced Interest Reimbursement Amount\n Mod Payment Effective Date\n\nDefect Remediation\n\nOne defect will be remediated with this release improving system usability. Details of the\ncorrection are as follows:\n\n© 2019 Fannie Mae. Trademarks of Fannie Mae. 1 of 2\n\nPayment Search Results not accurate for newly aquired loans – A defect was resolved for the\nscenario where a newly aquired loan that had a missing LAR was not showing up in the Payment\n(LAR96) Exception Search results. The individual loan data details current LAR tab would show the loan\nas missing, but the search reults did not.\n\nDefects\n\n© 2019 Fannie Mae. Trademarks of Fannie Mae. 2 of 2\n"}
diff --git a/chunks/json/5503b6735ceabc4e6320bf744af2a953106528df0d7f8490b7152594521bc967.json b/chunks/json/5503b6735ceabc4e6320bf744af2a953106528df0d7f8490b7152594521bc967.json
new file mode 100644
index 0000000000000000000000000000000000000000..575500fff8f902adda1f13cd5e33a26b1908a936
--- /dev/null
+++ b/chunks/json/5503b6735ceabc4e6320bf744af2a953106528df0d7f8490b7152594521bc967.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":26628,"char_start":24767,"chunk_id":"chk_076f1693b988d07a","chunk_index":15,"chunk_sha256":"5503b6735ceabc4e6320bf744af2a953106528df0d7f8490b7152594521bc967","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"5503b6735ceabc4e6320bf744af2a953106528df0d7f8490b7152594521bc967","token_estimate":465,"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":"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$160,000\n08/25/2019\nPrivate Sale\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\nThis is a FSBO. This transaction is between investors with a contract price below market value.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 14 of 29\nPage 14 of 29\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\nNone\nAssessor Record\nMLS\n\nAnalysis of Prior Sale and Transfer History of Subject Property My research revealed no prior transactions within the past 3 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#\n1\n\nTransfer Terms\nTypically Motivated\n\nDate\n11/20/2018\n\nAmount\n$275,000\n\nData Source\nAssessor Record\nMLS\n\n2\n\n3\n\nNone\n\nEstate Sale\n\n11/01/2018\n\nNot Disclosed\n\nAssessor Record\nMLS\n\nAssessor Record\nMLS\n\nAnalysis of Prior Sale and Transfer History of Comparable Sales The prior sale for comparable #1 was a market sale listed in the MLS. The\noriginal owner was forced to relist the property as a result of an unexpected job transfer. The appraiser was unable to determine the prior sales\nprice for comparable #3. Information from the tax record indicates that the property was transferred as part of an estate settlement/sale.\n"}
diff --git a/chunks/json/55128fa17c06add1ad8b5113a6f266e8931380d870f7e7606fb4e76fe47dfb5a.json b/chunks/json/55128fa17c06add1ad8b5113a6f266e8931380d870f7e7606fb4e76fe47dfb5a.json
new file mode 100644
index 0000000000000000000000000000000000000000..20e9cbd88916da7a9ff08f5cbbf4fd8e2847278d
--- /dev/null
+++ b/chunks/json/55128fa17c06add1ad8b5113a6f266e8931380d870f7e7606fb4e76fe47dfb5a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":128110,"char_start":126507,"chunk_id":"chk_74502e50744ea5c6","chunk_index":55,"chunk_sha256":"55128fa17c06add1ad8b5113a6f266e8931380d870f7e7606fb4e76fe47dfb5a","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"55128fa17c06add1ad8b5113a6f266e8931380d870f7e7606fb4e76fe47dfb5a","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"3.2 Purpose Refinance\n\n3.3 Product Fixed Rate\n\nFigure 19. Purpose = “Refinance”\n\nTable 33. Purpose = “Refinance”\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\n3.2\n\nPurpose\n\n…/INTEGRATED_DIS\nCLOSURE_DETAIL\n\nIntegratedDisclosure\nHomeEquityLoanIndi\ncator\n\nfalse\n\n…/LOAN/LOAN_DET\nAIL\n\nConstructionLoanInd\nicator\n\nfalse\n\nUID\n16.015\n\nN/A – GSE\n\n…/LOAN_DETAIL/EX\nTENSION/OTHER\n\ngse:SubordinateFina\nncingIsNewIndicator\n\nfalse\n\nNot shown unless\nvalue = “true”\n\nNot shown – data\nclarity\n\nNot shown – data\nclarity\n\nAppendix E: UCD Implementation Guide\n\nPage 50 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n3.0 Loan Information\n\nTable 33. Purpose = “Refinance”\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\nUID\n3.036\n\nUID\n3.016\n\nN/A-GSE\n\nN/A – GSE\n\n…/LOAN/TERMS_OF\n_LOAN\n\nRefinanceSameLend\nerIndicator\n\nfalse\n\nLienPriorityType\n\nFirstLien\n\nNot shown -\nATR/QM\n\nNot shown – data\nclarity\n\n3.2\n\nPurpose\n\nLoanPurposeType\n\nRefinance\n\n4. CONSTRUCTI ON\n\nThe Purpose of the loan is “Construction” when the transaction:\n\n1) Does not meet the Regulation’s definition for “Purchase” or “Refinance”\n\n2)\n\n3)\n\nIs to finance only the cost of initial construction (construction-only loan)\n\nIs for a multiple-advance loan that may be permanently financed by the same creditor (construction-to-\npermanent loan)\n\n3.2 Purpose is NOT “Construction” if the loan is for making renovations to an existing dwelling.\n\n3.0 Loan Information\n\n3.1 Loan Term 9 Months\n\n3.2 Purpose Construction\n\n3.3 Product 1/1 Adjustable Rate\n"}
diff --git a/chunks/json/5516e9de23b43a947f56b4f18b6327a0b496a6eff7d1822e2756f539e564256d.json b/chunks/json/5516e9de23b43a947f56b4f18b6327a0b496a6eff7d1822e2756f539e564256d.json
new file mode 100644
index 0000000000000000000000000000000000000000..9c182870eeb31142ebae729cd71c910b6737a5ba
--- /dev/null
+++ b/chunks/json/5516e9de23b43a947f56b4f18b6327a0b496a6eff7d1822e2756f539e564256d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1813,"char_start":0,"chunk_id":"chk_f459b56e6d13f1f5","chunk_index":0,"chunk_sha256":"5516e9de23b43a947f56b4f18b6327a0b496a6eff7d1822e2756f539e564256d","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ddef7627ae864b23","text_sha256":"5516e9de23b43a947f56b4f18b6327a0b496a6eff7d1822e2756f539e564256d","token_estimate":454,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-integration-impact-memo-nov-15-2025.pdf"]},"text":"Desktop Underwriter/Desktop Originator Integration Impact Memo\nNovember Update\n\nSept. 24, 2025\n\nDuring the weekend of Nov. 15, 2025, Fannie Mae will implement an update to Desktop Underwriter® (DU®). Unless specified in\nthe release notes, the changes will apply to DU Version 12.0 loan casefiles submitted or resubmitted to DU during or after the\nweekend of Nov. 15, 2025.\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. Please\nreview this memo, in addition to the release notes to ensure that your integrated system(s) will be prepared to support this\nrelease.\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\nNew Messages\n\nModified Messages\n\nRetired Messages\n\n1\n\n15\n\n4\n\nThe draft DU message file will be distributed via email from Integration News (integration_news@fanniemae.com) to authorized\nsubscribers on or around Oct. 1, 2025. The DU message file will also be accessible through Fannie Mae Connect™ for users with\nappropriate access.\n\nAppraisal Messages\n\nAs specified in the release notes, the appraisal messages in DU will be updated to reflect the changes in the Uniform Appraisal\nDataset (UAD) and appraisal forms redesign. The existing messages referencing specific form numbers will be updated to specify\neligibility for a Uniform Residential Appraisal Report.\n"}
diff --git a/chunks/json/551d3a98effdcee335c569b87cc8595dce233058767026351c4099cdba1c54ef.json b/chunks/json/551d3a98effdcee335c569b87cc8595dce233058767026351c4099cdba1c54ef.json
new file mode 100644
index 0000000000000000000000000000000000000000..d5b96899bedf7f525876161a305d0ece45012d2b
--- /dev/null
+++ b/chunks/json/551d3a98effdcee335c569b87cc8595dce233058767026351c4099cdba1c54ef.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3948,"char_start":3480,"chunk_id":"chk_9d2d7ed292267745","chunk_index":2,"chunk_sha256":"551d3a98effdcee335c569b87cc8595dce233058767026351c4099cdba1c54ef","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5d3781bb2ced699d","text_sha256":"551d3a98effdcee335c569b87cc8595dce233058767026351c4099cdba1c54ef","token_estimate":117,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/xis-dnsip-address-update-integration-impact-memo-sept-17-2025.pdf","below_target_min_tokens"]},"text":"2. Test connectivity in the Integration Environment using the updated IP list.\n\n3. Once testing is successful, we will coordinate with you to plan the production setup and final connectivity validation.\n\nNote: If your systems are not restricted to the IP addresses listed above, no action is required on your part.\n\nIntegration Support\n\nIf you have any questions or need assistance, please contact integration_support@fanniemae.com.\n\n© 2025 Fannie Mae 9.17.25\n\n2 of 2\n"}
diff --git a/chunks/json/55301ae9298118d6a34c93739a288d67c081e15617188716810254377eff438c.json b/chunks/json/55301ae9298118d6a34c93739a288d67c081e15617188716810254377eff438c.json
new file mode 100644
index 0000000000000000000000000000000000000000..33f8e05a4e8e23309b1ef991ba7f39a4970fa7c7
--- /dev/null
+++ b/chunks/json/55301ae9298118d6a34c93739a288d67c081e15617188716810254377eff438c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":294558,"char_start":292874,"chunk_id":"chk_41ee824259cc0e81","chunk_index":172,"chunk_sha256":"55301ae9298118d6a34c93739a288d67c081e15617188716810254377eff438c","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"55301ae9298118d6a34c93739a288d67c081e15617188716810254377eff438c","token_estimate":421,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"PDF Display Format (when the source is an MLS listing):\nMLS Organization # Listing\n\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\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\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n9\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nThis field is required if field 2-108 (Subject\nHas Prior Sales Indicator = 'Y') is indicated.\n\nCR\n\nCR\n\nCR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\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')\nis indicated.\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')\nis indicated.\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 68 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\n382\n\n2\n\n120\n\nSALES\nCOMPARISON\nAPPROACH\n\nData Source (s)\nCOMPARABLE\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/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/PRIOR_SALES/@DataSourceDescription\n"}
diff --git a/chunks/json/5534ef970d82889342482b70567f5a0bf2b81bc039b5ff9e30042eee59ed6049.json b/chunks/json/5534ef970d82889342482b70567f5a0bf2b81bc039b5ff9e30042eee59ed6049.json
new file mode 100644
index 0000000000000000000000000000000000000000..490e3df7672b8bbbd33d363b887f1412b5eea1c0
--- /dev/null
+++ b/chunks/json/5534ef970d82889342482b70567f5a0bf2b81bc039b5ff9e30042eee59ed6049.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6630,"char_start":4924,"chunk_id":"chk_7a96cf0d72ed0054","chunk_index":3,"chunk_sha256":"5534ef970d82889342482b70567f5a0bf2b81bc039b5ff9e30042eee59ed6049","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_54c90e842324b7de","text_sha256":"5534ef970d82889342482b70567f5a0bf2b81bc039b5ff9e30042eee59ed6049","token_estimate":426,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073_465.pdf"]},"text":"179\n\n180\n\nWas the project created by the conversion of an existing building(s) into a condominium? Yes No If Yes, describe the original use and the date of conversion.\n184\n\n183\n\n182\n\nAre the units, common elements, and recreation facilities complete (including any planned rehabilitation for a condominium conversion)? Yes No If No, describe\n187\n\n185\n\n186\n\nIs there any commercial space in the project? Yes No If Yes, describe and indicate the overall percentage of the commercial space.\ne-32;190\n\n189\n\n188\n\nFreddie Mac Form 465 March 2005 226\n\nPage 1 of 6\n\nFannie Mae Form 1073 March 2005\n\n2\n\nIndividual Condominium Unit Appraisal Report\n\nFile # 3\n\n4 4a\n\nDescribe the condition of the project and quality of construction. 5\n\nDescribe the common elements and recreational facilities. 6\n\nAre any common elements leased to or by the Homeowners’ Association? Yes No If Yes, describe the rental terms and options. 9\n\n8\n\n7\n\nIs the project subject to ground rent? Yes No If Yes, $\n\n11\n\n10\n\n12\n\nper year (describe terms and conditions) 13\n\nAre the parking facilities adequate for the project size and type? Yes No If No, describe and comment on the effect on value and marketability. 16\n\n15\n\n14\n\n17\n\nI did did not analyze the condominium project budget for the current year. Explain the results of the analysis of the budget (adequacy of fees, reserves, etc.), or why\nthe analysis was not performed. 19\n\n18\n\nAre there any other fees (other than regular HOA charges) for the use of the project facilities? Yes No If Yes, report the charges and describe. 22\n\n21\n\n20\n\nCompared to other competitive projects of similar quality and design, the subject unit charge appears High Average Low If High or Low, describe 26\n"}
diff --git a/chunks/json/5535581b2959c65ded47a39faa5c60608937a0fc13949acaf0535dfdda7d0570.json b/chunks/json/5535581b2959c65ded47a39faa5c60608937a0fc13949acaf0535dfdda7d0570.json
new file mode 100644
index 0000000000000000000000000000000000000000..38dde4ca4f007a4b85ed41c95d759daac4f67c7f
--- /dev/null
+++ b/chunks/json/5535581b2959c65ded47a39faa5c60608937a0fc13949acaf0535dfdda7d0570.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":142351,"char_start":140737,"chunk_id":"chk_494d1492a3c88118","chunk_index":80,"chunk_sha256":"5535581b2959c65ded47a39faa5c60608937a0fc13949acaf0535dfdda7d0570","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"5535581b2959c65ded47a39faa5c60608937a0fc13949acaf0535dfdda7d0570","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Figure VI-2. Questions Answered by the Deprecated Data Points and\ncontainers Worksheets.\n\n Why can’t I find a data point in the v3.0 Reference Model that I know is in\n\n\n\nearlier MISMO transaction sets?\nI need to use a data point from a previous version—how is it represented in\nVersion 3.0?\n\n1. Deprecated Data Points\n\nThe “Deprecated Data Points” worksheet is organized similarly to the “LDDReport”\nworksheet and provides an alphabetical list of the data points that have been retired\nfrom the V3.0 Reference Model. The first three columns (A – C) contain the term\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 64 of 76\n\nSection VI. V3.0 Reference Model Features Not Used in ULDDS\n\nname, definition, and enumerated values of the retired data point. Columns D and H\nprovide the URN of the associated enumeration and data point. Column E, App Info,\nprovides information about the disposition of the data point.\n\nExample VI-6. Deprecated Data Points.\n\nData Point 1: AppraiserPostalCode\nDefinition: The postal code (ZIP code in US) of the address of the appraiser. ZIP\n\ncode may be either 5 or 9 digits.\n\nApp Info: Deprecate: Replace by Party Role Type = Appraiser + PostalCode\n\nData Point 2: FRE Delivery Data Adjustment Type\nDefinition: Specifies the type of data adjustment made upon delivery based on\n\nFreddie Mac guidelines.\n\nApp Info: Deprecate. No longer required by FRE.\n\nData Point 3: LoanProgramAffordableIndicator\nDefinition: When true, indicates that the loan program is classified as an\n"}
diff --git a/chunks/json/554ddde897c13ff80cb31d1dbde302e4c19267e515793b9a79897140d13483b2.json b/chunks/json/554ddde897c13ff80cb31d1dbde302e4c19267e515793b9a79897140d13483b2.json
new file mode 100644
index 0000000000000000000000000000000000000000..e978316ce88d84b5845d539a7fb4078beac62526
--- /dev/null
+++ b/chunks/json/554ddde897c13ff80cb31d1dbde302e4c19267e515793b9a79897140d13483b2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":487089,"char_start":485454,"chunk_id":"chk_2376c75e2a88b8c1","chunk_index":286,"chunk_sha256":"554ddde897c13ff80cb31d1dbde302e4c19267e515793b9a79897140d13483b2","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"554ddde897c13ff80cb31d1dbde302e4c19267e515793b9a79897140d13483b2","token_estimate":409,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Identifies the annual ground rent amount\nfor the project unit.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/@\n_GroundRentAmount\n\n1\n\n1\n\n12\n\nBoolean\n\nBoolean\n\nMoney\n\nPDF Display Format:\nWhole numbers only.\n\nA free-form text field describing the\nground rent.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/@\n_GroundRentDescription\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\nPROJECT\nINFORMATION\n\nAre the parking facilities\nadequate for the project size and\ntype?\nYes\n\nPROJECT\nINFORMATION\n\nPROJECT\nINFORMATION\n\nAre the parking facilities\nadequate for the project size and\ntype?\nNo\n\nAre the parking facilities\nadequate for the project size and\ntype?\nIf No, describe and comment on\nthe effect on value and\nmarketability.\n\nAdequate Indicator\n\nIndicates that this feature is adequate for\nnormal needs.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_CAR_STORA\nGE[@AdequateIndicator='Y']\n\nAdequate Indicator\n\nIndicates that this feature is adequate for\nnormal needs.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_CAR_STORA\nGE[@AdequateIndicator='N']\n\n1\n\n1\n\nBoolean\n\nBoolean\n\nProject Car Storage\nAdequacy Effect\nOn Marketability\nDescription\n\nA free-form text field describing the effect\nof the adequacy or inadequacy of parking\non the marketability of the project or a\nunit thereof.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_CAR_STORA\nGE/@_AdequacyEffectOnMarketabilityDescription\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/555495f7011f8c53eb147ce40287305c4650fb4a8eb9fc593a631f407c1dab2f.json b/chunks/json/555495f7011f8c53eb147ce40287305c4650fb4a8eb9fc593a631f407c1dab2f.json
new file mode 100644
index 0000000000000000000000000000000000000000..3fdcd433a68ad042d89ab60d679ab8738457c21c
--- /dev/null
+++ b/chunks/json/555495f7011f8c53eb147ce40287305c4650fb4a8eb9fc593a631f407c1dab2f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11929,"char_start":10497,"chunk_id":"chk_aeb2f46ee8d11b60","chunk_index":6,"chunk_sha256":"555495f7011f8c53eb147ce40287305c4650fb4a8eb9fc593a631f407c1dab2f","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4be57452b7cc6aa7","text_sha256":"555495f7011f8c53eb147ce40287305c4650fb4a8eb9fc593a631f407c1dab2f","token_estimate":462,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Duty_to_Serve_Performance_Data___FHFA_qw14v.md"]},"text":"Prior year information can be viewed by selecting the year of interest in the dashboard.\n\n- [2024 DTS Multifamily Dashboard](/data/dashboard/dts/multifamily/2024)\n- [2024 DTS Multifamily Dashboard Data [ZIP]](/document/dts_2024_mf_dashboard.zip)\n\n*Page Updated: 8/18​/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\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/555713d206138491c56e6b92fd1a37634804c1e0adca7efa9a0c9a373c96c614.json b/chunks/json/555713d206138491c56e6b92fd1a37634804c1e0adca7efa9a0c9a373c96c614.json
new file mode 100644
index 0000000000000000000000000000000000000000..6acf23cd0e181ee24d0143e41ab7d74d3547850e
--- /dev/null
+++ b/chunks/json/555713d206138491c56e6b92fd1a37634804c1e0adca7efa9a0c9a373c96c614.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":185543,"char_start":183928,"chunk_id":"chk_ffd56432c74c9e75","chunk_index":90,"chunk_sha256":"555713d206138491c56e6b92fd1a37634804c1e0adca7efa9a0c9a373c96c614","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"555713d206138491c56e6b92fd1a37634804c1e0adca7efa9a0c9a373c96c614","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"5.0 Projected Payments Table\n\ni. I NI TIAL PERIODI C PAYMENT\n\nThe initial periodic payment or payment range must be disclosed in the first column. The only time the payment\nis expressed as a range is if the P&I payment amount adjusts more than one time within the first year.\n\nii. PAYMENT EXTENDS ONLY PARTWAY THROUGH YEAR\n\nIf a payment amount is in force for only part of a year, it is disclosed as if it continued through the entire year,\nand the change to the payment amount is disclosed beginning in the next year with a new column. This payment\ncan be disclosed in any column.\n\niii. MORE THAN FOUR PAYMENT CHANGES OVER LIFE OF LOAN\n\nAfter three separate periodic payments or payment ranges have been disclosed, all other payment change\nevents are grouped together and disclosed in the fourth column as a single payment range.\n\niv. FI NAL BALLOON PAYMENT\n\nThe final balloon payment under the terms of the legal obligation must be disclosed separately as the last\ncolumn in the Projected Payments table. The column heading for a final balloon payment is Final Payment\ninstead of Year n.\n\nb. PAYMENT CHANGE EVENTS\n\nThe following post-consummation events must be disclosed as new columns in the Projected Payments table,\nup to a total of four. If more than four payment change events can occur, the minimum and maximum payment\npossible during the rest of the loan term after the third change event are disclosed in the last column as a\npayment range.\n\ni. ARM, Step Rate: an adjustment to interest rate or applicable interest rate caps (either based upon the\n\nvalue of an external index or according to a schedule).\n"}
diff --git a/chunks/json/5557a2b0751d7f4da78eada8f3fc9b3da93be99e5cdb10864f900226fe06642b.json b/chunks/json/5557a2b0751d7f4da78eada8f3fc9b3da93be99e5cdb10864f900226fe06642b.json
new file mode 100644
index 0000000000000000000000000000000000000000..aa33970f28c0e3e23d83b1640596760b697107aa
--- /dev/null
+++ b/chunks/json/5557a2b0751d7f4da78eada8f3fc9b3da93be99e5cdb10864f900226fe06642b.json
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diff --git a/chunks/json/557a73e7e559df9dc57649c473baa4d8327c9cc22d599a7885a47dd5a563b5cd.json b/chunks/json/557a73e7e559df9dc57649c473baa4d8327c9cc22d599a7885a47dd5a563b5cd.json
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diff --git a/chunks/json/558147f1b6cc84266a652b321cf6315d450abcc8a70aaa48db618e2a230a53db.json b/chunks/json/558147f1b6cc84266a652b321cf6315d450abcc8a70aaa48db618e2a230a53db.json
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index 0000000000000000000000000000000000000000..116829ae5d7e89cdd170b870c9b3670dfa897e12
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+++ b/chunks/json/558147f1b6cc84266a652b321cf6315d450abcc8a70aaa48db618e2a230a53db.json
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+{"chunk":{"char_end":130781,"char_start":129124,"chunk_id":"chk_e9878ed4cdb578d4","chunk_index":75,"chunk_sha256":"558147f1b6cc84266a652b321cf6315d450abcc8a70aaa48db618e2a230a53db","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"558147f1b6cc84266a652b321cf6315d450abcc8a70aaa48db618e2a230a53db","token_estimate":414,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Special Tax Assessments\n\nSubject Property: Special Tax Assessments\n\nReport\nField ID\n\n3.008\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nSpecial Tax\nAssessments\n\nAlways required\n\nYes | No\n\nDefinition / Additional Guidance\n\nIndicates whether there are special tax assessments. A special tax assessment is\nan additional tax levied on the property to pay for specific local (municipalities\nor governmental) infrastructure projects (e.g., public road or sewer\nconstruction or maintenance).\n\nNote: Do not include project special assessments. These are reported in the\nProject Information section (18.072).\n\nRequired if Special Tax\nAssessments is Yes\n\nFree-form\n\nDescribe the special tax assessment, including amount, purpose, and the\nimpact to value and / or marketability.\n\n3.009\n\nDescription of\nSpecial Tax\nAssessments\nand Impact to\nValue /\nMarketability\n\nAppendix F-1: URAR Reference Guide\n\nPage 50 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nOwnership Rights\n\n03 Subject Property\n\nThis subsection describes the ownership and property rights appraised for the subject property. The appraiser\nmust identify any property rights excluded from the valuation of the subject property such as mineral rights,\nwater rights etc. Fractional, timeshare or segmented ownership rights must be identified in Subject Property\nCommentary (3.032) when they exist for the subject property.\n\nProperty Rights\n\nReport\nField ID\n\n3.019\n\nReport Label\n\nWhen to Include\n\nProperty Rights\nAppraised\n\nRequired if the\nproperty is not in a\ncooperative\n\n3.020\n\nCommunity Land\nTrust\n\n3.021\n\nNative American\nLands\n\nRequired if Property\nRights Appraised is\nLeasehold or Other\n"}
diff --git a/chunks/json/559f2738c12277030d8ea4430c94b886f184774538a842b2306140d5e13b1ab8.json b/chunks/json/559f2738c12277030d8ea4430c94b886f184774538a842b2306140d5e13b1ab8.json
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index 0000000000000000000000000000000000000000..788d8c0110011ce7ec8ad8e1cc617dcf0e99b610
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+++ b/chunks/json/559f2738c12277030d8ea4430c94b886f184774538a842b2306140d5e13b1ab8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6813,"char_start":5117,"chunk_id":"chk_735843638389fd4f","chunk_index":3,"chunk_sha256":"559f2738c12277030d8ea4430c94b886f184774538a842b2306140d5e13b1ab8","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_80141fc5f7cc473c","text_sha256":"559f2738c12277030d8ea4430c94b886f184774538a842b2306140d5e13b1ab8","token_estimate":424,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1075_466.pdf"]},"text":"182\n\n183\n\nAre the units, common elements, and recreation facilities complete (including any planned rehabilitation for a condominium conversion)? Yes No If No, describe\n187\n\n186\n\n185\n\nIs there any commercial space in the project? Yes No If Yes, describe and indicate the overall percentage of the commercial space.\ne-32; 190\n\n189\n\n188\n\nFreddie Mac Form 466 March 2005 226\n\nPage 1 of 6\n\nFannie Mae Form 1075 March 2005\n\n2\n\nExterior-Only Inspection Individual Condominium Unit Appraisal Report File # 3 4 4a\n\nDescribe the condition of the project and quality of construction 5\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\nU\nN\nI\nT\n\nI\nM\nP\nR\nO\nV\nE\nM\nE\nN\nT\nS\n\nP\nR\nI\nO\nR\n\nS\nA\nL\nE\n\nH\nI\nS\nT\nO\nR\nY\n\nDescribe the common elements and recreational facilities. 6\n\nAre any common elements leased to or by the Homeowners’ Association? Yes No If Yes, describe the rental terms and options. 9\n\n7\n\n8\n\nIs the project subject to ground rent? Yes No If Yes, $\n\n10\n\n11\n\n12\n\nper year (describe terms and conditions) 13\n\nAre the parking facilities adequate for the project size and type? Yes No If No, describe and comment on the effect on value and marketability. 16\n\n14\n\n15\n\n17\n\n18\n\nI did did not analyze the condominium project budget for the current year. Explain the results of the analysis of the budget (adequacy of fees, reserves, etc.), or why\nthe analysis was not performed. 19\n\nAre there any other fees (other than regular HOA charges) for the use of the project facilities? Yes No If Yes, report the charges and describe. 22\n\n20\n\n21\n\nCompared to other competitive projects of similar quality and design, the subject unit charge appears High Average Low If High or Low, describe 26\n"}
diff --git a/chunks/json/55a66aaebe8bba9682a0c3c91f29946a3a8f3ececfcfaae0592ee31e9fc4a9e8.json b/chunks/json/55a66aaebe8bba9682a0c3c91f29946a3a8f3ececfcfaae0592ee31e9fc4a9e8.json
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+{"chunk":{"char_end":1746,"char_start":0,"chunk_id":"chk_67f2769a7c6e16a3","chunk_index":0,"chunk_sha256":"55a66aaebe8bba9682a0c3c91f29946a3a8f3ececfcfaae0592ee31e9fc4a9e8","date_utc":"2026-01-27T17:54:26+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_c94a1717d5d4a190","text_sha256":"55a66aaebe8bba9682a0c3c91f29946a3a8f3ececfcfaae0592ee31e9fc4a9e8","token_estimate":529,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Suspended_Counterparty_Program___FHFA_zrmpap.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/regulation/suspended-counterparty-program\"\ndate_accessed: \"2026-01-27T17:54:20.426Z\"\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/55b0393e9f5d89afea1951e44bb799bbd1c95270a40605f500436be2682379cf.json b/chunks/json/55b0393e9f5d89afea1951e44bb799bbd1c95270a40605f500436be2682379cf.json
new file mode 100644
index 0000000000000000000000000000000000000000..44f1b4c6c7727426961c5b78e52321550866d1b1
--- /dev/null
+++ b/chunks/json/55b0393e9f5d89afea1951e44bb799bbd1c95270a40605f500436be2682379cf.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":130119,"char_start":128517,"chunk_id":"chk_f605973c8fb2975e","chunk_index":69,"chunk_sha256":"55b0393e9f5d89afea1951e44bb799bbd1c95270a40605f500436be2682379cf","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"55b0393e9f5d89afea1951e44bb799bbd1c95270a40605f500436be2682379cf","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"10.157\n\nIntegratedDisclosureSectionType\n\nDueFromBorrowerAtClosing\n\n10.158\n\nIntegratedDisclosureSubsectionType\n\nAdjustmentsForItemsPaidBySellerInAdvance\n\n10.023\n\nProrationItemAmount\n\n5.00\n\n10.019\n\nProrationItemPaidFromDate\n\n2024-04-15\n\n10.020\n\nProrationItemPaidThroughDate\n\n2024-04-30\n\nUCD v2.0 Implementation Guide\n\n- 54 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nTable 31. UCD v2.0 Spec Excerpt - Proration Line Items Data Requirements.\n\nUCD UID MISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\n10.017\n\nProrationItemType\n\nCityPropertyTax\n\n…/PRORATION_ITEM\n\n10.157\n\nIntegratedDisclosureSectionType\n\nDueFromBorrowerAtClosing\n\n10.158\n\nIntegratedDisclosureSubsectionType\n\nAdjustmentsForItemsPaidBySellerInAdvance\n\n10.023\n\nProrationItemAmount\n\n3.00\n\n10.019\n\nProrationItemPaidFromDate\n\n2024-04-15\n\n10.020\n\nProrationItemPaidThroughDate\n\n2024-04-30\n\n10.017\n\nProrationItemType\n\nHomeownersAssociationDues\n\n…/PRORATION_ITEM\n\n10.157\n\nPaidAlreadyByOrOnBehalfOfBorrower\nAtClosing\n\nPaidAlreadyByOrOnBehalfOfBorrowerAtClos\ning\n\n10.158\n\nIntegratedDisclosureSubsectionType\n\nAdjustmentsForItemsUnpaidBySeller\n\n10.023\n\nProrationItemAmount\n\n36.00\n\n10.019\n\nProrationItemPaidFromDate\n\n2024-04-15\n\n10.020\n\nProrationItemPaidThroughDate\n\n2024-04-30\n\n10.017\n\nProrationItemType\n\nCountyPropertyTax\n\n…/PRORATION_ITEM\n\n10.157\n\nPaidAlreadyByOrOnBehalfOfBorrower\nAtClosing\n\nPaidAlreadyByOrOnBehalfOfBorrowerAtClos\ning\n\n10.158\n\nIntegratedDisclosureSubsectionType\n\nAdjustmentsForItemsUnpaidBySeller\n\n10.023\n\nProrationItemAmount\n\n10.00\n\n10.019\n\nProrationItemPaidFromDate\n\n2024-04-15\n\n10.020\n"}
diff --git a/chunks/json/55c940587e702cc925706f6d8076e8268ad70f61380c8d57184a704c7738c4cb.json b/chunks/json/55c940587e702cc925706f6d8076e8268ad70f61380c8d57184a704c7738c4cb.json
new file mode 100644
index 0000000000000000000000000000000000000000..8f44bfddf04e6fe4a04d775795ac010713fcc7ce
--- /dev/null
+++ b/chunks/json/55c940587e702cc925706f6d8076e8268ad70f61380c8d57184a704c7738c4cb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":29279,"char_start":27401,"chunk_id":"chk_f625626b5e0a61ee","chunk_index":13,"chunk_sha256":"55c940587e702cc925706f6d8076e8268ad70f61380c8d57184a704c7738c4cb","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"55c940587e702cc925706f6d8076e8268ad70f61380c8d57184a704c7738c4cb","token_estimate":470,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"B. MISMO Standard Developers\n\nVolunteers from across the mortgage industry, including the GSEs, work together to\ndevelop and maintain a comprehensive set of standard data for all stages of the mortgage\nlife cycle. MISMO workgroups focused on specific functions include:\n\n Credit Reporting,\n\n Flood Insurance,\n\n Loan Servicing (including Investor Reporting),\n\n Mortgage Insurance,\n\n Origination (including Underwriting and Closing),\n\n PropertyValuation,\n\n Secondary Delivery, and\n\n Title Insurance.3\n\nThe GSEs are actively involved in a variety of MISMO workgroups. Each GSE will\ncontinue to engage with the workgroups as the loan delivery datasets and usage\nrequirements are finalized.\n\n2 Excerpts from MISMO Web site, “About MISMO” page, http://www.mismo.org/about-mismo.html, 9/14/10.\n3 Ibid.\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 7 of 76\n\nSection III. Using the MISMO v3.0 Logical Data Dictionary\n\nIII. Using the MISMO v3.0 Logical Data Dictionary\n\nThe LDD is published both as an XML schema document and an Excel4 workbook\ncomprising six worksheets containing alphabetical lists of each data point, container, attribute,\nand arc role (container relationships)5 used in the MISMO V3.0 Reference Model. The LDD\nalso tracks the data points and containers that have been deprecated (retired). Since the Excel\nversion of the LDD can be referenced by any business partner without special software, the\nExcel version is described in this User Guide. The version of the LDD upon which ULDDS\nAppendix A is based is V30_B263-12_LDDReport.xls, dated June 2, 2010, downloadable\nfrom the Specification page of the MISMO Web site as V3_0_CR_2010-12.zip. 6 This\nsection describes some of the foundational concepts of the LDD in terms of the GSEs’\nintended use.\n"}
diff --git a/chunks/json/55cebd52721ca65135a646a2aad60083f5e96c5da85b5a316cb6a99a3391043f.json b/chunks/json/55cebd52721ca65135a646a2aad60083f5e96c5da85b5a316cb6a99a3391043f.json
new file mode 100644
index 0000000000000000000000000000000000000000..b2330905b6a65ded259c83cf324e608dcdf490b5
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+{"chunk":{"char_end":4445,"char_start":1874,"chunk_id":"chk_3dd4c2d11a0f8c19","chunk_index":1,"chunk_sha256":"55cebd52721ca65135a646a2aad60083f5e96c5da85b5a316cb6a99a3391043f","date_utc":"2026-01-27T17:47:50+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d62475641b3949a6","text_sha256":"55cebd52721ca65135a646a2aad60083f5e96c5da85b5a316cb6a99a3391043f","token_estimate":890,"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":"*[![USAGov Logo](/themes/custom/usagov/images/USAGov_logo_51px.png)](/)*\n\n[Español](/es/) Menu [Call us at 1-844-USAGOV1](/phone)\n\nSearch ![Search](/themes/custom/usagov/components/searchbar/images/search--dark.svg)\n\n![Close](/themes/custom/usagov/assets/img/usa-icons/close.svg) - [All topics and services](/#all-topics-header)\n - [The U.S. and its government](/about-the-us)\n - [Government benefits](/benefits)\n - [Immigration and U.S. citizenship](/immigration-and-citizenship)\n - [Money and credit](/money)\n - [Taxes](/taxes)\n - [Travel](/travel)\n\n.banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_480w/public/2023-02/Homepage_Banner.png.webp?itok=oRUyh2zS); } /* Tablet 1x */ @media(min-width: 640px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_640w/public/2023-02/Homepage_Banner.png.webp?itok=YjZoK3id); } } /* Mobile 1.5x */ @media(min-width: 720px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_720w/public/2023-02/Homepage_Banner.png.webp?itok=AAnRcXg_); } } /* Tablet 1.5x & Mobile 2x */ @media(min-width: 960px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_960w/public/2023-02/Homepage_Banner.png.webp?itok=XTdqArEv); } } /* Desktop 1x */ @media(min-width: 1024px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_1024w/public/2023-02/Homepage_Banner.png.webp?itok=i1ALXCH1); } } /* Tablet 2x */ @media(min-width: 1280px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_1280w/public/2023-02/Homepage_Banner.png.webp?itok=J1XI6S0_); } } /* Mobile 3x */ @media(min-width: 1440px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_1440w/public/2023-02/Homepage_Banner.png.webp?itok=I-x-PoQ3); } } /* Desktop 1.5x */ @media(min-width: 1536px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_1536w/public/2023-02/Homepage_Banner.png.webp?itok=_ADALubz); } } /* Tablet 3x */ @media(min-width: 1920px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_1920w/public/2023-02/Homepage_Banner.png.webp?itok=lAbiPNp-); } } /* Desktop 2x */ @media(min-width: 2048px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_2048w/public/2023-02/Homepage_Banner.png.webp?itok=O6y_Q-rP); } } /* Desktop 3x */ @media(min-width: 3072px) { .banner-div { background-image: url(https://www.usa.gov/s3/files/styles/max_3072w/public/2023-02/Homepage_Banner.png.webp?itok=AvW3HSyR); } }\n"}
diff --git a/chunks/json/55daaab02555857a5a2677f192a96c91fe82742f9ea92e5d86ea09cbf88d50dc.json b/chunks/json/55daaab02555857a5a2677f192a96c91fe82742f9ea92e5d86ea09cbf88d50dc.json
new file mode 100644
index 0000000000000000000000000000000000000000..e28a93b74dc6985e4e11206e5c9cbef20489ee74
--- /dev/null
+++ b/chunks/json/55daaab02555857a5a2677f192a96c91fe82742f9ea92e5d86ea09cbf88d50dc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":95641,"char_start":94042,"chunk_id":"chk_a9b2f7a596a11b37","chunk_index":51,"chunk_sha256":"55daaab02555857a5a2677f192a96c91fe82742f9ea92e5d86ea09cbf88d50dc","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"55daaab02555857a5a2677f192a96c91fe82742f9ea92e5d86ea09cbf88d50dc","token_estimate":400,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"r\ne\nt\nt\no\n\nl\n\n34208\n\nFederal Register / Vol. 85, No. 107 / Wednesday, June 3, 2020 / Notices\n\nadding certain geographic indicators\nthat correspond to certain regions of\nfocus under the Enterprise Duty to Serve\nprogram (12 CFR part 1282, subpart C)\nwill help provide greater transparency\nto the public about the Enterprises’ Duty\nto Serve activities;\n\nWhereas, to comply with the Safety\nand Soundness Act, it is necessary for\nFHFA to make changes to the data fields\nin the single-family and multifamily\nmatrices of the PUDB, which set forth\nthe data required to be submitted for the\nPUDB and the privacy and proprietary\nmodifications to that data, as directed in\nthis Order;\n\nNow, therefore, it is hereby ordered as\n\nfollows:\n\n1. The data fields in the single-family\n\nand multifamily matrices of the PUDB\nare revised as set forth in the matrices\npublished on the FHFA website at\nhttps://www.fhfa.gov/DataTools/\nDownloads/Pages/Public-Use-\nDatabases.aspx, which are incorporated\nherein by reference, to include:\n\n(a) The data elements that are the\nsame as those required to be reported\nunder HMDA, pursuant to 12 U.S.C.\n4543(a)(2) and 4546(d)(1), except for\ncertain newly collected data elements\nthat require further analysis to ensure\ndata quality before inclusion in the\nPUDB;\n\n(b) Revised proprietary and privacy\nprotections, including the disclosure of\ndata elements previously withheld or\nmodified on proprietary grounds that\nare no longer eligible for proprietary\nprotection under 12 U.S.C. 4543(b)(2);\nand\n\n(c) Certain Duty to Serve geographic\n\nindicators;\n\n2. The Enterprises shall provide to\n"}
diff --git a/chunks/json/55de3b47ab8b4c3bf9dbe8855fc0df0a8530e6758b27a334796e0ba6081400a2.json b/chunks/json/55de3b47ab8b4c3bf9dbe8855fc0df0a8530e6758b27a334796e0ba6081400a2.json
new file mode 100644
index 0000000000000000000000000000000000000000..35f9b6d8989b610c7f5a33bc736ceac5bc514124
--- /dev/null
+++ b/chunks/json/55de3b47ab8b4c3bf9dbe8855fc0df0a8530e6758b27a334796e0ba6081400a2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":86326,"char_start":84476,"chunk_id":"chk_b36f9ec8fc29ce85","chunk_index":51,"chunk_sha256":"55de3b47ab8b4c3bf9dbe8855fc0df0a8530e6758b27a334796e0ba6081400a2","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"55de3b47ab8b4c3bf9dbe8855fc0df0a8530e6758b27a334796e0ba6081400a2","token_estimate":463,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Neighborhood\nDemand Supply Type\n\n67\n\nNEIGHBORHOOD\n\n68\n\nNEIGHBORHOOD\n\nMarketing Time\nUnder 3 mths\n\nMarketing Time\n3-6 mths\n\nNeighborhood\nTypical Marketing\nTime Duration Type\nNeighborhood\nTypical Marketing\nTime Duration Type\n\nSpecifies the urban, suburban, or\nrural nature of the location of the\nsubject property.\nSpecifies the urban, suburban, or\nrural nature of the location of the\nsubject property.\nSpecifies the urban, suburban, or\nrural nature of the location of the\nsubject property.\nSpecifies an estimated percentage\nrange of available land in the\nneighborhood that has been\nimproved. FORM SPECIFIC FIELD\nSpecifies an estimated percentage\nrange of available land in the\nneighborhood that has been\nimproved. FORM SPECIFIC FIELD\nSpecifies an estimated percentage\nrange of available land in the\nneighborhood that has been\nimproved. FORM SPECIFIC FIELD\nSpecifies the rate at which the\nneighborhood is being developed or if\nit has been fully developed.\nSpecifies the rate at which the\nneighborhood is being developed or if\nit has been fully developed.\nSpecifies the rate at which the\nneighborhood is being developed or if\nit has been fully developed.\n\nSpecifies the current trend of property\nvalues in the neighborhood.\n\nSpecifies the current trend of property\nvalues in the neighborhood.\n\nSpecifies the current trend of property\nvalues in the neighborhood.\n\nSpecifies the state of market demand\nversus the supply of properties in the\nneighborhood.\nSpecifies the state of market demand\nversus the supply of properties in the\nneighborhood.\nSpecifies the state of market demand\nversus the supply of properties in the\nneighborhood.\nSpecifies the typical length of time a\nproperty would stay on the market\nbefore being sold in the\nneighborhood\nSpecifies the typical length of time a\nproperty would stay on the market\nbefore being sold in the\nneighborhood\n"}
diff --git a/chunks/json/55e4e06c7a7618391ed5e0bbe9049c8e04cd99f3de1fcd3596f9f08c0e8dde3e.json b/chunks/json/55e4e06c7a7618391ed5e0bbe9049c8e04cd99f3de1fcd3596f9f08c0e8dde3e.json
new file mode 100644
index 0000000000000000000000000000000000000000..1390aa0f5b5bbf57ec9471ef85b05696c4de0c6b
--- /dev/null
+++ b/chunks/json/55e4e06c7a7618391ed5e0bbe9049c8e04cd99f3de1fcd3596f9f08c0e8dde3e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11201,"char_start":9534,"chunk_id":"chk_e880d8229829d23d","chunk_index":5,"chunk_sha256":"55e4e06c7a7618391ed5e0bbe9049c8e04cd99f3de1fcd3596f9f08c0e8dde3e","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_a92ea8dcd0a3399d","text_sha256":"55e4e06c7a7618391ed5e0bbe9049c8e04cd99f3de1fcd3596f9f08c0e8dde3e","token_estimate":415,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Home___FHFA_yqzops.md"]},"text":"## About FHFA\n\nThe Federal Housing Finance Agency (FHFA) is an independent agency established by the [Housing and Economic Recovery Act of 2008](/sites/default/files/2024-12/GPO_Authenticated_HERA.pdf) (HERA) and is responsible for the effective supervision, regulation, and housing mission oversight of the [Federal National Mortgage Association (Fannie Mae), 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 Agency'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[Read More](/about)\n\n## Latest News\n\n- ## News Release\n\n![FHFA House Price Index® Up 0.6 Percent in November; Up 1.9 Percent from Last Year ](/sites/default/files/2026-01/hpi-january-2026-homepage-card-image.jpg)\n\nJanuary 27, 2026\n\nU.S. house prices rose 0.6 percent in November, according to the U.S. Federal Housing (FHFA) seasonally adjusted monthly House Price Index (FHFA HPI®). House prices rose 1.9 percent from November 2024 to November 2025. The previously reported 0.4 percent price change in October remained unchanged.\n\n[Read More](/news/news-release/fhfa-house-price-indexr-up-0.6-percent-in-november-up-1.9-percent-from-last-year)\n"}
diff --git a/chunks/json/55eeace2bc15f99d4283a6e4e98154d068ae094ae2d6540fa5d897dd575e7ccc.json b/chunks/json/55eeace2bc15f99d4283a6e4e98154d068ae094ae2d6540fa5d897dd575e7ccc.json
new file mode 100644
index 0000000000000000000000000000000000000000..91089411471d6eeafd5d6f72b2338881fccacea5
--- /dev/null
+++ b/chunks/json/55eeace2bc15f99d4283a6e4e98154d068ae094ae2d6540fa5d897dd575e7ccc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1632,"char_start":0,"chunk_id":"chk_a3abd9595f2b213f","chunk_index":0,"chunk_sha256":"55eeace2bc15f99d4283a6e4e98154d068ae094ae2d6540fa5d897dd575e7ccc","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bb929fdc71438a44","text_sha256":"55eeace2bc15f99d4283a6e4e98154d068ae094ae2d6540fa5d897dd575e7ccc","token_estimate":408,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-spec-and-schema-changes-july-7-2025.pdf"]},"text":"UCD Integration Impact Memo\n\nUCD v2.0 Specification and Schema Updates\n\nImplementation\n\nFannie Mae and Freddie Mac (the GSEs) published the Uniform Closing Dataset v2.0 Specification (UCD v2.0) and supporting\nresources to provide clearer UCD XML file requirements to help improve data quality. UCD v2.0 (based on the Mortgage Industry\nStandards Maintenance Organization (MISMO®) residential standards v3.3.0299) fully reflects new and existing UCD XML file\nrequirements. UCD v2.0 incorporates all requirements documented in previously published UCD Impact Memos, the UCD Critical\nEdits Matrix (CEM) and other resources.\n\nHighlights include:\n\n• Updated requirements: Incorporation of industry, regulatory, and GSE requirement changes, including those\n\n•\n\n•\n\nimplemented as part of the UCD Critical Edits initiative.\nIncorporated Phase 4 UCD Critical Edits requirements: UCD v2.0 conditionality details form the basis of Phase 4 Critical\nEdits.\nIncorporated postponed UCD Phase 3B Critical Edits requirements: UCD v2.0 includes an EXTENSION to FEE_DETAIL to\nenable the GSEs to add and validate fee enumerations as well as revise certain Phase 3 Critical Edits.\n\n• New Software Provider Code requirements.\n• Updated format: Extensive formatting changes to align with other Unform Mortgage Data Program (UMDP)\n\nspecifications.\n\nPartner Responsibilities\n\nPartners are responsible for reviewing the updated specification document, timeline, and required changes to determine any\nrequired system changes necessary to support UCD v2.0.\n\nThe following documentation is available for review:\n\n§ Timeline for UCSD v2.0 Specification Initiative\n"}
diff --git a/chunks/json/560172e0cb61a2b1277cb87b25cb51f3adffa7c3ab9f338088f5eb59c9e6393a.json b/chunks/json/560172e0cb61a2b1277cb87b25cb51f3adffa7c3ab9f338088f5eb59c9e6393a.json
new file mode 100644
index 0000000000000000000000000000000000000000..1828c9b1610313c20fe88437dddd71b6e4bc54d9
--- /dev/null
+++ b/chunks/json/560172e0cb61a2b1277cb87b25cb51f3adffa7c3ab9f338088f5eb59c9e6393a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":74796,"char_start":73177,"chunk_id":"chk_a8fb0dffefdbf6a9","chunk_index":41,"chunk_sha256":"560172e0cb61a2b1277cb87b25cb51f3adffa7c3ab9f338088f5eb59c9e6393a","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"560172e0cb61a2b1277cb87b25cb51f3adffa7c3ab9f338088f5eb59c9e6393a","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":"Lenders should use the following criteria when determining if the loan can be delivered to Fannie Mae:\n\n•\n\n•\n\nIf the property has been damaged and the damage does not affect the soundness or structural integrity of the property\nand the repair items are covered by insurance, the lender may deliver the loan to Fannie Mae. In these circumstances, the\nlender must obtain documentation of the professional estimates of the repair costs and must ensure that sufficient funds\nare available for the borrower's benefit to guarantee the completion of the repairs.\n\nIf the property was damaged and the damage is uninsured or the damage affects the soundness or structural integrity of\nthe property, the property must be repaired before the loan is delivered to Fannie Mae.\n\nThese requirements are necessary to support the lender’s property representations and warranties and apply through the end of\nthe delivery process which is the whole loan purchase date or MBS settlement date. For DU loan casefiles with a value acceptance\nor value acceptance + property data offer, the lender may exercise the offer as long as they have complied with the above\nrequirements with regard to property condition and repairs. This applies in addition to the requirements in SB4-1.4-10, Value\nAcceptance and SB4-1.4-11, Value Acceptance + Property Data\n\nNote: The above requirements do not apply to high LTV refinance loans. See Selling Guide B5-7-02, High LTV Refinance\nUnderwriting, Documentation, and Collateral Requirements for the New Loan for additional information. For delivered loan\nrequirements, see the Servicing Guide, Chapter D1-3.\n"}
diff --git a/chunks/json/560a6f2e43087f16b920200317cf20b8a4f7c0ca1ea510f20cbdb6fc34da773c.json b/chunks/json/560a6f2e43087f16b920200317cf20b8a4f7c0ca1ea510f20cbdb6fc34da773c.json
new file mode 100644
index 0000000000000000000000000000000000000000..86f21dd31141246d576b3194fdc34b0ade93848b
--- /dev/null
+++ b/chunks/json/560a6f2e43087f16b920200317cf20b8a4f7c0ca1ea510f20cbdb6fc34da773c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10142,"char_start":8527,"chunk_id":"chk_5d0a0a7ac5dfabe6","chunk_index":4,"chunk_sha256":"560a6f2e43087f16b920200317cf20b8a4f7c0ca1ea510f20cbdb6fc34da773c","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bc0c11220168b9d2","text_sha256":"560a6f2e43087f16b920200317cf20b8a4f7c0ca1ea510f20cbdb6fc34da773c","token_estimate":404,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2011-24791 (1).pdf"]},"text":"C. Description of Enterprise Reporting\nand Current PUDB Matrices\n\nThe PUDB matrices are data\n\ndictionaries that describe the data fields\nprovided in the public release of the\ndata in the PUDB. The PUDB contains\nEnterprise single-family and\nmultifamily mortgage loan-level data\nreported to FHFA by the Enterprises,\nincluding data elements that have been\ndetermined to lose their proprietary\ncharacter when categorized in ranges or\notherwise adjusted or recoded. For\nsingle-family mortgage data, there\ncurrently are three separate files: A\nCensus Tract File that identifies the\ncensus tract location of the mortgaged\nproperties; a National File A containing\nloan-level data on owner-occupied one-\nunit properties but without census tract\nidentifiers; and a National File B\ncontaining unit-level data on all single-\nfamily properties without census tract\nidentifiers. For multifamily data, there\nare two separate files: A Census Tract\n\n2 FHFA’s Order revises the single-family and\nmulti-family data matrices, effective for 2010 and\nbeyond. The Enterprises’ HMDA rate spread\nsubmissions for 2008–2009 indicate that the HMDA\nrate spread is of questionable value for those years.\nSee discussion in section V. below.\n\nFile that identifies the census tract\nlocation of the mortgaged properties;\nand a National File that does not\nidentify the location of the mortgaged\nproperties but contains mortgage-level\ndata and unit class-level data on all\nmultifamily properties. The Enterprises\nalso separately report to FHFA certain\nsingle-family and multifamily mortgage\ndata for safety and soundness and other\nregulatory purposes.\n"}
diff --git a/chunks/json/560e6c22127bca1c2c302fe3d3a5b125f6a9a4bfc586fdf0404d6924ba8d804e.json b/chunks/json/560e6c22127bca1c2c302fe3d3a5b125f6a9a4bfc586fdf0404d6924ba8d804e.json
new file mode 100644
index 0000000000000000000000000000000000000000..cec07563803526711cd55218521b2f53a76a6a9d
--- /dev/null
+++ b/chunks/json/560e6c22127bca1c2c302fe3d3a5b125f6a9a4bfc586fdf0404d6924ba8d804e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":92119,"char_start":90513,"chunk_id":"chk_9c04e8a99244a45c","chunk_index":132,"chunk_sha256":"560e6c22127bca1c2c302fe3d3a5b125f6a9a4bfc586fdf0404d6924ba8d804e","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"560e6c22127bca1c2c302fe3d3a5b125f6a9a4bfc586fdf0404d6924ba8d804e","token_estimate":402,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Additionally, UAD needs to link comparable adjustments to the subject property improvement. Defects need to be linked to their amenity,\nor improvement or property unit. Improvement costs and depreciated value need to be linked to a specific improvement. Each appraiser\nand/or appraiser supervisor must be associated with the report and to their respective signatory line in the report. None of these\nrelationships can be expressed by containment either.\n\nWe need a way to:\n\n1. Uniquely label each item (in this case, a container holding a set of information).\n2. “Draw” logical lines between the items that should be linked.\n\nThis capability in XML is called xLink. In the submission file, each “item” is uniquely identified by a label specifically created to be used\nwithin UAD Delivery. The linking of the items is described in repeating RELATIONSHIP containers, which contain the label names of each\nitem to be linked, and the type of relationship. The following table illustrates the xLink concept.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nUAD Delivery File Relationships\n\nPage 31\n\nArcrole (Verb Phrase)\n\nXPath From Endpoint\n\nSource\n\nXPath To Endpoint\n\nTarget\n\n• MISMO v3.6 attribute\nproviding information\nabout the origin,\ndestination, and\nbehavior of a link\nbetween two objects\ndescribed in the XML\nfile.\n\n• The “name” of the\n\narcrole, defining the\nrelationship between\ntwo containers.\n\n• The hierarchical\npath through the\nMISMO v3.6\nschema\ndocument to the\nsource data point\nthat will be part\nof the link.\n• This is where\n\nXlink attributes\nare included in\nthe Delivery File.\n\n• The name of the\n"}
diff --git a/chunks/json/5611387b936ee1d5ec44f1c98e1a2db324bddc06e08d5d0427910b85e93353f8.json b/chunks/json/5611387b936ee1d5ec44f1c98e1a2db324bddc06e08d5d0427910b85e93353f8.json
new file mode 100644
index 0000000000000000000000000000000000000000..d6dd618997f1e3f6296d3481cdc7a3ebcc1b99e1
--- /dev/null
+++ b/chunks/json/5611387b936ee1d5ec44f1c98e1a2db324bddc06e08d5d0427910b85e93353f8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3406,"char_start":3344,"chunk_id":"chk_679e3cdc228f412b","chunk_index":2,"chunk_sha256":"5611387b936ee1d5ec44f1c98e1a2db324bddc06e08d5d0427910b85e93353f8","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_2f661b7c8dc0733b","text_sha256":"5611387b936ee1d5ec44f1c98e1a2db324bddc06e08d5d0427910b85e93353f8","token_estimate":18,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-integration-impact-memo-nov-19-2022.pdf","below_target_min_tokens"]},"text":"© 2022 Fannie Mae. Trademarks of Fannie Mae.\n\n10.19.22 4 of 4\n"}
diff --git a/chunks/json/5624992fe7ecab7116b1d95e14311e0c73bd9d8d004d6a935ed6545f40cb9054.json b/chunks/json/5624992fe7ecab7116b1d95e14311e0c73bd9d8d004d6a935ed6545f40cb9054.json
new file mode 100644
index 0000000000000000000000000000000000000000..d325745191e4b17ac39cfb2c2b258cfcb2fdc3c8
--- /dev/null
+++ b/chunks/json/5624992fe7ecab7116b1d95e14311e0c73bd9d8d004d6a935ed6545f40cb9054.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":495068,"char_start":493278,"chunk_id":"chk_8ca8138178068b91","chunk_index":281,"chunk_sha256":"5624992fe7ecab7116b1d95e14311e0c73bd9d8d004d6a935ed6545f40cb9054","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"5624992fe7ecab7116b1d95e14311e0c73bd9d8d004d6a935ed6545f40cb9054","token_estimate":448,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Table 152. Real Estate Broker (B) Contact Information\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0\nData Point |\nAttribute Name\n\nMISMO v3.3.0 Value\n\nNotes\n\n23.9.3 Phone\n\n23.5.3 Contact\n\nN/A\n\nUID\n997.009\n\nN/A\n\nUID\n997.010\n\n…/CONTACT_POINT/\nCONTACT_POINT_TE\nLEPHONE\n\n…/INDIVIDUAL/NAM\nE\n\nContactPointTelepho\nneValue\n\n1235551717\n\nROF as “123-555-\n1717”\n\nFirstName\n\nLastName\n\nSamuel\n\nGreen\n\n…/ROLE_DETAIL\n\n@SequenceNumber 6\n\n@xlink:label\n\nPARTY6_ROLE1\n\n23.0.3 Real Estate Broker\n\n(B)\n\n…/ROLE/REAL_ESTAT\nE_AGENT\n\nRealEstateAgentType Selling\n\n23.0.3 Real Estate Broker\n\n…/ROLE_DETAIL\n\nPartyRoleType\n\nRealEstateAgent\n\n(B)\n\nN/A – XML\n\n…/DOCUMENT/RELA\nTIONSHIP\n\n@SequenceNumber 3\n\nEnd of PARTY | PARTIES\n\n@xlink:arcrole\n\nurn:fdc:mismo.org:2\n009:residential/\nROLE_IsEmployedBy\n_ROLE\n\n@xlink:from\n\nPARTY6_ROLE1\n\n@xlink:to\n\nPARTY5_ROLE1\n\nUID\n997.069\n\nUID\n997.073\n\nUID\n997.077\n\nUID\n997.081\n\nNot shown –\nrelationships\n\nNot shown –\nrelationships\n\nROF as “Real Estate\nBroker (B)” in\ncolumn heading\n\nROF as “Real Estate\nBroker (B)” column\nheading\n\nNot shown –\nrelationships\n\n▪ Not shown –\nrelationships\n▪ Specifies that\n\nSamuel Green is\nemployed by\nOmega Real Estate\n\n▪ Not shown –\n\nrelationship s\n▪ Specifies that\n\nSamuel Green is\nemployed by\nOmega Real Estate\n\n▪ Not shown –\nrelationships\n▪ Specifies that\n\nSamuel Green is\nemployed by\nOmega Real Estate\n\nAppendix E: UCD Implementation Guide\n\nPage 232 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n23.0 Contact Information\n\nA. MAPPI NG GUI DANCE\n\n1. Although the data points PartyRoleType = “ClosingAgent” and FullName are also used to support 1.4\n\nSettlement Agent under Closing Information, they are provided in the UCD file only once. Additionally, the\nSettlement Agent column does not require RealEstateAgentType illustrated in this example.\n"}
diff --git a/chunks/json/56255057d9e46173bccbd012e00ecf4a90db9d66eef3b2a36ca818aa3d4d0920.json b/chunks/json/56255057d9e46173bccbd012e00ecf4a90db9d66eef3b2a36ca818aa3d4d0920.json
new file mode 100644
index 0000000000000000000000000000000000000000..f551a737a108c8dd93b5b8eea83cbf30bc1d561b
--- /dev/null
+++ b/chunks/json/56255057d9e46173bccbd012e00ecf4a90db9d66eef3b2a36ca818aa3d4d0920.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":5213,"char_start":3501,"chunk_id":"chk_8963a2ca594176c5","chunk_index":2,"chunk_sha256":"56255057d9e46173bccbd012e00ecf4a90db9d66eef3b2a36ca818aa3d4d0920","date_utc":"2026-01-27T18:02:36+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_75d81a7076add137","text_sha256":"56255057d9e46173bccbd012e00ecf4a90db9d66eef3b2a36ca818aa3d4d0920","token_estimate":428,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-integration-impact-memo-sept-27-2025.pdf"]},"text":"Fannie Mae will provide the specific text to be\nused to invoke certain DU rules. Current valid\nvalues are listed below. New values will be\ncommunicated in DU Release Notes,\nIntegration Impact Memos, and Fannie Mae\nSelling Guide.\n\nImplementation Notes for FHA and VA:\nLenders should ensure that they are following\napplicable FHA and VA guidelines for their\nuse.\n\nRestrictedStock - This value is used to\nindicate that the income amount is\n\n© 2025 Fannie Mae 8.8.25\n\n2 of 4\n\nUnique\nID\n\nData Point Name\n\nDU Supported\nEnumeration(s)\n\nChange\n\n5.0247\n\nAssetTypeOtherDescription\n\n6.0016\n\nLiabilityPayoffStatusIndicator\n\n6.0060\n\nLiabilityPayoffStatusIndicator\n\n8.0001\n\nIntentToOccupyType\n\n8.0003\n\nHomeownerPastThreeYearsType\n\nOtherLiquidAsset\nOtherNonLiquidAsset\nfalse\ntrue\nfalse\ntrue\nNo\nYes\nNo\nYes\n\nassociated with restricted stock. Enter an\nIncomeType of Other when this is being used.\nChanged the DU Data Point format from\nEnumerated to String 80.\nAdded indication these data points are part of\nthe Optimized Dataset.\nAdded indication these data points are part of\nthe Optimized Dataset.\nRemoved enumeration \"Unknown\"\n\nRemoved enumeration \"Unknown\"\n\n8.0063\n\nPartyRoleIdentifier\n\nChanged Data Point Format to Numeric 5.\n\n8.0073\n\nPartyRoleIdentifier\n\n12.0034\n\nDU:SharedEquityAmount\n\n12.0035\n\nDU:DUPolicyFeatureDescription\n\nAdded Implementation Notes for DU, CR, and\nEC, FHA and VA:\n\nThis field must contain exactly 5 digits.\nAlphabetic characters and special symbols\nare not allowed.\nChanged Data Point Format to Numeric 5.\n\nAdded Implementation Notes for DU, CR, and\nEC, FHA and VA.\n\nThis field must contain exactly 5 digits.\nAlphabetic characters and special symbols\nare not allowed.\nAdded MISMO extension data point.\n"}
diff --git a/chunks/json/564cd2106d69884a8f4ad271c90db78f4daba2de014aeae64df54086317eb918.json b/chunks/json/564cd2106d69884a8f4ad271c90db78f4daba2de014aeae64df54086317eb918.json
new file mode 100644
index 0000000000000000000000000000000000000000..1effce30f42d646ce291f8ac092bc018b3fb4bc5
--- /dev/null
+++ b/chunks/json/564cd2106d69884a8f4ad271c90db78f4daba2de014aeae64df54086317eb918.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9253,"char_start":7100,"chunk_id":"chk_9f60725d14ff1ad7","chunk_index":4,"chunk_sha256":"564cd2106d69884a8f4ad271c90db78f4daba2de014aeae64df54086317eb918","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_22e6cfd16b8e8aa4","text_sha256":"564cd2106d69884a8f4ad271c90db78f4daba2de014aeae64df54086317eb918","token_estimate":536,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Market_Risk_Scenarios___FHFA_u6imiv.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# Market Risk Scenarios\n\n## Breadcrumb\n\n- [Home](/)\n - [FHFA Data](/data)\n - [Federal Home Loan Bank Stress Tests For Market And Credit Risk](/data/fhlb-stress-tests)\n - Market Risk Scenarios\n\n## FHFA Methodology for Determining Market Risk Scenarios\n\nThe FHFA methodology to construct a historically-based shock for a given interest rate is to measure the absolute change at each term point on the corresponding yield curve over a six-month horizon, and then impose that absolute change on the current measure of that yield curve. However, because the current rate environment may differ significantly from the historical rate environment, imposing the historical shock on the current rate can result in a shock scenario that is implausible. Implausible shock scenarios include any that contain negative values for interest rates, and those where the resulting spread between any two different interest rates is inconsistent with the historically observed spread.\n"}
diff --git a/chunks/json/565dde168e39c12c2d139382693c979eed2cb8144af18b4a8ead3db242029ce6.json b/chunks/json/565dde168e39c12c2d139382693c979eed2cb8144af18b4a8ead3db242029ce6.json
new file mode 100644
index 0000000000000000000000000000000000000000..80f1f0f4e9a57de9959d550dab16f984f37e6dff
--- /dev/null
+++ b/chunks/json/565dde168e39c12c2d139382693c979eed2cb8144af18b4a8ead3db242029ce6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":699668,"char_start":697928,"chunk_id":"chk_cf1ae088a2fdff1d","chunk_index":414,"chunk_sha256":"565dde168e39c12c2d139382693c979eed2cb8144af18b4a8ead3db242029ce6","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"565dde168e39c12c2d139382693c979eed2cb8144af18b4a8ead3db242029ce6","token_estimate":435,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Occupant\nOwner\n\nOccupant\nTenant\n\nMap Reference\nIdentifier\n\nCensus Tract\nIdentifier\n\nA reference to a regionally specific map\ndocument that assists in locating a\nproperty. May refer to locally available\npublished map products (e.g. Thomas\nMap in CA) or a county tax map.\n\nIdentifies census tract as defined by the\nU.S. Census Bureau where subject\nproperty is located.\n\n/VALUATION_RESPONSE/PROPERTY/_IDENTIFICATION/@MapReferenceI\ndentifier\n\n/VALUATION_RESPONSE/PROPERTY/_IDENTIFICATION/@CensusTractId\nentifier\n\nProperty Current\nOccupancy Type\n\nSpecifies the property occupancy status of\na subject property.\n\n/VALUATION_RESPONSE/PROPERTY\n[@_CurrentOccupancyType='OwnerOccupied']\n\nProperty Current\nOccupancy Type\n\nSpecifies the property occupancy status of\na subject property.\n\n/VALUATION_RESPONSE/PROPERTY\n[@_CurrentOccupancyType='TenantOccupied']\n\n10\n\n50\n\n45\n\n30\n\n150\n\n60\n\n4\n\n10\n\n60\n\n10\n\n30\n\n25\n\n15\n\n15\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\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· 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\nmust be represented consistently.\n\nUAD Instruction - Refer to Appendix D Subject Section\nIf the subject property is not located in any county (e.g. the subject property is located\nin an independent city), enter the name of the local municipality or district in which the\nproperty is located.\n\nUAD Instruction - Refer to Appendix D Subject Section\nIf no parcel number is available, enter 'None'. If more than one parcel number is\napplicable, each should be listed and separated by a semicolon.\n"}
diff --git a/chunks/json/5660c09a61864d8771150955ab9535a2fb0a8611f4afde475a320254e493ff8d.json b/chunks/json/5660c09a61864d8771150955ab9535a2fb0a8611f4afde475a320254e493ff8d.json
new file mode 100644
index 0000000000000000000000000000000000000000..f409d08fe668f80f69165ed11be66648d5ddc7d7
--- /dev/null
+++ b/chunks/json/5660c09a61864d8771150955ab9535a2fb0a8611f4afde475a320254e493ff8d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":41946,"char_start":40337,"chunk_id":"chk_e09876c9bcea2eb7","chunk_index":24,"chunk_sha256":"5660c09a61864d8771150955ab9535a2fb0a8611f4afde475a320254e493ff8d","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"5660c09a61864d8771150955ab9535a2fb0a8611f4afde475a320254e493ff8d","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"The name of the lending organization that is\nsubmitting the appraisal report to UCDP.\n\nNote: The Lender Name may differ between each\nGSEs SSR.\n\nThe identifier of the license or certificate issued to\nthe appraiser.\n\nNote: Appears twice in a report when both general\nand supervisor appraiser role parties are present.\n\nThe two-character representation of the US state\ncode wherein the party is licensed or certified to\noperate.\n\nLicense Type\n\nappraiserLicenseType A code indicating the different types of appraisal\n\nBoth\n\nlicenses that can be held by an appraiser (e.g.,\nCertified General; Certified Residential; Licensed\nResidential Appraiser; None; Other; Trainee\nAppraiser).\n\nNote: Appears twice in report when both general\nand supervisor appraiser role parties are present.\n\nLoan Prospector* Key\n\nautomatedUnderwriti\nngCaseIdentifier\n\nThe Freddie Mac-specific number that refers to the\nLoan Product Advisor® (LPA®) AUS Key.\n\nMessage\n\nmessageText\n\nThe text description of each appraisal finding.\n\nFRE\n\nBoth\n\nBoth\n\nX\n\nX\n\nX\n\nBoth\n\nX\n\nX\n\nX\n\nBoth\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\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\nURAR\n\nMessage ID\n\nmessageId\n\nA unique identifier assigned to each\nfinding/message.\n\nNumber of ADUs (FNM)\n"}
diff --git a/chunks/json/566f36d1fc9c1abb6f78e92bd53c470c42e17356aee7d3ec7feebb26e0292e01.json b/chunks/json/566f36d1fc9c1abb6f78e92bd53c470c42e17356aee7d3ec7feebb26e0292e01.json
new file mode 100644
index 0000000000000000000000000000000000000000..a436426b7a9d6091e79a03d1bad3bcb692aa5b76
--- /dev/null
+++ b/chunks/json/566f36d1fc9c1abb6f78e92bd53c470c42e17356aee7d3ec7feebb26e0292e01.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6474,"char_start":4852,"chunk_id":"chk_8f7ed5eb048b19fe","chunk_index":3,"chunk_sha256":"566f36d1fc9c1abb6f78e92bd53c470c42e17356aee7d3ec7feebb26e0292e01","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_f05286f76b764a18","text_sha256":"566f36d1fc9c1abb6f78e92bd53c470c42e17356aee7d3ec7feebb26e0292e01","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/earlycheck-release-notes-2023.pdf"]},"text":"•\n\n2 new edits with a severity of Warning\n\n•\n\n7 new edits with severity Fatal\n\n•\n\n•\n\n•\n\n•\n\n•\n\n11 edits with changing severity from\nWarning-to-Fatal to Fatal\n\n3 new edits with a severity of Warning-to-\nFatal\n\n9 edits with changing severity from\n\n© 2024 Fannie Mae\n\nNovember 2023\n\nEffective\nDate\n\nImpacted\nArea\n\nVersion\n\nDescription\n\nNov 1\n\n7.6.7\n\nSelling Guide Announcement SEL-2023-09: Selling Guide\nUpdates and DU V. 11.1 Release I Nov. 18, 2023\n release notes clarified requirements for loans eligible for\nvalue acceptance + property data. Lenders must receive\nthe Desktop Underwriter® (DU®) message stating that\nFannie Mae has received the property data collection (DU\nmessage ID 3713) on the last DU submission.\n\nA new delivery edit D323 will fire in Loan Delivery and\nEarlyCheck™ if a loan is delivered with SFC 774 and the\nassociated loan casefile did not receive DU message ID\n3713 on the last DU submission.  This edit will be warning\nfrom November 1 through November 30, 2023, to allow\nlenders the opportunity to make any needed updates to\nprocesses. Edit D323 will be moved to fatal severity on\nDecember 1, 2023.\n\nNov 17\n\nLTV Ratios\n\n7.6.7\n\nEffective November 17, 2023, EarlyCheck will update\neligibility criteria to reflect expanded access to credit and\nprovide support for affordable rental housing, the\nmaximum allowable LTV, CLTV, and HCLTV ratios for two-\nto four-unit, principal residence, purchase and limited\ncash-out transactions will be updated to 95%. This\nchange will not apply to high-\nbalance mortgage loans and loans that are manually under\nwritten.\n\nFile\nType\n\nImpact\n\nWarning-to-Fatal to Fatal\n"}
diff --git a/chunks/json/567005311034101a3678187314e00013829d6401f0c21970b8378a5a3f960e78.json b/chunks/json/567005311034101a3678187314e00013829d6401f0c21970b8378a5a3f960e78.json
new file mode 100644
index 0000000000000000000000000000000000000000..f2c0454f23f60b3a9fc6ddfebfa7223a6f37a424
--- /dev/null
+++ b/chunks/json/567005311034101a3678187314e00013829d6401f0c21970b8378a5a3f960e78.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1601,"char_start":0,"chunk_id":"chk_439ac8ddabd0a2ee","chunk_index":0,"chunk_sha256":"567005311034101a3678187314e00013829d6401f0c21970b8378a5a3f960e78","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_f77a7012f55d0780","text_sha256":"567005311034101a3678187314e00013829d6401f0c21970b8378a5a3f960e78","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/uad-lender-readiness-questionnaire.pdf"]},"text":"Limited Production Period: Lender Readiness Questionnaire\n\nThe Lender Readiness Questionnaire must be completed by lenders who would like to obtain approval to submit the\nredesigned Uniform Residential Appraisal Report (URAR) using the new UAD Specification MISMO V3.6 during the\nLimited Production Period. Please complete the questionnaire and submit to UAD@FreddieMac.com,\nUAD_Info@FannieMae.com and copy both of your GSE account representatives.\n\nN O T E : The Limited Production Period will begin Sept. 8, 2025, and runs through Jan 25, 2026\n\n1. Organization\n\nCompany Name: ____________________________________________________________________\n\nContact Name/Title: __________________________________________________________________\n\nEmail Address: ______________________________________________________________________\n\nRequested Start Date for Limited Production Period:_________________________________________\n\nMy organization uses a proprietary loan origination system (LOS)\n\nYes\n\nNo\n\nIf “NO” please list software product(s) used:\n\n___________________________________________________________________________________\n\nWill you be submitting to both GSEs (note, this is not a requirement.)? If yes, select both GSE boxes.\n\nFannie Mae\n\nFreddie Mac\n\nFannie Mae Seller #(s)_________________\n\nFreddie Mac Seller #(s)___________________\n\n2. Operational Readiness\n\n1. Policy and Process Documentation: My organization has updated, created, and communicated the policy and\n\nprocess documentation to support my organization’s implementation of the redesigned URAR and updated UAD 3.6\ndataset.\n☐ Yes\n\n☐ No\n"}
diff --git a/chunks/json/5671994f04a1309ab0010ebb421e5e97eac4b059d1f635b07a05c471d802f81e.json b/chunks/json/5671994f04a1309ab0010ebb421e5e97eac4b059d1f635b07a05c471d802f81e.json
new file mode 100644
index 0000000000000000000000000000000000000000..b87eb3e46c689818734b9f6ed8b7eedd4329bb83
--- /dev/null
+++ b/chunks/json/5671994f04a1309ab0010ebb421e5e97eac4b059d1f635b07a05c471d802f81e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":459528,"char_start":457739,"chunk_id":"chk_8d1b3f992e668d3e","chunk_index":272,"chunk_sha256":"5671994f04a1309ab0010ebb421e5e97eac4b059d1f635b07a05c471d802f81e","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"5671994f04a1309ab0010ebb421e5e97eac4b059d1f635b07a05c471d802f81e","token_estimate":447,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"4.043-4.046).\n\nProject Factors: Commercial Space\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n18.069 Commercial\n\nSpace\n(Detail)\n\nRequired if the\nproperty is in a\ncondominium,\ncooperative, or\ncondop\n\nAllowable\nAnswers / Format\n\nYes | No\n\nDefinition / Additional Guidance\n\nCommercial Space\nSelect Yes if\n•\n•\n\nThere is commercial space in the project, or\nThe project’s building contains commercial space, even when the HOA\nrepresenting the residential owners is different from those representing\nthe commercial owners (see Example 2 below).\n\nNotes:\n•\n•\n\n•\n•\n\nIf No, “None” displays in the Commercial Space row.\nProject amenities or commercial parking facilities are not included in the\ncalculation of commercial space.\nIncludes underground space other than parking.\nReference published guidelines by the GSEs, government agencies, or\nother identified secondary market participants for specific guidance.\n\nAppendix F-1: URAR Reference Guide\n\nPage 195 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n18 Project Information\n\nProject Factors: Commercial Space\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n18.069 Commercial\n\nSpace\n(Detail)\n\nRequired if\nCommercial Space is\nYes\n\nAllowable\nAnswers / Format\n\nPercent\n\nDefinition / Additional Guidance\n\nEstimated Percentage of Commercial Space: The percentage of commercial\nspace in the project in which the subject unit is located, defined as Commercial\nSquare Footage / Square Footage of the Project Building(s)\n\nExample 1: The subject unit is in a 5-story condominium project.\n•\n\nThe first floor (10,000 square feet) contains a mixture of commercial\noffice and retail units.\nThe upper four floors (each 10,000 square feet) are all residential units.\nThe commercial, retail, and residential units are all within the subject’s\nlegal project.\n"}
diff --git a/chunks/json/56782115d66c714553afbd8f1d1a87bc0aabfd4999d8b83ed9b1a93981920880.json b/chunks/json/56782115d66c714553afbd8f1d1a87bc0aabfd4999d8b83ed9b1a93981920880.json
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index 0000000000000000000000000000000000000000..147d6cd9eccd3a2875472a3b067d8347a7ec0ff1
--- /dev/null
+++ b/chunks/json/56782115d66c714553afbd8f1d1a87bc0aabfd4999d8b83ed9b1a93981920880.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1729,"char_start":0,"chunk_id":"chk_e3437da69a057835","chunk_index":0,"chunk_sha256":"56782115d66c714553afbd8f1d1a87bc0aabfd4999d8b83ed9b1a93981920880","date_utc":"2026-01-27T17:54:28+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_13a90bed0cb17724","text_sha256":"56782115d66c714553afbd8f1d1a87bc0aabfd4999d8b83ed9b1a93981920880","token_estimate":527,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Loss_Mitigation___FHFA_zr4ime.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/programs/loss-mitigation\"\ndate_accessed: \"2026-01-27T17:54:20.509Z\"\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/5679240d32570c0d42cc741d73f58e83ee50e26b45a5442e932b94b32d0c53ff.json b/chunks/json/5679240d32570c0d42cc741d73f58e83ee50e26b45a5442e932b94b32d0c53ff.json
new file mode 100644
index 0000000000000000000000000000000000000000..bf38289c904b483d97160fc7dc5c5159286e113e
--- /dev/null
+++ b/chunks/json/5679240d32570c0d42cc741d73f58e83ee50e26b45a5442e932b94b32d0c53ff.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":24930,"char_start":24470,"chunk_id":"chk_d5588d97abc21e26","chunk_index":32,"chunk_sha256":"5679240d32570c0d42cc741d73f58e83ee50e26b45a5442e932b94b32d0c53ff","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"5679240d32570c0d42cc741d73f58e83ee50e26b45a5442e932b94b32d0c53ff","token_estimate":404,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Contact Information ................................................................................................................................................................................................................... 86\n\nAppraiser and Supervisory Appraiser ......................................................................................................................................................................................... 93\n"}
diff --git a/chunks/json/567f8dba098bb3ecea2b05c412bbcca06cac30841e9a8428c5e23003b9aa188a.json b/chunks/json/567f8dba098bb3ecea2b05c412bbcca06cac30841e9a8428c5e23003b9aa188a.json
new file mode 100644
index 0000000000000000000000000000000000000000..9e05b94f3cc16f094228e7385995d76786e1614a
--- /dev/null
+++ b/chunks/json/567f8dba098bb3ecea2b05c412bbcca06cac30841e9a8428c5e23003b9aa188a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":397457,"char_start":395853,"chunk_id":"chk_0ef5323982ef2ec0","chunk_index":235,"chunk_sha256":"567f8dba098bb3ecea2b05c412bbcca06cac30841e9a8428c5e23003b9aa188a","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"567f8dba098bb3ecea2b05c412bbcca06cac30841e9a8428c5e23003b9aa188a","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Shared 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.\nNote: This is intended to be used for properties with more than one unit that have a shared laundry area.\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nInformation About Specific Amenities\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nSubject Property Amenities – Information About Specific Amenities\n\n14.003 Material\n\nRequired if Subject\nProperty Amenity is\nBalcony, Deck,\nGazebo, Inground\nPool, Patio or Porch, or\nas needed\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nAsphalt\nBrick\nComposite\nConcrete\nFiberglass\n\nThe predominant type of material used in construction.\n•\n•\n•\n•\n•\n• Metal\n•\nNatural Stone\n•\nPavers\n•\nVinyl\n• Wood\n•\n\nOther (Describe)\n\n14.004 Detail\n\n14.004 Detail\n\nRequired if Subject\nProperty Amenity is\nIndoor Fireplace or\nWoodstove, or as\nneeded\n\nRequired if Subject\nProperty Amenity is\nBalcony, Deck,\nGazebo, Porch, or\nPortico, or as needed\n\nNumber\n\nAmenity Count: The number of the indicated Subject Property Amenity that are\npresent in the property (e.g., two fireplaces).\nNote: If reporting other Detail 14.004 about the amenity, enter each amenity\nseparately. Do not use Amenity Count.\n\nNumber of square\nfeet\n\nAmenity Area\nThe area of the amenity. Do not provide dimensions in this field.\n\nAppendix F-1: URAR Reference Guide\n\nPage 168 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n"}
diff --git a/chunks/json/56820155343937a968bc3289cee245164a194c0f66ae229467c08b62c2072988.json b/chunks/json/56820155343937a968bc3289cee245164a194c0f66ae229467c08b62c2072988.json
new file mode 100644
index 0000000000000000000000000000000000000000..25336c6dc54549ebaf8186ec10e54ecb776483c3
--- /dev/null
+++ b/chunks/json/56820155343937a968bc3289cee245164a194c0f66ae229467c08b62c2072988.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":177661,"char_start":176340,"chunk_id":"chk_f4f25e8f2f65bdf6","chunk_index":85,"chunk_sha256":"56820155343937a968bc3289cee245164a194c0f66ae229467c08b62c2072988","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"56820155343937a968bc3289cee245164a194c0f66ae229467c08b62c2072988","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"ID\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\n4.5.2 Does the loan\n\n…/LOAN_DETAIL\n\nBalloonIndicator\n\nTrue\n\nRepresented as “YES” on form\n\nhave these\nfeatures?\n\nYou will have to\npay $150,000 at\nthe end of year\n5\n\nYou will have to\npay $150,000 at\nthe end of year\n5\n\n4.5.3\n\n4.5.3\n\nc. MAPPI NG GUI DANCE\n\nBalloonPaymentAm\nount\n\n150000.00\n\nRepresented as “$150,000” on form\n\n…/MATURITY_RULE LoanMaturityPeriod\n\n60\n\nRepresented as “Year 5” on form\n\nCount\n\nLoanMaturityPeriod\nType\n\nMonth\n\nAppendix E: UCD Implementation Guide\n\nPage 78 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n4.0 Loan Terms\n\nSee V. Consolidated Mapping Guidance entry for “Terms / Time Periods.”\n\nd. FOR MORE I NFORMATI ON\n\n4.0 Ref §1026.38(b), pp. 80121, 80351; Cross reference to §1026.37(b), pp. 80114, 801121, 80333.\n\n4.1 Ref §1026.38(b), pp. 80121, 80351, 80004, 80055; Cross reference to §1026.37(b)(1), pp. 80121, 80114,\n\n79915, 79921.\n\n4.2 Ref §1026.38(b), pp. 80121; Cross reference to §1026.37(b)(2), pp. 80114, 80121, 80333-34, 79921-22,\n\n79995.\n\n4.3 Ref §1026.38(c), pp. 80121, 80004; (t)(4), p. 79921; Cross reference to §1026.37(b)(3), pp. 80114, 80121,\n\n80334, 80362, 79922-23.\n\n4.4 Ref §1026.38(b), pp. 80121; Cross reference to §1026.37(b)(4), pp. 80114, 80121, 88334-35, 79923-26.\n"}
diff --git a/chunks/json/5686b6db6389235db50a6fe97e1d07dbad9b1149a13c1e2dc7f0e4af1ed4a0f9.json b/chunks/json/5686b6db6389235db50a6fe97e1d07dbad9b1149a13c1e2dc7f0e4af1ed4a0f9.json
new file mode 100644
index 0000000000000000000000000000000000000000..f14c3100390cfca21207e99da8480cad1904c421
--- /dev/null
+++ b/chunks/json/5686b6db6389235db50a6fe97e1d07dbad9b1149a13c1e2dc7f0e4af1ed4a0f9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":22669,"char_start":20814,"chunk_id":"chk_691ebba03ef0b1bb","chunk_index":5,"chunk_sha256":"5686b6db6389235db50a6fe97e1d07dbad9b1149a13c1e2dc7f0e4af1ed4a0f9","date_utc":"2026-01-27T18:02:18+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_35d508805bb0fc2c","text_sha256":"5686b6db6389235db50a6fe97e1d07dbad9b1149a13c1e2dc7f0e4af1ed4a0f9","token_estimate":557,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/DU_Validation_Service_Verification_Report_Vendors__67newj.md"]},"text":"### **Authorized verification report**supplier**s**[]()\n\nThese companies have entered into an agreement with Fannie Mae to participate in the DU validation service. They generate the report and send the report data electronically to the DU validation service.\n\n###\n\nIncome and Employment Verification Reports\n\n[Argyle](https://argyle.com/industries/mortgage/)\n\n[Blend Income](https://blend.com/products/features/income-verification/)\n\n[Equifax](https://www.equifax.com/business/mortgage)\n\n[Experian](https://www.experian.com/mortgage/mortgage-employment-verification)\n\n[Finicity, a Mastercard Company](https://www.finicity.com/mortgage)\n\n[Truework](http://www.truework.com/)\n\n[Truv](https://truv.com/)\n\nAsset Verification Reports\n\n[AccountChek by Informative Research*](https://www.informativeresearch.com/accountchek/) [Blend Labs](https://www.blend.com/) [Finicity, a Mastercard Company*](https://www.finicity.com/mortgage/) [Plaid](https://plaid.com/industries/mortgage/) [FinLocker](https://www.finlocker.com/) [PointServ*](https://www.pointserv.com/) [Truv*](https://truv.com/) *Provides supplemental asset verification reports\n\nTax Transcript Reports\n\n[4506-Transcripts.com](https://www.privateeyesbackgroundchecks.com/) [Equifax](https://www.equifax.com/business/mortgage) [PointServ](https://www.pointserv.com/) [Advanced Data](https://www.advanceddata.com/) [Halcyon](https://www.halcyonsw.com/) [SharperLending LLC](https://www.sharperlending.com/) [Avantus Corp.](https://xactus.com/) [MeridianLink, Inc.](https://www.meridianlink.com/) [Veri-Tax](https://veri-tax.com/partners/fannie-mae-day-1-certainty/) [CoreLogic](https://www.corelogic.com/) [NCS (National Credit-reporting System, Inc.)](https://www.ncstrv.com/) [DataVerify](https://www.dataverify.com/) [Partners Credit & Verification Solutions](https://www.partnerscredit.com/)\n"}
diff --git a/chunks/json/568d222f2bfcd19a5c4becf8ceaea42bcda2933e6ea4213d45e417d701cd97a3.json b/chunks/json/568d222f2bfcd19a5c4becf8ceaea42bcda2933e6ea4213d45e417d701cd97a3.json
new file mode 100644
index 0000000000000000000000000000000000000000..055f2b26ab853089fbb1705d04994660be85190f
--- /dev/null
+++ b/chunks/json/568d222f2bfcd19a5c4becf8ceaea42bcda2933e6ea4213d45e417d701cd97a3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":29751,"char_start":28233,"chunk_id":"chk_b8b7eba112fb04ce","chunk_index":17,"chunk_sha256":"568d222f2bfcd19a5c4becf8ceaea42bcda2933e6ea4213d45e417d701cd97a3","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"568d222f2bfcd19a5c4becf8ceaea42bcda2933e6ea4213d45e417d701cd97a3","token_estimate":400,"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":"$257,500\n\nSettled Sale\n\n—\n\n$249,750\n\n$0\n\n$0\n\n$0\n\nMineral Rights\n\nMineral Rights\n\nMineral Rights\n\nMineral Rights\n\n11,997 Sq. Ft.\n\n11,965 Sq. Ft.\n\n$0\n\n43,560 Sq. Ft.\n\n$(15,000)\n\n43,560 Sq. Ft.\n\n$(15,000)\n\nHawaiian Vista\n\nHawaiian Parks\n\n$0 Ocean Vista Park\n\n$0 Ocean Vista Park\n\nLegal Nonconforming\n\nLegal\n\n$0\n\nLegal\n\n$0\n\n$0\n\n$(15,000)\n\n$0\n\n$0\n\nHazard Zone\n\nUSGS Lava Flow Zone 2\n\nNone\n\nLandscaping\n\n$(2,000)\n\nNone\n\nUSGS Lava\nFlow Zone 3\n\n$(15,000)\n\nUSGS Lava\nFlow Zone 3\n\nNone\n\nBusy Roadway\n\nBusy Roadway\n| Ocean\n\n$(25,000)\n\nResidential\n\n$(5,000)\n\nResidential\n\n$(5,000)\n\nResidential | Full\n\nResidential | Full\n\nResidential | Full\n\nResidential | Full\n\nLegal\nNonconforming\n\nUSGS Lava\nFlow Zone 2\n\n1985 | 1985\n\n2005 | 1992\n\n$(5,000)\n\n1946 | 1940\n\n$10,000\n\n1992\n\nGross Building Finished Area\n\n1,728 Sq. Ft.\n\n2,790 Sq. Ft.\n\n$0\n\n1,288 Sq. Ft.\n\n$0\n\n1,456 Sq. Ft.\n\nDisaster Mitigation\n\nImpact Resistant Glass\n\nImpact Resistant\nGlass\n\nNone\n\n$5,000\n\nHeating\n\nUnit(s)\n\nNone\n\nNone\n\nNone\n\nImpact Resistant\nGlass\n\nNone\n\nStructure ID | Unit ID\n\nBuilding 1 | Unit 1\n\nBuilding 1 | Unit 1\n\nBuilding 1 | Unit 1\n\nBuilding 1 | Unit 1\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above\nGrade\n\n2\n\n1 | 0\n\n2\n\n1 | 0\n\n3\n\n1 | 0\n\n$0\n\n2\n\n1 | 0\n\n864 Sq. Ft.\n\n864 Sq. Ft.\n\n612 Sq. Ft.\n\n$8,800\n\n728 Sq. Ft.\n\n$4,750\n\nFinished Area Below Grade\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\nStructure ID | Unit ID\n\nBuilding 2 | Unit 2\n\nBuilding 2 | Unit 2\n\nBuilding 2 | Unit 2\n\nBuilding 1 | Unit 2\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above\nGrade\n"}
diff --git a/chunks/json/568f739241935cd19664f3b575a921a44beee7bdc5dd6ae6f212d6f7e89aad8e.json b/chunks/json/568f739241935cd19664f3b575a921a44beee7bdc5dd6ae6f212d6f7e89aad8e.json
new file mode 100644
index 0000000000000000000000000000000000000000..0a7f4c10a7ee74e902a351c7969f503fc0086f1e
--- /dev/null
+++ b/chunks/json/568f739241935cd19664f3b575a921a44beee7bdc5dd6ae6f212d6f7e89aad8e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3331,"char_start":1732,"chunk_id":"chk_7b73f01b9aeebd99","chunk_index":1,"chunk_sha256":"568f739241935cd19664f3b575a921a44beee7bdc5dd6ae6f212d6f7e89aad8e","date_utc":"2026-01-27T17:46:22+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05d183e5699441f8","text_sha256":"568f739241935cd19664f3b575a921a44beee7bdc5dd6ae6f212d6f7e89aad8e","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/uad-limited-production-readiness-overview.pdf"]},"text":"• Reduce revisions – appraisers can check UAD 3.6 compliance rules with each GSE within their appraisal\nsoftware before sending you the appraisal report, reducing the need to send revisions back and forth.\n\nIn addition, as an early adopter you’ll receive hands-on, high-touch support from each GSE while you transition to\nUAD 3.6 and the redesigned URAR with your vendors and appraisers.\n\nWhen does the Limited Production Period Start?\n\nThe Limited Production Period begins on September 8, 2025, and runs through January 25, 2026. Lenders may\ncomplete the Questionnaire at any time before or during the Limited Production Period; there is no deadline to join\nthe Limited Production Period.\n\nLimited Production Period Requirements\n\nWhat is required to participate in the Limited Production Period?\n\nThe most important thing is being ready. It’s imperative that you, your vendors, and appraisal management\ncompanies/appraisers are ready to use UAD 3.6 and URAR.\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\n1 of 3\n\nHere’s a list of things to help ensure readiness:\n\n• Review the Lender Readiness Kit. Make sure you’ve thought of the potential impacts to your business and\n\nhave addressed them.\n\nImplement necessary operational changes to account for new processes.\n\n•\n• Use the industry training to make sure your staff are educated about UAD 3.6 and the redesigned URAR\n\nand are ready to use them.\n"}
diff --git a/chunks/json/569d66000473d5f467b71563c413f517b1227670e2542dd51b2495bb162aa746.json b/chunks/json/569d66000473d5f467b71563c413f517b1227670e2542dd51b2495bb162aa746.json
new file mode 100644
index 0000000000000000000000000000000000000000..b14b10b48ed094009776b2e8c681a7c544752065
--- /dev/null
+++ b/chunks/json/569d66000473d5f467b71563c413f517b1227670e2542dd51b2495bb162aa746.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":4947,"char_start":3602,"chunk_id":"chk_61f7138409a900bf","chunk_index":2,"chunk_sha256":"569d66000473d5f467b71563c413f517b1227670e2542dd51b2495bb162aa746","date_utc":"2026-01-27T18:02:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1e4a2518ab3beaf3","text_sha256":"569d66000473d5f467b71563c413f517b1227670e2542dd51b2495bb162aa746","token_estimate":336,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-integration-impact-memo-nov-18-2023.pdf"]},"text":"Integrated systems that parse the DocumentationLevelCodes attribute returned in the DU Codified Findings (XML file) will require\nupdates to support the new codes.\n\nParent Element\n\nAttribute Name\n\nValue\n\nDescription\n\nDocumentationLevelCodes RequiredDocumentationLevelCode 304\n\nOne-year personal tax returns\n\nDocumentationLevelCodes RequiredDocumentationLevelCode 355\n\nOne-year business tax returns\n\nDocumentationLevelCodes RequiredDocumentationLevelCode 356\n\nTwo-year business tax returns\n\nRelease Support\n\nThe DU Version 11.1 Nov. Update will be implemented in the DU integration environment on or around Oct. 25, 2023.\n\nAs required by the Integration Agreement, integrated vendors’ systems must be able to support any changes to Fannie Mae\nServices no later than 120 days after the date the related Specifications are made available. If your product or interface is unable\nto support the release in accordance with this timeline, please notify your Fannie Mae representative. Note: There are no changes\nto the DU Specification for this release.\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 DU page or contact your Fannie Mae\nrepresentative.\n\n© 2023 Fannie Mae 10.4.23\n\n2 of 2\n"}
diff --git a/chunks/json/56a137bd8c88066dbc8f75034fb2a2969a8174ca0d86a69bc8c2b8022315bd6b.json b/chunks/json/56a137bd8c88066dbc8f75034fb2a2969a8174ca0d86a69bc8c2b8022315bd6b.json
new file mode 100644
index 0000000000000000000000000000000000000000..2c4645bff8a4a1f54983d88eeef262ec4bc46e37
--- /dev/null
+++ b/chunks/json/56a137bd8c88066dbc8f75034fb2a2969a8174ca0d86a69bc8c2b8022315bd6b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1816,"char_start":0,"chunk_id":"chk_a2bacea3bd9e921c","chunk_index":0,"chunk_sha256":"56a137bd8c88066dbc8f75034fb2a2969a8174ca0d86a69bc8c2b8022315bd6b","date_utc":"2026-01-27T18:02:28+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4aa9c5ce84c3a0ef","text_sha256":"56a137bd8c88066dbc8f75034fb2a2969a8174ca0d86a69bc8c2b8022315bd6b","token_estimate":454,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uad-compliance-api-early-access.pdf"]},"text":"UAD Compliance API Early Access\n\nMarch 29, 2024\n\nIn support of the Uniform Appraisal Dataset (UAD) and Forms Redesign initiative, Fannie Mae and Freddie Mac (the\nGSEs) have each developed a new UAD Compliance application programming interface (API).\n\nThe GSEs’ APIs will help ensure users meet compliance with the UAD v3.6 specification and provide efficiency in the\nappraisal process while reducing the need for appraisal resubmissions to UCDP. It does this by validating the UAD v3.6\nappraisal XML against the UAD v3.6 Compliance Rules, which can be accessed here, prior to submission to the Uniform\nCollateral Data Portal® (UCDP®). The API will validate that the XML is well-formed, will perform a UAD v3.6 schema\nvalidation, and will verify required-ness, data type, and format.\n\nWe’re providing you with early access to each GSE’s API so that you can integrate and test your connectivity to it. We’ll\nprovide sample test cases as part of the onboarding process so that you may validate your UAD v3.6 appraisal XML\nbuild prior to introducing it to the market when the new UAD is made broadly available to the industry in 2026.\n\nIf you are interested in an integration to the UAD compliance API, please complete the Vendor Integration\nProfile Form through the link below. Once you are ready, follow the instructions at the bottom of the form to\nsubmit the request to integrate. We will review your information and contact you with next steps including\ncontractual requirements and credential-setup to access our API Developer Portal.\n\nVendor Integration Profile Form\n\nNote: On page 3 of the form, select “API Access” and then input “UAD Compliance API” in the next question. This form is\nused for integration requests to many Fannie Mae solutions, so leave blank any fields that are not relevant to your\nbusiness.\n"}
diff --git a/chunks/json/56b9f1d45fb15451b0736a2949002982a362d98127bee52878b00c908a9c03e9.json b/chunks/json/56b9f1d45fb15451b0736a2949002982a362d98127bee52878b00c908a9c03e9.json
new file mode 100644
index 0000000000000000000000000000000000000000..7fff5d58d48ff866f32df7f2084b01777f7546aa
--- /dev/null
+++ b/chunks/json/56b9f1d45fb15451b0736a2949002982a362d98127bee52878b00c908a9c03e9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13618,"char_start":12045,"chunk_id":"chk_0df20d9d696112c4","chunk_index":6,"chunk_sha256":"56b9f1d45fb15451b0736a2949002982a362d98127bee52878b00c908a9c03e9","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4580f1573ff8d25b","text_sha256":"56b9f1d45fb15451b0736a2949002982a362d98127bee52878b00c908a9c03e9","token_estimate":521,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Suspended_Counterparty_Program___FHFA_jjvnra.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=20)\n\nIf you have questions about the Suspended Counterparty Program generally, or about a specific action listed below, please direct your inquiry to the following address: [SuspendedCounterpartyProgram@fhfa.gov](mailto:SuspendedCounterpartyProgram@fhfa.gov).\n\nLast updated on January 20, 2026\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/56c0d27a247e2113e36032db1e628414e524ee6523a8f9d66df2ef582497b2ee.json b/chunks/json/56c0d27a247e2113e36032db1e628414e524ee6523a8f9d66df2ef582497b2ee.json
new file mode 100644
index 0000000000000000000000000000000000000000..c00595f0e0ce930de4cebcca771ee511d1dc3ee7
--- /dev/null
+++ b/chunks/json/56c0d27a247e2113e36032db1e628414e524ee6523a8f9d66df2ef582497b2ee.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":62745,"char_start":61144,"chunk_id":"chk_69389bcfe119221b","chunk_index":34,"chunk_sha256":"56c0d27a247e2113e36032db1e628414e524ee6523a8f9d66df2ef582497b2ee","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"56c0d27a247e2113e36032db1e628414e524ee6523a8f9d66df2ef582497b2ee","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"This section does not have any\nimages associated with it.\n\nGraph. See 17.017\n\nGraph. See 17.017\n\nGraph. See 17.017\n\nGraph. See 17.017\n\nGraph. See 17.017\n\nAppendix F-1: URAR Reference Guide\n\nPage 21 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\nIs there an Additional\nCaption\n(Free-form Text)?\n\nIs the Photo or Image\nRequired?\n\nAdditional Guidance\n\n17\n\nMarket\n(Continued)\n\nMarket Exhibits\n\nRequired for each photo or\nimage\n\n18\n\nProject\nInformation\n\nCommon Amenity or\nService\n\nObserved Deficiency\n\nProject Information\nExhibits\n\n19\n\nSubject\nListing\nInformation\n\nSubject Listing\nInformation Exhibits\n\n20\n\nSales Contract\n\nSales Contract Exhibits\n\n21\n\n22\n\nPrior Sale and\nTransfer\nHistory\n\nSales\nComparison\nApproach\n\nPrior Sale and Transfer\nHistory Exhibits\n\nProperty Photo (Subject\nand Comparables)\n\nSales Comparison Map\n\nRequired, including the\namenity type, location, and\nany other descriptive\ninformation as appropriate\nRequired, including the\nspecific deficiency, location,\nand any other descriptive\ninformation as appropriate\nRequired for each photo or\nimage\n\nRequired for each photo or\nimage\n\nRequired for each photo or\nimage\nRequired for each photo or\nimage\n\nIf additional photos of comps\nare provided, a caption\nshould be provided to further\ndescribe the photo\n\nSales Comparison\nApproach Exhibits\n\nRequired for each photo or\nimage\n\n23\n\nRental\nInformation\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"}
diff --git a/chunks/json/56c38c2dcfad62dbbe5c50e539684d35a2bbd41d4dd91184bde126c8daa3f0b9.json b/chunks/json/56c38c2dcfad62dbbe5c50e539684d35a2bbd41d4dd91184bde126c8daa3f0b9.json
new file mode 100644
index 0000000000000000000000000000000000000000..83fc0260167c98a3028494abab4eed538febe043
--- /dev/null
+++ b/chunks/json/56c38c2dcfad62dbbe5c50e539684d35a2bbd41d4dd91184bde126c8daa3f0b9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1144116,"char_start":1142064,"chunk_id":"chk_a9175d84fa553180","chunk_index":679,"chunk_sha256":"56c38c2dcfad62dbbe5c50e539684d35a2bbd41d4dd91184bde126c8daa3f0b9","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"56c38c2dcfad62dbbe5c50e539684d35a2bbd41d4dd91184bde126c8daa3f0b9","token_estimate":513,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"GSE Below Grade\nFinish Square Feet\nNumber\n\nThe total finished area of the property\nbelow grade.\n\n256\n\n2\n\ne-20\n\nSALES\nCOMPARISON\nAPPROACH\n\nBasement & Finished\n(line 1)\n\n(Basement Exit Type)\n\nGSE Basement Exit\nType\n\nThe type of exit for a basement.\nDescribes how the basement can be\naccessed.\n\n257\n\n2\n\ne-21\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\n(line 2)\n\n(Below Grade Rec Room Count)\n\nGSE Below Grade\nRecreation Room\nCount\n\nThe number of recreation rooms below\ngrade.\n\n258\n\n2\n\ne-22\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\n(line 2)\n\n(Below Grade Bedroom Count)\n\nGSE Below Grade\nBedroom Room\nCount\n\nThe number of bedrooms below grade.\n\n259\n\n2\n\ne-23\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\n(line 2)\n\n(Below Grade Bathroom Count)\n\nGSE Below Grade\nBathroom Room\nCount\n\nThe number of bathrooms below grade.\n\n260\n\n2\n\ne-24\n\nSALES\nCOMPARISON\nAPPROACH\n\n(Below Grade Other Room\nCount)\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\nRooms Below Grade\n(line 2)\n\n261\n\n262\n\n263\n\n264\n\n2\n\n2\n\n2\n\n2\n\n34\n\n35\n\n36\n\n37\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nFunctional Utility\n\nHeating/Cooling\n\nEnergy Efficient Items\n\nGarage/Carport\n\nSale Price\nAdjustment\nDescription\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.)\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.)\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.)\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/56c496a5b3f791b4b32e43f5db8d17efee9e0013a009791750bd31ed69f6381b.json b/chunks/json/56c496a5b3f791b4b32e43f5db8d17efee9e0013a009791750bd31ed69f6381b.json
new file mode 100644
index 0000000000000000000000000000000000000000..081ed55f772a812015f2b5b4e1ef893572769feb
--- /dev/null
+++ b/chunks/json/56c496a5b3f791b4b32e43f5db8d17efee9e0013a009791750bd31ed69f6381b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":105375,"char_start":103756,"chunk_id":"chk_032f512206017df1","chunk_index":59,"chunk_sha256":"56c496a5b3f791b4b32e43f5db8d17efee9e0013a009791750bd31ed69f6381b","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"56c496a5b3f791b4b32e43f5db8d17efee9e0013a009791750bd31ed69f6381b","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":"Note: Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are\nnecessary for costs that are normally paid by sellers as a result of tradition or law in a market area; these costs are readily\nidentifiable because the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be\nmade to the comparable property by comparisons to financing terms offered by a third-party institutional lender that is not\nalready involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar-for-dollar cost of\nthe financing or concession, but the dollar amount of any adjustment should approximate the market’s reaction to the financing\nor concessions.\n\nAlternate Opinion(s) of Value\n\nAt times, the lender may need the appraiser to provide an alternate opinion of value. These situations include but are not limited\nto a quick sale (liquidation) value, resale restrictions (e.g., affordable housing units), or a loan program that requires a “subject\nto” and “as is” value. Each alternate opinion of value must be completed in accordance with USPAP and reported within the\nClient Requested Conditions subsection within the Reconciliation section of the URAR. For more information see SB4-1.3-11,\nValuation Analysis and Reconciliation.\n\nWhen providing an alternate opinion of value, the appraiser must identify the corresponding value condition, marketing or\nexposure time, and duration. In addition, the appraiser must explain, support, and reconcile their alternate value opinion in the\n"}
diff --git a/chunks/json/56c59cc9d24da1b4f6631ef9fbcc8033016b0e48b835e8a8444db48b5c35d236.json b/chunks/json/56c59cc9d24da1b4f6631ef9fbcc8033016b0e48b835e8a8444db48b5c35d236.json
new file mode 100644
index 0000000000000000000000000000000000000000..c46a0fca6aaf8ba246c3bdd4e27ea1a76bed405a
--- /dev/null
+++ b/chunks/json/56c59cc9d24da1b4f6631ef9fbcc8033016b0e48b835e8a8444db48b5c35d236.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":32668,"char_start":31025,"chunk_id":"chk_8d8b9b61f0439ebf","chunk_index":17,"chunk_sha256":"56c59cc9d24da1b4f6631ef9fbcc8033016b0e48b835e8a8444db48b5c35d236","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5c0b0ee89f21d117","text_sha256":"56c59cc9d24da1b4f6631ef9fbcc8033016b0e48b835e8a8444db48b5c35d236","token_estimate":410,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004_70.pdf"]},"text":"ADDRESS OF PROPERTY APPRAISED\n19 ___________________________________________________\n20a, 20b, 20c __________________________________________\nAPPRAISED VALUE OF SUBJECT PROPERTY $ 21 __________\n\nLENDER/CLIENT\nName 22 _____________________________________________\nCompany Name 23 _____________________________________\nCompany Address 24____________________________________\n ______________________________________\nEmail Address 26 _______________________________________\n\nSUPERVISORY APPRAISER (ONLY IF REQUIRED)\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\n\nDid not inspect subject property\n38\n39\n Did inspect exterior of subject property from street\n\nDate of Inspection 40 ______________________________\n\nDid inspect interior and exterior of subject property\n41\n\nDate of Inspection 42 ______________________________\n\nCOMPARABLE SALES\n\nDid 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"}
diff --git a/chunks/json/56cf210c618eb9b36f6d0b8e693f94cf1e066db775be318d5f78a1b77a3388ff.json b/chunks/json/56cf210c618eb9b36f6d0b8e693f94cf1e066db775be318d5f78a1b77a3388ff.json
new file mode 100644
index 0000000000000000000000000000000000000000..9359664eba1beaf751f184e1e073e3c9288c7cd5
--- /dev/null
+++ b/chunks/json/56cf210c618eb9b36f6d0b8e693f94cf1e066db775be318d5f78a1b77a3388ff.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":442642,"char_start":440720,"chunk_id":"chk_8cf2f5a4cf974a0f","chunk_index":259,"chunk_sha256":"56cf210c618eb9b36f6d0b8e693f94cf1e066db775be318d5f78a1b77a3388ff","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"56cf210c618eb9b36f6d0b8e693f94cf1e066db775be318d5f78a1b77a3388ff","token_estimate":481,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Boolean\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='\nAdverseSiteConditions']/@_Comment\n\n4000\n\nString\n\nThis field should describe adverse site conditions, etc.\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\n127\n\n128\n\n129\n\n130\n\n131\n\n132\n\n133\n\n134\n\n135\n\n136\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\nIf an Alley exists, at least one of fields\n1-118, 1-119 (values of Property Off\nSite Improvement Ownership Typ)e\nshould be indicated.\n\nIf an Alley exists, at least one of fields\n1-118, 1-119 (values of Property Off\nSite Improvement Ownership Typ)e\nshould be indicated.\n\nOne and only one of fields 1-120, 1-\n121 (values of GSE Special Flood\nHazard Area Indicator) should be\nindicated.\n\nOne and only one value of fields 1-120,\n1-121 (values of GSE Special Flood\nHazard Area Indicator) should be\nindicated.\n\nThis field should be populated if a\nFEMA map exists for the area.\n\nIf field 1-122 (GSE NFIP Flood Zone\nIdentifier) has a value that does not\nequal 'None', this field should be\npopulated.\n\nIf field 1-122 (GSE NFIP Flood Zone\nIdentifier) has a value that does not\nequal 'None' then it should be\npopulated.\n\nOne and only one of fields 1-125, 1-\n126 (values of Property Analysis Exists\nIndicator and Property Analysis Type =\n'UtilitiesAndOffSiteImprovementsConf\normToNeighborhood') should be\nindicated\nOne and only one of fields 1-125, 1-\n126 (values of Property Analysis Exists\nIndicator and Property Analysis Type =\n'UtilitiesAndOffSiteImprovementsConf\normToNeighborhood') should be\nindicated\nIf field 1-126 (Property Analysis Exists\nIndicator = 'N' and Property Analysis\nType =\n'UtilitiesAndOffSiteImprovementsConf\normToNeighborhood') is indicated, this\nfield should be populated.\n"}
diff --git a/chunks/json/56e77794aafbdd0f7fb3bf7b4fccc07a5acd11c48a5286db772d662d75963faa.json b/chunks/json/56e77794aafbdd0f7fb3bf7b4fccc07a5acd11c48a5286db772d662d75963faa.json
new file mode 100644
index 0000000000000000000000000000000000000000..47890a8aa8effb5149e05c633a39ecd8e8a21ece
--- /dev/null
+++ b/chunks/json/56e77794aafbdd0f7fb3bf7b4fccc07a5acd11c48a5286db772d662d75963faa.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":36819,"char_start":34269,"chunk_id":"chk_1fcfbf40dce5322f","chunk_index":21,"chunk_sha256":"56e77794aafbdd0f7fb3bf7b4fccc07a5acd11c48a5286db772d662d75963faa","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"56e77794aafbdd0f7fb3bf7b4fccc07a5acd11c48a5286db772d662d75963faa","token_estimate":638,"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":"300 Sq. Ft.\n\n$0\n\n$0\n\n$0\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nQuality\n\nExterior Walls and Trim\n\nFoundation\n\nRoof\n\nCondition\n\nInterior Quality and Condition\n\nQuality\n\nKitchen\n\nQ3\n\nCement Board\n\nBasement\n\nComposition\n\nC1\n\nQ3\n\nQ3\n\nCement Board\n\nBasement\n\nComposition\n\nC1\n\nQ3\n\nCommercial Grade\nAppliances\n\nCommercial Grade\nAppliances\n\nOverall Bathrooms\n\nMixture of Tile and Granite\n\nMixture of Tile and Granite\n\nOverall Flooring\n\nNylon Short Loop and\nEngineered Wood\n\nNylon Short Loop and\nEngineered Wood\n\nWalls and Ceiling\n\n9 Ft. and 10 Ft. | Custom\n\n9 Ft. | Custom\n\nCondition\n\nC1\n\nC1\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQuality\n\nCondition\n\nProperty Amenities\n\nOutdoor Living\n\nQ3\n\nC1\n\nQ3\n\nC1\n\nWhole Home\n\nIndoor Fireplace - 2\n\nPatio | Porch\n\n$(2,000)\n\nDeck | Patio\n| Porch\n\nIndoor\nFireplace - 2\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\nDriveway | 4 | Asphalt\nGarage | 3 | Attached 626 Sq. Ft.\n\nDriveway | 4 | Asphalt\nGarage | 3 | Attached\n\n$895,000\n\n$895,000\n\n$915,000\n\n—\n\n—\n\n$(2,000)\n\n$590\n\n$913,000\n\nMost\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$900,000\n\nReconciliation of Sales Comparison Approach\n\nAll comparable properties used in this appraisal are considered to be similar in style, function, and utility as all are site condo properties similar\nin design style. All comparable properties are considered to be reasonable indicators of value. Comparable #3 is a recent new construction\nsale of a model match property which is located in the same project and has been constructed by the same builder as the subject property.\nComparable #3 is the closed sale which is most similar to the subject and has been given most weight. Comparable sales #1 and #2 are similar\nsite condo properties that are similar in design style. Both transactions show support for market acceptance of site condo properties from\nmultiple builders within the market. Comparable #4 is an active listing and is very similar to the subject property. While comparable sales #1\nand #2 are reasonable indicators of value as they have many similarities when compared to the subject, comparable properties #3 and #4 are\nstrong indicators of value and were given most consideration due to the vast amount of similarities, very few differences, being located in the\nsame development and constructed by the same builder as the subject property.\n"}
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diff --git a/chunks/json/56f9221b2f6e76a705383cf78c8a154d782de6557c8b332e53606b2e1f233c3b.json b/chunks/json/56f9221b2f6e76a705383cf78c8a154d782de6557c8b332e53606b2e1f233c3b.json
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+{"chunk":{"char_end":6901,"char_start":5261,"chunk_id":"chk_5391c5115437220b","chunk_index":3,"chunk_sha256":"56f9221b2f6e76a705383cf78c8a154d782de6557c8b332e53606b2e1f233c3b","date_utc":"2026-01-27T17:46:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5242e4bddac7e14d","text_sha256":"56f9221b2f6e76a705383cf78c8a154d782de6557c8b332e53606b2e1f233c3b","token_estimate":410,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/condition-and-quality-rating-definitions-pdf.pdf"]},"text":"\n\n\nCondition and Quality Rating Definitions\n\nPage 3 of 5\n\nVersion 1.0\n\nUniform Appraisal Dataset\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\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 is an individually designed,\none‐of‐a‐kind structure built to exacting\nstandards. Q1 features exceptional\nquality materials and luxury amenities,\nand exhibits the highest quality of\nworkmanship and complexity in\narchitectural design. The dwelling\nfeatures a high degree of refinement\nand ornamentation that requires\nspecialized construction or installation.\nA Q1 dwelling is recognized as being\nvery rare or even non‐existent in some\ncommunities.\n\nThe dwelling is a high‐quality structure,\noften using customized or complex,\ncommercially available plans. The\nmaterials and amenities have extended\nlife expectancy, high energy efficiency,\nand greater detail, ornamentation, or\ncustom finishes. A Q2 dwelling can\ncontain a mixture of upgraded, high‐end\nand luxury materials, constructed with\nhigh‐quality workmanship.\n"}
diff --git a/chunks/json/56fd3895b150f446d19894555a665a0c3b2b3b959c946080587eb0f87f02f7d9.json b/chunks/json/56fd3895b150f446d19894555a665a0c3b2b3b959c946080587eb0f87f02f7d9.json
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+++ b/chunks/json/56fd3895b150f446d19894555a665a0c3b2b3b959c946080587eb0f87f02f7d9.json
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+{"chunk":{"char_end":9316,"char_start":7092,"chunk_id":"chk_fcfbecf83430ca8a","chunk_index":4,"chunk_sha256":"56fd3895b150f446d19894555a665a0c3b2b3b959c946080587eb0f87f02f7d9","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_93274c1ae641603b","text_sha256":"56fd3895b150f446d19894555a665a0c3b2b3b959c946080587eb0f87f02f7d9","token_estimate":554,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Single_Family_Guarantee_Fees_Report___U_S__FEDERAL_88840q.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# Single-Family Guarantee Fees Report\n\n## Breadcrumb\n\n- [Home](/)\n - [Reports](/reports)\n - Single-Family Guarantee Fees Report\n\nSection 1601 of the Housing and Economic Recovery Act of 2008 (HERA) requires the Federal Housing Finance Agency (FHFA) to conduct an ongoing study of the guarantee fees charged by Fannie Mae and Freddie Mac (the Enterprises) for guaranteeing a mortgage. HERA further requires that FHFA annually submit a report to Congress on the results of its guarantee-fee study. HERA requires the report to contain an analysis of the average guarantee fee and a breakdown by product type, risk class, and seller size. Finally, HERA requires that the report reflect an analysis of the costs associated with providing guarantees and an analysis of any increase or decrease in guarantee fees from the preceding year. In this report, FHFA identifies and analyzes annual single-family guarantee fees charged by the Enterprises. This report presents yearly changes in the Enterprises’ guarantee fees with the preceding year.\n"}
diff --git a/chunks/json/5702b0ac87bcda49e6d64e94f7406a04cf488c9732c4e580f1097eba797378ed.json b/chunks/json/5702b0ac87bcda49e6d64e94f7406a04cf488c9732c4e580f1097eba797378ed.json
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index 0000000000000000000000000000000000000000..94a5262106f31187de75999f127980d24f4a941e
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+{"chunk":{"char_end":6746162,"char_start":0,"chunk_id":"chk_8d28a2e66d97b1d2","chunk_index":0,"chunk_sha256":"5702b0ac87bcda49e6d64e94f7406a04cf488c9732c4e580f1097eba797378ed","date_utc":"2026-01-27T18:12:54+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_6944a87e6ccdd96f","text_sha256":"5702b0ac87bcda49e6d64e94f7406a04cf488c9732c4e580f1097eba797378ed","token_estimate":1000,"warnings":["source_path=Public_Use_Database___FHFA/links/2024_pudb_sf_nfc/2024_PUDB_SF_NFC/2024_pudb_sf_nfc_fhlmc.csv"]},"text":"enterprise: 2 | record_num_sf_nfc: 20000001 | tract_minority_cat: 3 | tract_income_cat: 2 | income_cat: 3 | ltv_cat: 4 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 4 | product: 1 | purchase_price: 718000 | rate_orig_cat: 9 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000\nenterprise: 2 | record_num_sf_nfc: 20000002 | tract_minority_cat: 3 | tract_income_cat: 3 | income_cat: 3 | ltv_cat: 4 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 4 | product: 1 | purchase_price: 641000 | rate_orig_cat: 9 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000\nenterprise: 2 | record_num_sf_nfc: 20000003 | tract_minority_cat: 3 | tract_income_cat: 2 | income_cat: 1 | ltv_cat: 2 | purpose_sf_nfc: 2 | fed_guarantee_sf_nfc: 1 | score_cat: 4 | product: 1 | purchase_price: 90000 | rate_orig_cat: 8 | term_orig_cat: 2 | term_amort_cat: 2 | portfolio: 1 | repurchased_pct: 0.0000\nenterprise: 2 | record_num_sf_nfc: 20000004 | tract_minority_cat: 1 | tract_income_cat: 2 | income_cat: 3 | ltv_cat: 4 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 4 | product: 1 | purchase_price: 495000 | rate_orig_cat: 9 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000\nenterprise: 2 | record_num_sf_nfc: 20000005 | tract_minority_cat: 3 | tract_income_cat: 2 | income_cat: 2 | ltv_cat: 2 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 5 | product: 1 | purchase_price: 351000 | rate_orig_cat: 10 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000\nenterprise: 2 | record_num_sf_nfc: 20000006 | tract_minority_cat: 2 | tract_income_cat: 2 | income_cat: 3 | ltv_cat: 2 | purpose_sf_nfc: 2 | fed_guarantee_sf_nfc: 1 | score_cat: 4 | product: 1 | purchase_price: 215000 | rate_orig_cat: 9 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 2 | repurchased_pct: 1.0000\nenterprise: 2 | record_num_sf_nfc: 20000007 | tract_minority_cat: 3 | tract_income_cat: 2 | income_cat: 3 | ltv_cat: 2 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 4 | product: 1 | purchase_price: 214000 | rate_orig_cat: 10 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000\nenterprise: 2 | record_num_sf_nfc: 20000008 | tract_minority_cat: 2 | tract_income_cat: 1 | income_cat: 2 | ltv_cat: 5 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 4 | product: 1 | purchase_price: 255000 | rate_orig_cat: 9 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000\nenterprise: 2 | record_num_sf_nfc: 20000009 | tract_minority_cat: 3 | tract_income_cat: 2 | income_cat: 3 | ltv_cat: 5 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 3 | product: 1 | purchase_price: 260000 | rate_orig_cat: 7 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000\nenterprise: 2 | record_num_sf_nfc: 20000010 | tract_minority_cat: 1 | tract_income_cat: 2 | income_cat: 1 | ltv_cat: 2 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 4 | product: 1 | purchase_price: 58000 | rate_orig_cat: 9 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000\nenterprise: 2 | record_num_sf_nfc: 20000011 | tract_minority_cat: 3 | tract_income_cat: 1 | income_cat: 2 | ltv_cat: 2 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 3 | product: 1 | purchase_price: 295000 | rate_orig_cat: 10 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000\nenterprise: 2 | record_num_sf_nfc: 20000012 | tract_minority_cat: 1 | tract_income_cat: 1 | income_cat: 3 | ltv_cat: 4 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 3 | product: 1 | purchase_price: 199000 | rate_orig_cat: 9 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000\nenterprise: 2 | record_num_sf_nfc: 20000013 | tract_minority_cat: 2 | tract_income_cat: 2 | income_cat: 3 | ltv_cat: 1 | purpose_sf_nfc: 2 | fed_guarantee_sf_nfc: 1 | score_cat: 2 | product: 1 |\n"}
diff --git a/chunks/json/571833b0c5c0e82b0b0d1671591db2ebfed688df4e0ddcf7b9e90678971f39ef.json b/chunks/json/571833b0c5c0e82b0b0d1671591db2ebfed688df4e0ddcf7b9e90678971f39ef.json
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+{"chunk":{"char_end":26681,"char_start":24919,"chunk_id":"chk_2668cc90f1be3a65","chunk_index":14,"chunk_sha256":"571833b0c5c0e82b0b0d1671591db2ebfed688df4e0ddcf7b9e90678971f39ef","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_103fc496217d2c5f","text_sha256":"571833b0c5c0e82b0b0d1671591db2ebfed688df4e0ddcf7b9e90678971f39ef","token_estimate":441,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Desktop_465D.pdf"]},"text":"20. I 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.\n\nFreddie Mac Form 465D April 2022\n\nPage 5 of 6\n\nFannie Mae Form1073 Desktop April 2022\n\nIndividual Condominium Unit Appraisal Report (Desktop)\n\nFile #\n\n21. The 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; without having to\nobtain the appraiser’s or supervisory appraiser’s (if applicable) consent. Such consent must be obtained before this appraisal\nreport may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public\nrelations, news, sales, or other media).\n\n22. 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"}
diff --git a/chunks/json/571d4cd065316bf27855c5e840d76b940fddc491c720f0e957f9117a70176c27.json b/chunks/json/571d4cd065316bf27855c5e840d76b940fddc491c720f0e957f9117a70176c27.json
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+++ b/chunks/json/571d4cd065316bf27855c5e840d76b940fddc491c720f0e957f9117a70176c27.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":4030,"char_start":2042,"chunk_id":"chk_00c0cf2e9ec1385a","chunk_index":1,"chunk_sha256":"571d4cd065316bf27855c5e840d76b940fddc491c720f0e957f9117a70176c27","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bc0c11220168b9d2","text_sha256":"571d4cd065316bf27855c5e840d76b940fddc491c720f0e957f9117a70176c27","token_estimate":497,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2011-24791 (1).pdf"]},"text":"FHFA has adopted an Order that\nimplements the changes required by\nHERA by revising the single-family\n\nmatrix in FHFA’s Public Use Database\n(PUDB) to include data fields for the\nhigh-cost single-family securitized loans\ndata in a new National File C, effective\nfor 2010 and beyond. The Order also\nmakes technical changes to the single-\nfamily and multifamily data matrices of\nthe PUDB, effective for 2010 and\nbeyond, to conform the data fields to\nexisting PUDB data reporting practices\nand HERA changes. This Notice of\nOrder sets forth FHFA’s Order with\naccompanying Appendix containing the\nrevised single-family and multifamily\nmatrices, and describes the new and\nrevised data fields.\nDATES: Effective Date of the Order: The\nOrder with accompanying Appendix is\neffective on September 21, 2011.\nFOR FURTHER INFORMATION CONTACT: For\nquestions on data or methodology,\ncontact: Brian Doherty, Supervisory\nPolicy Analyst, (202) 408–2991, or Ian\nKeith, Senior Program Analyst, (202)\n408–2949, Office of Housing &\nRegulatory Policy, 1625 Eye Street, NW.,\nWashington, DC 20006.\nmailto:Ian.Keith@fhfa.gov. For legal\nquestions, contact: Sharon Like,\nManaging Associate General Counsel,\n(202) 414–8950, Office of General\nCounsel, 1700 G Street, NW., Fourth\nFloor, Washington, DC 20552. These are\nnot toll free numbers. The telephone\nnumber for the Telecommunications\nDevice for the Hearing Impaired is (800)\n877–8339.\nSUPPLEMENTARY INFORMATION:\n\nI. Background\n\nA. The Enterprises\n\nThe Enterprises are government-\nsponsored enterprises chartered by\nCongress for the purpose of establishing\nsecondary market facilities for\nresidential mortgages. See 12 U.S.C.\n1716 et seq.; 12 U.S.C. 1451 et seq.\nCongress established the Enterprises to\nprovide stability in the secondary\nmarket for residential mortgages,\nrespond appropriately to the private\ncapital market, provide ongoing\nassistance to the secondary market for\nresidential mortgages, and promote\naccess to mortgage credit throughout the\nnation. Id.\n"}
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+++ b/chunks/json/57258829a45bd300b39ef371262e4cbc7e3300debdb65611ac46e20d5efcabc7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":243715,"char_start":242116,"chunk_id":"chk_1277b350dcc4a902","chunk_index":138,"chunk_sha256":"57258829a45bd300b39ef371262e4cbc7e3300debdb65611ac46e20d5efcabc7","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"57258829a45bd300b39ef371262e4cbc7e3300debdb65611ac46e20d5efcabc7","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"3.027\n\nAbilityToRepayMethodType\n\nGeneral\n\n…/QUALIFIED_MORTGAGE/QUALIFIED_MORTGAGE_DETAIL/EXTENSION/OTHER\n\n3.031\n\ngse:QualifiedMortgageShortResetARM_APRPercent\n\n10.1310\n\nSince May 1, 2023, the data point gse:QualifiedMortgageShortResetARM_APRPercent data point has been required for\nall ARMs meeting the following definition: The annual percentage rate for the loan based on the accepted industry standard\ndefined by Regulation Z (Section 12 C.F.R. § 1026.43(e)(2)(iv)) used for QMs that have an interest rate change within the first\nfive years after the date on which the first regular periodic payment is due (e.g., 3/6 and 5/6 SOFR-indexed ARMs).\n\nThe Revised QM Rule’s APR-APOR threshold test adds an APR data requirement for adjustable-rate QM loans that have\nan interest rate change within the first five years. Lenders must use the maximum interest rate that could apply during the\nfirst five years after the first payment is due when calculating the qualifying spread rate.\n\ngse:QualifiedMortgageShortResetARM_APRPercent with a value greater than “0” is required only when AmortizationType\n\n= “AdjustableRate” and FirstRateChangeMonthsCount is less than or equal to “60”.\n\nFigure 74 illustrates a mortgage that adjusts in 5 years, so meets the definition of a QM short reset ARM. It is followed by\nan XML Snippet showing how the required gse:QualifiedMortgageShortResetARM_APRPercent data point must be\nrepresented in the XML file.\n\nUCD v2.0 Implementation Guide\n\n- 107 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 74. ARM Adjusting within First 5 Years.\n"}
diff --git a/chunks/json/573f030ad44cbaa1b1e4de999ad16b520e61ce6f473a19ab1ca6574a390ecc63.json b/chunks/json/573f030ad44cbaa1b1e4de999ad16b520e61ce6f473a19ab1ca6574a390ecc63.json
new file mode 100644
index 0000000000000000000000000000000000000000..f6c6e665cd895614b033706a3a3d6ff9a128b14d
--- /dev/null
+++ b/chunks/json/573f030ad44cbaa1b1e4de999ad16b520e61ce6f473a19ab1ca6574a390ecc63.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":22979,"char_start":21378,"chunk_id":"chk_15fe951ce8facd88","chunk_index":13,"chunk_sha256":"573f030ad44cbaa1b1e4de999ad16b520e61ce6f473a19ab1ca6574a390ecc63","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"573f030ad44cbaa1b1e4de999ad16b520e61ce6f473a19ab1ca6574a390ecc63","token_estimate":401,"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":"6\n\nDetail\nDetached\n400 Sq. Ft.\n\nGravel\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\nWater Features\n\nSubject Property Amenity\nOutdoor Shower\n\nMaterial\n\nDetail\nTotal Number - 2\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities)\n\nNone\n\nSubject Property Amenities Commentary\n\nEach unit has its own outdoor shower.\n\nOverall Quality and Condition\n\nOverall Quality\n\nExterior Quality - Building 1\nInterior Quality - Unit 1\n\nExterior Quality - Building 2\nInterior Quality - Unit 2\n\nQ5\nQ5\nQ5\n\nQ5\nQ5\n\nOverall Condition\n\nExterior Condition - Building 1\nInterior Condition - Unit 1\n\nExterior Condition - Building 2\nInterior Condition - Unit 2\n\nC4\nC4\nC4\n\nC4\nC4\n\nReconciliation of Overall Quality and Condition\n\nThe appraiser’s inspection was visual and not technical in nature. Quality and condition ratings are based on the appraiser’s observations on\nthe date of inspection. See the defects, damages, and deficiencies table for specifics.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 13 of 29\nPage 13 of 29\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/5780ed5a5042da1e2e3ef44ad1748db543c8dba3c4ce530024559b1d9996ece9.json b/chunks/json/5780ed5a5042da1e2e3ef44ad1748db543c8dba3c4ce530024559b1d9996ece9.json
new file mode 100644
index 0000000000000000000000000000000000000000..4ecb2305cb53926d0bcf890f8b7e119cb7a0a1ef
--- /dev/null
+++ b/chunks/json/5780ed5a5042da1e2e3ef44ad1748db543c8dba3c4ce530024559b1d9996ece9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":82801,"char_start":81177,"chunk_id":"chk_af71bd04f5d08b09","chunk_index":48,"chunk_sha256":"5780ed5a5042da1e2e3ef44ad1748db543c8dba3c4ce530024559b1d9996ece9","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"5780ed5a5042da1e2e3ef44ad1748db543c8dba3c4ce530024559b1d9996ece9","token_estimate":406,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 11 of 26\nPage 11 of 26\n\nUnit Interior - Building 1 - Unit D\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\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 D)\n\nNone\n\nUnit Interior Exhibits\n\nLevel 1 - Bath - Full - Bath 1\n\nLevel 1 - Bath - Full - Bath 2\n"}
diff --git a/chunks/json/5797a80ee9f1db690c464562ca603576561d7fe2831868b78e8f820f2d4b10a3.json b/chunks/json/5797a80ee9f1db690c464562ca603576561d7fe2831868b78e8f820f2d4b10a3.json
new file mode 100644
index 0000000000000000000000000000000000000000..3683be9142ba8c429e0c9cd906a7f92d2e4e4f76
--- /dev/null
+++ b/chunks/json/5797a80ee9f1db690c464562ca603576561d7fe2831868b78e8f820f2d4b10a3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13606,"char_start":11867,"chunk_id":"chk_28a4ee495689685c","chunk_index":7,"chunk_sha256":"5797a80ee9f1db690c464562ca603576561d7fe2831868b78e8f820f2d4b10a3","date_utc":"2026-01-27T17:47:50+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8535ea1710d70b24","text_sha256":"5797a80ee9f1db690c464562ca603576561d7fe2831868b78e8f820f2d4b10a3","token_estimate":431,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Reports___FHFA_gp0z3l.md"]},"text":"October 30, 2025\n\n## [Annual Housing Report - 2025 (covers activities 1/2024 - 12/2024)](/reports/annual-housing-report/2025)\n - FHFA House Price Index®\n\nOctober 28, 2025\n\n## [U.S. House Price Index - October 2025](/reports/house-price-index/2025/10)\n - No FEAR Report\n\nOctober 28, 2025\n\n## [No Fear Act Data - Fourth Quarter 2025](/reports/no-fear-act/2025/Q4)\n - FHLBank Targeted Mission Activities\n\nOctober 15, 2025\n\n## [2024 Federal Home Loan Bank Targeted Mission Report](/reports/fhlbank-targeted-mission-activities/2024)\n - Foreclosure Prevention, Refinance, and FPM Report\n\nOctober 9, 2025\n\n## [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - July 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/7)\n - FHFA House Price Index®\n\nSeptember 30, 2025\n\n## [U.S. House Price Index - September 2025](/reports/house-price-index/2025/9)\n - FHFA AI Compliance Plan\n\nSeptember 30, 2025\n\n## [FHFA 2025 AI Compliance Plan](/reports/fhfa-ai-compliance-plan/2025)\n - Prepayment Monitoring Report\n\nSeptember 26, 2025\n\n## [Prepayment Monitoring Report Second Quarter 2025](/reports/prepayment-monitoring-report/2025/Q2)\n - Foreclosure Prevention, Refinance, and FPM Report\n\nSeptember 18, 2025\n\n## [Foreclosure Prevention, Refinance, and FPM Report - 2Q2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/Q2)\n - Enterprise Non-Performing Loan Sales Report\n\nSeptember 12, 2025\n\n## [Enterprise Non-Performing Loan Sales Report - December 2024](/reports/enterprise-non-performing-loan-sales-report/2024-12)\n - FHFA House Price Index®\n\nAugust 26, 2025\n\n## [U.S. House Price Index Report - 2025 Q2](/reports/house-price-index/2025/2)\n - Information Resources Management Strategic Plan\n"}
diff --git a/chunks/json/57b8bb7f43cb7b344b3919f69d52d517e1e8e939f65f40c565849fca34a96476.json b/chunks/json/57b8bb7f43cb7b344b3919f69d52d517e1e8e939f65f40c565849fca34a96476.json
new file mode 100644
index 0000000000000000000000000000000000000000..4e0d557f43cf1d2fa9e7994b1bca8533e88fb631
--- /dev/null
+++ b/chunks/json/57b8bb7f43cb7b344b3919f69d52d517e1e8e939f65f40c565849fca34a96476.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":24865,"char_start":22704,"chunk_id":"chk_75fa79157603a771","chunk_index":12,"chunk_sha256":"57b8bb7f43cb7b344b3919f69d52d517e1e8e939f65f40c565849fca34a96476","date_utc":"2026-01-27T17:48:00+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f7353ddc84098f76","text_sha256":"57b8bb7f43cb7b344b3919f69d52d517e1e8e939f65f40c565849fca34a96476","token_estimate":541,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Website_Privacy_Policy___FHFA_m6ybii.md"]},"text":"## 11. Agency Name and Official Seal Permissions\n\nFederal law prohibits the use of any symbol, emblem, seal, insignia or badge of FHFA or any colorable imitation of such words, initials, symbols, emblems, or seals in connection with any advertisement, solicitation, business activity, or product where such use could be interpreted as conveying the impression that such advertisement, solicitation, business activity, or product is in any manner approved, endorsed, sponsored, or authorized by, or associated with FHFA.\n\nAll services that use data developed by FHFA must prominently display the following notice with the application: “This product uses FHFA data but is neither endorsed nor certified by FHFA.” You may use FHFA’s name or logos (*e.g.*, “Source: FHFA®”) to identify the source of the content, subject to this Privacy Policy.\n\n## 12. Links to Other Websites\n\nThis website contains hypertext links to information created and maintained by other organizations. These links to external websites are provided for your convenience. FHFA does not control nor guarantee the accuracy, relevance, timeliness, or completeness of any information on these other links/websites. If you go to other websites through these links, our privacy and security policy will no longer apply and you will be subject to the privacy and security policy of the new websites. If you click a link to a non-government external website, you will be notified by an exit message/pop up message.\n\n## 13. Social Media\n\nIn order to encourage greater public participation, collaboration, and transparency, FHFA currently maintains official accounts on commercial social media sites, including Facebook, YouTube, LinkedIn, and X (formerly known as Twitter). FHFA does not own or operate these sites. These sites are owned, controlled, and operated by non-government third parties. FHFA does not collect, maintain, or disseminate information posted by visitors to these sites. Additionally, FHFA does not endorse or control the comments or opinions provided by visitors to these sites. FHFA may, however, remove posts that do not meet the agency’s guidelines for social media comments.\n"}
diff --git a/chunks/json/57cedf57df0cd461e947272269731205244761f08c4f7dd081af1ae3ad3b50bc.json b/chunks/json/57cedf57df0cd461e947272269731205244761f08c4f7dd081af1ae3ad3b50bc.json
new file mode 100644
index 0000000000000000000000000000000000000000..d55aaa3ea5f32f43a9ddd0c8a94957df30c4e95d
--- /dev/null
+++ b/chunks/json/57cedf57df0cd461e947272269731205244761f08c4f7dd081af1ae3ad3b50bc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6750,"char_start":5120,"chunk_id":"chk_4212e6084bb2db5d","chunk_index":3,"chunk_sha256":"57cedf57df0cd461e947272269731205244761f08c4f7dd081af1ae3ad3b50bc","date_utc":"2026-01-27T18:02:28+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_738b4f6249ff50c1","text_sha256":"57cedf57df0cd461e947272269731205244761f08c4f7dd081af1ae3ad3b50bc","token_estimate":408,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-release-sept-27-2025.pdf"]},"text":"DU will include the value provided in the total income and issue a verification message reminding the lender to confirm the\nrestricted stock units have vested and have been distributed to the borrower without restrictions, and that the income is\ncalculated and documented in accordance with the Fannie Mae Selling Guide.\n\nUpdates to Align with the Selling Guide\n\nMortgage Insurance Requirements for properties in New York\n\nSelling Guide Announcement SEL-2025-02 clarified that for purchase transactions on co-op properties in New York state if\nmortgage insurance is required based on the sales price, but the appraised value results in an LTV ratio of 75% or less, mortgage\ninsurance should not be added to the loan. The DU message issued requiring the lender to determine if mortgage insurance is\nrequired based on New York laws and regulations will be updated to include this clarification.\n\nInterested Party Contributions\n\nSelling Guide Announcement SEL-2025-03 updated the maximum financing concession determination to be calculated using the\nlower of the sales price or appraised value. DU will be updated to also use the lower of the sales price or appraised value, instead\nof only the sales price.\n\nMultiple Financed Properties\n\nDU applies the multiple financed properties policy specified in the Selling Guide to second home and investment property loan\ncasefiles. When Commercial, Multifamily, Land, or Farm is provided in the Other Description field in Section 3: Real Estate Owned\nin the Property Information section, DU will not include that specific property when applying the multiple financed properties\nguidelines.\n"}
diff --git a/chunks/json/57de0f9d9dedad5e8324ec08aee733377425f8725490c2427bcdc7841a1640fc.json b/chunks/json/57de0f9d9dedad5e8324ec08aee733377425f8725490c2427bcdc7841a1640fc.json
new file mode 100644
index 0000000000000000000000000000000000000000..3902986027312c90942e3d5d866e6d5faa2f2524
--- /dev/null
+++ b/chunks/json/57de0f9d9dedad5e8324ec08aee733377425f8725490c2427bcdc7841a1640fc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8600,"char_start":7105,"chunk_id":"chk_79076aec0b52092d","chunk_index":4,"chunk_sha256":"57de0f9d9dedad5e8324ec08aee733377425f8725490c2427bcdc7841a1640fc","date_utc":"2026-01-27T18:10:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_a42a0f021e801ee3","text_sha256":"57de0f9d9dedad5e8324ec08aee733377425f8725490c2427bcdc7841a1640fc","token_estimate":405,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Mortgage_Loan_and_Natural_Disaster_Dashboard___FHF_f6obmb.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 - Mortgage Loan and Natural Disaster Dashboard\n\n# Mortgage Loan and Natural Disaster Dashboard\n\n[![Dashboard ](https://public.tableau.com/static/images/FH/FHFAMortgageLoanandNaturalDisasterDashboard/Dashboard/1_rss.png)](#)\n"}
diff --git a/chunks/json/57e7fccc2fe41aad2948e57a6779316893033f6d33884fde68be6cb10fe515a8.json b/chunks/json/57e7fccc2fe41aad2948e57a6779316893033f6d33884fde68be6cb10fe515a8.json
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index 0000000000000000000000000000000000000000..67c24ea55dd86eca7648aed4ac3306f04b3677cc
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+++ b/chunks/json/57e7fccc2fe41aad2948e57a6779316893033f6d33884fde68be6cb10fe515a8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6653,"char_start":5015,"chunk_id":"chk_a6c69dca65eba0ed","chunk_index":3,"chunk_sha256":"57e7fccc2fe41aad2948e57a6779316893033f6d33884fde68be6cb10fe515a8","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8d14ca1837b76af4","text_sha256":"57e7fccc2fe41aad2948e57a6779316893033f6d33884fde68be6cb10fe515a8","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":"Public Street\nCollector Street | Asphalt\nYes\n\nAppraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 3 of 18\nPage 3 of 18\n\nSite (continued)\n\nSite Influence\n\nInfluence\nApparent Environmental\nCondition\n\nProximity\nOffsite | 1 Mile\n\nDetail\nHazardous Substances\n\nImpact\nNeutral\n\nBody of Water\n\nOffsite\n\nRiver\n\nBeneficial\n\nComment\nRainwater runoff can\ncarry pesticides, plastics,\nwastewater, and agricultural\nrunoff that is released into\nthe Potomac.\n\nThe Potomac River is\napproximately 1 mile from\nthe subject’s location.\n\nSite Influence Commentary The site is located approximately one mile from the Potomac River. This location provides beneficial water views\nfor units located above the third floor, on the side of the buildings facing the river. Units on the opposite side of the building do not have water\nviews. In regards to the environmental condition, pollutants have been identified and can contain Endocrine Disruptors (EDCs) that are not\ncompletely removed in treatment plants. During periods shortly after heavy rainstorms, the residents in the area are advised not to swim in\nthe Potomac River due to these hazards. Even so, there is no measurable adverse impact on marketability or values concerning the subject.\nThe demand for housing in the subject’s market has remained consistent over the years.\n\nView and Impact to Value/Marketability\n\nView\nParking Lot (Primary)\n\nCity Street\n\nRange of View\nFull\n\nPartial\n\nImpact\nNeutral\n\nNeutral\n\nView Commentary Additional commentary can be added here, if needed by Appraiser.\n"}
diff --git a/chunks/json/57f8ca95eac7f1488a7e2be7ba2a4fd22e17566ec96648ecc52c540868ae9f45.json b/chunks/json/57f8ca95eac7f1488a7e2be7ba2a4fd22e17566ec96648ecc52c540868ae9f45.json
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index 0000000000000000000000000000000000000000..e63de872052555fd38f89098f6a5e262b6673ce5
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+++ b/chunks/json/57f8ca95eac7f1488a7e2be7ba2a4fd22e17566ec96648ecc52c540868ae9f45.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":416708,"char_start":415137,"chunk_id":"chk_31de2c60d30cd10b","chunk_index":234,"chunk_sha256":"57f8ca95eac7f1488a7e2be7ba2a4fd22e17566ec96648ecc52c540868ae9f45","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"57f8ca95eac7f1488a7e2be7ba2a4fd22e17566ec96648ecc52c540868ae9f45","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"18.1, cont’d  will not have an escrow account because  you declined it  your lender\ndoes not offer one. You must directly pay your property costs, such as taxes\nand homeowner’s insurance. Contact …\n\nNo Escrow\n\n18.6 Estimated\nProperty Costs\nover Year 1\n\n$5,261.76\n\nEstimated total amount over year 1. You must pay\nthese costs directly, possibly in one or two large\npayments a year.\n\n18.7 Escrow Waiver\nFee\n\n$250.00\n\nIn the future,\nYour property costs may change and, as a result, your escrow payment may change. …..\n\nFigure 113. No Escrow Account\n\nCertain fields in the Escrow Account section must reconcile to the following Closing Disclosure fields:\n\n18.1 While EscrowIndicator is also used to support 5.4 in the Projected Payments table, it is included in the\n\nUCD XML file only once.\n\n18.6 Estimated Property Costs over Year 1 = [(5.6.1 ETI&A + 5.3.1 Mortgage Insurance) less Escrowed\n\nProperty Costs)] * 12] = $438.48 – 0) *12 = $5,261.76.\n\nAppendix E: UCD Implementation Guide\n\nPage 194 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n18.0 Escrow Account - UPDATED\n\n18.7 Escrow Waiver Fee = recorded as a line item under B. Services Borrower Did Not Shop For (7.5) or C.\n\nServices Borrower Did Shop For (7.7)\n\nProjected Payments\n\n5.0\n\n5.1 Payment Calculation\n\n5.1.1 Years 1 – 5\n\n5.1.2 Years 6 – 8\n\n5.1.3 Years 9 – 11\n\n5.1.4 Ye ars 12 - 30\n\n5.3 Mortgage Insurance\n\n5.4 Estimated Escrow\nAmount can increase over time\n\n5.6 Estimated Taxes, Insurance\n& Assessments\nAmount can increase over time\nSee page 4 for details\n\n5.3.1 +\n\n82.35 5.3.2 +\n\n--- 5.3.3 +\n\n--- 5.3.4 +\n"}
diff --git a/chunks/json/580f24e84c7c706a67f7499a5a9ac473d305b156f0c050b4aae2cf860f764d60.json b/chunks/json/580f24e84c7c706a67f7499a5a9ac473d305b156f0c050b4aae2cf860f764d60.json
new file mode 100644
index 0000000000000000000000000000000000000000..b9686d745b2d6bfaf36fc23316a8b00c6bf6de57
--- /dev/null
+++ b/chunks/json/580f24e84c7c706a67f7499a5a9ac473d305b156f0c050b4aae2cf860f764d60.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":48837,"char_start":47233,"chunk_id":"chk_6b616818bd29c3f6","chunk_index":28,"chunk_sha256":"580f24e84c7c706a67f7499a5a9ac473d305b156f0c050b4aae2cf860f764d60","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"580f24e84c7c706a67f7499a5a9ac473d305b156f0c050b4aae2cf860f764d60","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"The number or identifier assigned to a lender, (i.e.,\nseller, non-seller, or third-party organization), used\nto associate the appraisal submission with that\nlender.\n\nNote: The Seller Number may differ between each\nGSEs’ SSR.\n\nX\n\nX\n\nX\n\nX\n\nBoth\n\nBoth\n\nFNM\n\nFRE\n\nX\n\nX\n\nX\n\nX\n\nBoth\n\nX\n\nX\n\nX\n\nFormat\nType\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\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\nSeverity\n\nseverity\n\nIndicates the level of impact of a particular message\nassociated with an appraisal report finding and how\nurgently the finding should be addressed.\n\nFinding Severities\nwill align for:\nSystem and UAD\n\nReport Type\n\nURAR\n\nX\n\nUpdate\nReport\nX\n\nCompletion\nReport\nX\n\nFormat\nType\n\nPDF / JSON\n\nSeverity ratings\nwill differ for\nProprietary\nFindings; severity\nratings will align\nwith the GSE the\nreport was\nrequested from.\n\nState\n\nstateCode\n\nSubject Site Owned in\nCommon\n\nlandOwnedInCommo\nnIndicator\n\nThe two-character representation of the US state\ncodes, \"DC,\" or one of the US Territory codes.\n\nWhen true, indicates land associated with the\nsubject property parcel is owned by an association,\ncondominium project, or cooperative.\n\nSupervisory Appraiser\nName\n\nsupervisoryAppraiser\nName\n\nThe name of the supervisory appraiser who\nperformed the appraisal of the property.\n"}
diff --git a/chunks/json/581c2d39c8afb67f9c04fd5db577dcfd5d8daf8032cdb59868b618a467869e47.json b/chunks/json/581c2d39c8afb67f9c04fd5db577dcfd5d8daf8032cdb59868b618a467869e47.json
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index 0000000000000000000000000000000000000000..50e60c162314cfe0673f463bea916d3bca1feb4f
--- /dev/null
+++ b/chunks/json/581c2d39c8afb67f9c04fd5db577dcfd5d8daf8032cdb59868b618a467869e47.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1599,"char_start":0,"chunk_id":"chk_a01ce7be55a96614","chunk_index":0,"chunk_sha256":"581c2d39c8afb67f9c04fd5db577dcfd5d8daf8032cdb59868b618a467869e47","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_559d47b9f4cba12b","text_sha256":"581c2d39c8afb67f9c04fd5db577dcfd5d8daf8032cdb59868b618a467869e47","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/cu-v-53-release-notes-feb-11-2022.pdf"]},"text":"Collateral Underwriter® Version 5.3 Release Notes\n\nOn March 11, 2022, Fannie Mae will implement Collateral Underwriter® (CU®) Version 5.3. During the updates, CU will be\nunavailable from 9 p.m. ET on Friday, March 11 until 1 a.m. ET on Saturday, March 12. The following changes will be included\nin the release.\n\nFeb. 11, 2022\n\nIdentification of Desktop and Hybrid appraisals in CU\n\nUsers will have the ability to view new Desktop and Hybrid appraisal types in CU.\n\nNew Appraisal Types in CU\n\nLabel in CU\n\nAppraisal Type\n\nSF-D Single Family (1004 Desktop)\n\nSF-H Single Family (1004 Hybrid)\n\n▪ Overview Page – Users will be able to identify the new appraisal types under the Property Type field on the Overview page\n\nusing the above labels.\n\n▪ Advanced Search – Users will have the option to search by specific Single Family form type(s), including the above Hybrid\n\nand Desktop form types.\n\n- Selecting \"Single Family\" for the Property Type field in the Advanced Search will open a new Assignment Types\n\ndropdown for users to select specific form type(s) to search.\n\nThe new Assignment Types field in the Advanced Search.\n\nMap Search and Other Enhancements\n\nBased on user feedback, several features will be updated to enhance the Map Search, including improvements to the new MLS\nsearch functionality implemented in the December 5.2 release. All remaining enhancements will expand existing functionality or\nimprove overall user experience.\n\n© 2022 Fannie Mae\n\n2.11.22 Page 1 of 2\n\nSummary of Enhancements by Feature\n\nFeature\n\nSummary of changes\n\nMap Search Enhancements\n\nAll Options\n\nMLS\n\nAppraisals\n"}
diff --git a/chunks/json/5825c869fa9c3570ddf882541b8abe42e765a77672c6a2519fb538c4c0451947.json b/chunks/json/5825c869fa9c3570ddf882541b8abe42e765a77672c6a2519fb538c4c0451947.json
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index 0000000000000000000000000000000000000000..805217a6937a76f7d7e0d8334ece7bb5d89628f1
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+++ b/chunks/json/5825c869fa9c3570ddf882541b8abe42e765a77672c6a2519fb538c4c0451947.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3612,"char_start":1876,"chunk_id":"chk_75e9424b4e63e331","chunk_index":1,"chunk_sha256":"5825c869fa9c3570ddf882541b8abe42e765a77672c6a2519fb538c4c0451947","date_utc":"2026-01-27T17:46:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5242e4bddac7e14d","text_sha256":"5825c869fa9c3570ddf882541b8abe42e765a77672c6a2519fb538c4c0451947","token_estimate":434,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/condition-and-quality-rating-definitions-pdf.pdf"]},"text":"The dwelling has been well‐maintained and\nexhibits only minimal wear and tear. The\ndwelling may exhibit only minor age‐related\nphysical depreciation; or, most components, but\nnot every major building component, has been\nupdated or renovated.\n\nThe dwelling has been adequately maintained\nand exhibits moderate wear and tear resulting\nfrom occupancy and exposure to elements. The\ndwelling may feature some updating, but\notherwise contains deferred maintenance items\nthat are generally minor or cosmetic in nature.\n\nThe dwelling exhibits significant wear and tear\nresulting from inadequate maintenance, but the\nsoundness and structural integrity are sufficient\nto support occupancy. Some components may\nbe missing or near the end of their useful life,\nbut major components are still functional.\n\nThe dwelling features an extreme lack of\nmaintenance, resulting in severe damages,\ndeficiencies, or defects that impact the\nsoundness or structural integrity, and the\ndwelling is not suitable for occupancy. There are\nmajor components that may be missing, no\nlonger functional, or otherwise require\nimmediate correction.\n\nA dwelling in C2 condition:\n\n\nHas been recently constructed (within the past 36 months), and otherwise exhibits\nvirtually no wear and tear, but is no longer new due to occupancy or use (e.g., model\nhome), or\nHas been fully remodeled \"to the studs\" including new major components; a new\ndwelling built utilizing the footprint or façade of a pre‐existing dwelling; or a newly\nconverted condo/co‐op in a pre‐existing building.\n\n\n\nA dwelling in C3 condition will likely have:\n\n\nComponents or rooms that are older but have been very well maintained or experienced\nminimal use, and show little or no physical depreciation, or\n"}
diff --git a/chunks/json/582a834d5d7f1695cb8b9c4855d07b9fb1878346bddd73167d497806ac6f8c7b.json b/chunks/json/582a834d5d7f1695cb8b9c4855d07b9fb1878346bddd73167d497806ac6f8c7b.json
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index 0000000000000000000000000000000000000000..4ef9c48c46854bd09f0fb38435dc866507d9196b
--- /dev/null
+++ b/chunks/json/582a834d5d7f1695cb8b9c4855d07b9fb1878346bddd73167d497806ac6f8c7b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":460442,"char_start":458702,"chunk_id":"chk_b0f49f52dd2d39c8","chunk_index":257,"chunk_sha256":"582a834d5d7f1695cb8b9c4855d07b9fb1878346bddd73167d497806ac6f8c7b","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"582a834d5d7f1695cb8b9c4855d07b9fb1878346bddd73167d497806ac6f8c7b","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":"• The property description section of the security instrument must include a comprehensive description of the\n\nmanufactured home and the land. The description must include the serial or VIN number (or the serial number or VIN\nfor each unit if the home is multi-section), make, model, size, and any other information that may be required by\napplicable law to definitively identify the home. The serial number is located on the HUD Data Plate located on the\ninterior of the home, usually near the electrical box. In addition, the serial number is generally cold stamped on the\nframe front cross member of each transportable section.\n\nSome jurisdictions may not allow any information in the property description section of the security instrument other than\nwhat is customary for other real property transactions. If this is the case, then an addendum may be used, which must be\nattached to the security instrument and included in the loan file.\n\n• The security instrument must state that the manufactured home is an improvement to the land and an immovable\nfixture, or must include similar language as may be required by applicable law to assure, to the greatest extent\npossible, that the manufactured home is treated as real property under applicable state law. If applicable law\nprovides specific obligatory wording, such wording must be used.\n\n• The borrower(s) and any lender with a personal property security interest in the manufactured home must sign an\nAffidavit of Affixture that acknowledges their intent for the manufactured home to be permanently part of the real\nproperty that secures the mortgage free of any personal property security interest. It must also contain any specific\nlanguage that may be required by applicable law.\n"}
diff --git a/chunks/json/582d2173c98e93becdab209f499c127ef6ce64cb6f52b3d5463a0ab15e02e1ec.json b/chunks/json/582d2173c98e93becdab209f499c127ef6ce64cb6f52b3d5463a0ab15e02e1ec.json
new file mode 100644
index 0000000000000000000000000000000000000000..8b525cab952d6fb3e02537b7cd3229e5a971ea51
--- /dev/null
+++ b/chunks/json/582d2173c98e93becdab209f499c127ef6ce64cb6f52b3d5463a0ab15e02e1ec.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":153086,"char_start":151363,"chunk_id":"chk_9cc39058af2cea46","chunk_index":89,"chunk_sha256":"582d2173c98e93becdab209f499c127ef6ce64cb6f52b3d5463a0ab15e02e1ec","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"582d2173c98e93becdab209f499c127ef6ce64cb6f52b3d5463a0ab15e02e1ec","token_estimate":431,"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\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 44 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\nAt least one of fields 1-177 (Cooling\nCentralized Indicator = 'Y'), 1-178 (Cooling\nIndividual Indicator = 'Y'), 1-179 (Cooling\nOther Indicator = 'Y') should be indicated. If\nfield 1-180 (Cooling Unit Description)\nindicates 'None' then fields 1-177 and 1-178\nshould not be indicated\nAt least one of fields 1-177 (Cooling\nCentralized Indicator = 'Y'), 1-178 (Cooling\nIndividual Indicator = 'Y'), 1-179 (Cooling\nOther Indicator = 'Y') should be indicated. If\nfield 1-180 (Cooling Unit Description)\nindicates 'None' then fields 1-177 and 1-178\nshould not be indicated\n\nThis field should be populated if field 1-179\n(Cooling Other Indicator = 'Y') is indicated.\n\nThis field should be indicated if the value of\nfield 1-182 (Amenity Count) is greater than\nzero.\n\n184\n\n1\n\n178\n\nIMPROVEMENTS\n\nCooling\nIndividual\n\nCooling Individual\nIndicator\n\nIndicates that the structure or unit has\nindividual cooling units.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/COOLING/@_IndividualIndicator\n\n179\n\nIMPROVEMENTS\n\nCooling\nOther\n\nCooling Other\nIndicator\n\nIndicates that the structure or unit has\na cooling configuration other than\nCentralized or Individual. The details\nmay be found in Cooling Unit\nDescription.\n"}
diff --git a/chunks/json/583d8a58e32a06f63ef4176b41ec07f5c3b53018b41bcba72bfb26c02b284c6a.json b/chunks/json/583d8a58e32a06f63ef4176b41ec07f5c3b53018b41bcba72bfb26c02b284c6a.json
new file mode 100644
index 0000000000000000000000000000000000000000..dbe0dcea2d7a22e4dfa3cc53f220247a6ece1429
--- /dev/null
+++ b/chunks/json/583d8a58e32a06f63ef4176b41ec07f5c3b53018b41bcba72bfb26c02b284c6a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7066,"char_start":5007,"chunk_id":"chk_5f3e12d1a2b95158","chunk_index":3,"chunk_sha256":"583d8a58e32a06f63ef4176b41ec07f5c3b53018b41bcba72bfb26c02b284c6a","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_add64810cae012ee","text_sha256":"583d8a58e32a06f63ef4176b41ec07f5c3b53018b41bcba72bfb26c02b284c6a","token_estimate":515,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-3 Completion Report with Codes.pdf"]},"text":"2. I performed this assignment without bias with respect to the parties involved in this transaction, the subject property, or the demographics\nof 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 conclusions on the actual or perceived race, color, religion, sex (including sexual orientation or gender\nidentity), age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the\npresent or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other\nbasis prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.\n\n5. I stated my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to the assumptions and\nlimiting conditions herein.\n\n6. I certify that I did perform a personal onsite inspection of the subject property to determine if the conditions or requirements stated in the\noriginal appraisal have been satisfied.\n\nTXC-NP\n\n6. I certify that I did not perform a personal onsite inspection of the subject property to determine if the conditions or requirements stated in\nthe original appraisal have been satisfied.\n\nTXC-NPI-B\n\nDescription:\n\nTXC-NP\n\n7. 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/585098bc28d9faf628987d756ca908d7dd38a91a9127412086c734c4909391a7.json b/chunks/json/585098bc28d9faf628987d756ca908d7dd38a91a9127412086c734c4909391a7.json
new file mode 100644
index 0000000000000000000000000000000000000000..9c37565216e06fa709527bb49911b1d85b92f305
--- /dev/null
+++ b/chunks/json/585098bc28d9faf628987d756ca908d7dd38a91a9127412086c734c4909391a7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":395093,"char_start":393306,"chunk_id":"chk_ea05b56f7c1a7e42","chunk_index":220,"chunk_sha256":"585098bc28d9faf628987d756ca908d7dd38a91a9127412086c734c4909391a7","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"585098bc28d9faf628987d756ca908d7dd38a91a9127412086c734c4909391a7","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":"delivered to the appropriate\nauthority.\n\na certificate of title has been issued, but state law\ndoes not permit the manufactured home to become\nreal property without issuance of a certificate of title\nand does not provide for surrender of the certificate\nof title,\n\nthe lender must adhere to the following\nrequirements:\n\n• The lien must be indicated on the certificate\n\nof title.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 160 of 166\n\nUAD 3.6 Policy\n\nIf …\n\nThen …\n\n• The certificate of title must be retained in the\n\nloan file.\n\n• The lender must assure that no other lien is\n\nindicated on the certificate of title.\n\n• Ownership of the manufactured home as\nshown on the certificate of title and\nownership of the land (or of the leasehold\nestate, if applicable) as shown on the\nmortgage, deed of trust, or security deed\nmust be identical (that is, the same\nindividuals must sign both, each using the\nexact same name on both documents).\n\nNote: Given certain provisions of Mississippi law and the practice in the state, the requirements in the last row of the above\ntable apply to manufactured homes in Mississippi. (The other two options in this table do not apply.)\n\nTitle Issues and Lien Requirements\n\nTo be eligible for purchase by Fannie Mae:\n\n• A manufactured home loan must be secured by a perfected lien (or liens) on real property consisting of the\n\nmanufactured home and the borrower's interest in the land.\n\nThe manufactured home must be legally classified as real property under applicable state law, including relevant statutes,\nregulations, and judicial decisions.\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"}
diff --git a/chunks/json/585efef45d13f1dffcd863ec70719c6cbd6a754a5de4695034f2cebe58219277.json b/chunks/json/585efef45d13f1dffcd863ec70719c6cbd6a754a5de4695034f2cebe58219277.json
new file mode 100644
index 0000000000000000000000000000000000000000..dad81b1b2def22125e15af1ff89da982912567b9
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+++ b/chunks/json/585efef45d13f1dffcd863ec70719c6cbd6a754a5de4695034f2cebe58219277.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":650386,"char_start":648763,"chunk_id":"chk_ad8ddf0b7fbd161c","chunk_index":384,"chunk_sha256":"585efef45d13f1dffcd863ec70719c6cbd6a754a5de4695034f2cebe58219277","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"585efef45d13f1dffcd863ec70719c6cbd6a754a5de4695034f2cebe58219277","token_estimate":406,"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']/OTHER_FEAT\nURE_ADJUSTMENT[@PropertyFeatureSequenceIdentifier='2']/@PropertyFeatu\nreAdjustmentAmount\n\nRECONCILIATIO\nN\n\nIndicated Value by: Sales\nComparison Approach $\n\nValue Indicated By\nSales Comparison\nApproach Amount\n\nThe dollar value of the subject property\nindicated by the Sales Comparison\napproach.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/@ValueIndicatedBySalesComparisonApproachAmount\n\nRECONCILIATIO\nN\n\nIncome Approach (if developed)\n$\n\nValue Indicated By\nIncome Approach\nAmount\n\nThe dollar value of the subject property\nindicated by the Income Approach method\nof property valuation.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/INCOME_ANALYSIS/\n@ValueIndicatedByIncomeApproachAmount\n\n20\n\n10\n\n20\n\n10\n\n12\n\n12\n\nString\n\nMoney\n\nString\n\nMoney\n\nMoney\n\nMoney\n\n453\n\n454\n\n455\n\n456\n\n471\n\n472\n\n473\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n108\n\n109\n\n110\n\n111\n\n124\n\n125\n\n126\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nUAD Requirement - Refer to Appendix D Reconciliation Section\nThis data is referenced more than once on the form, and must be represented\nconsistently.\n\nPDF Display Format:\nWhole dollars only\nThis data is referenced more than once on the form, and should be represented\nconsistently.\n\nPDF Display Format:\nWhole dollars only.\n\nRECONCILIATIO\nN\n\nComment Area\n\nValuation\nReconciliation\nSummary\nComment\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"}
diff --git a/chunks/json/5864bf7c71658965fdbdb9d98db3cbd0b59801ef8414d8c3ee07ee08512a4aec.json b/chunks/json/5864bf7c71658965fdbdb9d98db3cbd0b59801ef8414d8c3ee07ee08512a4aec.json
new file mode 100644
index 0000000000000000000000000000000000000000..6492243d36c06b43956e65aababc4a94585e45a3
--- /dev/null
+++ b/chunks/json/5864bf7c71658965fdbdb9d98db3cbd0b59801ef8414d8c3ee07ee08512a4aec.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":56031,"char_start":55362,"chunk_id":"chk_87ce67043d17480e","chunk_index":57,"chunk_sha256":"5864bf7c71658965fdbdb9d98db3cbd0b59801ef8414d8c3ee07ee08512a4aec","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"5864bf7c71658965fdbdb9d98db3cbd0b59801ef8414d8c3ee07ee08512a4aec","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:7)(cid:7)(cid:1)(cid:5)(cid:12)(cid:1)(cid:3)(cid:5)(cid:24)\n\n(cid:2)(cid:22)(cid:22)(cid:28)(cid:42)(cid:28)(cid:35)(cid:33)(cid:17)(cid:29)(cid:48)(cid:10)(cid:38)(cid:35)(cid:37)(cid:24)(cid:38)(cid:42)(cid:28)(cid:24)(cid:40)(cid:48)(cid:2)(cid:33)(cid:17)(cid:29)(cid:45)(cid:46)(cid:24)(cid:22)(cid:48)(cid:7)(cid:35)(cid:42)(cid:48)(cid:15)(cid:40)(cid:24)(cid:22)(cid:48)\n\n(cid:1)(cid:2)\n\n(cid:9)(cid:39)(cid:36)(cid:48) (cid:25)(cid:39)(cid:43)(cid:48) (cid:3)(cid:23)(cid:23)(cid:39)(cid:25)(cid:41)(cid:41)(cid:48)\n\n(cid:13)(cid:18)(cid:30)(cid:25)(cid:48)(cid:6)(cid:18)(cid:43)(cid:25)(cid:48)\n\n(cid:13)(cid:43)(cid:18)(cid:43)(cid:44)(cid:41)(cid:48)\n"}
diff --git a/chunks/json/5866efe789cbbab08c8160034a78c3ef83829e39c66ce50e1abdd6ab9d1f5e6d.json b/chunks/json/5866efe789cbbab08c8160034a78c3ef83829e39c66ce50e1abdd6ab9d1f5e6d.json
new file mode 100644
index 0000000000000000000000000000000000000000..be17174a7e53058702d3d10f26cc95607bf1509e
--- /dev/null
+++ b/chunks/json/5866efe789cbbab08c8160034a78c3ef83829e39c66ce50e1abdd6ab9d1f5e6d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":431178,"char_start":429535,"chunk_id":"chk_152333a78055034d","chunk_index":255,"chunk_sha256":"5866efe789cbbab08c8160034a78c3ef83829e39c66ce50e1abdd6ab9d1f5e6d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"5866efe789cbbab08c8160034a78c3ef83829e39c66ce50e1abdd6ab9d1f5e6d","token_estimate":411,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Units listed for sale\nUnits currently under contract\n\nTotal number of units in the project that are currently rented or available for\nrent. Includes:\n•\n•\n•\n•\n\nIndividually rented units\nUnits held by the developer or sponsor for rental purposes\nInvestor-held units\nUnits rented by a nonprofit\n\nUnits Rented Estimated: Indicates whether Units Rented is an estimate, such as\nwhen offsite mailing addresses are used.\nNotes:\n•\n\nIf Units Rented is unknown or unavailable to the appraiser in the normal\ncourse of business, the appraiser must estimate the number of units that\nare rented.\nIf Yes, Units Rented displays with a tilde (~).\n\n•\n\n18.010 Reason Units\n\nRented is\nEstimated\n\nRequired if Units\nRented Estimated is\nYes\n\nFree-form\n\nCommentary on the reason why Units Rented is estimated, and how the\nestimated Units Rented was determined, such as offsite mailing addresses vs.\nactual known rental units.\n\nAppendix F-1: URAR Reference Guide\n\nPage 184 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n18 Project Information\n\nMandatory Monthly Fees (HOA, PUD, or Co-op)\n\nProject Information: Mandatory Monthly Fees\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n18.011 Monthly\nAmount\n\nRequired if the\nproperty is in a\ncondominium,\ncooperative, condop,\nor PUD\n\nAllowable\nAnswers / Format\n\nDollar amount\n\nDefinition / Additional Guidance\n\nMandatory Monthly Fees: The combined dollar amount of all the mandatory\nfees, expressed as a monthly amount. Mandatory fees include fees assessed to\nthe subject property for all amenities including those that are not offered to all\nowners (e.g., limited boat slips offered on a first-come, first-served basis).\n"}
diff --git a/chunks/json/586edc053ae3e4dc04eb1a5899e98dec1bc88df312a001066e12235f551665dc.json b/chunks/json/586edc053ae3e4dc04eb1a5899e98dec1bc88df312a001066e12235f551665dc.json
new file mode 100644
index 0000000000000000000000000000000000000000..865b8cb0f3b48cbc2adada79f74ab25b7e287308
--- /dev/null
+++ b/chunks/json/586edc053ae3e4dc04eb1a5899e98dec1bc88df312a001066e12235f551665dc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":675644,"char_start":673960,"chunk_id":"chk_eca1ce08acb4b582","chunk_index":402,"chunk_sha256":"586edc053ae3e4dc04eb1a5899e98dec1bc88df312a001066e12235f551665dc","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"586edc053ae3e4dc04eb1a5899e98dec1bc88df312a001066e12235f551665dc","token_estimate":421,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Notes:\n• The comparable sales used to support the GRM comps may be different than those used in the Sales Comparison Approach. The Income\n\nApproach section enables the appraiser to report the sales used in the analysis of how the GRM for the subject was derived.\nIf there is an Income Approach, there must also be a rent schedule (Rental Information section must be included).\n\n•\n• All comps used in the GRM comparison grid must be settled sales. Comparable listings may be provided as additional support for the GRM and\n\nare reported in Income Approach Commentary (24.025) instead of the GRM comparison grid.\n\nIncome Approach displays when Income Approach Developed by Appraiser is Yes, and the “When to Include” column in this chapter reflect this.\n\nIncome Approach Developed by Appraiser\n\nReport\nField ID\n\nNot on\nReport\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\nAlways required\n\nYes | No\n\nIncome Approach Developed by Appraiser\n•\n•\n\nYes (The Income Approach section is included)\nNo (The Income Approach section is not included)\n\nGross Rent Multiplier Comparables\n\nKey Concepts\n\nThe Gross Rent Multiplier Comparables subsection provides detailed information about the properties (GRM comps) that were used to determine\nthe GRM for the subject property.\n\nSubject Property Information in the Income Approach section\n\nInformation previously entered for the subject property populates from the applicable section to Income Approach and does not have to be re-\nentered. The “Origin of Subject Property Information” column in this chapter shows the original location of the information.\n"}
diff --git a/chunks/json/58719d409f727fcb36ae9a6f80886a292919fc11622b2cd49d9a2152dec4101f.json b/chunks/json/58719d409f727fcb36ae9a6f80886a292919fc11622b2cd49d9a2152dec4101f.json
new file mode 100644
index 0000000000000000000000000000000000000000..a6b2d1d4aad42edc4da032444d36a93cf3f42fb3
--- /dev/null
+++ b/chunks/json/58719d409f727fcb36ae9a6f80886a292919fc11622b2cd49d9a2152dec4101f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":116803820,"char_start":0,"chunk_id":"chk_8b464859f94202e8","chunk_index":0,"chunk_sha256":"58719d409f727fcb36ae9a6f80886a292919fc11622b2cd49d9a2152dec4101f","date_utc":"2026-01-27T18:00:18+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_3ac888b9395cebf8","text_sha256":"58719d409f727fcb36ae9a6f80886a292919fc11622b2cd49d9a2152dec4101f","token_estimate":1000,"warnings":["source_path=ent_uad_puf_annual_csv_v2_1/_.csv/ent_uad_puf_2017_v2_1.csv"]},"text":"record_id: 1700206872000 | year: 2017 | weight: 20 | state_fips_2010: 27 | state_fips_2020: NA | county_fips_2010: 27039 | county_fips_2020: NA | tract_fips_2010: 27039950400 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 95000 | built_up: 2 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 3 | marketing_time: 2 | sales_range_high: 195000 | sales_range_low: 75000 | updated_last_15_years: 1 | lot_size: 5 | quality: 4 | condition: 4 | bathrooms: 1 | bedrooms: 1 | gross_living_area: 1 | median_adjustment: -12400 | average_adjustment: -12600 | adjusted_price: 105000 | number_comparables: 3 | same_tract_percent: 40 | calculated_proximity: 10 | reported_proximity: 10 | value_sale_comparison: 105000 | value_cost: 115000 | value_income: NA | appraised_value: 105000 | appraisal_to_contract: 107.2 | comparison_to_contract: 107.2 | dts_rural: 1\nrecord_id: 1700091878000 | year: 2017 | weight: 20 | state_fips_2010: 06 | state_fips_2020: NA | county_fips_2010: 06067 | county_fips_2020: NA | tract_fips_2010: 06067009638 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 1 | contract_price: 435000 | built_up: 1 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 1 | marketing_time: 1 | sales_range_high: 475000 | sales_range_low: 445000 | updated_last_15_years: 2 | lot_size: 2 | quality: 3 | condition: 3 | bathrooms: 3 | bedrooms: 2 | gross_living_area: 5 | median_adjustment: -17300 | average_adjustment: -16953 | adjusted_price: 435000 | number_comparables: 4 | same_tract_percent: 100 | calculated_proximity: 0.26 | reported_proximity: 0.26 | value_sale_comparison: 435000 | value_cost: 435000 | value_income: NA | appraised_value: 435000 | appraisal_to_contract: 100 | comparison_to_contract: 100 | dts_rural: 1\nrecord_id: 1700029037000 | year: 2017 | weight: 20 | state_fips_2010: 45 | state_fips_2020: NA | county_fips_2010: 45035 | county_fips_2020: NA | tract_fips_2010: 45035010813 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 205000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 1 | marketing_time: 1 | sales_range_high: 235000 | sales_range_low: 175000 | updated_last_15_years: 1 | lot_size: 3 | quality: 3 | condition: 3 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 4 | median_adjustment: -2160 | average_adjustment: -443 | adjusted_price: 205000 | number_comparables: 5 | same_tract_percent: 71 | calculated_proximity: 0.43 | reported_proximity: 0.43 | value_sale_comparison: 215000 | value_cost: 205000 | value_income: NA | appraised_value: 215000 | appraisal_to_contract: 100.1 | comparison_to_contract: 100.1 | dts_rural: 2\nrecord_id: 1700079170000 | year: 2017 | weight: 20 | state_fips_2010: 51 | state_fips_2020: NA | county_fips_2010: 51059 | county_fips_2020: NA | tract_fips_2010: 51059430400 | 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: 1 | sales_range_high: 555000 | sales_range_low: 555000 | updated_last_15_years: 1 | lot_size: 3 | quality: 4 | condition: 4 | bathrooms: 3 | bedrooms: 3 | gross_living_area: 4 | median_adjustment: -8225 | average_adjustment: -26312 | adjusted_price: 465000 | number_comparables: 2 | same_tract_percent: 100 | calculated_proximity: 0.45 | reported_proximity: 0.45 | value_sale_comparison: 475000 | value_cost: 485000 | value_income: NA | appraised_value: 475000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2\nrecord_id: 1700125830000 | year: 2017 | weight: 20 | state_fips_2010: 13 | state_fips_2020: NA | county_fips_2010: 13179 | county_fips_2020: NA | tract_fips_2010: 13179010501 | 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: 245000 | sales_range_low: 65000 | updated_last_15_years: 1 | lot_size: 4 | quality: 3 | condition: 3 |\n"}
diff --git a/chunks/json/58743352327b23f55593645c8a27d7bc8a17d29d4da541d2b2be29aa456d3415.json b/chunks/json/58743352327b23f55593645c8a27d7bc8a17d29d4da541d2b2be29aa456d3415.json
new file mode 100644
index 0000000000000000000000000000000000000000..589fc138466b725bf16917c2b62fc1c22dcac8e5
--- /dev/null
+++ b/chunks/json/58743352327b23f55593645c8a27d7bc8a17d29d4da541d2b2be29aa456d3415.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":2268,"char_start":1627,"chunk_id":"chk_73ac41640d8203ad","chunk_index":1,"chunk_sha256":"58743352327b23f55593645c8a27d7bc8a17d29d4da541d2b2be29aa456d3415","date_utc":"2026-01-27T17:46:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e3a016ca3e56fb55","text_sha256":"58743352327b23f55593645c8a27d7bc8a17d29d4da541d2b2be29aa456d3415","token_estimate":158,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae1.md","below_target_min_tokens"]},"text":"![image](Uniform_Appraisal_Dataset___Fannie_Mae1_plug.svg)\n\n[Get Started with UAD 3.6](#uad-36-resources)\n\n![image](Uniform_Appraisal_Dataset___Fannie_Mae1_fact-sheet.svg)\n\n[UAD 3.6 Documentation](#uad-documentation)\n\n![image](Uniform_Appraisal_Dataset___Fannie_Mae1_technology.svg)\n\n[UAD 2.6 and Resources](#uad-26-resources)\n\n#### Lender Preparedness Webinar Recording\n\n[]() ×\n\n> *[Iframe content not accessible: https://fanniemae.qumucloud.com/view/XircO1Beu7xameqeTvQnay?&autoplay=0]*\n\n![image](Uniform_Appraisal_Dataset___Fannie_Mae1_thumbnail)\n\n![image](Uniform_Appraisal_Dataset___Fannie_Mae1_UMDP_20logo_20May_202021.png)\n"}
diff --git a/chunks/json/587b9f1acbee7d2cd2844a6cfedf561995005257e25149888283cee9fbe060dc.json b/chunks/json/587b9f1acbee7d2cd2844a6cfedf561995005257e25149888283cee9fbe060dc.json
new file mode 100644
index 0000000000000000000000000000000000000000..74d6025f9e0fee37e6d36eb3a24ce360f5cc7412
--- /dev/null
+++ b/chunks/json/587b9f1acbee7d2cd2844a6cfedf561995005257e25149888283cee9fbe060dc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13370,"char_start":12083,"chunk_id":"chk_69b6226e18402df8","chunk_index":7,"chunk_sha256":"587b9f1acbee7d2cd2844a6cfedf561995005257e25149888283cee9fbe060dc","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_de834710100b36b4","text_sha256":"587b9f1acbee7d2cd2844a6cfedf561995005257e25149888283cee9fbe060dc","token_estimate":419,"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":"[Wave 39 (2023 Quarter 3)](/document/nsmo-questionnaire-wave-39.pdf)\n\n[Waves 35 to 38 (202​2 Quarter 3 to 2023 Quarter 2)](/document/nsmo-questionnaire-waves-35-to-38.pdf)\n\n[Waves 35 to 37 (202​2 Quarter 3 to 2023 Quarter 1)](/document/nsmo-questionnaire-waves-35-to-37.pdf)\n\n[Waves 31 to 34 (2021 Quarter 3 to 2022 Quarter 2)](/document/nsmo-questionnaire-waves-31-to-34.pdf)\n\n[Waves 29 and 30 (2021 Quarter 1 and 2021 Quarter 2)](/document/nsmo-questionnaire-waves-29-and-30)\n\n[Waves 26 to 28 (2020 Quarters 2 to 4)](/document/nsmo-questionnaire-waves-26-to-28)\n\n[Waves 25 (2020 Quarter 1)](/document/nsmo-questionnaire-wave-25)\n\n[Waves 23 and 24 (2019 Quarters 3 and 4)](/document/nsmo-questionnaire-waves-23-and-24)\n\n[Waves 19 to 22 (2018 Quarter 3 to 2019 Quarter 2)](/document/nsmo-questionnaire-waves-19-to-22)\n\n[Waves 15 to 18 (2017 Quarter 3 to 2018 Quarter 2)](/document/nsmo-questionnaire-waves-15-to-18)\n\n[Waves 13 and 14 (2017 Quarters 1 and 2)](/document/nsmo-questionnaire-waves-13-and-14)\n\n[Waves 11 and 12 (2016 Quarters 3 and 4)](/document/nsmo-questionnaire-waves-11-and-12)\n\n[Wave 10 (2016 Quarter 2)](/document/nsmo-questionnaire-wave-10)\n\n[Wave 9 (2016 Quarter 1)](/document/nsmo-questionnaire-wave-9)\n\n[Wave 8 (2015 Quarter 4)](/document/nsmo-questionnaire-wave-8)\n"}
diff --git a/chunks/json/5885626e10932a9f1b3db475d18ea7c6d285c09419226fe74608e12868906674.json b/chunks/json/5885626e10932a9f1b3db475d18ea7c6d285c09419226fe74608e12868906674.json
new file mode 100644
index 0000000000000000000000000000000000000000..f205b0e8ff85f7af4e47fc0a8418adc03aa7ce3f
--- /dev/null
+++ b/chunks/json/5885626e10932a9f1b3db475d18ea7c6d285c09419226fe74608e12868906674.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":679661,"char_start":678044,"chunk_id":"chk_cc0e94228846bcc1","chunk_index":402,"chunk_sha256":"5885626e10932a9f1b3db475d18ea7c6d285c09419226fe74608e12868906674","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5885626e10932a9f1b3db475d18ea7c6d285c09419226fe74608e12868906674","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Implementation 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\nThis is a free text field which should contain the supervisory appraiser’s company\nname.\n\nThis field should be populated if field 6-\n27 (Supervisor Name) is populated.\n\nThis field should be populated if there\nis a supervisory appraiser.\n\nShould conform to USPS (Pub 28). The following address element should be included\nin this field:\n• Street number\n• Street name (including applicable pre-directional indicator, suffix, and/or post-\ndirectional indicator)\n• Address unit designator and number (if applicable)\n\nShould conform to USPS (Pub 28). The following address element should be included\nin this field:\n• City\nShould conform to USPS (Pub 28). The following address element should be included\nin this field:\n• USPS two-letter state or territory representation\nShould conform to USPS (Pub 28). The following address element should be included\nin this field:\n• 5-digit ZIP Code or ZIP+4\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nDate/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\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\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nThis field should be populated if field 6-\n27 (Supervisor Name) is populated.\n\nThis field should be populated if field 6-\n27 (Supervisor Name) is populated.\n"}
diff --git a/chunks/json/588911c8d2c488f46fef17852f6f82ebaafd15fa5a9455efc15b1a3d35154d8d.json b/chunks/json/588911c8d2c488f46fef17852f6f82ebaafd15fa5a9455efc15b1a3d35154d8d.json
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+++ b/chunks/json/588911c8d2c488f46fef17852f6f82ebaafd15fa5a9455efc15b1a3d35154d8d.json
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+{"chunk":{"char_end":1727,"char_start":0,"chunk_id":"chk_323d34dc303994f0","chunk_index":0,"chunk_sha256":"588911c8d2c488f46fef17852f6f82ebaafd15fa5a9455efc15b1a3d35154d8d","date_utc":"2026-01-27T17:47:50+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_b1e83178ca9325f1","text_sha256":"588911c8d2c488f46fef17852f6f82ebaafd15fa5a9455efc15b1a3d35154d8d","token_estimate":527,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Language_Access___FHFA_58oybw8.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/policy/language-access\"\ndate_accessed: \"2026-01-27T17:47:50.158Z\"\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/589d609d791b11af9cb57472d64b7e37fc80f082032c6e560f3fe1e9e2a8159f.json b/chunks/json/589d609d791b11af9cb57472d64b7e37fc80f082032c6e560f3fe1e9e2a8159f.json
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@@ -0,0 +1 @@
+{"chunk":{"char_end":1780,"char_start":0,"chunk_id":"chk_5784a088b94a8780","chunk_index":0,"chunk_sha256":"589d609d791b11af9cb57472d64b7e37fc80f082032c6e560f3fe1e9e2a8159f","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"589d609d791b11af9cb57472d64b7e37fc80f082032c6e560f3fe1e9e2a8159f","token_estimate":445,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix C‐1: URAR 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\nVersion   Report Section\n\n9/17/2024\n\n1.2\n\n12/12/2023\n\n1.1\n\n3/29/2023\n\n1.0\n\nIntroduction\n\nFooter\nMarket\nIncome Approach\nRevision History\nFooter\n\nMarket\n\nChange #\n2024‐028\n2024‐024\n2024‐051\n2024‐043\n2023‐061\n2023‐001\n\n2023‐031\n\nCertifications and\nScope of Work\n\n2023‐003\n\nRevision Description\nUpdated date in Footer (HF.004) to September 2024.\nDeleted Property Value Trend (17.020).\nCorrected Report Field IDs for GRM Comp photos and captions (added 24.009.2).\nAdded the Reconsideration of Value subsection (27.003‐27.006).\nUpdated date in Footer (HF.004) to December 2023.\nRemoved the “Under Review” watermark.\nDeleted Subject Conforms to Surrounding Area (17.000), Reason (17.001), and Description\n(17.002).\nChanged Report Label to Market Area Boundary (17.003).\nUpdated predefined text for Appraiser Certifications 18 (29.038), 24 (29.045), and 25 (29‐\n046), and all Supervisory Appraiser Certifications (29.056‐060, 29.071‐074).\nClarified that Contact Name(s) (29.042) display for Appraiser Certification 21.\nInitial publication\n\nThe purpose of this document is to show all possible Report Labels that may display on the URAR, regardless of\nconditionality. This is not intended to represent a realistic report as an appraisal will never contain all of the\navailable fields in one report. The red superimposed number is the Report Field ID.\n"}
diff --git a/chunks/json/58a22882434dbdb818364998711c4e331a8fd1ef4ab0809b4b0daa10f1afcbb8.json b/chunks/json/58a22882434dbdb818364998711c4e331a8fd1ef4ab0809b4b0daa10f1afcbb8.json
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+{"chunk":{"char_end":30259,"char_start":28602,"chunk_id":"chk_adeb29f729242fdd","chunk_index":9,"chunk_sha256":"58a22882434dbdb818364998711c4e331a8fd1ef4ab0809b4b0daa10f1afcbb8","date_utc":"2026-01-27T18:02:18+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_be724e97682c8adf","text_sha256":"58a22882434dbdb818364998711c4e331a8fd1ef4ab0809b4b0daa10f1afcbb8","token_estimate":519,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Servicing_Management_Default_Underwriter__SMDU_____wvpfq9.md"]},"text":"![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg)\n\n### 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/58a4ccd8de300c634ea0b4fbde8920c8baf92f523777e0614560a0565cb3799e.json b/chunks/json/58a4ccd8de300c634ea0b4fbde8920c8baf92f523777e0614560a0565cb3799e.json
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index 0000000000000000000000000000000000000000..fb3c216fa8d35bce9943bbe52f87690b813770cd
--- /dev/null
+++ b/chunks/json/58a4ccd8de300c634ea0b4fbde8920c8baf92f523777e0614560a0565cb3799e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1709,"char_start":0,"chunk_id":"chk_740154cd98234be8","chunk_index":0,"chunk_sha256":"58a4ccd8de300c634ea0b4fbde8920c8baf92f523777e0614560a0565cb3799e","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_803e35193cb4a939","text_sha256":"58a4ccd8de300c634ea0b4fbde8920c8baf92f523777e0614560a0565cb3799e","token_estimate":523,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Blogs___FHFA_0tygc.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/blog\"\ndate_accessed: \"2026-01-27T17:47:50.485Z\"\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/58c3c96f30a46fda1e74fb5629ab61e5f0edf9ed5193652ee0d950fa57a3fa22.json b/chunks/json/58c3c96f30a46fda1e74fb5629ab61e5f0edf9ed5193652ee0d950fa57a3fa22.json
new file mode 100644
index 0000000000000000000000000000000000000000..516d9e85db3726ed1dc3c526987ecb79316ff0a4
--- /dev/null
+++ b/chunks/json/58c3c96f30a46fda1e74fb5629ab61e5f0edf9ed5193652ee0d950fa57a3fa22.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11555,"char_start":9954,"chunk_id":"chk_0693c24030985ab8","chunk_index":6,"chunk_sha256":"58c3c96f30a46fda1e74fb5629ab61e5f0edf9ed5193652ee0d950fa57a3fa22","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"58c3c96f30a46fda1e74fb5629ab61e5f0edf9ed5193652ee0d950fa57a3fa22","token_estimate":400,"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":"Condition 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\nAdd comment if needed.\n\nTypical Wear and Tear\n\nRust noted on the roof.\nMetal galvanized roofs can\ndeteriorate when rust forms.\nNo ruptures or leaks noted at\nthe time of inspection.\n\nWindows\n\nInsulated\n\nAdd comment if needed.\n\nNew or Like New\n\nAdd comment if needed.\n\nMechanical System Details\n\nHeating\n\nCooling\n\nSystem\nNone\n\nNone\n\nDetail\nTypical for Market\n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior - Building 1)\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nRoof\n\nLocation\nEntire Roof\n\nDescription\nRust noted on the roof. Metal galvanized roofs\ncan deteriorate when rust forms. No ruptures\nor leaks noted at the time of inspection.\n\nAffects Soundness or\nStructural Integrity\nNo\n\nRecommended\nAction\nNone\n\nDwelling Exterior Commentary\n\nUtilities were on and functioning during time of inspection.\n\nDwelling Exterior Exhibits\n\nDwelling Rear\n\nApparent Defects, Damages, Deficiencies - Roof\n\nThis is where the Dwelling 1 Rear photo would display.\n\nThis is where the Dwelling 1 Roof 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 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"}
diff --git a/chunks/json/58ca0365a2d65e81e4325f056f6f3030f507b2a498cfd58ee4620f69b420e2f3.json b/chunks/json/58ca0365a2d65e81e4325f056f6f3030f507b2a498cfd58ee4620f69b420e2f3.json
new file mode 100644
index 0000000000000000000000000000000000000000..f0add0999dc0d420dc5a3464aa0f782eca466966
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+++ b/chunks/json/58ca0365a2d65e81e4325f056f6f3030f507b2a498cfd58ee4620f69b420e2f3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":39904,"char_start":38116,"chunk_id":"chk_1830770ec637c037","chunk_index":23,"chunk_sha256":"58ca0365a2d65e81e4325f056f6f3030f507b2a498cfd58ee4620f69b420e2f3","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"58ca0365a2d65e81e4325f056f6f3030f507b2a498cfd58ee4620f69b420e2f3","token_estimate":447,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"Definition 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/58e9d13132dbcb122a2fe4fbe5df00f6b90f37ebf71e601974cca4d49ff17754.json b/chunks/json/58e9d13132dbcb122a2fe4fbe5df00f6b90f37ebf71e601974cca4d49ff17754.json
new file mode 100644
index 0000000000000000000000000000000000000000..aa94ed226991b4ba2b8337b24701f247c5f455f8
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+++ b/chunks/json/58e9d13132dbcb122a2fe4fbe5df00f6b90f37ebf71e601974cca4d49ff17754.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":35712,"char_start":34114,"chunk_id":"chk_5311f4ec7d95dcb2","chunk_index":21,"chunk_sha256":"58e9d13132dbcb122a2fe4fbe5df00f6b90f37ebf71e601974cca4d49ff17754","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"58e9d13132dbcb122a2fe4fbe5df00f6b90f37ebf71e601974cca4d49ff17754","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":".PROPERTY\n..LISTING_HISTORY\nListed Within Previous Year Indicator**\n\nListed Within Previous Year Description**\n\n.PROPERTY\n..PROPERTY_ANALYSIS\nProperty Analysis Type**\n\nProperty Analysis Exists Indicator**\n\nProperty Analysis Comment**\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\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nR\n\nR\n\nT\n\nR,T*\n\nR,T*\n\nR,T*\n\nR,T*\n\nT\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\nT\n\nT\n\nT\n\nT\nT\n\nT\n\nT\n\nCR\nR\n\nCR\nR\n\nCR\nR\n\nCR\nR\n\nR\nT\nR,T*\n\nR\nT\nR,T*\n\nR\nT\nR,T*\n\nR\nT\nR,T*\n\nPage 18 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\nPROPERTY\n._OWNER\n..PROPERTY_OWNER_EXTENSION\n…PROPERTY_OWNER_EXTENSION_SECTION\nExtension Section Organization Name\n….PROPERTY_OWNER_EXTENSION_SECTION_DATA\n…..PROPERTY_OWNER\nGSE Property Owner Name\n\n.PROPERTY\n..SALES_CONTRACT\nSales Contract Date**\n\nSales Contract Amount**\n\nSales Contract Reviewed Indicator**\n\nSales Contract Review Comment**\n\nSeller Is Owner Indicator\n\nSales Concession Indicator\n\nData Source Description\n\nSales Concession Description\n\nSales Concession Amount\n\n.PROPERTY\n..SALES_CONTRACT\n...SALES_CONTRACT_EXTENSION\n....SALES_CONTRACT_EXTENSION_SECTION\nExtension Section Organization Name\n…..SALES_CONTRACT_EXTENSION_SECTION_DATA\n…...SALE_TRANSACTION\nGSE Sale Type\n"}
diff --git a/chunks/json/58ee981c2ecf450540084420a47b4b4924ede21593268bde8f0e5fef545e3460.json b/chunks/json/58ee981c2ecf450540084420a47b4b4924ede21593268bde8f0e5fef545e3460.json
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index 0000000000000000000000000000000000000000..707a83478d0c2ec18fbc387f8b68a71e23ed077b
--- /dev/null
+++ b/chunks/json/58ee981c2ecf450540084420a47b4b4924ede21593268bde8f0e5fef545e3460.json
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+{"chunk":{"char_end":6745,"char_start":5119,"chunk_id":"chk_2f067a51965c7f6b","chunk_index":3,"chunk_sha256":"58ee981c2ecf450540084420a47b4b4924ede21593268bde8f0e5fef545e3460","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e7b4ddc2d288ca6b","text_sha256":"58ee981c2ecf450540084420a47b4b4924ede21593268bde8f0e5fef545e3460","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/quick-guide-ucd-enhancements-oct-12-2022.pdf"]},"text":"Fatal 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\n© 2022 Fannie Mae\n\nOctober 2022 Page 3\nof 4\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\nUCD Feedback Messages have been updated to reflect a total of 26 edits that will transition to fatal on March 31, 2022.\n\nAdditional Resources:\nUniform Closing Dataset Critical Edits Implementation Timeline\n\nUCD Critical Edits Matrix\n\nMarch 17\n\nUCD Critical Edits -\n\nPhase 2\n\nTo further refine UCD Phase 2 data quality, the following edit will revert to only check for null, effective March 17, 2022. The\nedit feedback message is as follows:\n\nImplementation\n\nWarning to Fatal edit 3411: A Cash to Close Total Final Amount is required.\n\nMarch 9\n\nUCD Critical Edits -\n\nPhase 2\n\nImplementation\n\nFebruary 17\n\nUCD Critical Edits -\n\nPhase 1\n\nImplementation\n\nEffective\nDate\n\nFebruary 17\n\nImpacted Area\n\nMortgage Insurer\nName Change\n\nWarning to Fatal edits 3404, 3405, 3406, 3407, 3408, and 3409 will not transition to fatal on March 31, 2022, as originally\nannounced as part of UCD Phase 2.\n"}
diff --git a/chunks/json/58f3582a7c905a37108d4541b079b917d364876307a307014121a3c3eb5dcb3d.json b/chunks/json/58f3582a7c905a37108d4541b079b917d364876307a307014121a3c3eb5dcb3d.json
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index 0000000000000000000000000000000000000000..8a08a7a1265637587bdf0b247a73165b081a9334
--- /dev/null
+++ b/chunks/json/58f3582a7c905a37108d4541b079b917d364876307a307014121a3c3eb5dcb3d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":23662,"char_start":21934,"chunk_id":"chk_9d08e82c887113a2","chunk_index":14,"chunk_sha256":"58f3582a7c905a37108d4541b079b917d364876307a307014121a3c3eb5dcb3d","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d0defc84ceb13d55","text_sha256":"58f3582a7c905a37108d4541b079b917d364876307a307014121a3c3eb5dcb3d","token_estimate":436,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Engagements___FHFA_fwmvlq.md"]},"text":"Time: 1:00 PM - 4:00 PM\n\nLocation: Online Event\n\n[Multifamily Small Lender Access Public Listening Session Agenda, Transcript, and Video](/news/videos/multifamily-small-lender-access)\n\n---\n\n## **March 2021**\n\n## **Enterprise Housing Goals Listening Session**\n\nDate: 3/25/2021\n\nTime: 1:00 - 4:00 PM\n\nLocation: Online Event\n\n[Enterprise Housing Goals Public Listening Session Agenda, Transcript, Presentations, Video, and News Release](/news/videos/enterprise-housing-goals-anpr)\n\n## [**FHFA Public Listening Session on Climate and Natural Disaster Risk Management at the Regulated Entities**](/news/videos/climate-and-natural-disaster-risk-management-at-the-regulated-entities)\n\nDate: 3/4/2021\n\nTime: 1:00 - 4:00 PM\n\nLocation: Online Event\n\n[Climate and Natural Disaster Risk Public Listening Session Agenda, Presentations, Video, RFI, and News Release](/news/videos/climate-and-natural-disaster-risk-management-at-the-regulated-entities)\n\n---\n\n## **February 2021**\n\n## [**FHFA Econ Summit**](/news/public-engagements/econ-summit/february-2021)**​**\n\nDate: 2/23/2021\n\nTime: 9:00 AM - 1:00 PM\n\nLocation: Online event\n\n[Presentations:](/news/public-engagements/econ-summit/february-2021) Commercial Real Estate Update: Implications for Mortgage Markets; The COVID-19 Labor Market and the Future of Work; Economic and Mortgage Market Outlook; Locked in by Leverage: Job Search during the Housing Crisis; Searching, Recalls, and Tightness: An Interim Report on the COVID Labor Market; and Temporary Unemployment and Labor Market Dynamics During the COVID-19 Recession\n\n## **​​**[**FHFA Public Listening Session on Appraisal-Related Policies, Practices and Processes**](/news/videos/appraisal-related-policies-practices-and-processes)\n"}
diff --git a/chunks/json/59026284abaf4c786d24cba1b94d61aa8ec233c45162361e5d056be3a8a396ab.json b/chunks/json/59026284abaf4c786d24cba1b94d61aa8ec233c45162361e5d056be3a8a396ab.json
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index 0000000000000000000000000000000000000000..e983f36550a317cd5aacb91f57bd40ffe6d16e4f
--- /dev/null
+++ b/chunks/json/59026284abaf4c786d24cba1b94d61aa8ec233c45162361e5d056be3a8a396ab.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":255819,"char_start":254202,"chunk_id":"chk_c8550cc1b8c50eac","chunk_index":150,"chunk_sha256":"59026284abaf4c786d24cba1b94d61aa8ec233c45162361e5d056be3a8a396ab","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"59026284abaf4c786d24cba1b94d61aa8ec233c45162361e5d056be3a8a396ab","token_estimate":405,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Post and Pier\n\nA foundation style that consists of a series of posts connected to a frame that supports the structure above ground level.\n\nRunner\n\nSlab\n\nA foundation style that consists of rows of concrete footings poured into the ground intended to support the structure.\n\nA foundation style that consists of a slab of concrete that sits directly on grade supporting the structure.\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nRoof\n\nThe Roof row always displays in the Exterior Features table.\n\nDwelling Exterior: Quality and Condition - Exterior Features - Roof\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n8.033\n\nDetail\n\nAlways required\n\nYes | No\n\nDefinition / Additional Guidance\n\nRoof Observable: Indicates whether the majority of the roof is observable from\nground level.\n•\nYes\n•\nNo (the individual performing the inspection was unable to make an\ninformed determination on the condition status of the roof, such as when\nthe roof is snow-covered)\n\nNotes:\n•\n\nIf No, “(Unobservable)” displays. When the appraiser is unable to view the\nroof, explain why the roof is unobservable and report the results based on\nthe assessment of the ceilings in Dwelling Exterior Commentary (8.061).\nFor government agency appraisals, reference the appropriate guidelines.\n\n•\n\n8.033\n\nDetail\n\nAlways required\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nRoof Material\n•\nAsbestos\n•\nAsphalt\n•\nCeramic Tile\n•\nClay\n•\nComposition\n•\nConcrete\n•\nCopper\n• Metal\n•\n•\n•\n•\n•\n• Wood\n•\n\nRubber\nSlate\nSolar Shingles\nSynthetic\nTar/Gravel\n"}
diff --git a/chunks/json/5909edf1b6ff56e6fe5390ce9c99ca72203574e1e586be546e9b7d59805f2729.json b/chunks/json/5909edf1b6ff56e6fe5390ce9c99ca72203574e1e586be546e9b7d59805f2729.json
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index 0000000000000000000000000000000000000000..83a7cefcef0a963c315bae46f4d4dea1a9700ed1
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+++ b/chunks/json/5909edf1b6ff56e6fe5390ce9c99ca72203574e1e586be546e9b7d59805f2729.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":230001,"char_start":228398,"chunk_id":"chk_1f9fa16d816497da","chunk_index":117,"chunk_sha256":"5909edf1b6ff56e6fe5390ce9c99ca72203574e1e586be546e9b7d59805f2729","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"5909edf1b6ff56e6fe5390ce9c99ca72203574e1e586be546e9b7d59805f2729","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"80340; (c)(5), pp. 80115-80116.\n\nAppendix E: UCD Implementation Guide\n\nPage 103 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n6.0 Costs at Closing\n\n6.0 COSTS AT CLOSING\n\nThe Costs at Closing table is included in the following Closing Disclosure Types:\n\nTable 89. 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\n6.0\n\nCosts at Closing\n\n✓\n\n✓\n\nNon-Seller Transactions Only\nAlternate Form\n\nAdds designation From/To\nBorrower\n\nThe Costs at Closing table is a snapshot of the amount of funds the borrower(s) either:\n\na. Will need to bring to the table at closing to complete the transaction or\n\nb. Will receive at closing upon completion of the transaction.\n\nAll the amounts shown in the Costs at Closing table are values calculated in other locations within the Closing\nDisclosure. See 1. Mapping Guidance.\n\nCosts at Closing\n\n6.0\n\n6.1 Closing Costs\n\n6.1.1$9,712.10\n\nIncludes 6.1.2 $4,694.05 in Loan Costs + 6.1.3 $5,018.05 in Other\nCosts – 6.1.4 $0 in Lender Credits. See page 2 for details.\n\n6.2 Cash to Close\n\n6.2.1$14,147.26\n\nIncludes Closing Costs. See Calculating Cash to Close on page 3 for\ndetails.\n\nFigure 72. Costs At Closing Table - Purchase\n\nA. FOR MORE I NFORMAT I ON\n\n6.1\n\nReg §1026.38(d), pp. 80121, 80005; Cross reference to §1026.37(d) pp. 80116, 79949.\n\n6.2\n\nReg §1026.38(d), (d)(2), (e), pp. 80121, 80352, 80005; Cross reference to §1026.37(d) pp. 80116, 79949.\n\nAppendix E: UCD Implementation Guide\n\nPage 104 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n6. 1 CLOSI NG COSTS\n"}
diff --git a/chunks/json/590ac4c8cb772b2088da216f28a3072167d703afcb29af88ae8e1dd266e50bed.json b/chunks/json/590ac4c8cb772b2088da216f28a3072167d703afcb29af88ae8e1dd266e50bed.json
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index 0000000000000000000000000000000000000000..aa10e39ca42f88aab369c2ecfcc653d5f6b0769f
--- /dev/null
+++ b/chunks/json/590ac4c8cb772b2088da216f28a3072167d703afcb29af88ae8e1dd266e50bed.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":50606,"char_start":48914,"chunk_id":"chk_cbcc62dce17229dd","chunk_index":37,"chunk_sha256":"590ac4c8cb772b2088da216f28a3072167d703afcb29af88ae8e1dd266e50bed","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"590ac4c8cb772b2088da216f28a3072167d703afcb29af88ae8e1dd266e50bed","token_estimate":423,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"I have performed services regarding the subject property within the three years\npreceding the agreement to perform this assignment.\n\n05.026\n\n14\n\n05.027\n\n15\n\n15\n\nPage 43\n\nDisplay Rules\n\nAlways displays\nDisplay when the Assignment\nsection indicates PartyRoleType <>\n\"SignificantRealPropertyAppraisalA\nssistance\" for any Contacts\nDisplay when the Assignment\nsection indicates PartyRoleType =\n“SignificantRealPropertyAppraisalA\nssistance\" for one or more Contacts\nDisplay when the Assignment\nsection indicates PartyRoleType =\n\"SignificantRealPropertyAppraisalA\nssistance\"\nFor each party:\n- FirstName and LastName are\n\nRequired.\n\n- Deliver MiddleName or\n\nSuffixName when provided.\nSeparate multiple names with\n'and'.\n\nAlways displays\n\nDisplay when\nAppraiserPriorServicesPerformedIn\ndicator = \"false\"\nDisplay when\nAppraiserPriorServicesPerformedIn\ndicator = \"true\"\n\nDescription of Prior Services - AppraiserPriorServicesPerformedDescription (UID: 2200.0155, FID: 05.028) is required when\nAppraiserPriorServicesPerformedIndicator (UID: 2200.0074, FID: 05.027) = “true”.\n\nPage 44\n\nWhen Additional Appraiser Certifications – AppraiserAdditionalCertificationIndicator (UID: 2200.0043, FID: Not on report) =\n\n•\n\n“true”\n\no Display sub-header: Additional Appraiser Certifications (FID: 05.029)\no Display in italics below sub-header: Additional Appraiser Certifications cannot be contrary to the original Appraiser Certifications.\no Deliver ValuationAdditionalCertificationIncludedByType (UID: 2200.0020, FID: Not on report) = “Appraiser”\no Display the text from ValuationAdditionalCertificationText (UID: 2200.0019, FID: 05.030) and deliver in XML.\no Additional certifications are numbered starting at 1.\n"}
diff --git a/chunks/json/591ee4371febdc0b5dc285e52a50f9fa76b8c9d0990527c64decb14bdea6472c.json b/chunks/json/591ee4371febdc0b5dc285e52a50f9fa76b8c9d0990527c64decb14bdea6472c.json
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index 0000000000000000000000000000000000000000..cb6d1255fe835bc2f225ed570df9ecbf990ee2c1
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+++ b/chunks/json/591ee4371febdc0b5dc285e52a50f9fa76b8c9d0990527c64decb14bdea6472c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10045,"char_start":8442,"chunk_id":"chk_7058b5d08ac052fd","chunk_index":5,"chunk_sha256":"591ee4371febdc0b5dc285e52a50f9fa76b8c9d0990527c64decb14bdea6472c","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"591ee4371febdc0b5dc285e52a50f9fa76b8c9d0990527c64decb14bdea6472c","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"Document File ID\n\nA unique identifier assigned by UCDP to all appraisal document\nsubmissions associated with a property.\n\nLender Loan Number\n\nThe unique Loan Number assigned by the lender. The Lender Loan Number\nis provided by the submitter of the first appraisal report submission and\ncan be subsequently updated (i.e., corrected) by the submitter.\n\nLender Name\n\nThe name of the lending organization submitting the appraisal report to\nUCDP.\nNote: The Lender Name may differ between each GSEs’ SSR.\n\nS/SN or Non S/SN\n(FNM)\n\nS/SN or TPO# (FRE)\n\nSeller Number\n\nThe number or identifier assigned to a lender, (i.e., seller, non-seller or\nthird-party originator), used to associate the appraisal submission with\nthat lender.\nNote: The Seller Number may differ between each GSEs’ SSR.\n\nReport Date Time\n\nDate and time when the report was generated by the GSE.\n\nDelivery S/SN\n\nDelivery Seller Number\n\nThe Freddie Mac Seller/Servicer number used for delivery.\n\nLoan Prospector* Key\n\nThe Freddie Mac-specific number that refers to the Loan Product Advisor®\n(LPA®) AUS Key.\n\n*Fannie Mae (FNM); Freddie Mac (FRE)\n\nAppears on…\n[FNM, FRE, Both] *\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nFRE\n\nFRE\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\nDocument Level Results\nThe Document Level Results summarize the results of each appraisal report file submitted under a Document File ID.\n\nLoan Metadata\n\nDocument File ID\n"}
diff --git a/chunks/json/5921f5a2cde77c90bc63cd13f664a01d48134979d6ecf81e916b2f0f3dc880ec.json b/chunks/json/5921f5a2cde77c90bc63cd13f664a01d48134979d6ecf81e916b2f0f3dc880ec.json
new file mode 100644
index 0000000000000000000000000000000000000000..dd37e72a38abcf8d59108fe7576153ff5ae31923
--- /dev/null
+++ b/chunks/json/5921f5a2cde77c90bc63cd13f664a01d48134979d6ecf81e916b2f0f3dc880ec.json
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+{"chunk":{"char_end":54196,"char_start":53694,"chunk_id":"chk_7a3dc88f03cb2a37","chunk_index":84,"chunk_sha256":"5921f5a2cde77c90bc63cd13f664a01d48134979d6ecf81e916b2f0f3dc880ec","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"5921f5a2cde77c90bc63cd13f664a01d48134979d6ecf81e916b2f0f3dc880ec","token_estimate":471,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"20 Sales Contract ................................................................................................................................................................................................................................. 263\n\nOverview ................................................................................................................................................................................................................................................ 263\n"}
diff --git a/chunks/json/59385ce333b1a91d652208a9d54c7dfc86d7d486b68824194a1febe1718107ec.json b/chunks/json/59385ce333b1a91d652208a9d54c7dfc86d7d486b68824194a1febe1718107ec.json
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+++ b/chunks/json/59385ce333b1a91d652208a9d54c7dfc86d7d486b68824194a1febe1718107ec.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":301999,"char_start":300185,"chunk_id":"chk_98b4b9faa38ffdbc","chunk_index":166,"chunk_sha256":"59385ce333b1a91d652208a9d54c7dfc86d7d486b68824194a1febe1718107ec","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"59385ce333b1a91d652208a9d54c7dfc86d7d486b68824194a1febe1718107ec","token_estimate":454,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Determining the Capitalization Rate\n\nWhen the neighborhood or market area has an active real estate market that includes sales of properties owned as fee simple\nestates and sales of properties subject to leasehold estates other than those held by community land trusts, the appraiser can use\nthe most direct method for determining the capitalization rate, extracting it from the market activity. To extract the capitalization\nrate, the appraiser must divide the annual ground rent for the properties subject to leasehold estates by the difference in the\nsales prices for the comparable sales of properties owned as fee simple estates and the comparable sales of properties subject to\nleasehold estates.\n\nIf there are no available comparable sales of properties subject to leasehold estates other than those held by a community land\ntrust, the appraiser must develop a capitalization rate by comparing alternative low-risk investment rates, such as the rates for\nlong-term bonds, and selecting a rate that best reflects a “riskless” (safe) rate.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 114 of 166\n\nUAD 3.6 Policy\n\nDetermining the Leasehold Value\n\nTo determine the leasehold value of the subject property, the appraiser must first convert the annual income from the community\nland trust’s ground lease into a leased fee value by dividing the income by the market-derived capitalization rate. The appraiser\nmust then reduce the estimated fee simple value of the subject property by this leased fee value to arrive at their opinion of the\nleasehold value of the subject property.\n\nFor example, assume that the annual ground rent from the community land trust’s ground lease is $300, the market-derived\ncapitalization rate is 5.75%, and the estimated fee simple value of the subject property is $100,000:\n"}
diff --git a/chunks/json/59455c9b84aed6cbc6f77dbd0243cf6bbb8cce3803c1171dca0987a984d26486.json b/chunks/json/59455c9b84aed6cbc6f77dbd0243cf6bbb8cce3803c1171dca0987a984d26486.json
new file mode 100644
index 0000000000000000000000000000000000000000..4b69f2fb97bc820d0f00219a1fba913066f6c5d8
--- /dev/null
+++ b/chunks/json/59455c9b84aed6cbc6f77dbd0243cf6bbb8cce3803c1171dca0987a984d26486.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":313278,"char_start":311025,"chunk_id":"chk_dc5b265bcd72bad1","chunk_index":172,"chunk_sha256":"59455c9b84aed6cbc6f77dbd0243cf6bbb8cce3803c1171dca0987a984d26486","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"59455c9b84aed6cbc6f77dbd0243cf6bbb8cce3803c1171dca0987a984d26486","token_estimate":564,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Lender Responsibilities Related to Special Assessment or Community Facilities Districts\nSpecial Assessment Districts\n\n• Overview\n•\n•\n• Appraisal Requirements for Properties Located in Special Assessment Districts\n• Community Facilities Districts\n• Appraisal Requirements for Properties Located in Community Facilities Districts\n\nOverview\n\nAlternative methods for raising the capital necessary to satisfy utility and infrastructure requirements are sometimes used in the\ndevelopment of new residential communities. In some instances, this involves the creation of local districts called special\nassessment districts or community facilities districts that have the authority to assess homeowners for the cost of developing\nutility services and various infrastructure facilities, including, but not limited to, roads, sewer services, schools, police and fire\nprotection services, and libraries.\n\nLender Responsibilities Related to Special Assessment or Community Facilities Districts\n\nFannie Mae expects the lender to know if a property is located in one of these districts and to be aware of the effect that\nassessments levied by the district could have on property values and the marketability of the subject property. The lender’s\nappraiser, therefore, must give special consideration to the valuation of properties located in these districts.\n\nSpecial Assessment Districts\n\nSpecial assessment districts, also called special tax districts or municipal utility districts, provide a specific service to\nhomeowners living in a designated area. They are most often established to provide water or other utilities in areas that are not\nserved by existing city or municipal utility services. The need for these districts arises when an existing utility service does not\nhave sufficient capacity, or may not find it economically feasible to provide services for newly created subdivisions that are\nlocated beyond its current operating area. State law governing the establishment of special assessment districts varies greatly, as\ndoes the financial strength of the individual districts. These districts are granted the authority to assess owners of properties\nwithin their boundaries for funds that will be used to cover their operating costs and debt service.\n"}
diff --git a/chunks/json/594eab80945438145b1fdebf12743c1bcae56b7e8583fc167b5dc17c7aa791e7.json b/chunks/json/594eab80945438145b1fdebf12743c1bcae56b7e8583fc167b5dc17c7aa791e7.json
new file mode 100644
index 0000000000000000000000000000000000000000..12c7e451c7820db0de04ea22d31575a268895feb
--- /dev/null
+++ b/chunks/json/594eab80945438145b1fdebf12743c1bcae56b7e8583fc167b5dc17c7aa791e7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":28064,"char_start":26365,"chunk_id":"chk_450ce0939cee8a0e","chunk_index":16,"chunk_sha256":"594eab80945438145b1fdebf12743c1bcae56b7e8583fc167b5dc17c7aa791e7","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e27a00af35fdbad9","text_sha256":"594eab80945438145b1fdebf12743c1bcae56b7e8583fc167b5dc17c7aa791e7","token_estimate":425,"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":"0.06 Miles NW\n\n0.03 Miles SW\n\n$880,000\n\nPending\n\n$880,000\n\n—\n\n$0\n\n$875,000\n\nPending\n\n$866,000\n\nNo\n\nNo\n\n04/10/2019\n\n05/01/2019\n\n30\n\nAttached\n\nFee Simple\n\n—\n\n15\n\nAttached\n\nFee Simple\n\nUnknown\n\n06/01/2019\n\n—\n\n19\n\nAttached\n\nFee Simple\n\n1,765 Sq. Ft.\n\n1,976 Sq. Ft.\n\n$0\n\n2,111 Sq. Ft.\n\n$890,000\n\nPending\n\n$880,000\n\n—\n\n$0\n\n$0\n\n$0\n\n$0\n\nSite Influence (Location)\n\nBusy Roadway | Park\n\nBusy Roadway\n| Park\n\nView | Range\n\nResidential | Full\n\nResidential | Full\n\nDwelling(s)\n\nYear Built\n\n2016\n\n2015\n\n$0\n\nStructure Design\n\nRowhouse/Townhouse\n\nTownhouse End Unit\n\nTownhouse Back to Back\n\nYes\n\nNo\n\nTownhouse Location\n\nNo Units Above/Below\n\nRowhouse/\nTownhouse\n\nYes\n\nNo\n\nNo Units\nAbove/Below\n\nBusy Roadway\n| Park\n\nResidential | Full\nCommercial\n| Partial\n\n2016\n\nRowhouse/\nTownhouse\n\nYes\n\nNo\n\nNo Units\nAbove/Below\n\nHeating\n\nForced Warm Air | Natural Gas\n\nForced Warm Air\n\nForced Warm Air\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\n5\n\n4 | 1\n\n4\n\n3 | 2\n\n$0\n\n$5,000\n\n4\n\n3 | 2\n\n3,308 Sq. Ft.\n\n3,442 Sq. Ft.\n\n$0\n\n3,442 Sq. Ft.\n\n$0\n\n$5,000\n\n$0\n\n720 Sq. Ft.\n\n72 Sq. Ft.\n\n420 Sq. Ft.\n\n$6,000\n\n420 Sq. Ft.\n\n$6,000\n\n272 Sq. Ft.\n\n$0\n\n272 Sq. Ft.\n\n$0\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nQuality\n\nExterior Walls and Trim\n\nCondition\n\nInterior Quality and Condition\n\nQuality\n\nCondition\n\nQ3\n\nBrick | Wood\n\nQ3\n\nBrick | Wood\n\nQ3\n\nBrick | Wood\n\nC3\n\nQ2\n\nC3\n\nC3\n\nQ2\n\nC3\n\nC3\n\nQ2\n\nC3\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQuality\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 2024\n"}
diff --git a/chunks/json/595793dd27b73b569e8264ba8db5496cbf00cd64cc89ec7b2ea1ea5de70e670f.json b/chunks/json/595793dd27b73b569e8264ba8db5496cbf00cd64cc89ec7b2ea1ea5de70e670f.json
new file mode 100644
index 0000000000000000000000000000000000000000..df7166cf291f42e51d28c44d2afe5b272673ee61
--- /dev/null
+++ b/chunks/json/595793dd27b73b569e8264ba8db5496cbf00cd64cc89ec7b2ea1ea5de70e670f.json
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+{"chunk":{"char_end":1225012,"char_start":1223394,"chunk_id":"chk_a2bff051a04dab99","chunk_index":727,"chunk_sha256":"595793dd27b73b569e8264ba8db5496cbf00cd64cc89ec7b2ea1ea5de70e670f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"595793dd27b73b569e8264ba8db5496cbf00cd64cc89ec7b2ea1ea5de70e670f","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"9\n\nMoney\n\nSALES\nCOMPARISON\nAPPROACH\n\nData Source (s)\nCOMPARABLE\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/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/PRI\nOR_SALES/@DataSourceDescription\n\n30\n\nString\n\n367\n\n2\n\n121\n\nSALES\nCOMPARISON\nAPPROACH\n\nEffective Date of Data Source (s)\nCOMPARABLE\n\nData Source\nEffective Date\n\nThe effective date of the source of\ninformation.\n\nSALES\nCOMPARISON\nAPPROACH\n\nAnalysis of prior sale or transfer\nhistory of the subject property\nand comparable sales.\n\nGSE Prior Sale\nComment\n\nAnalysis of the prior sale(s) of the subject\nand comparable sales.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/PRI\nOR_SALES/@DataSourceEffectiveDate\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0’]/PRIOR\n_SALES/PRIOR_SALES_EXTENSION/PRIOR_SALES_EXTENSION_S\nECTION[@ExtensionSectionOrganizationName\n='UNIFORM APPRAISAL DATASET ']/\nPRIOR_SALES_EXTENSION_SECTION_DATA/PRIOR_SALE/@GSEP\nriorSaleComment\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nPDF Display Format:\nWhole dollars only\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis field must indicate the data source used for the prior sale/transfer of the\ncomparable.\n\nPDF Display Format (when the source is an MLS listing):\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"}
diff --git a/chunks/json/596db17f29a17db368281daed3a5cfdae5cf827f40333ecbf4120fa9353408d4.json b/chunks/json/596db17f29a17db368281daed3a5cfdae5cf827f40333ecbf4120fa9353408d4.json
new file mode 100644
index 0000000000000000000000000000000000000000..c03c80adc9eac7ffa6881ae6017f9fdba0da4505
--- /dev/null
+++ b/chunks/json/596db17f29a17db368281daed3a5cfdae5cf827f40333ecbf4120fa9353408d4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":100797,"char_start":99500,"chunk_id":"chk_ddcf07ba9c8c991d","chunk_index":54,"chunk_sha256":"596db17f29a17db368281daed3a5cfdae5cf827f40333ecbf4120fa9353408d4","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"596db17f29a17db368281daed3a5cfdae5cf827f40333ecbf4120fa9353408d4","token_estimate":324,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"Unless otherwise noted, comments\n\nregarding the applications must be\nreceived at the Reserve Bank indicated\nor the offices of the Board of Governors,\nAnn E. Misback, Secretary of the Board,\n20th Street and Constitution Avenue\nNW, Washington DC 20551–0001, not\nlater than June 22, 2020.\n\nA. Federal Reserve Bank of Chicago\n\n(Colette A. Fried, Assistant Vice\nPresident) 230 South LaSalle Street,\nChicago, Illinois 60690–1414:\n\n1. Bath State Bancorp Employee Stock\nOwnership Plan With 401(k) Provisions,\nBath, Indiana; to acquire voting shares\nof Bath State Bancorp, and indirectly\nacquire voting shares of Bath State\nBank, both of Bath, Indiana, and thereby\nengage in extending credit and servicing\nloans pursuant to Section 225.28(b)(1) of\nRegulation Y.\n\nBoard of Governors of the Federal Reserve\n\nSystem, May 28, 2020.\nYao-Chin Chao,\nAssistant Secretary of the Board.\n[FR Doc. 2020–11903 Filed 6–2–20; 8:45 am]\n\nBILLING CODE P\n\nFEDERAL RESERVE SYSTEM\n\nChange in Bank Control Notices;\nAcquisitions of Shares of a Bank or\nBank Holding Company\n\nThe notificants listed below have\n\napplied under the Change in Bank\n\nVerDate Sep<11>2014 18:35 Jun 02, 2020 Jkt 250001 PO 00000 Frm 00049 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"}
diff --git a/chunks/json/5970348301e4f19adf83efc45ebd19dda391e689b3157d1c16cb44202072bcd7.json b/chunks/json/5970348301e4f19adf83efc45ebd19dda391e689b3157d1c16cb44202072bcd7.json
new file mode 100644
index 0000000000000000000000000000000000000000..117f4fb4d69070acb21f10a7f441f4bf73c8f165
--- /dev/null
+++ b/chunks/json/5970348301e4f19adf83efc45ebd19dda391e689b3157d1c16cb44202072bcd7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":449097,"char_start":447462,"chunk_id":"chk_c30e508a2865459a","chunk_index":345,"chunk_sha256":"5970348301e4f19adf83efc45ebd19dda391e689b3157d1c16cb44202072bcd7","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"5970348301e4f19adf83efc45ebd19dda391e689b3157d1c16cb44202072bcd7","token_estimate":409,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"The Apparent Defects, Damages, Deficiencies table displays and display static text in italics (FID: 26.020), “The items listed below represent\nthe As Is condition as of the effective date of this report” displays above the table.\n\nFeature\n\nLocation\n\nDescription\n\nAffects Soundness or\nStructural Integrity\n\nRecommended Action\n\nEstimated Cost to Repair\n\nReconciliation: Apparent Defects, Damages, Deficiencies Table\n\nThe details (Feature, Location, Description, Affects Soundness or Structural Integrity, Recommended Action) for\nApparent Defects, Damages, Deficiencies in Reconciliation are redisplayed from the related report section.\n\nDisplay sections within the table in the following order (as applicable).\n\n- Site\n- Dwelling Exterior (all defects for each dwelling)\n\n- Unit Interior (repeat Unit Interior for each living unit, with defects, in Dwelling)\n\n- Outbuilding (all defects for each Outbuilding)\n\n- Unit Interior (repeat Unit Interior for each ADU, with defects, in Outbuilding)\n\n- Vehicle Storage\n- Subject Property Amenities\n\nDisplay a separate row for each apparent defect, damage, or deficiency. If the same Feature has multiple, display\neach on a separate row.\n\nThe Estimated Cost to Repair column displays\nwhen CostToRepairType = “Itemized”\n\n- An amount must be provided for each item\nwith DefectItemRecommendedActionType =\n“Repair”.\n\n- Sum all amounts and display at bottom of\nthe column with label Total Cost\n\n− Do not display column on report if Cost to\n\nRepair Method <> “Itemized”\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 26 - 4\n\nPage 355\n\nFigure 26 - 5\n\nAppendix B-1: URAR Implementation Guide v1.3\n"}
diff --git a/chunks/json/5971f5a4bca901c7638e7995efaf72621e9fdcf056e1c5b3108aa75ee0d99e43.json b/chunks/json/5971f5a4bca901c7638e7995efaf72621e9fdcf056e1c5b3108aa75ee0d99e43.json
new file mode 100644
index 0000000000000000000000000000000000000000..22c8d00bd8aa58e6e33be2475b2eaee8cf00818e
--- /dev/null
+++ b/chunks/json/5971f5a4bca901c7638e7995efaf72621e9fdcf056e1c5b3108aa75ee0d99e43.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":48776,"char_start":48204,"chunk_id":"chk_33ac2a4c409dd57b","chunk_index":27,"chunk_sha256":"5971f5a4bca901c7638e7995efaf72621e9fdcf056e1c5b3108aa75ee0d99e43","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"5971f5a4bca901c7638e7995efaf72621e9fdcf056e1c5b3108aa75ee0d99e43","token_estimate":143,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-implementation-guide.pdf","below_target_min_tokens"]},"text":"https://www.fanniemae.c om/c ontent/tec hnology_r equirements/u\nldd-mismo-specification-user-guide.pdf\n\nUTF-8 and Unicode Standards\nW3C\n\nwww.utf-8.com/\nwww.w3.org/\n\nState code – Use USPS list of two-\ncharacter codes – Select Pub.28 for\nfurther detail.\nCountry code – Use two-character\ncodes from the ISO 3166 standard\n(International Organization for\nStandardization)\n\nhttp://about.usps.com/publications/welcome.htm\n\nwww.iso.org/iso/country _codes/iso_3166_code_lists/country_n\names_and_code_elements.htm\n\n© 2018 Fannie Mae. Trademarks of Fannie Mae.\n\nJune 2018 | 22 of 22\n"}
diff --git a/chunks/json/597e6b8270e502b26e5682896338b22e1e84008328076accf34cf655dab57719.json b/chunks/json/597e6b8270e502b26e5682896338b22e1e84008328076accf34cf655dab57719.json
new file mode 100644
index 0000000000000000000000000000000000000000..92715220727878b966dd1bba01470ea3e1c7110d
--- /dev/null
+++ b/chunks/json/597e6b8270e502b26e5682896338b22e1e84008328076accf34cf655dab57719.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":172977,"char_start":171376,"chunk_id":"chk_4af5ba8274a07650","chunk_index":95,"chunk_sha256":"597e6b8270e502b26e5682896338b22e1e84008328076accf34cf655dab57719","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"597e6b8270e502b26e5682896338b22e1e84008328076accf34cf655dab57719","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"from the CD rendering example.\n\nTable 39. UCD v2.0 Spec Excerpt – Projected Payment Table Period Data Requirements.\n\nUCD UID MISMO v3.3.0 Data Point/Attribute\n\nDelivered Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUME\nNT_SPECIFIC_DATA_SETS/DOCUMENT_SPECIFIC_DATA_SET/INTEGRATED_DISCLOSURE/PROJECTED_PAYMENTS/PROJECTED_PAYMENT\n\n5.003\n\nSequenceNumber\n\n1\n\nMust be a whole number.\n\n5.009\n\nPaymentFrequencyType\n\nMonthly\n\n▪ Provide only in the first instance of PROJECTED_PAYMENT.\n\n5.005\n\n5.004\n\n5.002\n\n5.008\n\nProjectedPaymentCalculationPeriodEn\ndNumber\n\nProjectedPaymentCalculationPeriodSt\nartNumber\n\nProjectedPaymentCalculationPeriodTe\nrmType\n\nProjectedPaymentEstimatedEscrowPa\nymentAmount\n\n▪ This value is rendered in 2 locations in the Projected\n\nPayments table—for the Estimated Total Monthly Payment\nAmount, and for the total monthly ETI&A payment\namount.\n\n5\n\n1\n\nMust be a whole number.\n\nMust be a whole number.\n\nYearly\n\nProvide only in the first instance of PROJECTED_PAYMENT.\n\n356.00\n\n▪ Provide the same estimated escrow amount for each\n\ninstance of PROJECTED_PAYMENT.\n\n▪ When EscrowIndicator = \"false\" provide \"0\" for all\n\ninstances of PROJECTED_PAYMENT.\n\n5.010\n\nProjectedPaymentEstimatedTotalMaxi\nmumPaymentAmount\n\n1472.35\n\n5.007\n\nProjectedPaymentMIPaymentAmount\n\n109.00\n\n▪ Provide the maximum amount of the premium for the\n\nperiod indicated in this instance of PROJECTED_PAYMENT.\nIf MI has terminated, provide “0”.\n\n▪ When MIRequiredIndicator = \"false\" provide \"0\" for all\n\ninstances of PROJECTED_PAYMENT.\n\n5.006\n"}
diff --git a/chunks/json/5981d1fa002de82f8fccecb9b7f37c7f5317f46d93d3d8894f700512e34a6877.json b/chunks/json/5981d1fa002de82f8fccecb9b7f37c7f5317f46d93d3d8894f700512e34a6877.json
new file mode 100644
index 0000000000000000000000000000000000000000..8a2c3834a886a12b718f488bbf2435e519c22162
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+++ b/chunks/json/5981d1fa002de82f8fccecb9b7f37c7f5317f46d93d3d8894f700512e34a6877.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12044,"char_start":10456,"chunk_id":"chk_a661ed41f56aba6c","chunk_index":6,"chunk_sha256":"5981d1fa002de82f8fccecb9b7f37c7f5317f46d93d3d8894f700512e34a6877","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_64a28141a0390043","text_sha256":"5981d1fa002de82f8fccecb9b7f37c7f5317f46d93d3d8894f700512e34a6877","token_estimate":397,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/earlycheck-release-notes-2024.pdf"]},"text":"• 16 edits with severity change\n\n• 21 new warning Edits\n\n© 2025 Fannie Mae\n\nEffective\nDate\n\nImpacted\nArea\n\nVersion\n\nDescription\n\nFile\nType\n\nImpact\n\n• 5 Edits message update\n\nOct 21\n\nEdit Updates\n\n7.6.19\n\n2 edits moving from warning to fatal for buydown and 1\nedit moving from warning to fatal for loan limits\n\nULDD-\nMISMO 3.0\n\n• 3 edits with severity change\n\nOct 21\n\nEdit Updates\n\n7.6.19\n\n1 edit moving from warning to fatal for loan limits\n\nULAD –\nMISMO 3.4\n\n• 1 edit with severity change\n\nOct 21\n\nEdit Updates\n\n7.6.19\n\n1 new warning edits and 1 new warning to fatal edit\nrelated to Payment\n\nULDD-\nMISMO 3.0\n\n• 2 new edits\n\nNov 25\n\nEdit Updates\n\n7.6.20\n\n3 edits moving from warning to fatal for Housing\nCounseling LLPA Credit loans\n\nULDD-\nMISMO 3.0\n\n• 3 edits with severity change from Warning\n\nto Fatal\n\nNov 25\n\nEdit Updates\n\n7.6.20\n\n• 1 new fatal edit to enforce Selling Guide Announcement\nSEL-2024-07 and project review requirements for\ndelivering manufactured homes\n\nULDD-\nMISMO 3.0\n\n• 1 new edit with severity Fatal\n\nNov 25\n\nEdit Updates\n\n7.6.20\n\n• 1 new fatal edit to enforce Selling Guide Announcement\nSEL-2024-07 and project review requirements for\ndelivering manufactured homes\n\nULAD-\nMISMO 3.4\n\n• 1 new edit with severity Fatal\n\nDec 16\n\nEdit Updates\n\n7.6.21\n\n3 edits moving to fatal with category Payment, MI,\nInvestor\n\nULDD –\nMISMO 3.0\n\n• 3 edits with severity change to Fatal\n\n2 DU compare edits moving form “warning” to “warning\nto fatal” to validate monthly income\n\n• 2 edits with severity change from warning\n\nto “warning to fatal”\n\n© 2025 Fannie Mae\n\n© 2025 Fannie Mae\n"}
diff --git a/chunks/json/5989365a65780c97e88a35cefaa4a3e3794287cb6d1d4b875e95553a0b2f1a94.json b/chunks/json/5989365a65780c97e88a35cefaa4a3e3794287cb6d1d4b875e95553a0b2f1a94.json
new file mode 100644
index 0000000000000000000000000000000000000000..5c48cec5fa8d6b9b730a157089ed609127953827
--- /dev/null
+++ b/chunks/json/5989365a65780c97e88a35cefaa4a3e3794287cb6d1d4b875e95553a0b2f1a94.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":476112,"char_start":474416,"chunk_id":"chk_626259eb1d873d50","chunk_index":274,"chunk_sha256":"5989365a65780c97e88a35cefaa4a3e3794287cb6d1d4b875e95553a0b2f1a94","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"5989365a65780c97e88a35cefaa4a3e3794287cb6d1d4b875e95553a0b2f1a94","token_estimate":424,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"•\n\nEnergy Efficient and Green Features\n\nRenewable Energy Component: Leased Solar Panels\n\n•\n• Green Energy Certification: RESNET (HERS) and DOE (Home Energy Score)\n\n• Defects, Damages, Deficiencies: None\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\n14568 GENERIC RD, OUT THERE, VA 56789\n\nSUMMARY\n\nOpinion Of Market Value\n\n$775,000\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\n09/08/2019\nPurchase\nBob Borrower\nBetty Borrower\nJane Doe\n$770,000\nPending\n\nProperty Valuation Method\nAppraiser Name\n\nTraditional Appraisal\nAgatha Appraiser\n\nProperty Description\n\nConstruction Method\nAttachment Type\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nSubject Site Owned in Common\n\nSite Built\nDetached\n\nOverall Quality\nOverall Condition\n\nQ4\nC4\n\nYes No\n \n \n \n \n \n\nYes 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 2024Appraiser Reference ID AA12345Client Reference ID AB12345AMC Reference ID AD43201Single Family Scenario 3 (SF3)\n"}
diff --git a/chunks/json/598b697f3c3c674767eac027a3f36be66f7e68de081545bdcbea3cde67c052be.json b/chunks/json/598b697f3c3c674767eac027a3f36be66f7e68de081545bdcbea3cde67c052be.json
new file mode 100644
index 0000000000000000000000000000000000000000..077aa4de9a375613d77f99564effa881682e9012
--- /dev/null
+++ b/chunks/json/598b697f3c3c674767eac027a3f36be66f7e68de081545bdcbea3cde67c052be.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":366758,"char_start":365142,"chunk_id":"chk_47ec69a5ac0d875d","chunk_index":214,"chunk_sha256":"598b697f3c3c674767eac027a3f36be66f7e68de081545bdcbea3cde67c052be","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"598b697f3c3c674767eac027a3f36be66f7e68de081545bdcbea3cde67c052be","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Data Point Field\nLength\n\nFormat\n\nData Format:\nyyyy-mm-dd\n\n10\n\nDate/Time\n\n/VALUATION_RESPONSE/PARTIES/SUPER\nVISOR/INSPECTION[@AppraisalInspectionPr\nopertyType='Comparable' and\n@AppraisalInspectionType='ExteriorOnly']/@In\nspectionDate\n\n/VALUATION_RESPONSE/REPORT/FORM/\n@AppraisalReportContentIdentifier\n\n19\n\nString\n\nPDF Display Format:\nmm/dd/yyyy\nThis field occurs on every page of the form and must be consistent.\nThe only allowable value for this string is:\nUAD Version 9/2011\n\n520\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nLatitude Number\n\n521\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nLongitude Number\n\n522\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nLatitude Number\n\n523\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nLongitude Number\n\nThe Y value of the geographic\ncoordinate system using geodetic\nmodel based on North American\ndatum of 1983.\nThe X value of the geographic\ncoordinate system using geodetic\nmodel based on North American\ndatum of 1983.\nThe Y value of the geographic\ncoordinate system using geodetic\nmodel based on North American\ndatum of 1983.\nThe X value of the geographic\ncoordinate system using geodetic\nmodel based on North American\ndatum of 1983.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/L\nOCATION/@LatitudeNumber\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/L\nOCATION/@LongitudeNumber\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/LOCATION/@LatitudeNumber\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/LOCATION/@LongitudeNumber\n"}
diff --git a/chunks/json/598ba73552cb78a8ed846ef792ad170f41dac544cfcc3454a21e5f35ecd7023f.json b/chunks/json/598ba73552cb78a8ed846ef792ad170f41dac544cfcc3454a21e5f35ecd7023f.json
new file mode 100644
index 0000000000000000000000000000000000000000..949d916af10094c338346fd6326bce3b245e613d
--- /dev/null
+++ b/chunks/json/598ba73552cb78a8ed846ef792ad170f41dac544cfcc3454a21e5f35ecd7023f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":486501,"char_start":484841,"chunk_id":"chk_e540d424532d5a06","chunk_index":276,"chunk_sha256":"598ba73552cb78a8ed846ef792ad170f41dac544cfcc3454a21e5f35ecd7023f","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"598ba73552cb78a8ed846ef792ad170f41dac544cfcc3454a21e5f35ecd7023f","token_estimate":415,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"The xlink specification is implemented within MIMSO v3.3.0 using attributes. Note that “@xlink:” is the\nnamespace prefix assigned by MISMO to @xlink attributes in order to differentiate them from MISMO data\nelements and attributes.\n\nThe figure below shows the Contact Information table with only the names of each organization and the\nindividual contact employed by that organization, along with the XML attributes that must be included in the\nUCD file to establish the relationships between them.\n\nAppendix E: UCD Implementation Guide\n\nPage 227 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n23.0 Contact Information\n\nContact Information\n\nTo\n\nPARTIES/PARTY/ROLES\nROLE/\n\n1\n\nSequenceNumber\n\nLender\n\nMortgage Broker Real Estate Broker\n\n(B)\n\nReal Estate Broker\n(S)\n\nSettlement Agent\n\n3\n\n5\n\n7\n\n9\n\nxLink Label\n\nPARTY1_RO LE\n1\n\nPARTY3_RO LE1\n\nPARTY5_RO LE1\n\nPARTY7_RO LE1\n\nPARTY9_RO LE1\n\nROLE_DETAIL/PartyRole\nType\n\nREAL_ESTATE_AGENT/R\nealEstateAgentType\n\nNote Pay To\n\nMortgage Broker Real Estate Age nt Real Estate Age nt Closing Agent\n\nSelling\n\nListing\n\nName\n\nFicus Bank\n\nBe ta Brokerage\nServices\n\nO me ga Real Estate\nBroker, Inc.\n\nAlpha Real Estate\nBroker, Inc.\n\nEpsilon Title Co.\n\nRelationship\n\nMESSAGE/DOCUMENT_\nSETS/DOCUMENT_SET/\nDOCUMENTS/DOCUME\nNT/RELATIONSHIP/\n\n1\n\nSequenceNumber\n\n2\n\n3\n\n4\n\n5\n\nxlink:arcrole\n\nxlink:from\n\nxlink:to\n\nFrom\n\nurn:fdc:mismo.o\nrg:2009:re sidenti\nal/RO LE_IsEmp\nloye dBy_ROLE\n\nurn:fdc:mismo.org:\n2009:residential/R\nO LE_IsEmployedB\ny_RO LE\n\nurn:fdc:mismo.org:\n2009:re sidential/R\nO LE_IsEmployedB\ny_RO LE\n\nurn:fdc:mismo.org:\n2009:re sidential/R\nO LE_IsEmployedB\ny_RO LE\n\nurn:fdc:mismo.org:\n2009:residential/R\nO LE_IsEmployedB\ny_RO LE\n"}
diff --git a/chunks/json/598bef31c5a348d94d62df77fbb4f97b34a5629f3e4f37358b47dd3b77b83c82.json b/chunks/json/598bef31c5a348d94d62df77fbb4f97b34a5629f3e4f37358b47dd3b77b83c82.json
new file mode 100644
index 0000000000000000000000000000000000000000..c379703b8b1c97ec1f77cbe234abf381b5aaf4ec
--- /dev/null
+++ b/chunks/json/598bef31c5a348d94d62df77fbb4f97b34a5629f3e4f37358b47dd3b77b83c82.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1138688,"char_start":1137089,"chunk_id":"chk_340116a03ca9046a","chunk_index":676,"chunk_sha256":"598bef31c5a348d94d62df77fbb4f97b34a5629f3e4f37358b47dd3b77b83c82","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"598bef31c5a348d94d62df77fbb4f97b34a5629f3e4f37358b47dd3b77b83c82","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Actual Age\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_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘0’]/SALE_\nPRICE_ADJUSTMENT[@_Type=‘Age’]/@_Description\n\n2\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nAllowable Values\nQ1\nQ2\nQ3\nQ4\nQ5\nQ6\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis field indicates whether the actual age is estimated.\n\n1\n\n3\n\nBoolean\n\nPDF Display Format:\nIf 'Y' then display a tilde (~) before the value entered.\nIf 'N' then display nothing for Boolean response.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions\nUAD Requirement - Refer to Appendix D Improvements Section\nNumeric, whole years only. Zero (0) is a valid value.\n\nString\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n249\n\n2\n\n27\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_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/@GSEOverallConditionType\n\n2\n\nEnumerated\n\nAllowable Values\n C1\n C2\n C3\n C4\n C5\n C6\n\n250\n\n251\n\n2\n\n2\n\n28\n"}
diff --git a/chunks/json/598c5c9348f6334993389621c4ff57c889f8c9ba15a06fa5eb7a37a20fad65d7.json b/chunks/json/598c5c9348f6334993389621c4ff57c889f8c9ba15a06fa5eb7a37a20fad65d7.json
new file mode 100644
index 0000000000000000000000000000000000000000..702294dc5bcfd233794c400a3d0a43315f188f24
--- /dev/null
+++ b/chunks/json/598c5c9348f6334993389621c4ff57c889f8c9ba15a06fa5eb7a37a20fad65d7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":53016,"char_start":52521,"chunk_id":"chk_fdd5c85bdf46a23e","chunk_index":82,"chunk_sha256":"598c5c9348f6334993389621c4ff57c889f8c9ba15a06fa5eb7a37a20fad65d7","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"598c5c9348f6334993389621c4ff57c889f8c9ba15a06fa5eb7a37a20fad65d7","token_estimate":452,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"19 Subject Listing Information ............................................................................................................................................................................................................. 258\n\nOverview ................................................................................................................................................................................................................................................ 258\n"}
diff --git a/chunks/json/59911cebd1191b404d048113a12309bbcba929ddc6376610d11329356237a573.json b/chunks/json/59911cebd1191b404d048113a12309bbcba929ddc6376610d11329356237a573.json
new file mode 100644
index 0000000000000000000000000000000000000000..2dfd37546425d062a08c796389493353f61aa254
--- /dev/null
+++ b/chunks/json/59911cebd1191b404d048113a12309bbcba929ddc6376610d11329356237a573.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":98129,"char_start":96454,"chunk_id":"chk_3356f1fa3c176020","chunk_index":54,"chunk_sha256":"59911cebd1191b404d048113a12309bbcba929ddc6376610d11329356237a573","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"59911cebd1191b404d048113a12309bbcba929ddc6376610d11329356237a573","token_estimate":419,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Data about the original,\nsecond-lien loan\n Underwriting Data\n Product Derivation\n Product Features\n Note Terms\n\nLoanStateDate = Note\nDate of second lien\n\nSubject Loan / Current\n\nData valid at the time of\ndelivery about the second-\nlien loan\n Current Balances,\n\nRates, Option Status,\nPayment Status\n\n MI and Credit\n\nEnhancements\n Escrow Details\n GSE Transaction\n\nDetails\n\n Program Identifiers,\n\nIFIs\n\nLoanStateDate = Date\ndata retrieved from\nsubmitter’s system\n\nRelated Loan / At\nClosing\n\nData about the original,\nfirst-lien note terms\n\nLoanStateDate = Note\nDate of first lien\n\ng. Loans with Concurrent Secondary Financing.\n\nIf more than one concurrently closing lien exists on the subject property, the\n“RelatedLoan” LOAN container must be sent with a LoanStateType of “Current”\nfor each subordinate lien.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 41 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nFigure IV-14. LOAN Containers Required for Concurrently Closing Secondary Financing\nwhen a First Lien is Being Delivered.\n\nSubject Loan / At\nClosing\n\nData about the original\nfirst-lien loan\n Underwriting Data\n Product Derivation\n Product Features\n Note Terms\n\nLoanStateDate =\nNoteDate\n\nSubject Loan / Current\n\nRelatedLoan / Current\n\nData valid at the time of\ndelivery\n Current Balances,\n\nRates, Option Status,\nPayment Status\n\n MI and Credit\n\nEnhancements\n Escrow Details\n GSE Transaction\n\nDetails\n\n Program Identifiers,\n\nIFIs\n\nMortgageModificationIndic\nator = “false” and\nLoanStateDate = Date\ndata retrieved from\nsubmitter’s system\n"}
diff --git a/chunks/json/59a5c811a3799ea78d438c5add3dd1ff3dcfd004c74455b4dcc68b0b8a63f565.json b/chunks/json/59a5c811a3799ea78d438c5add3dd1ff3dcfd004c74455b4dcc68b0b8a63f565.json
new file mode 100644
index 0000000000000000000000000000000000000000..e411f9cb1b13b1789d7a16748b4d44b4dfce665f
--- /dev/null
+++ b/chunks/json/59a5c811a3799ea78d438c5add3dd1ff3dcfd004c74455b4dcc68b0b8a63f565.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":116695,"char_start":114794,"chunk_id":"chk_6dca7eecff0c0112","chunk_index":61,"chunk_sha256":"59a5c811a3799ea78d438c5add3dd1ff3dcfd004c74455b4dcc68b0b8a63f565","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"59a5c811a3799ea78d438c5add3dd1ff3dcfd004c74455b4dcc68b0b8a63f565","token_estimate":474,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"- 46 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nb. Closing Transaction Information\n\nFigure 34. Rendering General Closing Data on the CD.\n\n1.0 Closing Information\n\n1.2 Closing Date\n\n1.3 Disbursement Date\n\n1.5 File No.\n\n4-18-2024\n\n4-19-2024\n\n12-3456\n\nGeneral data about the closing transaction is provided in the CLOSING_INFORMATION structure:\n\ni.\n\nii.\n\niii.\n\nThe date the borrower becomes contractually obligated to pay the loan is delivered in ClosingDate\n\nThe date the amounts due are expected to be paid to or on behalf of the borrower and/or property seller is\nprovided in DisbursementDate.\n\nThe value provided in ClosingAgentOrderNumberIdentifier is the identification number assigned to the\ntransaction by the closing agent.\n\nTable 27. UCD v2.0 Spec Excerpt - General Closing Information Data Requirements.\n\nUCD UID\n\nMISMO v3.3.0 Data Points\n\nMISMO v3.3.0 Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA\nNS/LOAN/CLOSING_INFORMATION/CLOSING_INFORMATION_DETAIL\n\n6.015\n\nCashFromBorrowerAtClosingAmount\n\n25332.30\n\nMust be > \"0\"\n\n1.006\n\nClosingAgentOrderNumberIdentifier\n\n12-3456\n\n1.002\n\nClosingDate\n\n2024-04-18\n\n3.038\n\nCurrentRateSetDate\n\n2024-03-18\n\nGSE-specific\n\n1.003\n\nDisbursementDate\n\n2024-04-19\n\nN O T E : UCD v1.5 data points UID 10.114-CashFromSellerAtClosingAmount and UID 10.115-\nCashToSellerAtClosingAmount have been removed from UCD v2.0.\n\nFigure 35. XML Snippet - CLOSING_INFORMATION_DETAIL.\n\n<MESSAGE>\n…\n <DEAL>\n\n<LOANS>\n <LOAN>\n\n<CLOSING_INFORMATION>\n\n<CLOSING_INFORMATION_DETAIL>\n\n<CashFromBorrowerAtClosingAmount>25332.30</CashFromBorrowerAtClosingAmount>\n <ClosingAgentOrderNumberIdentifier>12-3456</ClosingAgentOrderNumberIdentifier>\n <ClosingDate>2024-04-18</ClosingDate>\n <CurrentRateSetDate>2024-03-18</CurrentRateSetDate>\n <DisbursementDate>2024-04-19</DisbursementDate>\n"}
diff --git a/chunks/json/59a6ae970cca3304b3a440c144c76e2eed6fe8232cac49c096123b3796151769.json b/chunks/json/59a6ae970cca3304b3a440c144c76e2eed6fe8232cac49c096123b3796151769.json
new file mode 100644
index 0000000000000000000000000000000000000000..9a30ed32e6f6bd597f501849f8a4fb33c7e305d6
--- /dev/null
+++ b/chunks/json/59a6ae970cca3304b3a440c144c76e2eed6fe8232cac49c096123b3796151769.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":57161,"char_start":55526,"chunk_id":"chk_ea4718ac56e8a43c","chunk_index":30,"chunk_sha256":"59a6ae970cca3304b3a440c144c76e2eed6fe8232cac49c096123b3796151769","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"59a6ae970cca3304b3a440c144c76e2eed6fe8232cac49c096123b3796151769","token_estimate":409,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"applicable to single-family transactions\nand already appears in the multifamily\nloan matrix. Accordingly, FHFA has\ndeleted this code from the single-family\nloan matrix.\n\nl. Single-Family Data Field 34 and\nMultifamily Data Field 33: Type of\nSeller Institution\n\nThis data field identifies the type of\n\nseller of the loan to the Enterprise.\nFHFA has expanded the reporting codes\nfor this data field to include additional\ntypes of sellers, as the Enterprises have\nreported their mortgage data using these\nexpanded codes since 2001. For single-\nfamily National File B and the\nmultifamily Census Tract File, FHFA is\npreserving the prior PUDB data field\nrecoding, which is: 1 = Mortgage\nCompany; 2 = SAIF Insured Depository\nInstitution; 3 = BIF Insured Depository\nInstitution; 4 = NCUA Insured Credit\nUnion; 5 = Other. The prior PUDB data\nfield recoding is also preserved for the\nmultifamily National File.\n\nm. Single-Family Data Field 38 and\nMultifamily Data Field 36: Acquisition\nType\n\nThis data field identifies the type of\nacquisition by the Enterprise (e.g., credit\nenhancement, purchase of State or local\nmortgage revenue bond). FHFA has\nexpanded the reporting codes for this\ndata field to include additional\nacquisition types, as the Enterprises\nhave reported their mortgage data using\nthese expanded codes since 2003.\nFannie Mae noted that the proposed\naddition of the acquisition type code of\n‘‘61 = asset management refinance’’ is\nnot applicable to single-family\ntransactions and already appears in the\nmultifamily loan matrix. FHFA agrees\nwith this comment and, as a result, has\nnot included this code in the single-\nfamily matrix.\n"}
diff --git a/chunks/json/59bea94a3f10ccef6b80c172026496afd2212b8f7875434fd3fae1d5f32c3c51.json b/chunks/json/59bea94a3f10ccef6b80c172026496afd2212b8f7875434fd3fae1d5f32c3c51.json
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index 0000000000000000000000000000000000000000..bfd667437ffec9237948c74b697145f53ac3aa4f
--- /dev/null
+++ b/chunks/json/59bea94a3f10ccef6b80c172026496afd2212b8f7875434fd3fae1d5f32c3c51.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":41704,"char_start":39476,"chunk_id":"chk_ff2e644fcc1d749c","chunk_index":22,"chunk_sha256":"59bea94a3f10ccef6b80c172026496afd2212b8f7875434fd3fae1d5f32c3c51","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"59bea94a3f10ccef6b80c172026496afd2212b8f7875434fd3fae1d5f32c3c51","token_estimate":557,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-implementation-guide.pdf"]},"text":"Table 7 - Special Characters\n\nCharacter\n\nProperly Escaped\n\nDescription\n\n&\n\n<\n\n>\n\n“\n\n‘\n\n&amp\n\n&lt\n\n&gt\n\n&quot\n\n&apos\n\nAmpersand\n\nLess-than sign\n\nGreater-than sign\n\nQuotation Mark\n\nApostrophe\n\nMost XML software automatically performs this function and inserts the properly escaped characters.\n\n© 2018 Fannie Mae. Trademarks of Fannie Mae.\n\nJune 2018 | 17 of 22\n\n5.10. Data Format Types\n\nThe data in a loan delivery XML file must pass certain data integrity rules. For example, an invalid\nenumeration or non-numeric data in a numeric field could cause the loan delivery XML file to fail\nschema validation. The table below provides additional guidance regarding the data format and how\nto populate data in the loan delivery XML file for Fannie Mae’s Loan Delivery application. The data\nformats are more restrictive than the original MISMO data types:\n\nTable 8 - Data Types and Formats\n\nData Format\n\nFormat\n\nAmount\n\n999999999.99\n\nBoolean\n\ntrue or false\n\nDate\n\nYYYY-MM-DD\n\nDatetime\n\nYYYY-MM-\nDDThh:mm:ss\n\nDay\n\n---DD\n\nEnumerated\n\nNumeric\n\n999999999\n\nPercent\n\n999.9999\n\nComments\n\nThe amount data type represents a number for the dollar\namount.\nThe term names ending with Indicator have values of true\nor false. The true or false values must be provided in\nlower case or the loan delivery XML file will fail schema\nvalidation. Values of 0 and 1 or Yes/No are not supported.\nThe date data type represents a specific date. The date\nmust contain a dash (-) between the Year, Month, and\nDate – for example: 2010-03-25. There are some\ninstances in which the date value will be required as\nYYYY (year). The expected date format is documented in\nAppendix A: Fannie Mae XML Data Requirements.\nThe datetime data type provides the capability to capture\nthe date and time. This data type can also be used to\ncapture only the date. The date and time must be\nprovided unless specifically noted to only provide a date.\nWhen providing a date and time combination, the date\nand time must be separated by a designator “T” – for\nexample 2010-03-25T15:21:47. When a date only is\nspecified, the designator “T” and time should NOT be\nincluded – for example 2010-03-25. The timezone portion\nof datetime field type is optional and will be ignored if\nprovided.\n"}
diff --git a/chunks/json/59c28681be8d469cd27166c6904f4d6933a8583ffc848b389498b6150a373ab1.json b/chunks/json/59c28681be8d469cd27166c6904f4d6933a8583ffc848b389498b6150a373ab1.json
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index 0000000000000000000000000000000000000000..500b170d3f9284cbdde3615537f8b320d2fe80f5
--- /dev/null
+++ b/chunks/json/59c28681be8d469cd27166c6904f4d6933a8583ffc848b389498b6150a373ab1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1735,"char_start":0,"chunk_id":"chk_cc319bf09dda2907","chunk_index":0,"chunk_sha256":"59c28681be8d469cd27166c6904f4d6933a8583ffc848b389498b6150a373ab1","date_utc":"2026-01-27T17:54:31+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_99695a96e09cf706","text_sha256":"59c28681be8d469cd27166c6904f4d6933a8583ffc848b389498b6150a373ab1","token_estimate":531,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Research___FHFA_ilwhub.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/research?category%5B176%5D=176\"\ndate_accessed: \"2026-01-27T17:54:20.628Z\"\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/59cb5b260fc460d6de14d62fcdb493bb3554e0b58fff9d31ec730d49d42f4cfe.json b/chunks/json/59cb5b260fc460d6de14d62fcdb493bb3554e0b58fff9d31ec730d49d42f4cfe.json
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index 0000000000000000000000000000000000000000..295a0716c3d88023743abdf27f176f2e34e60ded
--- /dev/null
+++ b/chunks/json/59cb5b260fc460d6de14d62fcdb493bb3554e0b58fff9d31ec730d49d42f4cfe.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7082,"char_start":5477,"chunk_id":"chk_7d581990277f9baa","chunk_index":7,"chunk_sha256":"59cb5b260fc460d6de14d62fcdb493bb3554e0b58fff9d31ec730d49d42f4cfe","date_utc":"2026-01-27T17:46:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7eca65366e02ac25","text_sha256":"59cb5b260fc460d6de14d62fcdb493bb3554e0b58fff9d31ec730d49d42f4cfe","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type.pdf"]},"text":"This document is a reference for mapping legacy forms to property characteristics, not about eligibility. While every effort has been made to ensure the reliability of the information in this\ndocument, the respective government sponsored enterprise (GSE) Guides, are the official statements of policies and procedures.\n\nTypical Properties\n\nThe information contained on the Legacy Forms Mapping table includes properties that have a clear map or correlation from the legacy form numbers to new URAR property characteristics.\nAtypical properties, which do not have a clear mapping are not included and are addressed in Atypical Properties.\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 Housing Finance Agency.\n©2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\n3\n\nColumn Descriptions for Legacy Forms Mapping\n\nRow / Column Name\n\nDescription\n\nLegacy Forms\n\nName of the legacy form.\n\nFannie Mae Number\n\nThe Fannie Mae legacy form number.\n\nFreddie Mac Number\n\nThe Freddie Mac legacy form number.\n\nProperty Type Characteristics\n\nThe key data points from the new UAD v3.6 Delivery Specification used to identify property type.\n\nProperty Valuation Method\n\n(UID: 1000.0158, FID: 1.010)\n\nConstruction Method\n\n(UID: 0300.0034, FID: 1.012)\n\nSubject Site Owned in Common\n\n(UID: 0100.0047, FID: 1.020)\n\nProvides the name, Unique Identifier (UID) and Field Identifier (FID) displayed in the URAR Delivery Specification for the relevant instance of the\nPropertyValuationMethodType data point.\n"}
diff --git a/chunks/json/59d3352033a02c95bf82e96df3afeef3376bc7c25678504d1dffa48c511dd365.json b/chunks/json/59d3352033a02c95bf82e96df3afeef3376bc7c25678504d1dffa48c511dd365.json
new file mode 100644
index 0000000000000000000000000000000000000000..60bdcd8fbf322e8c695de5008c581e1287617564
--- /dev/null
+++ b/chunks/json/59d3352033a02c95bf82e96df3afeef3376bc7c25678504d1dffa48c511dd365.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":317402,"char_start":315379,"chunk_id":"chk_2769753e257c09c9","chunk_index":174,"chunk_sha256":"59d3352033a02c95bf82e96df3afeef3376bc7c25678504d1dffa48c511dd365","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"59d3352033a02c95bf82e96df3afeef3376bc7c25678504d1dffa48c511dd365","token_estimate":506,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Community Facilities Districts\n\nSome jurisdictions have passed legislation that creates community facilities districts and permits them to levy a special tax to\nfund the capital costs of a wide variety of public improvements, as well as the ongoing operation and maintenance costs of a\nlimited number of public services. Proceeds from the special tax are used to support the sale of tax-exempt bonds for the various\ncapital improvements that are allowed under the legislation, including but not limited to, roads, sewer services, schools, police\nand fire protection services, and libraries.\n\nThe assessment that will be used to repay the tax-exempt bonds becomes an ongoing responsibility of the property owner,\nsimilar to state and local property taxes. The assessment lien and the obligation to pay the assessment passes with the title to the\nproperty when ownership of the property is transferred.\n\nSuch legislation generally requires full disclosure of the special assessment to any purchaser of a property located in a\ncommunity facilities district. Therefore, a lender originating loans in community facilities districts should disclose to the\nappraiser any information that it becomes aware of regarding special assessments on a given property.\n\nAppraisal Requirements for Properties Located in Community Facilities Districts\n\nAppraisers must be aware of whether the subject property and the comparables are located within or affected by a community\nfacilities district because properties subject to an assessment by one of these districts often compete against properties that are\neither subject to a significantly different assessment or no assessment at all. Appraisers must consider the reaction of the market,\nif any, to the assessment for the applicable community facilities district by analyzing similarly affected comparable sales in their\nanalysis and should note the effect of the assessment in the appraisal report. All special tax assessments must be reported in the\nSubject Property section of the URAR.\n"}
diff --git a/chunks/json/59dfb31bb7fd7cd46302a704a15d162df1b8dba6745ab79e172191c0c5e55253.json b/chunks/json/59dfb31bb7fd7cd46302a704a15d162df1b8dba6745ab79e172191c0c5e55253.json
new file mode 100644
index 0000000000000000000000000000000000000000..fce4460873587708077d01a79030a3dc063dd412
--- /dev/null
+++ b/chunks/json/59dfb31bb7fd7cd46302a704a15d162df1b8dba6745ab79e172191c0c5e55253.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":83530,"char_start":81884,"chunk_id":"chk_85872a5c56c7d762","chunk_index":28,"chunk_sha256":"59dfb31bb7fd7cd46302a704a15d162df1b8dba6745ab79e172191c0c5e55253","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"59dfb31bb7fd7cd46302a704a15d162df1b8dba6745ab79e172191c0c5e55253","token_estimate":412,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"7. POTENTI AL SI GN CONFL I CTS - UPDATED\n\nThe presentation of the same amounts in different tables on the Closing Disclosure can make it difficult to\ndetermine what sign the value should take in the XML file. Table 4 provides guidance on what signs should be\nprovided in the XML file.\n\nTable 4. Signs for Unique Data Points Populating Multiple Form Fields\n\nForm Field IDs\n\nForm Field Names\n\nData Points\n\nSign in UCD File\n\n6.1 | 6.1.1\n\nClosing Costs\n\n9.1 | 9.1.1\n\nTOTAL CLOSING COSTS\n(Borrower Paid)\n\n6.1.4\n\nLender Credits\n\n9.3 | 9.3.2\n\nLender Credits\n\n6.2 | 6.2.1\n(Purchase)\n\n13.3 | 13.3.1\n(Purchase)\n\n6.2 | 6.2.1\n(Refinance)\n\nCash to Close\n\nCash to Close From To\nBorrower\n\nCash to Close From To\nBorrower\n\n10.9.2 | 10.9.4\n(Refinance)\n\nCash to Close From To\nBorrower\n\n▪ Integrated Disclosure Section Type =\n\n“Total Closing Costs”\n\n▪ Integrated Disclosure Section Total\n\nAmount\n\n▪ Integrated Disclosure Section Type =\n\n“Lender Credit”\n\n▪ Integrated Disclosure Subsection\n\nPayment Amount\n\n▪ Cash From Borrower At Closing Amount\n▪ Cash To Borrower At Closing Amount\n\n▪ Cash From Borrower At Closing Amount\n▪ Cash To Borrower At Closing Amount\n\n12.1 | 12.0.1\n\nL. Paid Already by or on\nBehalf of Borrower at\nClosing\n\n▪ Integrated Disclosure Section Type =\nPaid Already By Or On Behalf Of\nBorrower At Closing\n\nAppendix E: UCD Implementation Guide\n\nPage 22 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nIV. UCD Data Point Categories\n\nTable 4. Signs for Unique Data Points Populating Multiple Form Fields\n\nForm Field IDs\n\nForm Field Names\n\nData Points\n\nSign in UCD File\n\n13.0 | 13.2.1\n\nTotal Paid Already by or on\nbehalf of Borrower at Closing\n(L)\n"}
diff --git a/chunks/json/59ea0e98f9a1a72f2bc417e647cae0349da20001d2cd181de01cc1c8f5bf9d66.json b/chunks/json/59ea0e98f9a1a72f2bc417e647cae0349da20001d2cd181de01cc1c8f5bf9d66.json
new file mode 100644
index 0000000000000000000000000000000000000000..7af4ccdbe092010cf5bb869fc79c466a1512b8f7
--- /dev/null
+++ b/chunks/json/59ea0e98f9a1a72f2bc417e647cae0349da20001d2cd181de01cc1c8f5bf9d66.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":28845,"char_start":28224,"chunk_id":"chk_3cf9868533b689f5","chunk_index":45,"chunk_sha256":"59ea0e98f9a1a72f2bc417e647cae0349da20001d2cd181de01cc1c8f5bf9d66","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"59ea0e98f9a1a72f2bc417e647cae0349da20001d2cd181de01cc1c8f5bf9d66","token_estimate":496,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Subject Transfer History (H1) .............................................................................................................................. 58\n\nComparable Transfer History (H1) ...................................................................................................................... 59\n\nPrior Sale and Transfer History Exhibits (H1) ...................................................................................................... 59\n\nSales Comparison Approach .......................................................................................................................... 59\n"}
diff --git a/chunks/json/59ee6a283665a304d7b32d9af9fb91c0523733931dfe96680ec70786624849f8.json b/chunks/json/59ee6a283665a304d7b32d9af9fb91c0523733931dfe96680ec70786624849f8.json
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index 0000000000000000000000000000000000000000..b6b2cf7341f9015f5416bc7e3bccc429db531d32
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+++ b/chunks/json/59ee6a283665a304d7b32d9af9fb91c0523733931dfe96680ec70786624849f8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":696324,"char_start":694671,"chunk_id":"chk_7012f7b6c20b0976","chunk_index":412,"chunk_sha256":"59ee6a283665a304d7b32d9af9fb91c0523733931dfe96680ec70786624849f8","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"59ee6a283665a304d7b32d9af9fb91c0523733931dfe96680ec70786624849f8","token_estimate":414,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Form 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\n11\n\n12\n\n13\n\n14\n\n15\n\n16\n\n17\n\n18\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n12\n\n13\n\n14\n\n15\n\n10\n\nSUBJECT\n\nZip Code\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\n11\n\nSUBJECT\n\nBorrower\n\nGSE Borrower\nName\n\nThe unparsed name(s) of person(s) or non-\nperson entities that are the borrower(s).\n\nSUBJECT\n\nOwner of Public Record\n\nGSE Property\nOwner Name\n\nThe unparsed name(s) of the subject\nproperty owner(s).\n\n/VALUATION_RESPONSE/PARTIES/BORROWER/BORROWER_EXTENSI\nON/BORROWER_EXTENSION_SECTION[@ExtensionSectionOrganizationNa\nme='UNIFORM APPRAISAL\nDATASET']/BORROWER_EXTENSION_SECTION_DATA/BORROWER_NA\nME/@GSEBorrowerName\n\n/VALUATION_RESPONSE/PROPERTY/_OWNER/PROPERTY_OWNER_EX\nTENSION/PROPERTY_OWNER_EXTENSION_SECTION[@ExtensionSection\nOrganizationName='UNIFORM APPRAISAL\nDATASET']/PROPERTY_OWNER_EXTENSION_SECTION_DATA/PROPER\nTY_OWNER/@GSEPropertyOwnerName\n\nSUBJECT\n\nCounty\n\nProperty County\n\nThe county in which the subject property\nis located.\n\n/VALUATION_RESPONSE/PROPERTY/@_County\n\nSUBJECT\n\nLegal Description\n\nSUBJECT\n\nAssessor's Parcel #\n\nProperty Legal\nDescription Text\nDescription\n\nA free-form text field used to capture the\nlegal description of the property for the\ntype specified in Property Legal\nDescription Type.\n\nGSE Assessors\nParcel Identifier\n\nThe identifier or identifiers that describes\nthe location of the property as related to\ncounty, state or municipal tax records.\n"}
diff --git a/chunks/json/59f8f348245462b12eaf8e7ab41d228d1327b04f7b500eb5889d6efe7f442a90.json b/chunks/json/59f8f348245462b12eaf8e7ab41d228d1327b04f7b500eb5889d6efe7f442a90.json
new file mode 100644
index 0000000000000000000000000000000000000000..a3ac0a143c48746d0143808298dd2b862b778454
--- /dev/null
+++ b/chunks/json/59f8f348245462b12eaf8e7ab41d228d1327b04f7b500eb5889d6efe7f442a90.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":68223,"char_start":66173,"chunk_id":"chk_e5b204bdab1f4258","chunk_index":43,"chunk_sha256":"59f8f348245462b12eaf8e7ab41d228d1327b04f7b500eb5889d6efe7f442a90","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"59f8f348245462b12eaf8e7ab41d228d1327b04f7b500eb5889d6efe7f442a90","token_estimate":513,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"https://www.fanniemae.com/content/technology_requirements/ulad-data-relationships.pdf\n\nArcRoles require that all labels included in the ArcRole syntax are unique within the file. This is necessary\nto create relationships without ambiguity. For example - two assets cannot have the same value for the\nxlink:label.\n\nAn error in DU will be generated if the ArcRole doesn’t pass validation and it will stop the transaction to\nallow you to make corrections.\n\nTo prevent fatal errors, you need to ensure that the construction of the xlink:label values used for each\nArcRole is valid and unique. For guidance in the creation of ArcRoles,\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n31\n\nChapter 5: URLA (Form 1003) Sections vs. MISMO Data\nStructures\nThis chapter includes a set of diagrams that show the MISMO data structures that supports each section of\nthe redesigned Form 1003 (not all data points may be listed in the structures):\n\nXML Content\nForm Header\n1a. Personal Information (2 pages)\n1b. Current Employment/Self Employment and Income (1c. is a repeat of 1b.)\n1d. Previous Employment/Self Employment and Income\n1e. Income from Other Sources\n2a. Assets - Bank Accounts, Retirement, and Other Accounts You Have\n2b. Other Assets and Credits You Have\n2c. Liabilities - Credit Cards, Other Debts, and Leases that You Owe\n2d. Other Liabilities and Expenses\n3a. Property You Own (3b. is a repeat of 3a.)\n4a. Loan and Property Information\n4b. Other New Mortgage Loans on the Property You are Buying or Refinancing\n4c. Rental Income on the Property You Want to Purchase\n4d. Gifts or Grants You Have Been Given or Will Receive for This Loan\n5a. About this Property and Your Money for this Loan\n5b. About Your Finances\n6. Acknowledgements and Agreements\n7. Military Service\n8. Demographic Information\n9. Loan Originator Information\nL1. Property and Loan Information\nL2. Title Information\nL3. Mortgage Loan Information (3 pages)\nL4. Qualifying the Borrower (2 pages)\nHomeownership Education and Housing Counseling\nUnmarried Addendum\n"}
diff --git a/chunks/json/59fd45c756fe31efd01b9c3530b8ea1b455f03016ff11dcdf9c86d25684eaf74.json b/chunks/json/59fd45c756fe31efd01b9c3530b8ea1b455f03016ff11dcdf9c86d25684eaf74.json
new file mode 100644
index 0000000000000000000000000000000000000000..a6a499b825ba2a44440505d480b7e001d9f8c341
--- /dev/null
+++ b/chunks/json/59fd45c756fe31efd01b9c3530b8ea1b455f03016ff11dcdf9c86d25684eaf74.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":39570,"char_start":38281,"chunk_id":"chk_65de1091193b53a5","chunk_index":22,"chunk_sha256":"59fd45c756fe31efd01b9c3530b8ea1b455f03016ff11dcdf9c86d25684eaf74","date_utc":"2026-01-27T18:31:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_47c3ba41d05a3989","text_sha256":"59fd45c756fe31efd01b9c3530b8ea1b455f03016ff11dcdf9c86d25684eaf74","token_estimate":322,"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":"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 Appraiser\nJohn Appraiser\n\n03/15/2024\n\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/5a0e0c436085a37c65677a729498e981acd59e54fe167a5c5938363e5bf0cfc9.json b/chunks/json/5a0e0c436085a37c65677a729498e981acd59e54fe167a5c5938363e5bf0cfc9.json
new file mode 100644
index 0000000000000000000000000000000000000000..08d0c5c35de772985ee61e312ad01de549df7778
--- /dev/null
+++ b/chunks/json/5a0e0c436085a37c65677a729498e981acd59e54fe167a5c5938363e5bf0cfc9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3267,"char_start":1634,"chunk_id":"chk_a02b659441efd158","chunk_index":1,"chunk_sha256":"5a0e0c436085a37c65677a729498e981acd59e54fe167a5c5938363e5bf0cfc9","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bb929fdc71438a44","text_sha256":"5a0e0c436085a37c65677a729498e981acd59e54fe167a5c5938363e5bf0cfc9","token_estimate":408,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-spec-and-schema-changes-july-7-2025.pdf"]},"text":"§ UCD v2.0 Specification\n\n§ UCD v2.0 Quick Start Guide\n\n§ UCD v2.0 Production Schema\n\n§ UCD v2.0 Implementation Guide\n\n§ UCD v2.0 Sample CDs\n\n§ UCD v2.0 Sample XML Files\n\n§ UCD Validation Schema\n\nTesting and Credentials\n\nAccess Type\n\nURL Access\n\nCredentials\n\nUser Interface Customers https://singlefamily.fanniemae.com/external-resource/ucd-test-\n\nUser ID Required\n\nenvironment\n\nIntegrated Customers\n\nPOST: https://api-flex-clve.fanniemae.com/service\n\nSystem ID Required\n\nApplication Roles\n\nThe following Application Roles are required to access the test environment, for both a User ID and System ID:\n\nApplication Name: UCD Collection CLVE\n\n© 2025 Fannie Mae 7.7.25 Page 1 of 2\n\n• UCDCLVE_SUBMIT\n\n• UCDCLVE_ADMIN\n\nApplication Name: FM Single Sign On - FMSSO\n\n•\n\nFMSSO_AllowBasicAuth_B2BGateway_FCP\n\nPartner Adoption Process\n\nThe following process will be required of all vendors and lenders, to complete adoption of UCD v2.0:\n\n1. Partners will review the provided documentation to determine internal system changes to follow the UCD v2.0 changes.\n2. Once changes are implemented on the partner’s technology, testing should be completed using the UCD v2.0 test cases.\n\nNOTE: Partners are to choose one Purchase and one Refinance from the test cases below to submit for\nvalidation:\n\n• Refinance Fixed (Alternate Form)\n• Refinance ARM (Model Form)\n• Purchase Fixed (Model Form)\n• Purchase ARM (Model Form)\n\n3. Completed test cases should be sent to the Fannie Mae UCD Integration Team for review and validation.\n4. The UCD Integration Team will review the files provided and will work with partners to clear any discrepancies or Fatal\n"}
diff --git a/chunks/json/5a247fc7822a65f0870f58bfbdc13421acd1add79312342ca1add32453310230.json b/chunks/json/5a247fc7822a65f0870f58bfbdc13421acd1add79312342ca1add32453310230.json
new file mode 100644
index 0000000000000000000000000000000000000000..6f2f0970bc8afae92fcd17f2db63ad09332fdf23
--- /dev/null
+++ b/chunks/json/5a247fc7822a65f0870f58bfbdc13421acd1add79312342ca1add32453310230.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":209415,"char_start":207708,"chunk_id":"chk_db58e614a22463ab","chunk_index":117,"chunk_sha256":"5a247fc7822a65f0870f58bfbdc13421acd1add79312342ca1add32453310230","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"5a247fc7822a65f0870f58bfbdc13421acd1add79312342ca1add32453310230","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":"The appraiser must separately report any noncontinuous finished area in the Dwelling Exterior section of the appraisal report.\nNoncontinuous finished area is an above-grade finished area that is not designated as an ADU but is attached to the dwelling with\nno direct interior access. If there are multiple noncontinuous finished areas in a dwelling, then report the combined square\nfootage and room summary in the noncontinuous finished area table in the Dwelling Exterior section of the appraisal report.\n\nAll other areas of the dwelling that do not conform to the ANSI definition of finished area are reported as above- or below-grade\nunfinished area(s).\n\nDetached structures that have finished area(s) must be reported separately in the Outbuilding section. These areas must not be\nincluded in the dwelling’s reported finished, nonstandard, or noncontinuous finished area(s). If multiple ADUs are present, repeat the\ndocumentation process for each unit within the appraisal report to ensure all are properly described and analyzed.\n\nWhen using sketching or 3D scanning software, the resulting output must conform to the ANSI standard. See Exhibits for\nAppraisals in SB4-1.2-01, Appraisal Reports and Exhibits for additional information on footprint sketches and floor plans.\n\nGross Building Finished Area for Two- to Four-Units\n\nThe gross building finished area\n\n•\n•\n\nis the most common comparison for two- to four-unit properties;\nis the total finished area for all dwelling(s) regardless of grade level and whether the finished area is standard or\nnonstandard, including common finished area(s), ADUs, and below-grade finished area(s) not associated with a specific\nunit based on exterior measurements;\n"}
diff --git a/chunks/json/5a2b65c921e3266f804412dbc45a5ddcbd7839f10c3db1f4d83da947f9a9f4ef.json b/chunks/json/5a2b65c921e3266f804412dbc45a5ddcbd7839f10c3db1f4d83da947f9a9f4ef.json
new file mode 100644
index 0000000000000000000000000000000000000000..c9718986bb2964c61ac4eb361a4838da5d945931
--- /dev/null
+++ b/chunks/json/5a2b65c921e3266f804412dbc45a5ddcbd7839f10c3db1f4d83da947f9a9f4ef.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1742,"char_start":0,"chunk_id":"chk_0f24063072eb5077","chunk_index":0,"chunk_sha256":"5a2b65c921e3266f804412dbc45a5ddcbd7839f10c3db1f4d83da947f9a9f4ef","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8cf8bfce52303d89","text_sha256":"5a2b65c921e3266f804412dbc45a5ddcbd7839f10c3db1f4d83da947f9a9f4ef","token_estimate":436,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-integration-impact-memo-aug-20-2025.pdf"]},"text":"Desktop Underwriter/Desktop Originator Integration Impact Memo\nTesting Availability\n\nAug. 20, 2025\n\nDuring the weekend of May 17, 2025, Fannie Mae implemented an update to Desktop Underwriter® (DU®) Version 12.0. At that time,\nTechnology Service Providers (TSPs) were advised of delayed testing for the new DU messages related to Income Calculator.\n\nNew DU messages referencing Income Calculator\n\nThere are three new messages (message IDs 3743, 3745, and 3747) confirming eligibility for enforcement relief of representations\n& warranties offered by Income Calculator. These messages can now be tested in the integration environment. An updated DU\nmessage file will be published in the future.\n\nSystem Updates\n\nPlease review this memo in addition to the FAQs to ensure that your integrated system(s) will be prepared to fully support DU\nsubmissions within 120 days, as outlined in Section 5 of the Software Subscription Agreement.\n\nThe DU Specification was expanded as described below per the May 2024 Integration Impact Memo. TSPs must make these\nupdates so the Income Calculator evaluation information can be matched to income data in the DU submission.\n\nUnique ID\n\nMISMO v3.4 Data Point Name\n\nSupported Value\n\nDescription\n\n4.0316\n\n4.0318\n\nDU:VerificationReportSupplierType\n\nIncomeCalculator\n\nDU:VerificationReportType\n\nIncomeCalculator\n\n4.0317\n\nDU:VerificationReportIdentifier\n\nTo identify when income amounts submitted to\nDU are supported by an Income Calculator\nevaluation. Refer to the Income Calculator page\nfor additional information on this tool.\n\nTo provide the Income Calculator generated ID for\neach borrower/employer or borrower/rental\nproperty combination. There may be more than\none Income Calculator ID for a DU loan casefile.\n"}
diff --git a/chunks/json/5a417e818a2cd9af5fbe8179b8efd1945f1f4d6048e69ff124d90359e198e5e6.json b/chunks/json/5a417e818a2cd9af5fbe8179b8efd1945f1f4d6048e69ff124d90359e198e5e6.json
new file mode 100644
index 0000000000000000000000000000000000000000..c740cf1f77d8731d21cc37c309c0e7d457516502
--- /dev/null
+++ b/chunks/json/5a417e818a2cd9af5fbe8179b8efd1945f1f4d6048e69ff124d90359e198e5e6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":741080,"char_start":739412,"chunk_id":"chk_2fff66bd55107891","chunk_index":439,"chunk_sha256":"5a417e818a2cd9af5fbe8179b8efd1945f1f4d6048e69ff124d90359e198e5e6","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5a417e818a2cd9af5fbe8179b8efd1945f1f4d6048e69ff124d90359e198e5e6","token_estimate":417,"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='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\n99\n\nPROJECT SITE\n\n100\n\nPROJECT SITE\n\n101\n\nPROJECT SITE\n\n102\n\nPROJECT SITE\n\n103\n\nPROJECT SITE\n\nIs the highest and best use of the subject\nproperty as improved (or as proposed per\nplans and specifications) the present\nuse? Yes\n\nIs the highest and best use of the subject\nproperty as improved (or as proposed per\nplans and specifications) the present\nuse? No\n\nIs the highest and best use of the subject\nproperty as improved (or as proposed per\nplans and specifications) the present\nuse? If No, describe\n\nUtilities\nElectricity\nPublic\n\nUtilities\nElectricity\nOther\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/5a58c13495c4553cb8f92ded890aa8ea78349f5245bbcc571a58cc445436f8ec.json b/chunks/json/5a58c13495c4553cb8f92ded890aa8ea78349f5245bbcc571a58cc445436f8ec.json
new file mode 100644
index 0000000000000000000000000000000000000000..d66d3f5771604389e45cc1dbd6cc326db7bf7080
--- /dev/null
+++ b/chunks/json/5a58c13495c4553cb8f92ded890aa8ea78349f5245bbcc571a58cc445436f8ec.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11690,"char_start":9341,"chunk_id":"chk_b0b541e86a2d932c","chunk_index":5,"chunk_sha256":"5a58c13495c4553cb8f92ded890aa8ea78349f5245bbcc571a58cc445436f8ec","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5a58c13495c4553cb8f92ded890aa8ea78349f5245bbcc571a58cc445436f8ec","token_estimate":588,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Represents the page number on the appraisal form.\n\nForm Reference Number\n\nRepresents the form reference number on the appraisal form.\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nRepresents the form section on the appraisal form.\n\nRepresents the form field label on the appraisal form.\n\nRepresents the name for a given data element/attribute.\n• MISMO data point names were obtained from the MISMO Logical Data Dictionary (LDD) version 2.6.\n• Several data points were created as an extension. The extension data point names were defined by the GSEs and will not be available in the MISMO LDD.\n\nRepresents the definition for the corresponding data point name.\n• MISMO data point definitions were obtained from the MISMO LDD version 2.6.\n• The extension data point definitions were defined by the GSEs and will not be available in the MISMO LDD version 2.6.\n\nXPath\n\nRepresents the XPath used to navigate through elements and attributes in an XML document. The XPath includes the supported enumerated value for the corresponding data point\nwhen applicable.\n\nField Length\n\nRepresents the allocated field length for XML. The form field length for PDF rendering must not exceed the allocated field length for the XML.\n\nFormat\n\nUnless otherwise noted, format field types supported are:\n• Boolean - The boolean data type represents an attribute that always has the values of ‘Y’ or ‘N’ representing a ‘Yes’ or ‘No’ value. The Y or N values must be provided in upper\ncase or the appraisal XML file will fail schema validation\n• Date/Time - The date/time data type represents a date only. The date must contain a dash (-) between the Year, Month, and Date – for example: 2010-03-25\n• Enumerated - The enumerated data type represents a list of predefined values\n• Money - The money data type represents whole numeric values only. The numeric value should not contain dollar signs ($) or commas (,)\n• Numeric - The numeric data type represents a numeric value only and used for ‘non-money’ data. The numeric value should not contain commas (,)\n• String - The string data type represents character strings in an appraisal XML file and may contain a word, phrase, sentence or paragraph. Each string field has a maximum\ncharacter limit specified. Refer to Appendix A or Appendix B for the field length allocated for the string data type.\n"}
diff --git a/chunks/json/5a5ba912c0e7fa7f9865e407d8494ec16e232fd750a87b8d82baa3ab033dbfce.json b/chunks/json/5a5ba912c0e7fa7f9865e407d8494ec16e232fd750a87b8d82baa3ab033dbfce.json
new file mode 100644
index 0000000000000000000000000000000000000000..d47f02850fd032ffd0dc74bc474330187884f956
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+++ b/chunks/json/5a5ba912c0e7fa7f9865e407d8494ec16e232fd750a87b8d82baa3ab033dbfce.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":355864,"char_start":354140,"chunk_id":"chk_b24af316007254f4","chunk_index":210,"chunk_sha256":"5a5ba912c0e7fa7f9865e407d8494ec16e232fd750a87b8d82baa3ab033dbfce","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"5a5ba912c0e7fa7f9865e407d8494ec16e232fd750a87b8d82baa3ab033dbfce","token_estimate":431,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"12 Outbuilding\n\n12 Outbuilding\n\nThe Outbuilding section provides information about additional structures on the site, other than the main\nresidence(s). Examples include standalone ADUs, barns, and pool houses. The section repeats for each\noutbuilding, and outbuilding characteristics determine the amount of information reported. The Outbuilding\nsection provides space for additional commentary, exhibits, and any apparent defects, damages, or deficiencies.\n\nThe display of the Outbuilding section varies depending on whether the outbuilding is real property and\nwhether it contains an ADU.\n\nWhen a detached garage has no additional separate area, it is reported in Vehicle Storage, and not reported as\nan outbuilding. Reference Appendix 4: Detached Garage Examples for additional information and examples.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nOutbuilding: General Information\n\n12.002 Considered Real\nProperty\n\n12.003 Units in\n\nStructure\n\nAlways required\n\nYes | No\n\nNumber\n\nRequired if\nOutbuilding\nConsidered Real\nProperty is Yes\n\nOutbuilding Considered Real Property: Indicates whether the outbuilding is\nconsidered real property (e.g., permanently affixed to the land).\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 is captured in the Unit Interior\nsection that displays after the associated Outbuilding section.\n"}
diff --git a/chunks/json/5a671ad85c4ce02b9d4134d69db1ce238c59d505c02d7d5a3e2141c62ed5cc37.json b/chunks/json/5a671ad85c4ce02b9d4134d69db1ce238c59d505c02d7d5a3e2141c62ed5cc37.json
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index 0000000000000000000000000000000000000000..88696d17e361518721801ff9173c85b8c92d2c13
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+++ b/chunks/json/5a671ad85c4ce02b9d4134d69db1ce238c59d505c02d7d5a3e2141c62ed5cc37.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":182169,"char_start":180555,"chunk_id":"chk_0cfa53a2aa577111","chunk_index":186,"chunk_sha256":"5a671ad85c4ce02b9d4134d69db1ce238c59d505c02d7d5a3e2141c62ed5cc37","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"5a671ad85c4ce02b9d4134d69db1ce238c59d505c02d7d5a3e2141c62ed5cc37","token_estimate":403,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"o Total Linear Measurement – WaterFrontageTotalLengthLinearMeasure, @LinearUnitOfMeasureType (UID: 1500.0091,\n\nFID: 4.031) displays\n\n▪ Display Linear Measurement and Unit of Measure in same cell\n\no Permanent Waterfront Feature - WaterfrontFeatureType (UID: 1500.0082, FID: 4.032) displays, e.g., Beach, Dock, etc.\n\n▪ When there are multiple waterfront features, display as stacked on separate lines.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 124\n\no Right to Build - WaterfrontDevelopmentRightsIndicator (UID: 1500.0092, FID: 4.033) displays when\n\nWaterfrontFeatureType = \"None\"\n\no Frontage - BodyOfWaterType (UID: 1500.0073, FID: 4.034) – e.g., Bay, Canal, Cove, etc.\n▪ This field redisplays from Site Influence Detail - FID: 4.027 (Figure 4 - 7)\n\no Name - BodyOfWaterName (UID: 1500.0072, FID: 4.035) displays when provided\no Waterfront Access Rights - WaterAccessRightType (UID: 1500.0079, FID: 4.036) displays\no Access Depth - WaterAccessDepthType (UID: 1500.0197, FID: 4.037) displays\no Water Frontage Commentary - ValuationAnalysisCategoryType (UID: 1500.0253, FID: 4.037) = “WaterFrontages”\n\ndisplays when provided\n\nNote: When PrivateAccessIndicator = “true”, an image must be provided in Site Exhibits with\n\nImageCategoryType = “WaterFrontage”.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 4 - 7\n\nPage 125\n\nView and Impact to Value/Marketability\n\nThe View and Impact to Value/Marketability subsection always displays. Additional information is always required for each view. Each view\ndisplays as a separate row in the table. (Figure 4 - 8)\n\nAppendix B-1: URAR Implementation Guide v1.3\n"}
diff --git a/chunks/json/5a73c416a4729aa309eeb35619dc531d34e8de0d49d950164ddecda934c64a43.json b/chunks/json/5a73c416a4729aa309eeb35619dc531d34e8de0d49d950164ddecda934c64a43.json
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index 0000000000000000000000000000000000000000..3a36d77c69d490d3a5534d35ce93555cc33b59e5
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+++ b/chunks/json/5a73c416a4729aa309eeb35619dc531d34e8de0d49d950164ddecda934c64a43.json
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+{"chunk":{"char_end":56035,"char_start":48515,"chunk_id":"chk_f0f7d657da7fd686","chunk_index":12,"chunk_sha256":"5a73c416a4729aa309eeb35619dc531d34e8de0d49d950164ddecda934c64a43","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"5a73c416a4729aa309eeb35619dc531d34e8de0d49d950164ddecda934c64a43","token_estimate":3460,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"B. For More Information .............................................................................................................................................................219\n22.0 Other Disclosures ....................................................................................................................................................................221\nA. Mapping Guidance ..................................................................................................................................................................222\nB. For More Information .............................................................................................................................................................222\n23.0 Contact Information ................................................................................................................................................................223\n23.0.1 – 23.0.5 Contact Information Parties - UPDATED..........................................................................................................223\n23.0.1 Lender .......................................................................................................................................................................... 224\n23.0.2 Mortgage Broker ......................................................................................................................................................... 224\n23.0.3 Borrower’s Real Estate Broker ................................................................................................................................... 224\n23.0.4 Seller’s Real Estate Broker.......................................................................................................................................... 224\n23.0.5 Settlement Agent ........................................................................................................................................................ 224\n23.1 – 23.9 Party Information.....................................................................................................................................................224\n23 .1 Name (Company) ....................................................................................................................................................... 224\n23 .2 Addr ess ......................................................................................................................................................................... 225\n23 .3 NMLS ID (Organization)............................................................................................................................................ 225\n23 .4 Sta te Code + License I D - UPDATED ........................................................................................................................ 225\n23 .5 Contact (Primary) .......................................................................................................................................................... 225\n23 .6 NMLS ID (Contac t) ..................................................................................................................................................... 225\n23 .7 Sta te Code + License I D - UPDATED ...................................................................................................................... 225\n23 .8 Email .............................................................................................................................................................................. 225\n23 .9 Phone ............................................................................................................................................................................. 225\nA. Contact Table Relationships in the UCD File .........................................................................................................................226\n1.\n"}
diff --git a/chunks/json/5a8aab65e1da13ab9a412b0ad0f487bbe9910f66f75a7fa8f2f2d019fbccc74e.json b/chunks/json/5a8aab65e1da13ab9a412b0ad0f487bbe9910f66f75a7fa8f2f2d019fbccc74e.json
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index 0000000000000000000000000000000000000000..2f5199442a3ab7c994a90ab6be422a3a0c49a75c
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+++ b/chunks/json/5a8aab65e1da13ab9a412b0ad0f487bbe9910f66f75a7fa8f2f2d019fbccc74e.json
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+{"chunk":{"char_end":205119,"char_start":203515,"chunk_id":"chk_3db6b5821f739d11","chunk_index":200,"chunk_sha256":"5a8aab65e1da13ab9a412b0ad0f487bbe9910f66f75a7fa8f2f2d019fbccc74e","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"5a8aab65e1da13ab9a412b0ad0f487bbe9910f66f75a7fa8f2f2d019fbccc74e","token_estimate":401,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Page 142\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n06 Energy Efficient and Green Features\n\nPage 143\n\nThe Energy Efficient and Green Features section provides information about the following and their impacts to value and/or marketability:\n\n• Renewable energy components, such as solar panels\n• Building certifications, such as Leadership in Energy and Environmental Design (LEED) and National Green Building Standard (NGBS\n\nGreen™)\n\n• Green efficiency ratings, such as HERS® and WaterSense\n\nThis section provides space for additional commentary and exhibits.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 144\n\nThe Energy Efficient and Green Features section displays when one or more of the three energy efficient or green features is “true”. (Figure 6\n- 1)\n\n• Known Renewable Energy Components: RenewableEnergyComponentExistsIndicator (UID: 2600.0005, FID: 6.000)\n• Known Building Certifications: GreenCertificationExistsIndicator(UID: 2600.0004, FID: 6.004)\n• Known Efficiency Ratings: EfficiencyRatingExistsIndicator (UID: 2600.0003, FID:6.010)\n\nFigure 6 - 1\n\nIf all indicators are “false”, the section does not display.\nIf one indicator is “true”, the section displays.\n\n•\n•\n• When RenewableEnergyComponentExistsIndicator (UID: 2600.0005, FID: 6.000) = “true”, do not display “Known Renewable Energy\n\nComponents” (Figure 6 - 2)\n\n• When an indicator is “true”, a table with additional data displays. (Figure 6 - 3)\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 145\n\nFigure 6 - 2\n\nFigure 6 - 3\n\nReport\nField ID\n\nReport Label\n\nEnergy Efficient and Green Features: General Information\n"}
diff --git a/chunks/json/5abada04e89372e3642ffd7f2a619cc2e06b9e19ec9a568b49530acefb90875e.json b/chunks/json/5abada04e89372e3642ffd7f2a619cc2e06b9e19ec9a568b49530acefb90875e.json
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index 0000000000000000000000000000000000000000..efe2144307021a74b88f41519638b309c9bf7a7d
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+++ b/chunks/json/5abada04e89372e3642ffd7f2a619cc2e06b9e19ec9a568b49530acefb90875e.json
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+{"chunk":{"char_end":28669,"char_start":21220,"chunk_id":"chk_a7e327c72b4aa865","chunk_index":14,"chunk_sha256":"5abada04e89372e3642ffd7f2a619cc2e06b9e19ec9a568b49530acefb90875e","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"5abada04e89372e3642ffd7f2a619cc2e06b9e19ec9a568b49530acefb90875e","token_estimate":3563,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Revision History ...................................................................................................................................................................................... 2\nTable of Contents .................................................................................................................................................................................... 8\nIntroduction ............................................................................................................................................................................................ 9\nOverview ............................................................................................................................................................................................... 10\nHeader and Footer ................................................................................................................................................................................ 24\n01 Summary .......................................................................................................................................................................................... 25\n02 Assignment Information ................................................................................................................................................................... 33\n03 Subject Property ............................................................................................................................................................................... 46\n04 Site ................................................................................................................................................................................................... 55\n05 Disaster Mitigation ........................................................................................................................................................................... 85\n06 Energy Efficient and Green Features ................................................................................................................................................. 87\n07 Sketch............................................................................................................................................................................................... 91\n08 Dwelling Exterior .............................................................................................................................................................................. 92\n09 Manufactured Home ...................................................................................................................................................................... 116\n10 Unit Interior.................................................................................................................................................................................... 125\n11 Functional Obsolescence ................................................................................................................................................................ 148\n12 Outbuilding .................................................................................................................................................................................... 150\n13 Vehicle Storage ............................................................................................................................................................................... 161\n14 Subject Property Amenities ............................................................................................................................................................ 166\n15 Overall Quality and Condition .........................................................................................................................................................\n"}
diff --git a/chunks/json/5acd447b986486cc8b9ded4a294a89efc7d0f0d66739b567e5254c5c0b027e57.json b/chunks/json/5acd447b986486cc8b9ded4a294a89efc7d0f0d66739b567e5254c5c0b027e57.json
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+++ b/chunks/json/5acd447b986486cc8b9ded4a294a89efc7d0f0d66739b567e5254c5c0b027e57.json
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+{"chunk":{"char_end":165637,"char_start":164012,"chunk_id":"chk_7acc30d87aba077c","chunk_index":96,"chunk_sha256":"5acd447b986486cc8b9ded4a294a89efc7d0f0d66739b567e5254c5c0b027e57","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"5acd447b986486cc8b9ded4a294a89efc7d0f0d66739b567e5254c5c0b027e57","token_estimate":406,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Reference published guidelines by the GSEs, government agencies, or other\nidentified secondary market participants for specific guidance.\n\n4.028\n\nImpact\n\n4.029\n\nComment\n\nAdverse,\nBeneficial, or\nNeutral\n\nFree-form\n\nRequired for each\nidentified Apparent\nEnvironmental\nCondition\n\nRequired for each\nidentified Apparent\nEnvironmental\nCondition\n\nCommentary on the nature of the environmental condition, and its impact to\nvalue and / or marketability.\n\nAllowable Answer\n\nNone\n\nHazardous Above Ground\nStorage Tank\n\nApparent Environmental Condition (Choose all that apply)\n\nDefinition / Additional Guidance\n\nSelect this answer if there are no apparent environmental conditions that influence the property, and the Apparent\nEnvironmental Condition row does not display.\n\nStationary storage tank above the surface grade with capacity of 1000 gallons or more of flammable or explosive material.\n\nHazardous Substances\n\nAny material that may be harmful to humans, the property, and / or the environment.\n\nLandfill\n\nRadon\n\nAn area of land that is built up from deposits of solid refuse in layers covered by soil.\n\nA heavy radioactive gaseous element formed by the decay of radium.\n\nAppendix F-1: URAR Reference Guide\n\nPage 64 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nAllowable Answer\n\nSlush Pit\n\nApparent Environmental Condition (Choose all that apply)\n\nDefinition / Additional Guidance\n\nEarthen pit or basin excavated next to drilling rigs that are used for the collection and disposal of drilling muds and well\ncuttings.\n\nSoil Contamination\n\nThe presence of chemicals or other alterations to the natural soil environment.\n"}
diff --git a/chunks/json/5ad18e68e3859d0a810f8c83c5bcd0d3e360a5f0f39cfedabf9e4f0c789c7c68.json b/chunks/json/5ad18e68e3859d0a810f8c83c5bcd0d3e360a5f0f39cfedabf9e4f0c789c7c68.json
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+{"chunk":{"char_end":291072,"char_start":289447,"chunk_id":"chk_facccd4b00ea6fbe","chunk_index":168,"chunk_sha256":"5ad18e68e3859d0a810f8c83c5bcd0d3e360a5f0f39cfedabf9e4f0c789c7c68","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"5ad18e68e3859d0a810f8c83c5bcd0d3e360a5f0f39cfedabf9e4f0c789c7c68","token_estimate":407,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Vehicle Storage\n\nStorage\nDriveway\n\nGarage\n\nNumber of Parking Spaces\n5\n\n2\n\nDetail\nGravel\n\nDetached\n700 Sq. Ft.\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\nNone\n\nAppraisal Version #3\n\nFannie Mae | Freddie Mac\nSeptember 2024\n\nAppraiser Reference ID\n\n2222-55HG\n\nClient Reference ID BL2345-1234567\n\nManufactured Home Scenario 1 (MH1)\n\nUniform Residential Appraisal Report\n\nPage 15 of 30\n\nVehicle Storage (continued)\n\nVehicle Storage Exhibits\n\nGarage - Unfinished Space\n\nSubject Property Amenities\n\nAmenity Category\nOutdoor Living\n\nSubject Property Amenity\nDeck\n\nMaterial\nWood\n\nWood\n\nWhole Home\n\nIndoor Fireplace\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities)\n\nNone\n\nSubject Property Amenities Exhibits\n\nDeck - Deck 1\n\nDeck - Deck 2\n\nDetail\n100 Sq. Ft.\nNot Attached to Manufactured Home\n\n100 Sq. Ft.\nNot Attached to Manufactured Home\n\nTotal Number - 1\n\nThis is where the Deck 1 photo would display.\n\nThis is where the Deck 2 photo would display.\n\nIndoor Fireplace\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 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"}
diff --git a/chunks/json/5ad20880fbdf0bad76b733dbd13a4d9226f71d0aed4b02c7270537e2adfc0d8a.json b/chunks/json/5ad20880fbdf0bad76b733dbd13a4d9226f71d0aed4b02c7270537e2adfc0d8a.json
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+{"chunk":{"char_end":8399,"char_start":7470,"chunk_id":"chk_139d35bc52790cbb","chunk_index":5,"chunk_sha256":"5ad20880fbdf0bad76b733dbd13a4d9226f71d0aed4b02c7270537e2adfc0d8a","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6fb273234d375c90","text_sha256":"5ad20880fbdf0bad76b733dbd13a4d9226f71d0aed4b02c7270537e2adfc0d8a","token_estimate":410,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-numbered-closing-disclosure.pdf"]},"text":"7.5.1 to Payee Type & Name\n\n7.4.1 $\n\n7.5.2 $\n\n7.5.3 $\n\n7.5.4 $\n\n7.5.5 $\n\n7.5.6 $\n\n7.6 C. Services Borrower Did Shop For\n7.7 Fee Item\n\n7.7.1 to Payee Type & Name\n\n7.6.1 $\n\n7.7.2 $\n\n7.7.3 $\n\n7.7.4 $\n\n7.7.5 $\n\n7.7.6 $\n\n7.8 D. TOTAL LOAN COSTS (Borrower-Paid)\n7.9 Loan Costs Subtotals (A + B + C)\n\n7.8.1 $\n\n7.9.2 $\n\n7.9.3 $\n\nOther Costs\n8.1 E. Taxes and Other Government Fees\n8.2 Recording Fees\n8.3 Transfer Tax\n\n8.0\n\n8.2 Deed: 8.2.1 $ 8.2 Mortgage 8.2.1 $\n8.3.1 to Jurisdiction Name\n\n8.1.1 $\n\n8.2.2 $\n8.3.2 $\n\n8.2.3 $\n8.3.3 $\n\n8.2.4 $\n8.3.4 $\n\n8.2.5 $\n8.3.5 $\n\n8.2.6 $\n8.3.6 $\n\n8.4 F. Prepaids\n8.5 Homeowner’s Insurance Premium 8.5.1 (n mo.) to Payee Type & Name\n8.6.1 (n mo.) to Payee Type & Name\n8.6 Mortgage Insurance Premium\n8.7.1 ($ per day from Date to Date)\n8.7 Prepaid Interest\n8.8.1 (n mo.) to Payee Type & Name\n8.8 Property Taxes\n8.9.1 (n mo.) to Payee Type & Name\n8.9 Prepaid Item\n\n8.5.2 $\n8.6.2 $\n8.7.2 $\n8.8.2 $\n8.9.2 $\n"}
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+++ b/chunks/json/5ae3e14544321fb5d44a1c1c7319b00e1a57922810dc710df050405ec581d4e5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1616,"char_start":0,"chunk_id":"chk_fbef47f4cf7783ec","chunk_index":0,"chunk_sha256":"5ae3e14544321fb5d44a1c1c7319b00e1a57922810dc710df050405ec581d4e5","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_add64810cae012ee","text_sha256":"5ae3e14544321fb5d44a1c1c7319b00e1a57922810dc710df050405ec581d4e5","token_estimate":404,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-3 Completion Report with Codes.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix E‐3: Report Style Guide Supplement – Completion Report with Codes\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 Freddie Mac and Fannie Mae. Trademarks of the respective owners.\n\nRevision History\n\nDate\n\nVersion #\n\nReport Section\n\nChange #\n\nRevision Description\n\n9/17/2024\n\n1.2\n\nFooter\n\n2024‐028\n\nUpdated date in Footer to September 2024\n\nFooter\n\n2023‐061\n\nUpdated date in Footer to December 2023\n\n12/12/2023\n\n3/29/2023\n\n1.1\n\n1.0\n\nCertifications and Scope\nof Work\n\n2023‐003\n\nUpdated predefined text for all Supervisory Appraiser Certifications\n\nInitial Publication\n\nIntroduction\n\nThe Report Style Guide Supplement is a visual guide to the Report Style Guide.\n\nEach section of the Uniform Residential Appraisal Report (URAR), Restricted Appraisal Update Report, and\nCompletion Report is provided with codes in the Report Style Guide. Codes are the specific type face, placement,\nand visual treatment that must be applied for each component within the sections.\n\nAppendix E Supplements are as follows:\n\n Report Style Guide Supplement – URAR with Codes\n\n Report Style Guide Supplement – Restricted Appraisal Update Report with Codes\n\n Report Style Guide Supplement – Completion Report with Codes\n\nHDR-L\n\nTAB\n\nSubject Property\n\nTXR-B\nTXR-B\n\nPhysical Address\nCounty\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nH1\n\nTXC\n\nTAB\n\nTXR-B\n\nTXR-B\nTXC-B\n\nLegal Description\n"}
diff --git a/chunks/json/5aeab9abd349ff25bd1561e766053e1c851f710719b719551d175c953a7bf877.json b/chunks/json/5aeab9abd349ff25bd1561e766053e1c851f710719b719551d175c953a7bf877.json
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index 0000000000000000000000000000000000000000..cd6a1cca1031c60fca3468f8334811a3d23e9261
--- /dev/null
+++ b/chunks/json/5aeab9abd349ff25bd1561e766053e1c851f710719b719551d175c953a7bf877.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":247191,"char_start":245532,"chunk_id":"chk_6f5b2aba4d955712","chunk_index":145,"chunk_sha256":"5aeab9abd349ff25bd1561e766053e1c851f710719b719551d175c953a7bf877","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"5aeab9abd349ff25bd1561e766053e1c851f710719b719551d175c953a7bf877","token_estimate":415,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Information for each Exterior Feature\n\nDwelling Exterior: Quality and Condition – Information for each Exterior Feature\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n8.024\n\nN/A\n\nAlways displays\n\nN/A\n\nDefinition / Additional Guidance\n\nThe table below supports the Exterior Quality and Condition ratings and reflects\nthe market value condition of this report\n\n8.041\n\nFeature\n\nAlways required\n\nChoose applicable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nExterior Feature\n•\nExterior Walls and Trim\n•\nFoundation\n•\nRoof\n• Windows\n•\n\nOther (Describe) - If applicable (Exterior Feature Other Description)\n\n8.026\n8.030\n8.034\n8.038\n8.043\n\n8.028\n8.032\n8.036\n8.040\n8.045\n\nQuality\nComment\n\nIf needed to describe\nthe current quality of\nthe exterior feature\n\nFree-form\n\nBrief description of the quality of the exterior feature as of the effective date.\nFor further expansion of commentary, use Dwelling Exterior Commentary\n(8.061).\nNotes:\n•\n\nFor manufactured homes, the appraiser must indicate whether tie downs\nor anchoring systems exist.\nFor CHOICEHome® and MH Advantage®, the appraiser must confirm\nwhether or not the home has a “solid perimeter foundation”.\n\n•\n\nCondition\nComment\n\nIf needed to describe\nthe current condition\nof the exterior feature\n\nFree-form\n\nA brief description of the current condition of the exterior feature as of the\neffective date. For further expansion of commentary, use Dwelling Exterior\nCommentary (8.061).\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"}
diff --git a/chunks/json/5aebe9ee49d1a3984289f1be5e14a0dff934d010418a5d4859797a74ee1eeef1.json b/chunks/json/5aebe9ee49d1a3984289f1be5e14a0dff934d010418a5d4859797a74ee1eeef1.json
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index 0000000000000000000000000000000000000000..fcf8aeaf1ab35fe36bf21bbdc4ff0d3b3e244f17
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+++ b/chunks/json/5aebe9ee49d1a3984289f1be5e14a0dff934d010418a5d4859797a74ee1eeef1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":345349,"char_start":343554,"chunk_id":"chk_d6780a5bfeb833bd","chunk_index":199,"chunk_sha256":"5aebe9ee49d1a3984289f1be5e14a0dff934d010418a5d4859797a74ee1eeef1","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"5aebe9ee49d1a3984289f1be5e14a0dff934d010418a5d4859797a74ee1eeef1","token_estimate":449,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Search 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\nDate\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"}
diff --git a/chunks/json/5af214ad9d5e08eed7b4a7a95a83c16d55324e06cd0dfd9ed84d9fc14a18d5ec.json b/chunks/json/5af214ad9d5e08eed7b4a7a95a83c16d55324e06cd0dfd9ed84d9fc14a18d5ec.json
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index 0000000000000000000000000000000000000000..1750d4c3000745c6c344fec5f4b08bca9339dd50
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+++ b/chunks/json/5af214ad9d5e08eed7b4a7a95a83c16d55324e06cd0dfd9ed84d9fc14a18d5ec.json
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+{"chunk":{"char_end":12680,"char_start":11625,"chunk_id":"chk_aa24a1fbf6b481c7","chunk_index":11,"chunk_sha256":"5af214ad9d5e08eed7b4a7a95a83c16d55324e06cd0dfd9ed84d9fc14a18d5ec","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"5af214ad9d5e08eed7b4a7a95a83c16d55324e06cd0dfd9ed84d9fc14a18d5ec","token_estimate":409,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"Proximity\n4.0(cid:21)(cid:25)\n\nDetail\n4.0(cid:21)(cid:26)\n\nImpact\n4.0(cid:21)(cid:27)\n\nComment\n4.0(cid:21)(cid:28)\n\nSite Influence Commentary\n\n4.030\n\nWater Frontage with Private Access\n\nTotal Linear Measurement\n\n4.0(cid:22)(cid:20)\n\nFrontage\n4.0(cid:22)(cid:23)\n\nName\n4.0(cid:22)(cid:24)\n\nWater Frontage Commentary\n\n4.0(cid:22)(cid:27)\n\nView and Impact to Value/Marketability\n\nView\n4.0(cid:22)(cid:28)\n\nView Commentary\n\n4.0(cid:23)(cid:21)\n\nPermanent Waterfront Feature\n\n4.0(cid:22)(cid:21)\n\nRight to Build\n\n4.0(cid:22)(cid:22)\n\nWaterfront Access Rights\n4.0(cid:22)(cid:25)\n\nAccess Depth\n4.0(cid:22)(cid:26)\n\nRange of View\n4.0(cid:23)(cid:19)\n\nImpact\n4.0(cid:23)(cid:20)\n\nSite Features and Impact to Value/Marketability\n\nFeature\nNon-Residential Property Use\n\n4.0(cid:23)(cid:22)\n\nHazard Zone\n\nProperty Restriction\n\nEasement\n\nEncroachment\n\nSite Characteristic\n\nDetail\n4.0(cid:23)(cid:23)\n\n4.0(cid:23)(cid:26)\n\n4.0(cid:24)(cid:19)\n\n4.0(cid:24)(cid:20)\n\n4.0(cid:24)(cid:23)\n\n4.0(cid:24)(cid:24)\n\n4.0(cid:24)(cid:27)\n\n4.0(cid:24)(cid:28)\n\n4.0(cid:25)(cid:21)\n"}
diff --git a/chunks/json/5af724b805a9c0457ecd7db805df4f7d40ee40edd533e4fb2019227a96d2fdfe.json b/chunks/json/5af724b805a9c0457ecd7db805df4f7d40ee40edd533e4fb2019227a96d2fdfe.json
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index 0000000000000000000000000000000000000000..1cbc98cea8c9165d88f0939535fb9567649be466
--- /dev/null
+++ b/chunks/json/5af724b805a9c0457ecd7db805df4f7d40ee40edd533e4fb2019227a96d2fdfe.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1599,"char_start":0,"chunk_id":"chk_579dd2d577877f05","chunk_index":0,"chunk_sha256":"5af724b805a9c0457ecd7db805df4f7d40ee40edd533e4fb2019227a96d2fdfe","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_44da942cd9ee500b","text_sha256":"5af724b805a9c0457ecd7db805df4f7d40ee40edd533e4fb2019227a96d2fdfe","token_estimate":400,"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\nAssessorRecord\n\nPropertyManagementCompany\n\n23412-D\n\nMLS\n\n32481-D\n\nMLS\n\n12438-D\n\nMLS\n\nBig Data Price Trends, Inc.\n\n700 1st Ave, NW\n\nUnit\n\n1206\n\nWashington\n\nDistrict of Columbia\n\n20001\n\nDC\n\nParkingGarage\n\n1\n\nOwned\n\nNone\n\nThe subject's project and building are on the National Register of Historic Places; as such it serves as an architectural landmark. Its nomenclature as a Historic Designation is considered beneficial in this market. Moreover, the subject's unit and all other units located in this project reap the benefit of this Historic Designation.\n\nHistoricPreservation\n\nBeneficial\n\nConditionsCovenantsRestrictions\n\nfalse\n\nfalse\n\nfalse\n\n1\n\nRainwater runoff can carry pesticides, plastics, wastewater, and agricultural runoff that is released into the Potomac.\n\nOffsite\n\nHazardousSubstances\n\nNeutral\n\nNone\n\n2631\n\nMonthly\n\nAssociationDues\n\nElectricity\n\nGas\n\nSanitarySewer\n\nWater\n\nAssociationSpecialAssessment\n\nNone\n\n3000\n\nOneTime\n\nOwnershipTransferFee\n\ntrue\n\nfalse\n\ntrue\n\nfalse\n\nDwelling\n\nfalse\n\nfalse\n\n1971\n\nfalse\n\nNone\n\nCarpet\n\nThe flooring throughout the subject has been replaced over the last 2-5 years.\n\nTypicalWearAndTear\n\nBlended wool carpet, pad\n\nHardwood\n\nRefinished approximately 5 years ago.\n\nTypicalWearAndTear\n\nRefinished hardwood flooring\n\nFlooring\n\nFullyUpdated\n\nAdd comment if needed.\n\nTypicalWearAndTear\n\nAdd comment if needed.\n\nWallsAndCeiling\n\nEightFeet\n\nFlat\n\nAboveGrade\n\n1209\n\nLevelOne\n\n0\n\n0\n\n0\n\n0\n\n0\n\n1209\n\n0\n\nfalse\n\nfalse\n\n1\n\nfalse\n\n12\n\n1\n\n0\n\nC3\n\nQ3\n\n1\n\nFullyUpdated\n\nfalse\n\nfalse\n\nOwnerOccupied\n\nAdditional commentary can be added here, if needed by the Appraiser.\n"}
diff --git a/chunks/json/5af740f4177fc86e1c188b676206589497a8635c76c83d6bf296838a1c1233d1.json b/chunks/json/5af740f4177fc86e1c188b676206589497a8635c76c83d6bf296838a1c1233d1.json
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index 0000000000000000000000000000000000000000..b7b6667066d87de4e4bd371209c7092530a4b6ec
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+++ b/chunks/json/5af740f4177fc86e1c188b676206589497a8635c76c83d6bf296838a1c1233d1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3265,"char_start":1618,"chunk_id":"chk_f09cf1352e8d7431","chunk_index":1,"chunk_sha256":"5af740f4177fc86e1c188b676206589497a8635c76c83d6bf296838a1c1233d1","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_882b8fe454c060e8","text_sha256":"5af740f4177fc86e1c188b676206589497a8635c76c83d6bf296838a1c1233d1","token_estimate":412,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/uad-36-inspection-and-reporting-tips.pdf"]},"text":"the grids (Sales Comparison, Rental Comparison, GRM Comparison).\n\nInspection and Reporting Tips\n\nBelow is a quick guide to the key UAD 3.6 differences from UAD 2.6.\n\nFor additional details on each item summarized in Inspection and Reporting Tips, see Appendix F-1: URAR\nReference Guide. The Report Field ID (red number) identifies the field on the URAR, which can be used to\nlocate the field within the URAR Reference Guide.\n\n2\n\nSection Name\n(Black Tab)\n\nWhen Physically Inspecting the Property\n\nNon-Residential Use\n\n4.015-4.019\n\nSite\n\nWater Frontage with Private Access\n\n4.031-4.038\n\nData Description (Not all enumerations have been included.\nRefer to the Reference Guide for all enumerations.)\n\nNon-residential uses | Primarily Residential |Non-Residential\nModifications | Any impact on marketability\n\nHas private access to water | Access Rights (By Permit,\nDeeded, Privately Owned...) | Right to Build | Total Linear\nMeasurement | Access Depth (Deep Water, Non-Navigable,\nShallow Water...)\n\nView and Impact to\nValue/Marketability\n\n4.039-4.042\n\nView (Primary) | Range (Full, Partial, Seasonal…)\n\nMitigation Feature\n\n5.000\n\nA feature designed to prevent or reduce the impacts and risks\nof hazards caused by natural disasters (Flood Vents, Impact\nResistant Glass, Storm Shutters…)\n\nRenewable Energy Components\n\n6.000-6.003\n\nSolar, Wind Turbine… | Ownership (Leased, Owned…)\n\nFront Door Elevation\n\n8.005\n\nConverted Area\n\n8.012-8.013\n\nApproximate elevation from grade to the bottom of the front\ndoor (Ground Level, Up to 1 foot, 1-2 Ft… 10 or more feet)\n\nAreas within the structure that have been converted from\ntheir original use into living area.\n"}
diff --git a/chunks/json/5b12213b33a37c8c689e25e338e328b15c73fcdc29fb641a78b8d418ca8d50c1.json b/chunks/json/5b12213b33a37c8c689e25e338e328b15c73fcdc29fb641a78b8d418ca8d50c1.json
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index 0000000000000000000000000000000000000000..4f3702728b330cb9bf7c43d17674d9155a8102d5
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+++ b/chunks/json/5b12213b33a37c8c689e25e338e328b15c73fcdc29fb641a78b8d418ca8d50c1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":20489,"char_start":18883,"chunk_id":"chk_3e3cd9d21ac35a17","chunk_index":11,"chunk_sha256":"5b12213b33a37c8c689e25e338e328b15c73fcdc29fb641a78b8d418ca8d50c1","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6d5adf56d1237dd1","text_sha256":"5b12213b33a37c8c689e25e338e328b15c73fcdc29fb641a78b8d418ca8d50c1","token_estimate":402,"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":"$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$0\n\nNo\n\n11/15/2021\n\n01/28/2022\n\n110\n\nDetached\n\n20,037 Sq. Ft.\n\n$(12,075)\n\nSouth View\n\nNo Zoning\n\nArterial Street\n| Concrete\n\n$0\n\n$0\n\n$0\n\nEast Street\nEstates\n\nLegal\n\nLocal Road\n| Asphalt\n\nRolling\n\n$0\n\nFlat\n\n$0\n\nResidential\n\n$5,000\n\nBusy Roadway\n\n$20,000\n\nNeighborhood Name\n\nMagic Hill New Forest Pond\n\n$0\n\nZoning Compliance\n\nStreet Type | Surface\n\nTopography\n\nLegal\n\nLocal Road | Asphalt\n\nFlat\n\nSite Influence (Location)\n\nPark | Residential\n\nLegal\n\nLocal Road\n| Asphalt\n\nFlat\n\nPond |\nResidential\n\nView | Range\n\nDwelling(s)\n\nYear Built\n\nResidential | Full\n\nPond | Full\n\n$(10,000)\n\nResidential | Full\n\nResidential | Full\n\n2020\n\n2019\n\n$0\n\n2017\n\n$0\n\n2019\n\n$0\n\nConstruction Method\n\nManufactured | Site Built\n\nMulti\n\nHeat Pump | Electric\n\nManufactured\n| Site Built\n\nMulti\n\nHeat Pump\n| Electric\n\nCentralized\n\nCentralized\n\nManufactured\n| Site Built\n\nMulti\n\nHeat Pump\n| Electric\n\nCentralized\n\nManufactured\n| Site Built\n\nMulti\n\nHeat Pump\n| Electric\n\nCentralized\n\nManufactured Home Width\n\nHeating\n\nCooling\n\nUnit(s)\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\nFoundation\n\nCondition\n\nExterior Walls and Trim\n\nRoof\n\nInterior Quality and Condition\n\nQuality\n\nKitchen\n\n3\n\n2 | 0\n\n3\n\n2 | 0\n\n3\n\n2 | 0\n\n3\n\n2 | 0\n\n1,568 Sq. Ft.\n\n1,700 Sq. Ft.\n\n$(8,580)\n\n1,352 Sq. Ft.\n\n$14,040\n\n1,580 Sq. Ft.\n"}
diff --git a/chunks/json/5b22784e325816788a28737321b5d81900aa53bf30ad8a3e084f54cad3dd4d10.json b/chunks/json/5b22784e325816788a28737321b5d81900aa53bf30ad8a3e084f54cad3dd4d10.json
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index 0000000000000000000000000000000000000000..5acd396a13cfdfa44074f690b99b9d794f917ccf
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+{"chunk":{"char_end":1753,"char_start":0,"chunk_id":"chk_9491fc52e25dfdea","chunk_index":0,"chunk_sha256":"5b22784e325816788a28737321b5d81900aa53bf30ad8a3e084f54cad3dd4d10","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_617d207d94847c4c","text_sha256":"5b22784e325816788a28737321b5d81900aa53bf30ad8a3e084f54cad3dd4d10","token_estimate":531,"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":"---\nsource_url: \"https://www.fhfa.gov/policy/enterprise-affordable-housing-allocations\"\ndate_accessed: \"2026-01-27T17:47:56.047Z\"\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/5b31d76370f414212afa69b0407880094c3d97762482cd11a29e6928b1bd1db1.json b/chunks/json/5b31d76370f414212afa69b0407880094c3d97762482cd11a29e6928b1bd1db1.json
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+++ b/chunks/json/5b31d76370f414212afa69b0407880094c3d97762482cd11a29e6928b1bd1db1.json
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+{"chunk":{"char_end":12192,"char_start":11538,"chunk_id":"chk_03b643da35c4d866","chunk_index":18,"chunk_sha256":"5b31d76370f414212afa69b0407880094c3d97762482cd11a29e6928b1bd1db1","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"5b31d76370f414212afa69b0407880094c3d97762482cd11a29e6928b1bd1db1","token_estimate":551,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Assignment Information and Scope of Work Commentary ......................................................................................................................................... 46\n\nPage 5\n\n09 Certifications and Intended Use/User ....................................................................................................................................................................... 47\n\nOverview ................................................................................................................................................................................................................................... 47\n"}
diff --git a/chunks/json/5b320d336a009ca95377f65c660c39978d1c392893f16ea123e5be65f32bca55.json b/chunks/json/5b320d336a009ca95377f65c660c39978d1c392893f16ea123e5be65f32bca55.json
new file mode 100644
index 0000000000000000000000000000000000000000..501aa63defa2b728e0fd3dc8f74d76805709b9db
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+++ b/chunks/json/5b320d336a009ca95377f65c660c39978d1c392893f16ea123e5be65f32bca55.json
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+{"chunk":{"char_end":37376,"char_start":35714,"chunk_id":"chk_947d499d0ca26db7","chunk_index":22,"chunk_sha256":"5b320d336a009ca95377f65c660c39978d1c392893f16ea123e5be65f32bca55","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5b320d336a009ca95377f65c660c39978d1c392893f16ea123e5be65f32bca55","token_estimate":416,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":".PROPERTY\n..SALES_CONTRACT\n...SALES_CONCESSION_EXTENSION\n....SALES_CONCESSION_EXTENSION_SECTION\nExtension Section Organization Name\n…..SALES_CONCESSION_EXTENSION_SECTION_DATA\n\nT\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nT\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nT\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nT\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nT\n\nT\n\nCR\n\nCR\n\nCR\nCR\nCR\nCR\nT\nCR\nCR\n\nT\n\nT\n\nCR\n\nCR\n\nCR\nCR\nCR\nCR\nT\nCR\nCR\n\nT\n\nT\n\nCR\n\nCR\n\nCR\nCR\nCR\nCR\nT\nCR\nCR\n\nT\n\nT\n\nCR\nCR\nCR\nCR\nCR\nCR\nT\nCR\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\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nUAD Consolidated Schema Matrix\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 19 of 211\n\nDocument Version 1.4\n\nMISMO Data Point Name\n\n…...SALES_CONCESSION\nGSE Undefined Concession Amount Indicator\n\n.PROPERTY\n..PROPERTY_EXTENSION\n...PROPERTY_EXTENSION_SECTION\nExtension Section Organization Name\n….PROPERTY_EXTENSION_SECTION_DATA\n…..PROPERTY_TYPE\nGSE PUD Indicator\n\n.VALUATION_METHODS\nValuation Methods Additional Description**\n\n.VALUATION_METHODS\n..COST_ANALYSIS\nSite Estimated Value Amount\n\nSite Estimated Value Comment\n\nData Source Description\n\nCost Service Quality Rating Description\n\nNew Improvement Total Cost Amount\n\nNew Improvement Depreciated Cost Amount\n\nSite Other Improvements As Is Amount\n\nEstimated Remaining Economic Life Years Count\n\nValue Indicated By Cost Approach Amount\n\nCost Analysis Comment**\n\nCost Analysis Type**\n\n.VALUATION_METHODS\n..COST_ANALYSIS\n...COST_ANALYSIS_EXTENSION\n....COST_ANALYSIS_EXTENSION_SECTION\nExtension Section Organization Name\n.….COST_ANALYSIS_EXTENSION_SECTION_DATA\n.…..COST_APPROACH_DATA_SOURCE\nGSE Cost Data Source Effective Date Description\n"}
diff --git a/chunks/json/5b42e0bfa7ca31677deb5f12bc33a0ad1cd4b92ba36b15d738abfbbbbf7341ab.json b/chunks/json/5b42e0bfa7ca31677deb5f12bc33a0ad1cd4b92ba36b15d738abfbbbbf7341ab.json
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index 0000000000000000000000000000000000000000..9e1af3f4763afc8ec5f277b244e32937d08c9252
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+++ b/chunks/json/5b42e0bfa7ca31677deb5f12bc33a0ad1cd4b92ba36b15d738abfbbbbf7341ab.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":16436,"char_start":14830,"chunk_id":"chk_8da83cf2a1352921","chunk_index":9,"chunk_sha256":"5b42e0bfa7ca31677deb5f12bc33a0ad1cd4b92ba36b15d738abfbbbbf7341ab","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"5b42e0bfa7ca31677deb5f12bc33a0ad1cd4b92ba36b15d738abfbbbbf7341ab","token_estimate":402,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"Yes No\nHave there been any modifications, attachments, or additions that rely on or have altered the original structure for support?  \n\nCK\n\nY/N\n\nTXR-B\n\nModification, Attachment, or Addition\n\nTXC-B\n\nDescription of Modification, Attachment, or Addition\n\nH1\n\nHUD Data Plate\n\nTXR-B\nTXR-B\nTXR-B\n\nHUD Data Plate Attached\nDate of Manufacture\nSerial Number\n\nH1\n\nHUD Certification Label\n\nTXR-B\n\nLabel Present for All Sections\n\nH1\n\nManufactured Home Certification Program\n\nCertification\n\nIdentifier\n\nTCH\nTB\n\nH1\n\nInvoice Information\n\nTXR-B\nTXR-B\n\nPurchased from Retailer\nRetailer Name\n\nTXC-B\n\nCommentary on Why Invoice(s) Not Reasonable\n\nManufactured Home Commentary\n\nH1\nTXC\n\nH1\n\nManufactured Home Exhibits\n\nTXR-B\nTXR-B\nTXR-B\n\nHUD Wind Zone\nHUD Thermal Zone\nHUD Roof Load Zone\n\nTXR-B\n\nHUD Certification Number\n\nTXR-B\nTXR-B\nTXR-B\n\nRetailer’s Invoice Reviewed\nManufacturer’s Invoice Reviewed\nInvoice(s) Appear Reasonable\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\nTAB\n\nUnit Interior - [Outbuilding Type] - [Structure Identifier] - [Unit Identifier]\n\nArea Breakdown\n\nFinished Above Grade\nFinished Above Grade (Nonstandard)\nUnfinished Above Grade\nFinished Below Grade\nFinished Below Grade (Nonstandard)\nUnfinished Below Grade\n\nArea Data Source\nBelow Grade Finish Compared\nto Above\n\nADU\n\nLegally Rentable\nData Source\nTypical for Market\nIngress/Egress\nSeparate Postal Address\n\nLevel and Room Detail\n\nY/N\n\nYes No\n \n"}
diff --git a/chunks/json/5b4f5edd4ba0e0284cea5756612d53e3a8c5a25476ddaa163e6ed5f9cd2bf20b.json b/chunks/json/5b4f5edd4ba0e0284cea5756612d53e3a8c5a25476ddaa163e6ed5f9cd2bf20b.json
new file mode 100644
index 0000000000000000000000000000000000000000..1edbfdb20bdd1c306b59d2101e1cf5c15443becd
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+++ b/chunks/json/5b4f5edd4ba0e0284cea5756612d53e3a8c5a25476ddaa163e6ed5f9cd2bf20b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":282455,"char_start":280846,"chunk_id":"chk_9fab0b006ba430c5","chunk_index":166,"chunk_sha256":"5b4f5edd4ba0e0284cea5756612d53e3a8c5a25476ddaa163e6ed5f9cd2bf20b","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"5b4f5edd4ba0e0284cea5756612d53e3a8c5a25476ddaa163e6ed5f9cd2bf20b","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"9.010\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nHUD Data Plate\nAttached\n\nAlways required\n\nYes | No\n\n9.011\n\nDate of\nManufacture\n\nRequired if HUD Data\nPlate Attached is Yes\nor if available\n\nmm/dd/yyyy\n\nDefinition / Additional Guidance\n\nIndicates whether the manufactured home has a HUD data plate (also referred\nto as the Manufactured Home Data Plate or Compliance Certificate) is attached\nwithin the manufactured home. If the HUD Data Plate is not attached but is\navailable, select No and explain in Manufactured Home Commentary (9.026).\n\nReference published guidelines by the GSEs, government agencies, or other\nidentified secondary market participants for specific guidance.\n\nIf available, a photo of the HUD Data Plate or the verification source must be\nprovided. The photos display in Manufactured Home Exhibits, with the caption\n“HUD Data Plate”. An additional caption may be provided to further identify\nthe photo.\n\nThe date the manufactured home was built, as shown on the HUD data plate or\nother source.\nNotes:\n•\n•\n\nThe year must match Year Built in the Dwelling Exterior section (8.010).\nIf the Date of Manufacture exceeds 12 months from the Effective Date of\nAppraisal (26.011), Overall Condition Rating (15.005) cannot be C1.\n\n9.012\n\nSerial Number\n\nRequired if HUD Data\nPlate Attached is Yes\nor if available\n\n9.013\n\nHUD Wind Zone Required if HUD Data\nPlate Attached is Yes\nor if available\n\nFree-form\n\nThe serial number per section of the manufactured home, as shown on the\nHUD data plate or other source.\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n"}
diff --git a/chunks/json/5b54508b11c3ac27ad1c047baca0e328384a71b5a1af135e4a583ada21eec04c.json b/chunks/json/5b54508b11c3ac27ad1c047baca0e328384a71b5a1af135e4a583ada21eec04c.json
new file mode 100644
index 0000000000000000000000000000000000000000..96f6e276fc73d97f07b3bb6747a4eb44f97d3f1e
--- /dev/null
+++ b/chunks/json/5b54508b11c3ac27ad1c047baca0e328384a71b5a1af135e4a583ada21eec04c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3381,"char_start":1706,"chunk_id":"chk_4ffc7b4806a090f5","chunk_index":1,"chunk_sha256":"5b54508b11c3ac27ad1c047baca0e328384a71b5a1af135e4a583ada21eec04c","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_899384a2a788c2e9","text_sha256":"5b54508b11c3ac27ad1c047baca0e328384a71b5a1af135e4a583ada21eec04c","token_estimate":419,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-integration-impact-memo-april-15-2023.pdf"]},"text":"In order for lenders to fully automate and utilize the API more efficiently, the following should be supported:\n\n▪ The ability to send the DU casefile ID to the property data collection vendor.\n\n▪ The ability to identify when property data collection is being ordered.\n\n▪ The ability to receive and collect the Property Data ID from the vendor.\n\n▪ The ability to receive insight into the findings provided by the API to the vendor.\n\n▪ The ability to submit the Property Data ID using the field below from the DU specification to DU:\n\nUnique ID\n\n12.0033\n\nDU Specification\n\nData Point Name\n\nImplementation Notes\n\nDU:PropertyDataIdentifier This is a GUID generated by Fannie Mae’s Property Data API.\n\nFor example: 7E1946C5AEE02AD5E053E16CCF0A8392\n\n© 2023 Fannie Mae 3.1.23 1 of 2\n\nSpecial Feature Code (SFC) Updates\n\nThe DU message that lists applicable SFC will be updated with the changes below. These SFC update will also be reflected in t he\nSpecialFeatureCode attribute in the DU Codified Findings.\n\nHow will this affect my integrated system(s)?\n\nIntegrated systems that parse the SpecialFeatureCode attribute in the DU Codified Findings (XML file) will require updates to\nsupport the new SFC within the LOS and Loan Delivery systems.\n\nAction\n\nNew\n\nUpdated Description\n\nRetired\n\nSpecial Feature Code Description\n\n774\n\n801\n\n873\n\nValue Acceptance + Property Data\n\nValue Acceptance (Appraisal Waiver)\n\nAMI LLPA Waiver\n\nRelease Test Cases\n\nWill be posted to the DU section of Technology Integration Resources website on or about Mar. 17, 2023.\n\nRelease Support\n\nThe DU Version 11.1 April Update will be implemented in the DU integration environment on or around Mar. 15, 2023.\n"}
diff --git a/chunks/json/5b56cc623e89edd01a0c004b448660abce0ffc0a2f62f752cd1669f73741e236.json b/chunks/json/5b56cc623e89edd01a0c004b448660abce0ffc0a2f62f752cd1669f73741e236.json
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+++ b/chunks/json/5b56cc623e89edd01a0c004b448660abce0ffc0a2f62f752cd1669f73741e236.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":17198,"char_start":15338,"chunk_id":"chk_3267a63cf33424ea","chunk_index":7,"chunk_sha256":"5b56cc623e89edd01a0c004b448660abce0ffc0a2f62f752cd1669f73741e236","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a44943f7f81b46d4","text_sha256":"5b56cc623e89edd01a0c004b448660abce0ffc0a2f62f752cd1669f73741e236","token_estimate":465,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/special-feature-codes.pdf"]},"text":"Negotiated\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\n© 2025 Fannie Mae\n\n12.10.2025\n\n4 of 7\n\nCode\n\nWhole\nLoan/MBS\n\n508\n\nBoth\n\n588\n\nBoth\n\n630\n\nBoth\n\nDescription/Definition\n\neMortgage\nUsed to identify a mortgage as an eMortgage loan.\nDelivery is optional – code is auto-derived\n\nDetached Condominium Unit\nUsed to identify detached units in an attached or detached condominium project.\nDelivery is optional – code is auto-derived\nResale Restrictions Terminate at Foreclosure with LTV ratio Based on Market Value\nUsed to identify a mortgage secured by a property with resale restrictions that expire or\nterminate in the event of foreclosure or acceptance of a deed-in-lieu of foreclosure. This\nSFC is not applicable if the property is owned by a community land trust.\n\nDelivery\nType*\n\nBoth\n\nBoth\n\nBoth\n\n631\n\nBoth\n\n679\n\nBoth\n\n707\n\nBoth\n\n754\n\nBoth\n\n773\n\nBoth\n\n774\n\nBoth\n\n777\n\nBoth\n\n784\n\nBoth\n\n785\n\nBoth\n\n791\n\nBoth\n\n792\n\nBoth\n\nResale Restrictions Survive at Foreclosure\nUsed to identify a mortgage secured by a property with resale restrictions that remain in\nplace or survive in the event of foreclosure or acceptance of a deed-in-lieu of foreclosure.\nThis SFC is not applicable if the property is owned by a community land trust.\n\nHomePath Properties with an Eligible Exception\nUsed to identify a loan secured by a HomePath property if the multiple financed property\nand/or the interested party contribution exceptions apply to the transaction. This SFC should\nnot be used for a loan secured by a HomePath property that is subject solely to the resale\nrestriction exception.\n\nEmployment Contract\nUsed to identify mortgage loans that meet the Selling Guide requirements to document and\nverify income and employment using a legally enforceable, unconditional contract of\nemployment. The loan is delivered prior to the borrower starting employment under the\ncontract.\n"}
diff --git a/chunks/json/5b5cb652c37f1dc7415a3a94cd0179c096488a4dfe7a08b1ef55c89cbe74a214.json b/chunks/json/5b5cb652c37f1dc7415a3a94cd0179c096488a4dfe7a08b1ef55c89cbe74a214.json
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index 0000000000000000000000000000000000000000..def01c4c9ef6d4c3b6e8f793c6942a2ab10703c5
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+++ b/chunks/json/5b5cb652c37f1dc7415a3a94cd0179c096488a4dfe7a08b1ef55c89cbe74a214.json
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+{"chunk":{"char_end":32509,"char_start":29905,"chunk_id":"chk_c3306a3d84ec6e45","chunk_index":17,"chunk_sha256":"5b5cb652c37f1dc7415a3a94cd0179c096488a4dfe7a08b1ef55c89cbe74a214","date_utc":"2026-01-27T17:47:59+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b2ae32f02cf8673","text_sha256":"5b5cb652c37f1dc7415a3a94cd0179c096488a4dfe7a08b1ef55c89cbe74a214","token_estimate":771,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/National_Mortgage_Database_Program___FHFA_dj6a7.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\\/13736\",\"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/5b67263191f95442d0168f20428cb5451f474c91f5ae420c1c7fe57cbf9efa51.json b/chunks/json/5b67263191f95442d0168f20428cb5451f474c91f5ae420c1c7fe57cbf9efa51.json
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+{"chunk":{"char_end":36390,"char_start":34557,"chunk_id":"chk_e427c5f50d642139","chunk_index":20,"chunk_sha256":"5b67263191f95442d0168f20428cb5451f474c91f5ae420c1c7fe57cbf9efa51","date_utc":"2026-01-27T18:07:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_221a19b69e218256","text_sha256":"5b67263191f95442d0168f20428cb5451f474c91f5ae420c1c7fe57cbf9efa51","token_estimate":459,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/_.pdf/SF5A_Appraisal_v1.1.pdf"]},"text":"19. 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\n20. 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\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 19 of 19\nPage 19 of 19\n\nCertifications (continued)\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\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\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 to\ncertain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain\nto disclosure or distribution by me.\n"}
diff --git a/chunks/json/5b7695c3a7c39578d3ab1eae80a10881417522020ba7ff95ec01decc26a68361.json b/chunks/json/5b7695c3a7c39578d3ab1eae80a10881417522020ba7ff95ec01decc26a68361.json
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+++ b/chunks/json/5b7695c3a7c39578d3ab1eae80a10881417522020ba7ff95ec01decc26a68361.json
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+{"chunk":{"char_end":8755,"char_start":7371,"chunk_id":"chk_762a1c427a794393","chunk_index":4,"chunk_sha256":"5b7695c3a7c39578d3ab1eae80a10881417522020ba7ff95ec01decc26a68361","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ddef7627ae864b23","text_sha256":"5b7695c3a7c39578d3ab1eae80a10881417522020ba7ff95ec01decc26a68361","token_estimate":346,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-integration-impact-memo-nov-15-2025.pdf"]},"text":"home improvements have been completed. The\ncertification must be documented using the\nAppraisal Update and/or Completion Report (Form\n1004D) or one of the applicable alternatives\nspecified in the Selling Guide.\n\nThis loan casefile is eligible for a Uniform Residential\nAppraisal Report (Traditional Appraisal - Cooperative\nInterest). 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.\nThis loan casefile is eligible for a Uniform Residential\nAppraisal Report (Traditional Appraisal - Cooperative\nInterest). 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\nA Comparable Rent Schedule is required when the\nborrower needs rental income to qualify.\n\nIf rental income is used to qualify the borrower, a value\nacceptance offer must not be exercised and a traditional\nUniform Residential Appraisal Report with a Comparable\nRent Schedule is required. Otherwise, the lender may\nexercise the value acceptance offer.\n\nThe Completion Report is required to verify the home\nimprovements have been completed. This must be\ndocumented using the Completion Report or one of the\napplicable alternatives specified in the Selling Guide.\n\n© 2025 Fannie Mae 9.24.25\n\n3 of 3\n"}
diff --git a/chunks/json/5b771e767770752a1300ee56c492e743691c98e6c7272e0c51ec2f30322df7eb.json b/chunks/json/5b771e767770752a1300ee56c492e743691c98e6c7272e0c51ec2f30322df7eb.json
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+++ b/chunks/json/5b771e767770752a1300ee56c492e743691c98e6c7272e0c51ec2f30322df7eb.json
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+{"chunk":{"char_end":18732,"char_start":16990,"chunk_id":"chk_2a8320c5b24eadb3","chunk_index":9,"chunk_sha256":"5b771e767770752a1300ee56c492e743691c98e6c7272e0c51ec2f30322df7eb","date_utc":"2026-01-27T17:47:50+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_b1e83178ca9325f1","text_sha256":"5b771e767770752a1300ee56c492e743691c98e6c7272e0c51ec2f30322df7eb","token_estimate":529,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Language_Access___FHFA_58oybw8.md"]},"text":"[*Uniform Residential Loan Application (URLA) Round 7 Consumer Testing Briefing (July 2016) -*Conducted by Kleimann Communication Group](/sites/default/files/documents/Round-7-SanFran_7-29-16.pdf)*(8/4/2017)*\n\n[FHFA Extends Deadline to July 31 on Request for Input to Improve Access to Credit for Qualified Mortgage Borrowers with Limited English Proficiency](/news/news-release/fhfa-extends-deadline-to-july-31-on-request-for-input-to-improve-access-to-credit-for-qualified) *(6/29/2017)*\n\n[*Language Access for Limited English Proficiency Borrowers: Final Report* - Conducted by Kleimann Communication Group for Freddie Mac and Fannie Mae (April 2017)](/sites/default/files/2023-04/Borrower-Language-Access-Final-Report-June-2017.pdf) *(6/14/2017)*\n\n[FHFA Issues Request for Input to Improve Access to Credit for Qualified Mortgage Borrowers with Limited English Proficiency](/news/news-release/fhfa-issues-request-for-input-to-improve-access-to-credit-for-qualified-mortgage-borrowers-with) *(5/25/2017)*\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/5b79336e9f540a19b1dd5f92e0c2e8144be70c0e3c9529ac5ad68472dab54473.json b/chunks/json/5b79336e9f540a19b1dd5f92e0c2e8144be70c0e3c9529ac5ad68472dab54473.json
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+{"chunk":{"char_end":402636,"char_start":400455,"chunk_id":"chk_d8dd02f4e0099eb2","chunk_index":235,"chunk_sha256":"5b79336e9f540a19b1dd5f92e0c2e8144be70c0e3c9529ac5ad68472dab54473","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5b79336e9f540a19b1dd5f92e0c2e8144be70c0e3c9529ac5ad68472dab54473","token_estimate":546,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@PropertyNeighb\norhoodLocationType='Urban']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@PropertyNeighb\norhoodLocationType='Suburban']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@PropertyNeighb\norhoodLocationType='Rural']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_BuiltupRange\nType='Over75Percent']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_BuiltupRange\nType='25To75Percent']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_BuiltupRange\nType='Under25Percent']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_GrowthPaceTy\npe='Rapid']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_GrowthPaceTy\npe='Stable']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_GrowthPaceTy\npe='Slow']\n\n8\n\n8\n\n8\n\n14\n\n14\n\n14\n\n6\n\n6\n\n6\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nSpecifies the current trend of property\nvalues in the neighborhood.\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_PropertyValue\nTrendType='Increasing']\n\n10\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Neighborhood Section\n\nOne and only one of fields 1-53, 1-54,\n1-55 (values of Property Neighborhood\nLocation Type) should be indicated.\nOne and only one of fields 1-53, 1-54,\n1-55 (values of Property Neighborhood\nLocation Type) should be indicated.\nOne and only one of fields 1-53, 1-54,\n1-55 (values of Property Neighborhood\nLocation Type) should be indicated.\nOne and only one of fields 1-56, 1-57,\n1-58 (values of Neighborhood Builtup\nRange Type) should be indicated.\nOne and only one of fields 1-56, 1-57,\n1-58 (values of Neighborhood Builtup\nRange Type) should be indicated.\nOne and only one of fields 1-56, 1-57,\n1-58 (values of Neighborhood Builtup\nRange Type) should be indicated.\nOne and only one of fields 1-59, 1-60,\n1-61 (values of Neighborhood Growth\nPace Type) should be indicated.\nOne and only one of fields 1-59, 1-60,\n1-61 (values of Neighborhood Growth\nPace Type) should be indicated.\nOne and only one of fields 1-59, 1-60,\n1-61 (values of Neighborhood Growth\nPace Type) should be indicated.\nOne and only one of fields 1-62, 1-63,\n1-64 (values of Neighborhood Property\nValue Trend Type) must be indicated.\n"}
diff --git a/chunks/json/5b7b4dadb9ddab0ab576a4fbae64b3826a8cefb7c50dd1f27185ebc0390bd5cf.json b/chunks/json/5b7b4dadb9ddab0ab576a4fbae64b3826a8cefb7c50dd1f27185ebc0390bd5cf.json
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+++ b/chunks/json/5b7b4dadb9ddab0ab576a4fbae64b3826a8cefb7c50dd1f27185ebc0390bd5cf.json
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+{"chunk":{"char_end":118750,"char_start":117164,"chunk_id":"chk_0f9fc9380eb8caf0","chunk_index":116,"chunk_sha256":"5b7b4dadb9ddab0ab576a4fbae64b3826a8cefb7c50dd1f27185ebc0390bd5cf","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"5b7b4dadb9ddab0ab576a4fbae64b3826a8cefb7c50dd1f27185ebc0390bd5cf","token_estimate":402,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Actual Income table\n\n• Table sets in two parts; each is 3 columns x 22 picas\n\no “Rent” sets as TCH for first part\n\n▪ Column 1: 11 picas 9 points\n\n▪ Column 2: 5 picas 3 points\n\n▪ Content in table set as TB-I\n\n▪\n\nLast row Subtotal sets as TB-B, aligned right\n\n• Columns 1, 2: 5 picas 3 points\n\n▪ Set 1 line space to second part below\n\no “Other Real Property Rental Income” sets as TCH for second part\n\n▪ Column 1: 11 picas 9 points\n\n▪ Column 2: 5 picas 3 points\n\n▪ Content in table set as TB-I\n\n▪ Second to last row “Subtotal” sets as TB-B\n\n• Columns 1, 2: 5 picas 3 points\n\n▪\n\nLast row “Total” sets as TB_sub-H1-R in white type.\n\n• Columns 1, 2: 5 picas 3 points\n\nACTUAL INCOME TABLE\n\nAppendix E: Report Style Guide\n\nPage 65 of 90\n\nVersion 1.4\n\nOpinion of Market Income (Monthly) (H2-1)\n\nRight-hand side of page\n\n•\n\n“Opinion of Market Income (Monthly)” sets H2-1 x 22 picas\n\nOpinion of Market Income table\n\n• Table sets in two parts; each is 3 columns x 22 picas\n\no “Rent” sets as TCH for first part\n\n▪ Column 1: 11 picas 9 points\n\n▪ Column 2: 5 picas 3 points\n\n▪ Content in table sets as TB-I\n\n▪\n\nLast row Subtotal sets as TB-B\n\n• Columns 1, 2: 5 picas 3 points\n\n▪ Set 1 line space to second part below\n\no “Other Real Property Rental Income” sets as TCH for second part\n\n▪ Column 1: 11 picas 9 points\n\n▪ Column 2: 5 picas 3 points\n\n▪ Content in table sets as TB-I\n\n▪ Second to last row “Subtotal” sets as TB-B\n\n• Columns 1, 2: 5 picas 3 points\n\n▪\n\nLast row “Total” sets as TB_sub-H1-R\n\n• Columns 1, 2: 5 picas 3 points\n\nOPINION OF MARKET INCOME TABLE\n\nComparable Rental Properties (H1)\n"}
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diff --git a/chunks/json/5b94ca037d1adb6873424a7b7fb52aaf46f9c24bcf8bf7e4887eb5fc61e0bf84.json b/chunks/json/5b94ca037d1adb6873424a7b7fb52aaf46f9c24bcf8bf7e4887eb5fc61e0bf84.json
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+{"chunk":{"char_end":4856,"char_start":3226,"chunk_id":"chk_77d56a756e4ad6b7","chunk_index":2,"chunk_sha256":"5b94ca037d1adb6873424a7b7fb52aaf46f9c24bcf8bf7e4887eb5fc61e0bf84","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_698a10a0e5f6da7f","text_sha256":"5b94ca037d1adb6873424a7b7fb52aaf46f9c24bcf8bf7e4887eb5fc61e0bf84","token_estimate":400,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Hybrid_70H.pdf"]},"text":"Off-site Improvements—Type\nStreet 111\nAlley 114\n\nFEMA Map Date 121\n\n105\n 108\n 119\n\n112\n\n115\n\n122\n\n126\n\n125\n\n118\n\n113\n\n116\n\nPublic Private\n\nGeneral Description\n\nFoundation\n\nmaterials/condition Interior\n\nmaterials/condition\n\nExterior Description\nFoundation Walls 152\n 153\n 154\n\n143\n\n141\n\n131\n\n135\n\n133\n\n136\n\n128\n\n144\n 145\n 147\n\n140\n Full Basement Partial Basement Exterior Walls\n 142\n sq. ft. Roof Surface\n\nUnits One One with Accessory Unit Concrete Slab Crawl Space\n 129\n# of Stories 130\nType Det. Att. S-Det./End Unit Basement Area\n 132\n Existing Proposed Under Const. Basement Finish\n 134\nDesign (Style) 137\nYear Built e-8; 138\nEffective Age (Yrs) 139\nAttic\n Drop Stair\n 165\nFloor\n 167\n Finished\n Other 180\n 169\n 179\nAppliances Refrigerator Range/Oven Dishwasher Disposal Microwave Washer/Dryer Other (describe) 213\n 206\nFinished area above grade contains: 214\nAdditional features (special energy efficient items, etc.) 218\n\nOutside Entry/Exit Sump Pump Window Type 156\n 146\nEvidence of Infestation\n 148\n Dampness Settlement\n 150\nHeating FWA HWBB Radiant Amenities\n Other 175\nFuel 176\n 174\nCooling Central Air Conditioning\n Individual\n 178\n\nNone\n 164\n Stairs\n 166\n Scuttle\n 168\n Heated\n 170\n\nStorm Sash/Insulated 157\n 158\nScreens\n\n% Gutters & Downspouts 155\n\nBath(s) 217\n\nRooms 215\n\nBedrooms\n\n216\n\n210\n\n173\n\n211\n\n212\n\n207\n\n177\n\n171\n\n151\n\n208\n\n172\n\n209\n\nWoodstove(s) # 188 Driveway Surface 198\n 187\n Fireplace(s)# 182 Fence 190\n 181\n 189\n Porch 192\n 191\n 183\n Pool 186\n Other 194\n 185\n 193\n\nGarage\n 199\n Carport\n 201\n Att.\n 203\n\nPatio/Deck 184\n\nDet.\n204\n\n# of Cars 200\n# of Cars 202\n\nBuilt-in\n 205\n"}
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index 0000000000000000000000000000000000000000..8cff4b7d0e30b082dcf4e759960fad5cfdcc472e
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+++ b/chunks/json/5b9c073769e62190815e0bed4f5cb01799d5a1d76d81b0dfad25ee5edec5aa97.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":540682,"char_start":539042,"chunk_id":"chk_fb192cf820eca178","chunk_index":307,"chunk_sha256":"5b9c073769e62190815e0bed4f5cb01799d5a1d76d81b0dfad25ee5edec5aa97","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"5b9c073769e62190815e0bed4f5cb01799d5a1d76d81b0dfad25ee5edec5aa97","token_estimate":410,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Subject Property\n\nThe real estate property being purchased in the transaction described in the Closing\nDisclosure, and serving as collateral for the loan.\n\nTILA\n\nUAD\n\nUCD\n\nUCD Value\n\nI-Guide\n\nUCDP\n\nULAD\n\nTruth in Lending Act (Regulation Z)\n\nUniform Appraisal Dataset\n\nUniform Closing Dataset\n\nThe data included in the UCD XML document that is required to accurately and\ncompletely represent the provided data.\n\nAppendix E: UCD Implementation Guide\n\nUniform Collateral Data Portal\n\nUniform Loan Application Dataset\n\nAppendix E: UCD Implementation Guide\n\nPage 252 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nVI. Glossary\n\nTerm\n\nULDD\n\nUMDP\n\nUSDA\n\nXLink\n\nXPath\n\nDefinition\n\nUniform Loan Delivery Dataset\n\nUniform Mortgage Data Program\n\nUnited States Department of Agriculture\n\nXML Linking Language – W3C. An XML markup language that provides methods for\ncreating internal and external links within ML documents, and associating metadata with\nthose links.\n\nXML Path Language – W3C. A syntax for defining parts of an XML document. XPath uses\npath expressions to navigate XML documents.\n\nAppendix E: UCD Implementation Guide\n\nPage 253 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nVIII. Uniform Closing Dataset (UCD) Specification Resources\n\nVIII. UNIFORM CLOSING DATASET (UCD) SPECIFICAT ION RESOURCES\n\nThe following documents are available on the UMDP pages at each GSE’s Web sites:\n\n•\n\n•\n\nFannie Mae: https://www.fanniemae.com/singlefamily/uniform-closing-dataset\n\nFreddie Mac: http://www.freddiemac.com/singlefamily/sell/ucd.html\n\nArtifact\n\nTitle\n\nAppendix A\n\nClosing Disclosure Mapping to the MISMO v3.3.0.0 Reference Model (.pdf version)\n"}
diff --git a/chunks/json/5ba41c9f3d7d081fe57e6843bc4003da68aea05f030f1fa47b90a991f8f44cbc.json b/chunks/json/5ba41c9f3d7d081fe57e6843bc4003da68aea05f030f1fa47b90a991f8f44cbc.json
new file mode 100644
index 0000000000000000000000000000000000000000..9bd26a1cae988fbb772909523b223f477f9fb808
--- /dev/null
+++ b/chunks/json/5ba41c9f3d7d081fe57e6843bc4003da68aea05f030f1fa47b90a991f8f44cbc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":307898,"char_start":306108,"chunk_id":"chk_cd9e45d59cf4f63f","chunk_index":176,"chunk_sha256":"5ba41c9f3d7d081fe57e6843bc4003da68aea05f030f1fa47b90a991f8f44cbc","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"5ba41c9f3d7d081fe57e6843bc4003da68aea05f030f1fa47b90a991f8f44cbc","token_estimate":448,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"23.2.3\n789 Local Lane\nSometown, ST 12345\n\n23.2.4\n987 Suburb Ct.\nSomeplace, ST 12340\n\n23.3.2 22222\n\n23.3.3\n\n23.4.2\n\n23.4.3\n\n23.3.4\n\n23.4.4\n\n23.5.2 Linda Jones\n\n23.5.3 Samuel Green\n\n23.5.4 Joseph Cain\n\n23.1 Name\nPARTY/LEGAL_ENTITY/LEGAL_ENTI\nTY_DETAIL/FullName\n\n23.2 Address\nAddressLineText,\nAddressUnitIdentifier\nCityName, StateCode PostalCode\n\n23.3 NMLS ID\nLicenseIdentifier\n\n23.4 License ID\nLicenseIdentifier\n\n23.5 Contact\nPARTY/INDIVIDUAL/NAME/\nFirstName LastName\n\nUCD v2.0 Implementation Guide\n\n- 142 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 117. XML File Conditional Mortgage Broker and Real Estate Agent Data as Rendered on the CD.\n\nContact Information\n\n23.0\n\nMortgage Broker 23.0.2\nPartyRoleType =\n“MortgageBroker”\n\nReal Estate Broker (B) 23.0.3\nPartyRoleType =\n“RealEstateAgent”\nRealEstateAgentType =\n“Selling”\n\nReal Estate Broker (B) 23.0.4\nPartyRoleType =\n“RealEstateAgent”\nRealEstateAgentType =\n“Listing”\n\n23.6.2 889977\n\n23.6.3\n\n23.7.2\n\n23.7.3\n\n23.8.2 ljones@\nbetabroker.com\n\n23.8.3 sam@\nomegare.biz\n\n23.6.4\n\n23.7.4\n\n23.8.4 joe@\nalphare.biz\n\n23.9.2 888-456-7890\n\n23.9.3 123-555-1717\n\n23.9.4 321-555-7171\n\n23.6 Contact NMLS ID\nLicenseIdentifier\n\n23.7 Contact License ID\nLicenseIdentifier\n\n23.8 Email\nContactPointEmailValue\n\n23.9 Phone\nContactPointTelephoneValue\n\na. Mortgage Broker Data – If applicable\n\nThe data point requirements for the Mortgage Broker are identical to those for the Note Pay To. If the Mortgage Broker\n\nhas an NMLS ID, the data point LicenseIdentifier with the NMLS ID 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"}
diff --git a/chunks/json/5ba574fa8e0d28311f575dcf52c931eea8ca588cb60b78ba89834da6fcd8356c.json b/chunks/json/5ba574fa8e0d28311f575dcf52c931eea8ca588cb60b78ba89834da6fcd8356c.json
new file mode 100644
index 0000000000000000000000000000000000000000..1187f77f8cc6799146df5916a069353a0c5f352c
--- /dev/null
+++ b/chunks/json/5ba574fa8e0d28311f575dcf52c931eea8ca588cb60b78ba89834da6fcd8356c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":23235,"char_start":21181,"chunk_id":"chk_6e67e1ba186fccce","chunk_index":16,"chunk_sha256":"5ba574fa8e0d28311f575dcf52c931eea8ca588cb60b78ba89834da6fcd8356c","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6a5de7e7b0279ba0","text_sha256":"5ba574fa8e0d28311f575dcf52c931eea8ca588cb60b78ba89834da6fcd8356c","token_estimate":514,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-documentation.pdf"]},"text":"FHFA applied suppression of the Duty-to-Serve rural indicator in Version 2.0 of the PUF to ensure no\nsuppressed tract could be reidentified. Specifically, FHFA suppressed the rural indicator for records\nwhere the census tract number was suppressed.\n\n4g. Rounding\n\nSome property characteristics in the UAD appraisal records were originally continuous data fields\nrepresenting dollar values. For the UAD Appraisal-Level PUF, where appropriate, FHFA rounded the\ndata field to the midpoint of each $10,000 buckets. Examples included appraised value\n(appraised_value) and contract value (contract_price).\n\n4h. Binning\n\nSome property characteristics in the UAD appraisal records were originally continuous data fields with\nprecise values. For the UAD Appraisal-Level PUF, where appropriate, FHFA binned continuous data\nfields into categorical data fields with value range groups. For example, FHFA binned the lot size\ncontinuous data field into a categorical data field (lot_size) with five categories representing value ranges.\n\n4i. Recoding\n\nSome property characteristics in the UAD appraisal records were originally categorical data fields with\nnumerous categories. For the UAD Appraisal-Level PUF, where appropriate, FHFA combined some\ncategories to reduce the overall number of categories. For example, FHFA reduced the property\ncondition data field (condition) from six to five categories.\n\n4j. Bottom Coding and Top Coding\n\n6 https://www.huduser.gov/portal/portal/sites/default/files/pdf/PDR-Privacy-Rule-of-Eleven.pdf\n\nFederal Housing Finance Agency\n\n6\n\nUAD PUF Version 2.1 Data Documentation\n\nSome property characteristics in the UAD appraisal records were originally continuous data fields with\nespecially low or high values. For the UAD Appraisal-Level PUF, where appropriate, FHFA capped\nthese values at or near the 1st, 95th, or 99th percentile, often in combination with rounding, binning, or\nrecoding. For example, the contract value data field (contract_price) was top coded at $1.7 million for\nhigh-cost areas and at $720,00 for other areas.7\n"}
diff --git a/chunks/json/5ba87b0a97103498461192bce475264452ca8568924e6a1f05ac10fc77284200.json b/chunks/json/5ba87b0a97103498461192bce475264452ca8568924e6a1f05ac10fc77284200.json
new file mode 100644
index 0000000000000000000000000000000000000000..54691462dbd0517a0971bf59382ea9917b441b06
--- /dev/null
+++ b/chunks/json/5ba87b0a97103498461192bce475264452ca8568924e6a1f05ac10fc77284200.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1744,"char_start":0,"chunk_id":"chk_8c4789cbfe97e762","chunk_index":0,"chunk_sha256":"5ba87b0a97103498461192bce475264452ca8568924e6a1f05ac10fc77284200","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e6198def01e57e81","text_sha256":"5ba87b0a97103498461192bce475264452ca8568924e6a1f05ac10fc77284200","token_estimate":533,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Mortgage_Loan_and_Natural_Disaster_Dashboard_Instr_oi7g4.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/faqs/mortgage-loan-and-natural-disaster\"\ndate_accessed: \"2026-01-27T18:10:56.418Z\"\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/5baaf59d2e810cac96fc9999fe09954cb0b7ec52071a983d7603b5f27a89e4c0.json b/chunks/json/5baaf59d2e810cac96fc9999fe09954cb0b7ec52071a983d7603b5f27a89e4c0.json
new file mode 100644
index 0000000000000000000000000000000000000000..f83c657bc2693e79fe2b5bbf000ab5bbb9816ad7
--- /dev/null
+++ b/chunks/json/5baaf59d2e810cac96fc9999fe09954cb0b7ec52071a983d7603b5f27a89e4c0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":2716,"char_start":1625,"chunk_id":"chk_143e970eb07ab110","chunk_index":1,"chunk_sha256":"5baaf59d2e810cac96fc9999fe09954cb0b7ec52071a983d7603b5f27a89e4c0","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_9eeeb5eef443fde1","text_sha256":"5baaf59d2e810cac96fc9999fe09954cb0b7ec52071a983d7603b5f27a89e4c0","token_estimate":272,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/wire-instruction-reference-identifier-guide-tsps.pdf"]},"text":"Pool Number Required\n\nYou will need at least one Pool Number to test the Wire Instruction Reference Identifier (Wire Nickname).\n\nOption 1:\n\n•\n•\n\nInclude a mock pool number in the ULDD Phase 5 XML import file\nLeave the pool number blank on the import window\n\n© 2025 Fannie Mae 5.14.25 Page 1 of 3\n\nOption 2:\n\n• Do not include a mock pool number in the ULDD Phase 5 XML import file\n• Add the pool number on the import window\n\n© 2025 Fannie Mae 5.14.25 Page 2 of 3\n\nImporting a Wire Instruction Reference Identifier\n\nUse any value for Wire Instruction Reference Identifier in the ULDD Phase 5 XML import file:\n\nOpen the Pool in the Loan Delivery User Interface (UI) and verify the Wire Instruction Reference Identifier (Wire Nickname) has\nbeen imported on the Loan Details page:\n\nTSPs will receive Fatal Edit 2022 in the test environment due to TSPs not being able to set up valid Wire Instructions. Lenders can\ntest using their valid Wire Instructions and will not get this edit.\n\nN O T E : Any Pool related edits can be ignored for Mock Pool Numbers.\n\n© 2025 Fannie Mae 5.14.25 Page 3 of 3\n"}
diff --git a/chunks/json/5bd159e9fb4d4406bbf3d82b6260da18d009501f3129cd626635dc87544e9680.json b/chunks/json/5bd159e9fb4d4406bbf3d82b6260da18d009501f3129cd626635dc87544e9680.json
new file mode 100644
index 0000000000000000000000000000000000000000..2375630a62865329332d22b6ca4d7395c4f58e16
--- /dev/null
+++ b/chunks/json/5bd159e9fb4d4406bbf3d82b6260da18d009501f3129cd626635dc87544e9680.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":681280,"char_start":679663,"chunk_id":"chk_1ba25c7243fb8f33","chunk_index":403,"chunk_sha256":"5bd159e9fb4d4406bbf3d82b6260da18d009501f3129cd626635dc87544e9680","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5bd159e9fb4d4406bbf3d82b6260da18d009501f3129cd626635dc87544e9680","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field should be populated if field 6-\n27 (Supervisor Name) is populated.\n\nThis field should be populated if field 6-\n27 (Supervisor Name) is populated.\n\nThis field should be populated if field 6-\n27 (Supervisor Name) is populated.\n\nThis field should be populated if field 6-\n27 (Supervisor Name) is populated.\n\nThis field should be populated if field 6-\n27 (Supervisor Name) is populated.\n\nIf field 6-27 (Supervisor Name) is\npopulated or field 6-15 is populated\nwith 'trainee', then one and only one of\nfields 6-34, 6-35 (Appraiser License\nIdentifier) must be populated.\n\nIf field 6-27 (Supervisor Name) is\npopulated or field 6-15 is populated\nwith 'trainee', then one and only one of\nfields 6-34, 6-35 (Appraiser License\nIdentifier) must be populated.\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\nThis field should be populated if field 6-\n27 (Supervisor Name) is populated.\n\nT\n\nT\n\nT\n\nUAD Requirement – Refer to Appendix D Appraiser Certification Section\n\n531\n\n6\n\n37\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\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/SUPERVISOR/APPRAISER_LICENSE/\n@_ExpirationDate\n\n10\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nThis field should be populated if field 6-\n27 (Supervisor Name) is populated.\n\nCR\n\nCR\n\nCR\n\n532\n\n6\n\n38\n\nAPPRAISER\nCERTIFICATION\n\nDid not inspect subject property\n\nAppraisal\nInspection Type\n\nSpecifies the extent of the property\ninspection.\n"}
diff --git a/chunks/json/5bd2ee483e3d97620db5c1ef9f51de115ccd5d305c38f8e45e3a03a9dc8e0a96.json b/chunks/json/5bd2ee483e3d97620db5c1ef9f51de115ccd5d305c38f8e45e3a03a9dc8e0a96.json
new file mode 100644
index 0000000000000000000000000000000000000000..38183a753986d5e040e8ef4b04a6ebc0b7c0075d
--- /dev/null
+++ b/chunks/json/5bd2ee483e3d97620db5c1ef9f51de115ccd5d305c38f8e45e3a03a9dc8e0a96.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1053727,"char_start":1052062,"chunk_id":"chk_c48640e1256dfb72","chunk_index":627,"chunk_sha256":"5bd2ee483e3d97620db5c1ef9f51de115ccd5d305c38f8e45e3a03a9dc8e0a96","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5bd2ee483e3d97620db5c1ef9f51de115ccd5d305c38f8e45e3a03a9dc8e0a96","token_estimate":417,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/SITE[@_ZoningComplianceTyp\ne='Legal']\n\n13\n\nEnumerated\n\nSite Zoning\nCompliance Type\n\nIndicates the level of compliance of the\nsubject Site to zoning regulations.\n\n/VALUATION_RESPONSE/PROPERTY/SITE[@_ZoningComplianceTyp\ne='Nonconforming']\n\n13\n\nEnumerated\n\nSite Zoning\nCompliance Type\n\nIndicates the level of compliance of the\nsubject Site to zoning regulations.\n\n/VALUATION_RESPONSE/PROPERTY/SITE[@_ZoningComplianceTyp\ne='NoZoning']\n\n13\n\nEnumerated\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[@_ZoningComplianceTyp\ne='Illegal']\n\n13\n\nEnumerated\n\nZoning Compliance\nIllegal (describe)\n\nIs the highest and best use of\nsubject as improved (or as\nproposed per plans and\nspecifications) the present use?\nYes\nIs the highest and best use of\nsubject as improved (or as\nproposed per plans and\nspecifications) the present use?\nNo\nIs the highest and best use of\nsubject as improved (or as\nproposed per plans and\nspecifications) the present use? If\nNo, describe\n\nUtilities\nElectricity\nPublic\n\nUtilities\nElectricity\nOther\n\n1\n\n1\n\nBoolean\n\nBoolean\n\nHighest Best Use\nIndicator\n\nIndicates that the present use is the\nhighest and best of the site as improved.\n\n/VALUATION_RESPONSE/PROPERTY/SITE[@HighestBestUseIndicator\n='Y']\n\nHighest Best Use\nIndicator\n\nIndicates that the present use is the\nhighest and best of the site as improved.\n\n/VALUATION_RESPONSE/PROPERTY/SITE[@HighestBestUseIndicator\n='N']\n\nHighest Best Use\nDescription\n\nSpecifies a use, other than the present\nuse, that would constitute a higher and\nbest use of the site.\n"}
diff --git a/chunks/json/5be2cd36ebb153e1ebd5c476cf9404edea378f900ded38f9ef2697023f88d1ee.json b/chunks/json/5be2cd36ebb153e1ebd5c476cf9404edea378f900ded38f9ef2697023f88d1ee.json
new file mode 100644
index 0000000000000000000000000000000000000000..feac0c6a1ca1a40c5827c2dca11b886619867dbd
--- /dev/null
+++ b/chunks/json/5be2cd36ebb153e1ebd5c476cf9404edea378f900ded38f9ef2697023f88d1ee.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":18720,"char_start":15385,"chunk_id":"chk_3228bf50248b0d5c","chunk_index":6,"chunk_sha256":"5be2cd36ebb153e1ebd5c476cf9404edea378f900ded38f9ef2697023f88d1ee","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_751549225b5f2639","text_sha256":"5be2cd36ebb153e1ebd5c476cf9404edea378f900ded38f9ef2697023f88d1ee","token_estimate":1033,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Sitemap___FHFA_bmxe9.md"]},"text":"Sign 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\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/29501\",\"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/5be5e234dfe3f826da83c84519d03aeb1400fa288107f471b41f67eff17b5fd6.json b/chunks/json/5be5e234dfe3f826da83c84519d03aeb1400fa288107f471b41f67eff17b5fd6.json
new file mode 100644
index 0000000000000000000000000000000000000000..ca0c6a50ca1a5ac19f97ae68137efe356456166d
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+++ b/chunks/json/5be5e234dfe3f826da83c84519d03aeb1400fa288107f471b41f67eff17b5fd6.json
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+{"chunk":{"char_end":2136,"char_start":0,"chunk_id":"chk_c003e7f4dd1865cb","chunk_index":0,"chunk_sha256":"5be5e234dfe3f826da83c84519d03aeb1400fa288107f471b41f67eff17b5fd6","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_409ccae3fef5e07e","text_sha256":"5be5e234dfe3f826da83c84519d03aeb1400fa288107f471b41f67eff17b5fd6","token_estimate":534,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-integration-impact-memo-nov-18-2024.pdf"]},"text":"ULDD Integration Impact Memo\n\nUniform Loan Delivery Dataset (ULDD) Phase 5 Adoption Process\n\nImplementation\n\nFannie Mae has updated the Uniform Loan Delivery Dataset (ULDD) Phase 5 specification to include implementation and mandate\ndates for alignment of ULDD property data points with Uniform Appraisal Dataset (UAD) redesign specification (3.6) and the\nbusiness-critical enhancements. Phase 5 of the ULDD updates has been given a July 28, 2025, mandate.\n\nNote the date definitions below:\n\n▪\n\nEffective dates (test and production environment) are when an update is available in that environment.\n\n▪ Mandate dates are when an update is required based on the conditionality for that data point.\n\nReview the ULDD Phase 5 Specification Release Notesn to learn more about implementation and mandate dates for various data\npoint changes.\n\nPartner Responsibilities\n\nPartners are responsible for reviewing the updated specification document, timeline, and required changes to determine any\nrequired system changes necessary to support the new ULDD Phase 5 updates.\n\nThe following documentation is available for review:\n\n▪ ULDD Phase 5 Extension Schema\n\n▪ ULDD FAQs\n\n▪ ULDD Scenarios and Test Cases\n\n▪ ULDD Release Notes Summary\n\n▪ ULDD Phase 5 Implementation Considerations\n\n▪\n\nLoan Delivery FAQs\n\nAdoption Process\n\nThe following process will be managed to complete adoption of the new ULDD Phase 5 changes:\n\n1.\n\n2.\n\n3.\n4.\n\n5.\n\n(Required) Partners will review the provided documentation to determine internal system changes to follow the ULDD\nPhase 5 changes.\n(Required) Once changes are completed on the partner’s technology, internal testing should be completed using the\nupdated Fannie Mae ULDD Scenarios and Test Cases.\n(Recommended) Test cases should be sent to the Fannie Mae ULDD Integration Team for review.\n(Recommended) The ULDD Integration Team will review the provided files and will work with partners to clear any\ndiscrepancies or fatal errors.\n(Optional) Once all errors have been cleared, the partner will complete a *Solution Review demonstration, presenting the\ninternal process of generating the ULDD file on their systems.\n"}
diff --git a/chunks/json/5bf01d758f074b7215f7fff672b60aee4aca114658aaef068cb28d6832a42266.json b/chunks/json/5bf01d758f074b7215f7fff672b60aee4aca114658aaef068cb28d6832a42266.json
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+{"chunk":{"char_end":50547,"char_start":48839,"chunk_id":"chk_576653d4f2771889","chunk_index":29,"chunk_sha256":"5bf01d758f074b7215f7fff672b60aee4aca114658aaef068cb28d6832a42266","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"5bf01d758f074b7215f7fff672b60aee4aca114658aaef068cb28d6832a42266","token_estimate":427,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"Units Excluding ADUs\n\nlivingUnitExcludingAd\nuCount\n\nThe number of separate living units in the subject\nproperty, excluding any accessory dwelling units.\n\nValue R&W\n\nfreValueRepAndWarr\nantRelief\n\nValue Rep and Warrant\nRelief\n\nfnmValueRepAndWar\nrantRelief\n\nFreddie Mac collateral representation and warranty\nrelief eligibility corresponds to an appraisal with a\nrisk score of 2.5 or lower.\n\nFannie Mae indicator whether the submitted\ndocument is eligible for representation and warranty\nrelief.\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nFRE\n\nFNM\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nPDF / JSON\n\nX\n\nX\n\nPDF / JSON\n\nX\n\nX\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\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\nZIP Code\n\npostalCode\n\n--\n\n--\n\n--\n\n--\n\n--\n\n--\n\nadditionalAttributeKe\nyValues\n\nattachmentType\n\ndataPointName\n\nrelatedFieldName\n\nreportPath\n\nuniqueId\n\n*Fannie Mae (FNM); Freddie Mac (FRE)\n\nDefinition / Description\n\nAppears on…\n[FNM, FRE, Both] *\n\nURAR\n\nThe postal code (ZIP Code in the US) for the address.\nZIP Code may be either 5 or 9 digits.\n\nThis is TBD (for future expansion).\n\nA value from a MISMO-prescribed list that specifies\nthe type of physical attachment, if any, between the\ndwelling and adjacent dwellings.\n\nThe XML element name of the associated primary\ndata element.\n\nThe name of the appraisal form field that is related\nto a given rule. May contain 0, 1, or more related\nelement names and their values to assist the reader\nin fully understanding the finding.\n"}
diff --git a/chunks/json/5c05ca52c5073149dd0fff5e52a4eeccbd00513eb07f9ffefda47b8e7fe965ea.json b/chunks/json/5c05ca52c5073149dd0fff5e52a4eeccbd00513eb07f9ffefda47b8e7fe965ea.json
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index 0000000000000000000000000000000000000000..256436d67a493a976360043dd51e90fdc1dec51c
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+++ b/chunks/json/5c05ca52c5073149dd0fff5e52a4eeccbd00513eb07f9ffefda47b8e7fe965ea.json
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+{"chunk":{"char_end":756258,"char_start":754636,"chunk_id":"chk_d29a76ea22e6b71e","chunk_index":448,"chunk_sha256":"5c05ca52c5073149dd0fff5e52a4eeccbd00513eb07f9ffefda47b8e7fe965ea","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5c05ca52c5073149dd0fff5e52a4eeccbd00513eb07f9ffefda47b8e7fe965ea","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"If field 1-112 (Site Utility Non Public\nIndicator) is indicated, this field is required.\nIf no utilities are present 'None' must be\npopulated.\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\nIf a street exists, at least one of fields 1-115,\n1-116 (values of Property Off Site\nImprovement Ownership Type) should be\nindicated.\n\nIf a street exists, at least one of fields 1-115,\n1-116 (values of Property Off Site\nImprovement Ownership Type) should be\nindicated.\n\nUAD Instruction - Refer to Appendix D Site Section\nThis field should indicate the alley type. The value 'None' should be indicated if none\nis present.\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\nIf an Alley exists, at least one of fields 1-\n118, 1-119 (values of Property Off Site\nImprovement Ownership Typ)e should be\nindicated.\n\nIf an Alley exists, at least one of fields 1-\n118, 1-119 (values of Property Off Site\nImprovement Ownership Typ)e should be\nindicated.\n\nOne and only one of fields 1-120, 1-121\n(values of GSE Special Flood Hazard Area\nIndicator) should be indicated.\n"}
diff --git a/chunks/json/5c08241c3286abfc25fb7eee3c7c88ece78c45281ad03b517e55b94e63d8879b.json b/chunks/json/5c08241c3286abfc25fb7eee3c7c88ece78c45281ad03b517e55b94e63d8879b.json
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+++ b/chunks/json/5c08241c3286abfc25fb7eee3c7c88ece78c45281ad03b517e55b94e63d8879b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7327,"char_start":5665,"chunk_id":"chk_365dc1b239715123","chunk_index":7,"chunk_sha256":"5c08241c3286abfc25fb7eee3c7c88ece78c45281ad03b517e55b94e63d8879b","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6a5de7e7b0279ba0","text_sha256":"5c08241c3286abfc25fb7eee3c7c88ece78c45281ad03b517e55b94e63d8879b","token_estimate":416,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-documentation.pdf"]},"text":"This document is designed to work in tandem with the UAD Appraisal-Level PUF Data Dictionary. The\nData Dictionary contains the full list of data fields, their allowable values, additional information about\ndisclosure avoidance, and helpful notes for users.\n\n2. About the UAD\n\nThe UAD is a standardized industry dataset for appraisal information that the Enterprises receive\nelectronically through the Uniform Collateral Data Portal® (UCDP®). The Enterprises, at the direction of\nFHFA, developed the first UAD in 2010 using the Mortgage Industry Standards Maintenance\nOrganization (MISMO®) Reference Model 2.6. MISMO models provide consistent data standards for\nmortgage loans acquired by the Enterprises.1\n\nA UAD appraisal record includes information collected by appraisers using the Uniform Residential\nAppraisal Report (URAR). The current version of the URAR for one-unit single-family homes is Fannie\n\n1 This information is sourced from the Enterprises websites describing the UAD:\nhttps://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset and\nhttps://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad.\n\nFederal Housing Finance Agency\n\n1\n\nUAD PUF Version 2.1 Data Documentation\n\nMae Form 1004 and Freddie Mac Form 70.2,3 Other federal agencies, including the FHA, also use the\nURAR.\n\nNot all mortgage loans acquired by the Enterprises will have a UAD appraisal record. For instance, both\nEnterprises waive traditional appraisals in certain instances where they deem automated appraisal\nmethods as adequate. Thus, UAD appraisal records include only mortgage loans requiring traditional\nappraisals.\n"}
diff --git a/chunks/json/5c0be22c9a2d84ce6a66826b742dbaea3a6f5d90e2820b0f0bb4cd2ba569f1aa.json b/chunks/json/5c0be22c9a2d84ce6a66826b742dbaea3a6f5d90e2820b0f0bb4cd2ba569f1aa.json
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index 0000000000000000000000000000000000000000..25b016621433c1391ca8edd1985e4a7c75539cd6
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+{"chunk":{"char_end":398814,"char_start":0,"chunk_id":"chk_ce1713e8d43260e5","chunk_index":0,"chunk_sha256":"5c0be22c9a2d84ce6a66826b742dbaea3a6f5d90e2820b0f0bb4cd2ba569f1aa","date_utc":"2026-01-27T18:13:19+00:00","doc_type":"text","paths":{"json":"","txt":null},"source_id":"src_1408c4298d062c3f","text_sha256":"5c0be22c9a2d84ce6a66826b742dbaea3a6f5d90e2820b0f0bb4cd2ba569f1aa","token_estimate":1230,"warnings":["source_path=Public_Use_Database___FHFA/links/2024_enterprise_mf_ctf/2024_Enterprise_MF_CTF/fnma_mf2024c_loans.txt","exceeds_max_chunk_chars_truncated"]},"text":"1 10000001 06 41740 073 015706 51.96 34307 111734 0.3070 119500 27735000 7 1 1 1 53.80 1 60 5 5.830 27735000 51565000 57 1 1 9 9 60 1 0 0 0 0 1 0 0\n1 10000002 36 10580 093 033500 26.48 97679 109385 0.8930 117800 645000 7 1 1 1 70.40 1 120 1 5.700 6905000 925000 117 1 1 9 9 0 1 0 0 0 0 0 0 0\n1 10000003 28 99999 087 000600 81.47 20208 75009 0.2694 79600 2415000 1 5 1 1 80.00 1 60 3 6.140 2415000 3015000 57 1 9 9 9 100 1 1 0 0 1 1 0 0\n1 10000004 18 23060 003 011608 26.14 122100 83564 1.4612 88000 1995000 9 1 1 2 66.70 1 65 3 7.780 1995000 20355000 62 1 9 9 9 0 1 0 0 0 0 0 0 0\n1 10000005 13 99999 137 000604 61.39 46755 74176 0.6303 78800 4195000 1 1 1 1 78.00 1 84 2 6.190 4195000 5375000 81 1 1 9 9 0 1 1 0 0 0 0 0 0\n1 10000006 51 40060 087 200144 57.20 126563 104391 1.2124 110000 10865000 9 1 1 2 71.50 1 87 5 8.010 10865000 89905000 84 1 1 9 9 0 1 0 0 0 0 0 0 0\n1 10000007 48 19100 113 008200 45.91 99875 99957 0.9992 107300 25705000 2 1 1 1 64.00 1 84 5 5.480 210705000 41705000 81 1 1 9 9 50 1 0 0 0 0 0 0 0\n1 10000008 13 12060 121 010604 97.87 44107 98569 0.4475 106100 18005000 7 1 1 1 61.00 2 60 5 6.190 18005000 29505000 57 1 1 9 9 0 1 0 0 0 0 1 0 0\n1 10000009 13 12060 121 005504 87.37 51420 98569 0.5217 106100 54725000 7 1 1 1 60.50 1 60 5 5.260 54725000 90405000 57 1 1 9 9 15 1 0 0 0 0 1 0 0\n1 10000010 18 34620 035 002000 19.47 47386 68452 0.6923 73400 7985000 1 1 1 1 74.80 2 84 4 5.970 10495000 10665000 81 1 1 9 9 0 1 0 0 0 0 1 0 0\n1 10000011 17 16980 031 063301 27.46 133036 106055 1.2544 109800 11575000 7 1 1 1 55.40 1 60 4 5.590 11575000 20905000 57 1 1 9 9 0 1 0 0 0 0 0 0 0\n1 10000012 26 19820 125 193100 22.86 127232 93779 1.3567 97300 20995000 1 3 1 1 85.00 1 204 4 5.050 20995000 24705000 180 1 9 9 9 100 1 0 0 0 0 0 0 0\n1 10000013 05 30780 119 004220 76.46 75344 81609 0.9232 86400 20975000 7 1 1 1 74.10 1 120 5 5.500 20975000 28305000 117 1 1 9 9 0 1 0 0 0 0 0 0 0\n1 10000014 34 35620 017 012300 61.78 113397 113844 0.9961 119300 1005000 7 1 1 1 35.70 1 84 1 5.980 1005000 2805000 81 1 1 9 9 0 1 0 0 0 0 0 0 0\n1 10000015 38 99999 053 962301 17.74 122571 102045 1.2012 108300 8215000 7 1 1 1 55.00 2 84 3 5.490 8215000 14945000 81 1 1 9 9 0 1 1 0 0 0 0 0 0\n1 10000016 48 19100 439 113516 40.61 105605 99957 1.0565 107300 9875000 7 1 1 1 70.00 1 60 3 5.430 9875000 14105000 57 1 1 9 9 20 1 0 0 0 0 0 1 0\n1 10000017 36 10580 001 001400 34.78 150815 109385 1.3788 117800 2805000 7 1 1 1 48.30 2 120 2 5.920 2805000 5805000 117 1 1 9 9 0 1 0 0 0 0 0 0 0\n1 10000018 51 47260 710 005800 88.90 69464 95214 0.7296 100000 25505000 1 1 1 1 64.90 2 60 5 5.880 25505000 39275000 57 1 1 9 9 0 1 0 0 0 0 1 0 0\n1 10000019 48 19100 251 130211 23.27 120579 99957 1.2063 107300 20375000 1 1 1 1 56.90 1 60 5 5.000 20375000 35845000 57 1 1 9 9 0 1 0 0 0 0 0 0 0\n1 10000020 13 12020 059 140300 75.11 48885 85162 0.5740 90900 935000 1 1 1 2 70.00 1 77 2 8.690 935000 5825000 74 1 1 9 9 0 1 0 0 0 0 0 0 0\n1 10000021 53 14740 035 092101 23.43 111294 109621 1.0153 119700 43565000 7 1 1 1 59.70 1 60 5 5.050 43565000 72945000 57 1 1 9 9 0 1 0 0 0 0 0 0 0\n1 10000022 31 99999 141 965302 22.67 107625 90843 1.1847 96500 3545000 7 1 1 1 65.00 1 120 3 6.020 8405000 5455000 117 1 1 9 9 0 1 1 0 0 0 0 0 0\n1 10000023 06 41740 073 014701 46.80 116550 111734 1.0431 119500 10395000 7 1 1 1 63.40 1 60 2 5.560 10395000 16405000 57 1 1 9 9 0 1 0 0 0 0 0 0 0\n1 10000024 48 19100 085 031720 83.59 40913 99957 0.4093 107300 32105000 7 3 1 1 57.10 1 60 5 4.820 32105000 56255000 57 1 1 9 9 0 1 0 0 0 0 1 0 0\n1 10000025 48 19100 439 122702 41.56 72574 99957 0.7261 107300 12085000 1 1 1 1 75.00 1 84 4 5.700 12085000 16115000 81 1 1 9 9 0 1 0 0 0 0 0 0 0\n1 10000026 47 34980 165 021204 24.98 119484 96905 1.2330 104700 15045000 1 1 1 1 63.60 1 84 5 4.740 15045000 23655000 81 1 1 9 9 0 1 0 0 0 0 0 0 0\n1 10000027 48 19100 113 002001 71.35 93451 99957 0.9349 107300 24955000 2 1 1 1 41.40 1 60 5 5.030 24955000 60215000 57 1 1 9 9 0 1 0 0 0 0 1 0 0\n1 10000028 37 49180 067 002002 71.67 34333 76701 0.4476 8\n"}
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new file mode 100644
index 0000000000000000000000000000000000000000..439b38799b14010a3a104bdda4b6439047f1dc40
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+++ b/chunks/json/5c10d6b3fd717b495217115b10219feed1d17bef551085dd38d82e9c431966c0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15462,"char_start":13753,"chunk_id":"chk_f4409f8293719229","chunk_index":7,"chunk_sha256":"5c10d6b3fd717b495217115b10219feed1d17bef551085dd38d82e9c431966c0","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f394d02a93f3888f","text_sha256":"5c10d6b3fd717b495217115b10219feed1d17bef551085dd38d82e9c431966c0","token_estimate":423,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Mortgage_Servicing___FHFA_ikmqe7.md"]},"text":"[Fannie Mae and Freddie Mac Joint Servicing Market Survey Executive Summary (April 2018)](/sites/default/files/2023-05/ExecSummary4252018.pdf)\n\n[Fannie Mae and Freddie Mac Joint Servicing Market Survey Results (April 2018)](/sites/default/files/2023-03/marketanalysissummaryoffindings_4252018.pdf)\n\n[Requirements for Enterprise Seller/Servicers](/node/13116) [page]\n\n[Alternative Mortgage Servicing Compensation Initiative](/node/12831) [page]\n\n[Loss Mitigation Programs](/node/12271) [page]\n\n## Archived:\n\n[Secretaries of USDA, HUD, VA, Treasury, and FHFA Acting Director Release Joint Statement on Agency Actions to Prevent Evictions](/node/10256) (7/30/2021)\n\n[FHFA Extends COVID-19 REO Eviction Moratorium Through September 30, 2021](/node/10261) (7/30/2021)\n\n[FHFA Expands Use of Interest Rate Reduction to Help Borrowers with a Covid-19 Hardship Reduce their Monthly Mortgage Payment](/node/10216) (6/30/2021)\n\n[FHFA Protects Borrowers After COVID-19 Foreclosure and REO Eviction Moratoriums End](/node/10206) (6/29/2021)\n\n[FHFA Extends COVID-19 Foreclosure and REO Eviction Moratoriums](/node/10186) (6/24 /2021)\n\n​[FHFA Announces Extension of COVID-Related Loan Flexibilities](/node/10076) (4/21/2021)\n\n[FHFA Further Extends COVID-Related Loan Flexibilities](/node/10056) (3/11/2021)\n\n[FHFA Extends COVID-19 Multifamily Forbearance through June 30, 2021](/node/10051) (3/4/2021)\n\n[FHFA Extends COVID-19 Forbearance Period and Foreclosure and REO Eviction Moratoriums](/node/10041) (2/25/2021)\n\n[FHFA Further Extends COVID-Related Loan Flexibilities](/node/10026) (2/10/2021)\n\n[FHFA Extends Foreclosure and REO Eviction Moratoriums and COVID Forbearance Period](/node/10021) (2/9/2021)\n"}
diff --git a/chunks/json/5c11eff00c988565b838aec1c999ff933efc9e84e01518694c941bae46ca11d7.json b/chunks/json/5c11eff00c988565b838aec1c999ff933efc9e84e01518694c941bae46ca11d7.json
new file mode 100644
index 0000000000000000000000000000000000000000..9de163dcf33093214398a63add6b701dbb08d7a8
--- /dev/null
+++ b/chunks/json/5c11eff00c988565b838aec1c999ff933efc9e84e01518694c941bae46ca11d7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":529905,"char_start":528189,"chunk_id":"chk_2c7f48ddb3cedc6c","chunk_index":312,"chunk_sha256":"5c11eff00c988565b838aec1c999ff933efc9e84e01518694c941bae46ca11d7","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5c11eff00c988565b838aec1c999ff933efc9e84e01518694c941bae46ca11d7","token_estimate":429,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/STRUCTURE/OVERALL_CONDITI\nON_RATING_EXTENSION/OVERALL_CONDITION_RATING_EXTENSION\n_SECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/OVERALL_CONDITION_RATING_EXTENSION_SECTION_DA\nTA/OVERALL_CONDITION_RATING/@GSEUpdateLastFifteenYearIndicator\n\n292\n\n2\n\ne-11\n\nUNIT\nDESCRIPTION\n\nDescribe the condition of the\nproperty (including needed\nrepairs, deterioration,\nrenovations, remodeling, etc.)\n\nGSE Improvement\nArea Type\n\nThe area of the subject property structure\nto be noted regarding updating or\nremodeling.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CONDITION_DETAIL\n_EXTENSION/CONDITION_DETAIL_EXTENSION_SECTION[@ExtensionSe\nctionOrganizationName='UNIFORM APPRAISAL\nDATASET']/CONDITION_DETAIL_EXTENSION_SECTION_DATA/CONDIT\nION_DETAIL[@_SequenceIdentifier='1..2']/@GSEImprovementAreaType\n\n1\n\n9\n\nNote: This data appears in more than one place for the subject (field 3-32) on the\nappraisal form and must be represented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Improvements Section\nThe appraisal report must indicate whether any material work was completed on the\nkitchen or bathrooms of the residence within the last 15 years. If no such updates have\noccurred, this field must take a value of 'N' and the text “No updates in the prior 15\nyears” should print; otherwise this field must take a value of 'Y' and no corresponding\ntext should print.\n\nBoolean\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Improvements Section\nThis field must occur two times, and must take the following allowable values in the\norder presented:\nKitchen\nBathrooms\n"}
diff --git a/chunks/json/5c139b06c98c129adcaea2ee6311b0fbb6af63522e8170258dc31d07fd745197.json b/chunks/json/5c139b06c98c129adcaea2ee6311b0fbb6af63522e8170258dc31d07fd745197.json
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index 0000000000000000000000000000000000000000..39e091bd22214445524f444fd018b064d0ab8424
--- /dev/null
+++ b/chunks/json/5c139b06c98c129adcaea2ee6311b0fbb6af63522e8170258dc31d07fd745197.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":351829,"char_start":350225,"chunk_id":"chk_f72d75f876a0f59a","chunk_index":203,"chunk_sha256":"5c139b06c98c129adcaea2ee6311b0fbb6af63522e8170258dc31d07fd745197","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"5c139b06c98c129adcaea2ee6311b0fbb6af63522e8170258dc31d07fd745197","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Driveway | 2 | Asphalt\n\nDriveway | 4 | Asphalt\n\n$0\n\n$10,000\n\n$10,000\n\n—\n\n—\n\n$340,000\n\n$325,000\n\n$325,000\n\n$(39,120)\n\n$191\n\n$285,880\n\nLess\n\n$229,999\n\n$219,950\n\n$219,950\n\n$54,040\n\n$163\n\n$273,990\n\nLess\n\n$265,000\n\n$247,000\n\n$247,000\n\n$20,425\n\n$156\n\n$267,425\n\nMost\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$275,000\n\nAppraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2)\n\nUniform Residential Appraisal Report\n\nPage 13 of 20\n\nSales Comparison Approach (continued)\n\nGeneral Information\n\nProperty Address\n\nSubject Property\n\nComparable #4\n\n123 Anywhere St\nSomecity, TN 12435\n\n3026 Old West St\nSomecity, TN 12435\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\nNeighborhood Name\n\nZoning Compliance\n\nStreet Type | Surface\n\nThis is where the\nComparable 4 photo\nwould display.\n\nMLS 193032 | Assessor Record\n\n2 Miles SW\n\n$285,000\n\nPending\n\n$275,000\n\n—\n\n03/08/2022\n\n—\n\n92\n\n—\n\n—\n\n—\n\n—\n\n—\n\n—\n\n—\n\n$0\n\n$0\n\n$0\n\nDetached\n\nDetached\n\n14,000 Sq. Ft.\n\n13,068 Sq. Ft.\n\nMagic Hill\n\nLegal\n\nLocal Road | Asphalt\n\nSouthwest\nLake Gardens\n\nLegal\n\nLocal Road\n| Asphalt\n\nTopography\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"}
diff --git a/chunks/json/5c1d4b92f87a9483f0aee7bac6076b4cb51b9c889f92a99b55dcf96a2277e1ee.json b/chunks/json/5c1d4b92f87a9483f0aee7bac6076b4cb51b9c889f92a99b55dcf96a2277e1ee.json
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index 0000000000000000000000000000000000000000..e38be05ed5de81a9f8f1693416d9ae672fc81333
--- /dev/null
+++ b/chunks/json/5c1d4b92f87a9483f0aee7bac6076b4cb51b9c889f92a99b55dcf96a2277e1ee.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":22700,"char_start":20951,"chunk_id":"chk_c5998bf17f1d7f7c","chunk_index":12,"chunk_sha256":"5c1d4b92f87a9483f0aee7bac6076b4cb51b9c889f92a99b55dcf96a2277e1ee","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"5c1d4b92f87a9483f0aee7bac6076b4cb51b9c889f92a99b55dcf96a2277e1ee","token_estimate":437,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"Appraisal Update Commentary\n\nThe Appraisal Update Commentary section displays when comments are provided.\n\nAppraisal Update Commentary\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n03.003 Appraisal\n\nIf applicable\n\nFree-form\n\nUpdate\nCommentary\n\nDefinition / Additional Guidance\n\nAdditional commentary specific to the Restricted Appraisal Update Report.\nCommentary may include:\n•\n•\n\nDetails captured above that require additional support.\nInformation pertinent to the appraisal update that is not captured in the\ndetails above.\n\nAppendix F-2: Appraisal Update Report Reference Guide\n\nPage 12 of 28\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n03 Appraisal Update\n\nAppraisal Update Exhibits\n\nWith the exception of the following, all photos and images display in Appraisal Update Exhibits.\n• A photo displays at the top of the Subject Property section.\n•\n\nLegal Description image, if applicable, displays in the Legal Description subsection of the Subject Property\nsection (01.004).\n\nIf there are no additional photos or images, this section does not display. Reference published guidelines by the\nGSEs, government agencies, or other identified secondary market participants for specific guidance.\n\nAppraisal Update Exhibits\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nSee\niGuide\n\nAppraisal\nUpdate Exhibits\n\nIf required by client or\nscope of work\n\nPhoto(s)\n\nSee\niGuide\n\nAppraisal\nUpdate Exhibits\n\nIf required by client or\nscope of work\n\nPhoto(s)\n\nDefinition / Additional Guidance\n\nDwelling Front Photo\nPhoto(s) of the front of the dwelling may be provided, which display in\nAppraisal Update Exhibits with the caption “Dwelling Front.” A caption may be\nprovided to further identify each photo.\n"}
diff --git a/chunks/json/5c258fde4561d4fe0333f4795c537ba7266bea805791fb83877673f520525a78.json b/chunks/json/5c258fde4561d4fe0333f4795c537ba7266bea805791fb83877673f520525a78.json
new file mode 100644
index 0000000000000000000000000000000000000000..8a3e7eb88f5e0d0b669864add8b9132f8d9cea06
--- /dev/null
+++ b/chunks/json/5c258fde4561d4fe0333f4795c537ba7266bea805791fb83877673f520525a78.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":184071,"char_start":182385,"chunk_id":"chk_a54faf51f2470a01","chunk_index":107,"chunk_sha256":"5c258fde4561d4fe0333f4795c537ba7266bea805791fb83877673f520525a78","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"5c258fde4561d4fe0333f4795c537ba7266bea805791fb83877673f520525a78","token_estimate":422,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"4.053\n\nProperty\nRestriction\n(Impact)\n\nProperty\nRestriction\n(Comment)\n\nAdverse,\nBeneficial, or\nNeutral\n\nFree-form\n\nRequired for each\nproperty restriction\n\nRequired for each\nproperty restriction if\nImpact is Adverse or\nBeneficial, or as\nneeded\n\nDefinition / Additional Guidance\n\nProperty Restriction: Limitation(s) on the use, development, or transfer of a\nproperty.\n•\nAge\n•\nHistoric Preservation\n•\nIncome\n•\nLand Use\n•\nRental\n•\nSale Price\n•\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.\n\nAllowable Answer\n\nAge\n\nProperty Restriction (Choose all that apply)\n\nDefinition / Additional Guidance\n\nA restriction that limits the conveyance and ownership of the property based on an individual meeting a specified age\nthreshold (e.g., 55+ communities).\n\nHistoric Preservation\n\nA restriction that prevents owner from altering the property in its entirety or specific portion of the property to preserve\nits historical relevance or character.\n\nIncome\n\nLand Use\n\nRental\n\nSale Price\n\nA restriction that limits the conveyance and ownership of the property based on an individual meeting income\nrequirements.\nNote: For affordable housing programs, select both Income and Sale Price, if applicable.\n\nA restriction that controls use of the land.\n\nA restriction on the amount of rent that can be charged or increased in a certain period (e.g., rental cap, rent control).\n\nA restriction that places a sale price threshold on the property (e.g., minimum sale price, maximum sale price).\nNote: For affordable housing programs, select both Income and Sale Price, if applicable.\n"}
diff --git a/chunks/json/5c26e309c6b58f33d05cc30ce0d6b259802c119434bcf974a856ca7e0f0df851.json b/chunks/json/5c26e309c6b58f33d05cc30ce0d6b259802c119434bcf974a856ca7e0f0df851.json
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index 0000000000000000000000000000000000000000..aa98816ea383922dbc1d00882eb599299c7ae403
--- /dev/null
+++ b/chunks/json/5c26e309c6b58f33d05cc30ce0d6b259802c119434bcf974a856ca7e0f0df851.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":737786,"char_start":736145,"chunk_id":"chk_a6cf4fffa3f35d54","chunk_index":437,"chunk_sha256":"5c26e309c6b58f33d05cc30ce0d6b259802c119434bcf974a856ca7e0f0df851","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5c26e309c6b58f33d05cc30ce0d6b259802c119434bcf974a856ca7e0f0df851","token_estimate":411,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"A free-form text field used to describe the\nzoning classification of the property site.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/@_ZoningClassificationDescript\nion\n\n4000\n\nString\n\nThis field should contain a description of the zoning classification of the subject\nproperty.\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point\n\nPROJECT SITE\n\nZoning Compliance\nLegal\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='Le\ngal']\n\nPROJECT SITE\n\nZoning Compliance\nLegal Nonconforming\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\nnconforming']\n\n13\n\n13\n\nEnumerated\n\nEnumerated\n\nThis data is referenced more than once on the form for the subject property and must be\nrepresented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\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 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\nThis data is referenced more than once on the form for the subject property and must be\nrepresented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n"}
diff --git a/chunks/json/5c3c54612ef0c769a9674dc39513e730c5aa4271d50c8b7819252c7b6ad23d68.json b/chunks/json/5c3c54612ef0c769a9674dc39513e730c5aa4271d50c8b7819252c7b6ad23d68.json
new file mode 100644
index 0000000000000000000000000000000000000000..a07ef02d58c72d55e7e2ad71153dfc16e90769c4
--- /dev/null
+++ b/chunks/json/5c3c54612ef0c769a9674dc39513e730c5aa4271d50c8b7819252c7b6ad23d68.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":395851,"char_start":394227,"chunk_id":"chk_f4e8bc94b1388a60","chunk_index":234,"chunk_sha256":"5c3c54612ef0c769a9674dc39513e730c5aa4271d50c8b7819252c7b6ad23d68","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"5c3c54612ef0c769a9674dc39513e730c5aa4271d50c8b7819252c7b6ad23d68","token_estimate":406,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Property Amenity Category: Whole Home\n\nAppendix F-1: URAR Reference Guide\n\nPage 167 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n14 Subject Property Amenities\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nSubject Property Amenities and Categories (Choose all that apply)\n\nElevator\n\nEV Station\n\nA mechanized platform used for raising and lowering people or things from one level to another.\n\nA system designed to provide on-demand charging for compatible electric vehicles.\n\nFire Suppression System\n\nA system designed to extinguish fires.\n\nIndoor Fireplace\n\nA self-contained unit or framed opening located inside of a structure that is used for containing fire.\nNote: Amenity Count must be provided.\n\nMultiple Zone HVAC\n\nA system that allows independent control of the temperature for various areas of the dwelling.\n\nSmart Home System\n\nA system that allows remote control of household systems.\n\nWhole House Ventilation\n\nA system designed to provide continuous exchange of air within the dwelling (e.g., air exchanger, whole house fan).\n\nWood Stove\n\nAirstrip\n\nA free-standing heating mechanism fueled by wood or wood pellets.\nNote: Amenity Count must be provided.\n\nProperty Amenity Category: Miscellaneous\n\nAn individually owned runway with very basic or no aircraft support facilities that is designed for the take-off and landing\nof smaller personal aircraft.\nNote: Do not include shared airstrips that serve a project or community. These are reported in Common Amenities /\nServices (18.012).\n\nClub Membership\n\nA club membership that conveys with the property (e.g., golf club membership, health club membership).\n"}
diff --git a/chunks/json/5c3f29320ab5cc8b2814549fc292e4fc0f8171c4cdb568edf86e7c24df800916.json b/chunks/json/5c3f29320ab5cc8b2814549fc292e4fc0f8171c4cdb568edf86e7c24df800916.json
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index 0000000000000000000000000000000000000000..68348f14ac12d22089d6c45f88c9d7ea670c94b4
--- /dev/null
+++ b/chunks/json/5c3f29320ab5cc8b2814549fc292e4fc0f8171c4cdb568edf86e7c24df800916.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":695659,"char_start":693978,"chunk_id":"chk_83e0d16cdff582ee","chunk_index":414,"chunk_sha256":"5c3f29320ab5cc8b2814549fc292e4fc0f8171c4cdb568edf86e7c24df800916","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"5c3f29320ab5cc8b2814549fc292e4fc0f8171c4cdb568edf86e7c24df800916","token_estimate":420,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"If applicable, Structure Identifier (8.000) redisplays from the Dwelling Exterior\nsection.\n\nAppendix F-1: URAR Reference Guide\n\nPage 312 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n25 Cost Approach\n\nReplacement or Reproduction Cost for each Dwelling\n\nCost Approach – Replacement or Reproduction Cost (Dwelling)\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n25.006 N/A\n\nRequired for each\ndwelling\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nArea Type: The area for which costs to reproduce or replace are being\nestimated.\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n\nAbove Grade Finished Area\nAbove Grade Finished Area (Nonstandard)\nAbove Grade Unfinished Area\nAttached Garage\nBelow Grade Finished Area\nBelow Grade Finished Area (Nonstandard)\nBelow Grade Unfinished Area\nBuilt-in Garage\nCarport\nFoundation\nOther (Describe)\n\nNote: Each selected answer displays in a separate row.\n\n25.007 N/A\n\n25.008 @\n\n25.008 N/A\n\nRequired for each\nindicated Area Type\n\nNumber of square\nfeet\n\nArea Size\n\nRequired for each\nindicated Area Type\n\nRequired for each\nindicated Area Type\n\nDollar amount\n\nDollar amount\n\nReplacement or Reproduction Cost per Unit of Measure (e.g., cost per square\nfoot).\n\nArea Type Cost: The total cost for the line item.\nCalculated: Area Size x Replacement or Reproduction Cost per Unit of Measure\n\nDepreciation For Each Dwelling\n\nOne of the following may be provided for each dwelling:\n• Separate physical, functional and external depreciation (percent and dollar amount), or\n\n• Total depreciation (dollar amount). This is an aggregate number representing physical, functional, and\n"}
diff --git a/chunks/json/5c415d57b6b5e1643ba1ccb5798c9a668997cde63df33de225343eb932f0bc46.json b/chunks/json/5c415d57b6b5e1643ba1ccb5798c9a668997cde63df33de225343eb932f0bc46.json
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index 0000000000000000000000000000000000000000..2cc965e572a95007c0bb190bee8a7d1a919b105a
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+++ b/chunks/json/5c415d57b6b5e1643ba1ccb5798c9a668997cde63df33de225343eb932f0bc46.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":336901,"char_start":335275,"chunk_id":"chk_bc9b67d3ade21bf5","chunk_index":194,"chunk_sha256":"5c415d57b6b5e1643ba1ccb5798c9a668997cde63df33de225343eb932f0bc46","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"5c415d57b6b5e1643ba1ccb5798c9a668997cde63df33de225343eb932f0bc46","token_estimate":407,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Windows\n\nLow E thermal\n\nUpgraded meeting Energy\nStar® requirements.\n\nNew or Like New\n\nCheck #A\n\nMechanical System Details\n\nHeating\n\nCooling\n\nSystem\nHeat Pump\n\nCentralized\n\nDetail\nElectric\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\nDwelling Exterior Commentary\n\nSubject meets requirements for CHOICEHome® and MH Advantage and features a poured concrete perimeter foundation and skirting, Low E\nthermal windows, a 30-year roof, aluminum siding and synthetic stone accents.\n\nDwelling Exterior Exhibits\n\nDwelling Rear\n\nThis is where the Dwelling Rear photo would display.\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 6 of 20\n\nManufactured Home\n\nManufacturer Name\nYear Installed\nMoved Since Original Installation No\n\nXYZ Homes\n2020\n\nAttached to Permanent\nFoundation\nTowing Hitch, Wheels, Axles\nRemoved\nManufactured Home Width\nSkirting\n\nYes\n\nYes\nMulti\nPoured Concrete\n\nYes No\nHave there been any modifications, attachments, or additions that rely on or have altered the original structure for support?  \n\nHUD Data Plate\n\nHUD Data Plate Attached\nDate of Manufacture\nSerial Number\n\nHUD Certification Label\n\nYes\n09/01/2020\ngaelw43232790-er293/\ngbelw43232790-er293\n\nHUD Wind Zone\nHUD Thermal Zone\nHUD Roof Load Zone\n\nZone I\nZone 1\nSouth\n\nLabel Present for All Sections\n\nYes\n\nHUD Certification Number\n\nere32498213\nere32498214\n\nManufactured Home Certification Program\n"}
diff --git a/chunks/json/5c4a0a0e10ac6ac0bf3e7a44f2304eec91c65af68c7074e0410682ed9884eef4.json b/chunks/json/5c4a0a0e10ac6ac0bf3e7a44f2304eec91c65af68c7074e0410682ed9884eef4.json
new file mode 100644
index 0000000000000000000000000000000000000000..f3c4c75c2f0f88a6e3a17cfba19503c411cde1ff
--- /dev/null
+++ b/chunks/json/5c4a0a0e10ac6ac0bf3e7a44f2304eec91c65af68c7074e0410682ed9884eef4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":19136,"char_start":17209,"chunk_id":"chk_6f8d696b7020989f","chunk_index":9,"chunk_sha256":"5c4a0a0e10ac6ac0bf3e7a44f2304eec91c65af68c7074e0410682ed9884eef4","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f394d02a93f3888f","text_sha256":"5c4a0a0e10ac6ac0bf3e7a44f2304eec91c65af68c7074e0410682ed9884eef4","token_estimate":568,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Mortgage_Servicing___FHFA_ikmqe7.md"]},"text":"[FHFA Announces Refinance and Home Purchase Eligibility for Borrowers in Forbearance](/node/9611) (5/19/2020)\n\n[FHFA Extends Foreclosure and Eviction Moratorium; Moratorium applies to Enterprise-backed mortgages](/node/9691) (5/14/2020)\n\n[Enterprises to Offer Payment Deferral as a New Repayment Option for Homeowners in COVID-19 Forbearance Plans](/node/9601)(5/13/2020)\n\n[CFPB, FHFA, & HUD Launch Joint Mortgage and Housing Assistance Website for Americans Impacted by COVID-19](/news/news-release/cfpb-fhfa-hud-launch-joint-mortgage-and-housing-assistance-website-for-americans-impacted-by-covid) (5/12/2020)\n\n[FHFA Extends Loan Processing Flexibilities for Fannie Mae and Freddie Mac Customers](/node/9591) (5/5/2020)\n\n[\"No Lump Sum Required at the End of Forbearance\" says FHFA's Calabria](/node/9576) (4/27/2020)\n\n[FHFA Announces that Enterprises will Purchase Qualified Loans in Forbearance to Keep Lending Flowing](/node/9561) (4/22/2020)\n\n[FHFA Suspends Foreclosures and Evictions for Enterprises During National Emergency](/node/9501) (3/18/2020)\n\n[Statement from FHFA Director Mark Calabria on Coronavirus](/node/9491) (3/10/2020)​\n\n*Page Last Updated: November 1, 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"}
diff --git a/chunks/json/5c51a82424eda029563c9ddbab3d2d15d8162f3ce4cb70d601263f3234eb0506.json b/chunks/json/5c51a82424eda029563c9ddbab3d2d15d8162f3ce4cb70d601263f3234eb0506.json
new file mode 100644
index 0000000000000000000000000000000000000000..8de342e6b13ac4f400ecd8ec95a519c2ac0d3817
--- /dev/null
+++ b/chunks/json/5c51a82424eda029563c9ddbab3d2d15d8162f3ce4cb70d601263f3234eb0506.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10476,"char_start":8576,"chunk_id":"chk_d773e6a8dd78f1ac","chunk_index":5,"chunk_sha256":"5c51a82424eda029563c9ddbab3d2d15d8162f3ce4cb70d601263f3234eb0506","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_de834710100b36b4","text_sha256":"5c51a82424eda029563c9ddbab3d2d15d8162f3ce4cb70d601263f3234eb0506","token_estimate":475,"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 [National Survey of Mortgage Originations (NSMO)](/programs/nmdb#NSMO) is a component of the [National Mortgage Database (NMDB®)](/programs/nmdb) program. It is a quarterly mail survey jointly funded and managed by the Federal Housing Finance Agency (FHFA) and the Consumer Financial Protection Bureau (CFPB). NSMO provides unique and rich information for a nationally representative sample of newly originated closed-end first-lien residential mortgages in the United States, particularly about borrowers’ experiences getting a mortgage, their perceptions of the mortgage market, and their future expectations. This voluntary survey is administered by Westat, a survey and data collection corporation, to the borrowers associated with the sample mortgages. The respondents can either return the English questionnaire by mail or complete the survey online in English or Spanish.\n\nNSMO draws its sample from newly originated mortgages that are part of the NMDB, which is a 1-in-20 sample of closed-end first-lien residential mortgages newly reported to one of the three national credit bureaus. Beginning with mortgages originated in 2013, a simple random sample of about 6,000 mortgages per quarter is drawn for NSMO from loans newly added to the NMDB. The NSMO survey has been conducted quarterly since the first quarter of 2014. The current survey package sent to the respondents can be viewed [here](/programs/nmdb#NSMO).\n\nThe NSMO public use file was updated on October 24, 2025 to append additional survey records and additional quarters of mortgage performance information. It replaced the public use file released on July 1, 2024. The updated file contains 58,381 sample mortgages originated from 2013 through 2023 based on the first 42 quarterly waves of the NSMO survey. For these mortgages, the updated file contains mortgage performance information through the fourth quarter of 2024.\n"}
diff --git a/chunks/json/5c52fa005c0342e4f3dd5439c16843df2aa9fc47000735a543c3bbcd46870951.json b/chunks/json/5c52fa005c0342e4f3dd5439c16843df2aa9fc47000735a543c3bbcd46870951.json
new file mode 100644
index 0000000000000000000000000000000000000000..3da472d4996c920b0e1fa7969eeda87e14cdb83b
--- /dev/null
+++ b/chunks/json/5c52fa005c0342e4f3dd5439c16843df2aa9fc47000735a543c3bbcd46870951.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":35091,"char_start":33494,"chunk_id":"chk_b8ee239314b0f9ba","chunk_index":20,"chunk_sha256":"5c52fa005c0342e4f3dd5439c16843df2aa9fc47000735a543c3bbcd46870951","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"5c52fa005c0342e4f3dd5439c16843df2aa9fc47000735a543c3bbcd46870951","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"D. Submission Summary Report List of Data Elements\n\nPDF Data Point Name\n\nJSON SSR\nField Name\n\nAccessory Dwelling Units\n(FRE PDF)\n\naccessoryDwellingUni\ntTotalCount\n\nDefinition / Description\n\nAppears on…\n[FNM, FRE, Both] *\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 “Number of ADUs” in\nthe Fannie Mae PDF.\n\nAppraisal Sequence\nNumber\n\nappraisalSequenceNu\nmber\n\nA sequence number used to indicate the upload\norder of the documents into UCDP.\n\nAppraisal Update\nEffective Date\n\nappraisalUpdateRepo\nrtEffectiveDate\n\nAppraiser Name\n\nappraiserName\n\nThis is the date of when the appraiser’s analyses,\nopinions, and conclusions regarding the property’s\nvalues apply (are effective) on the Restricted\nAppraisal Update Report.\n\nThe name of the appraiser who performed the\nappraisal of the property.\n\nAssignment Reason\n\nvaluationAssignment\nType\n\nSpecifies the business reason that motivated the\norder for a valuation.\n\nBorrower Name(s)\n\nborrowers\n\nCity\n\ncityName\n\nConstruction Method(s)\n\nconstructionMethodT\nype\n\nIdentifies the name of either a person(s) or legal\nentity applying for the loan. May return up to six\nnames (individual(s) and/or legal entity(ies)).\n\nThe name of the city or Military APO FPO\ndesignation.\n\nA value that represents the manner in which the\nstructure was constructed (e.g., Container;\nManufactured; Modular; On Frame Modular; Other;\nSiteBuilt; Three-Dimensional Printing Technology).\n\nReport Type\n\nURAR\n\nX\n\nUpdate\nReport\n\nCompletion\nReport\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n"}
diff --git a/chunks/json/5c652c0c8d65d86c0291a2627d95086449186eaf48de2e3dc23723f771aa1477.json b/chunks/json/5c652c0c8d65d86c0291a2627d95086449186eaf48de2e3dc23723f771aa1477.json
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+++ b/chunks/json/5c652c0c8d65d86c0291a2627d95086449186eaf48de2e3dc23723f771aa1477.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":20752,"char_start":19176,"chunk_id":"chk_df66509ae30e3cc1","chunk_index":4,"chunk_sha256":"5c652c0c8d65d86c0291a2627d95086449186eaf48de2e3dc23723f771aa1477","date_utc":"2026-01-27T18:02:18+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ed9d928a7f72fadf","text_sha256":"5c652c0c8d65d86c0291a2627d95086449186eaf48de2e3dc23723f771aa1477","token_estimate":424,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Appendix_C___XML_Samples___Fannie_Mae_ph49ua.md"]},"text":"[]()\n\n- [Home](/)\n - [Learning Center](/learning-center)\n - Appendix C | XML Samples\n\n# Appendix C | XML Samples\n\nContains Uniform Loan Delivery Dataset (ULDD) XML samples necessary when submitting single-family loan delivery data in the MISMO XML file format.\n\n## Scenarios\n\n[**Scenario 1** | Fannie Mae Conventional Fixed-Rate Purchase – Whole Loan](/media/document/xml/uldd-implementation-guide-appendix-c-scenario-1)**(Updated)**\n\n[**Scenario 2** | Fannie Mae Conventional ARM Refinance – Whole Loan](/media/document/xml/uldd-implementation-guide-appendix-c-scenario-2)**(Updated)**\n\n[**Scenario 3** | Fannie Mae Conventional Fixed-Rate Condo Purchase - Whole Loan Delivery](/media/document/xml/uldd-implementation-guide-appendix-c-scenario-3)**(Updated)**\n\n[**Scenario 4**| Fannie Mae Purchase 30 Year Conventional Mortgage Transaction Updated for UAD 3.6 Narrative - Whole Loan](/media/document/xml/uldd-implementation-guide-appendix-c-scenario-4) **(New)**\n\n[Download all ULDD Fannie Mae Test Cases (XML) (Appendix C) >](/media/document/zip/xml-samples-zip-appendix-c)\n\n[Uniform Loan Delivery Dataset (ULDD) >](/delivering/uniform-mortgage-data-program/uniform-loan-delivery-dataset)\n\ncampaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } });\n\n![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg)\n"}
diff --git a/chunks/json/5c6bd2da282d698793a06565ef8282a07b1e04e392bd5772bf84ff9a8d24d1a7.json b/chunks/json/5c6bd2da282d698793a06565ef8282a07b1e04e392bd5772bf84ff9a8d24d1a7.json
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index 0000000000000000000000000000000000000000..852a7e6875368771792d9efd3a363dfd30fe180b
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+++ b/chunks/json/5c6bd2da282d698793a06565ef8282a07b1e04e392bd5772bf84ff9a8d24d1a7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1708,"char_start":0,"chunk_id":"chk_3d1a2ea0ed888e1a","chunk_index":0,"chunk_sha256":"5c6bd2da282d698793a06565ef8282a07b1e04e392bd5772bf84ff9a8d24d1a7","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ca98adedced10d4f","text_sha256":"5c6bd2da282d698793a06565ef8282a07b1e04e392bd5772bf84ff9a8d24d1a7","token_estimate":427,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2016.pdf"]},"text":"AMA_PUDB_definitions_2016\n\nData Definitions\nFederal Housing Finance Agency\nFederal Home Loan Bank Purchased Mortgage Files\nFor 2016 Data Release\n\nEffective 10/18/16\n\nColumn\n\n1 Year\n2 Assigned ID\n3 Bank\n4 FIPSStateCode\n5 FIPSCountyCode\n6 MSA\n\n7 FeatureID\n8 Tract\n9 MinPer\n10 TraMedY\n11 LocMedY\n12 TractRat\n13 Income\n14 CurAreY\n15 IncRat\n16 UPB\n17 LTV\n18 MortDate\n19 AcquDate\n20 Purpose\n\n21 Coop\n\n22 Product\n\n23 FedGuar\n\n24 Term\n\n25 AmorTerm\n26 SellType\n\n27 NumBor\n28 First\n\nDefinition\nYear Loan was reported\nUnique Record ID (Not Actual Loan Number)\nName of Federal Home Loan Bank District\nFIPS State Code\nFIPS County Code\nCore Based Statistical Area\n99999=State/County/Tract combination is not located in a CBSA\n\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\n\nCooperative Unit Mortgage\n1=yes;\n2=no\n\nProduct Type\n01=Fixed Rate;\n02=ARM;\n03=Balloon;\n04=GPM/GEM;\n05=Reverse Annuity Mortgage;\n06=other\n\nFederal Guarantee\n0=no federal guarantee;\n1=FHA;\n2=VA;\n3=FMHA-Guaranteed Rural Housing Loan;\n4=HECMs;\n5=Title1-FHA\n\nTerm of Mortgage at Origination in months\n\nAmortization Term in months\nType of Acquiring Lender Institution\n1=Insured depository institution;\n2=Housing Associate;\n3=Insurance Company\n"}
diff --git a/chunks/json/5c7a2033ba39248254ed1e40bee7df8f5984c70cc59d86087a0ec3027ae72d45.json b/chunks/json/5c7a2033ba39248254ed1e40bee7df8f5984c70cc59d86087a0ec3027ae72d45.json
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--- /dev/null
+++ b/chunks/json/5c7a2033ba39248254ed1e40bee7df8f5984c70cc59d86087a0ec3027ae72d45.json
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+{"chunk":{"char_end":1628,"char_start":0,"chunk_id":"chk_cecb8efd5268b37b","chunk_index":0,"chunk_sha256":"5c7a2033ba39248254ed1e40bee7df8f5984c70cc59d86087a0ec3027ae72d45","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a13f2e0157313ea9","text_sha256":"5c7a2033ba39248254ed1e40bee7df8f5984c70cc59d86087a0ec3027ae72d45","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-cs-test-environment-overview.pdf"]},"text":"UCD Collection Solution Test Environment\nOverview\n\nThe Fannie Mae Uniform Closing Dataset (UCD) Collection Solution Test Environment is available to support the\nrollout of enhancements to the UCD Collection Solution. UCD CLVE mirrors the UCD production application. The UCD CLVE allows\nlenders and technology service providers to test UCD XML files.\n\nGetting Started\n\n• UCD CLVE Direct URL: https://ucd-clve.fanniemae.com/UCDepot/\n•\n• Use your UCD production user ID/password to access UCD CLVE.\n\nFor UCD CLVE internet browser requirements, please refer to the Technology Requirements.\n\no\n\nIf you do not have access currently, and require access to UCD CLVE, have your Corporate Administrator request\naccess for you through Technology Manager.\n\n•\n\nNOTE: In Technology Manager the Corporate Administrator will find the “UCD CLVE\" link from the list of available\napplications.\nSelect this to grant access to users within your company. All users must be assigned the UCD_SUBMIT role. Users who\ninitiate, approve, or view established relationships between a Correspondent and their Aggregator should also be\nprovisioned with the UCD_ADMIN role.\n\no Once access has been granted by your Corporate Administrator, log in with your UCD production user\n\no\n\nID/password.\nIf you do not know who your Corporate Administrator is, contact your Account Team representative or the\nCustomer Contact Center.\n\nNOTE: If you need any assistance with getting access, contact Technology Support Center 800-2FANNIE (232-6643) option 5.\n\nNOTE: Technology Service Providers that need assistance with testing should contact the Integration Support mailbox.\n"}
diff --git a/chunks/json/5c7e40f11bf7486014ef4155b4ccdd8488c2b040490bc81b7341e0bedc6d3527.json b/chunks/json/5c7e40f11bf7486014ef4155b4ccdd8488c2b040490bc81b7341e0bedc6d3527.json
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+++ b/chunks/json/5c7e40f11bf7486014ef4155b4ccdd8488c2b040490bc81b7341e0bedc6d3527.json
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+{"chunk":{"char_end":1184400,"char_start":1182527,"chunk_id":"chk_75e51302ce94eba6","chunk_index":703,"chunk_sha256":"5c7e40f11bf7486014ef4155b4ccdd8488c2b040490bc81b7341e0bedc6d3527","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5c7e40f11bf7486014ef4155b4ccdd8488c2b040490bc81b7341e0bedc6d3527","token_estimate":469,"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='Quality']/@_Amount\n\n10\n\nMoney\n\n308\n\n2\n\ne-17\n\nSALES\nCOMPARISON\nAPPROACH\n\nActual Age\n\nGSE Age Estimation\nIndicator\n\nIndicates that the age of the property is\nestimated.\n\n309\n\n310\n\n2\n\n2\n\n70\n\n71\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nActual Age\n\nSale Price\nAdjustment\nDescription\n\nActual Age Adjustment\n\nSale Price\nAdjustment 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\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\n311\n\n2\n\n72\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_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/@GSEAgeEstimationIndicator\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL\nE_PRICE_ADJUSTMENT[@_Type=‘Age’]/@_Description\n\n1\n\n3\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL\nE_PRICE_ADJUSTMENT[@_Type=‘Age’]/@_Amount\n\n10\n\nMoney\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/@GSEOverallConditionType\n"}
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index 0000000000000000000000000000000000000000..f99e4aa7fc97c4edac0bf7784cf83c38fb87a88a
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+++ b/chunks/json/5c84f4839fdbeaeda1b9e14760a000bdf1808f5ebe1c5466e6cd3158427dd467.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":364461,"char_start":362672,"chunk_id":"chk_7d71d274960a3aae","chunk_index":202,"chunk_sha256":"5c84f4839fdbeaeda1b9e14760a000bdf1808f5ebe1c5466e6cd3158427dd467","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"5c84f4839fdbeaeda1b9e14760a000bdf1808f5ebe1c5466e6cd3158427dd467","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":"For co-op projects—The co-op project must comply with all requirements for co-op projects (as provided\nin Selling Guide B4-2.3-02, Co-op Project Eligibility, B4-2.3-03, Legal Requirements for Co-op Projects,\nand B4-2.3-05, Geographic-Specific Co-op Project Considerations).\n\nAll rehabilitation work involved in the condo or co-op conversion must have been completed in a\nprofessional manner.\n\nA current reserve study prepared by a qualified, independent professional company, accompanied by an\nengineer's report, or functional equivalent, must comment favorably on the structural integrity of the\nproject and the remaining useful life of the major project components.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 142 of 166\n\nUAD 3.6 Policy\n\n✓\n\nLender Pre-PERS Submission Review Requirements – For Newly Converted Non-Gut Rehabilitation\nCondo or Co-op Projects\n\nThe project budget must contain line items for\n\n•\n•\n\nreserves to adequately support the costs identified in the reserve study, and\na utility contingency of at least 10% of the previous year's utility costs if the utilities are not\nseparately metered.\n\nFunds to cover the total cost of any items identified in the reserve study or engineer's report that need to be\nreplaced within five years from the date of the study must be deposited in the reserve account of the HOA or\nof the co-op corporation, in addition to the amount stated immediately above.\n\nThe developer must provide a detailed description of the work proposed or already completed in order for\nthe project units to be ready for sale.\n\nGenerally, at least 50% of the total condo units or co-op stocks or shares in the project or subject legal phase\nmust have been conveyed or be under contract for purchase to principal residence or second home\npurchasers.\n"}
diff --git a/chunks/json/5c8581b18f2b2c0401d869e8ccbc5e511414f150c603d69382fd2466a44dc2f7.json b/chunks/json/5c8581b18f2b2c0401d869e8ccbc5e511414f150c603d69382fd2466a44dc2f7.json
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index 0000000000000000000000000000000000000000..633cefe5dffa9210da7740ce0cbff3523a578528
--- /dev/null
+++ b/chunks/json/5c8581b18f2b2c0401d869e8ccbc5e511414f150c603d69382fd2466a44dc2f7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9194,"char_start":8802,"chunk_id":"chk_e2a9200b60cac950","chunk_index":5,"chunk_sha256":"5c8581b18f2b2c0401d869e8ccbc5e511414f150c603d69382fd2466a44dc2f7","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d251c0ceb75125c8","text_sha256":"5c8581b18f2b2c0401d869e8ccbc5e511414f150c603d69382fd2466a44dc2f7","token_estimate":98,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Federal_Home_Loan_Bank_Membership_Data___FHFA_zwmoff.md","below_target_min_tokens"]},"text":"## Membership Listings\n\nThe Federal Home Loan Banks (FHLB) members include thrift institutions, commercial banks, credit unions, and insurance companies. A financial institution joins the FHLBank district that serves the state where the institution's home office or principal place of business is located. A financial institution may become a member by meeting certain statutory requirements.\n"}
diff --git a/chunks/json/5c9c112e9f854241c85a8550f9acb27cda9f9dd2961241667e36695ddd3637c1.json b/chunks/json/5c9c112e9f854241c85a8550f9acb27cda9f9dd2961241667e36695ddd3637c1.json
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index 0000000000000000000000000000000000000000..e418553e2f888517f9b23828436a1ea540e7cc56
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+++ b/chunks/json/5c9c112e9f854241c85a8550f9acb27cda9f9dd2961241667e36695ddd3637c1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":303745,"char_start":302133,"chunk_id":"chk_07a2dea6ff66670b","chunk_index":163,"chunk_sha256":"5c9c112e9f854241c85a8550f9acb27cda9f9dd2961241667e36695ddd3637c1","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"5c9c112e9f854241c85a8550f9acb27cda9f9dd2961241667e36695ddd3637c1","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"8. 16 OTHER\n\nFigure 86 illustrates sample line items to be provided in Section H. These can include all real estate brokerage\nfees, homeowner’s or condominium association charges paid at closing, home warranties, and inspection fees.\nThis section is where Seller-paid fees most frequently occur.\n\n8.0 Other Costs\n\n8.1 E. Taxes and Other Government Fees\n\n8.4 F. Prepaids\n\n8.10 G. Initial Escrow Payment at Closing\n\n8.16 H. Other\n018. 17 HOA Special Assessment 8.17.1to HOA Acre Inc.\n\n02 Home Inspection Fee to HOA Acre Inc.\n\n03 Home Warranty Fee to Engineers Inc.\n\n04 Mold Inspection to Inspector Inc.\n\n05 Real Estate Commission (Listing) to Alpha Real Estate\n\nBroker\n\n06 Real Estate Commission (Selling) to Omega Real Estate\n\nBroker\n\nBorrower-Paid\n\nSeller-Paid\n\nAt Closing\n\nBefore Closing\n\nAt Closing\n\nBefore Closing\n\nPaid by\nOthers\n\n8.1.1 $985.00\n\n8.4.1 $1,598.00\n\n8.10.1 $619.65\n\n8.16.1 $1,650.00\n\n8.17.2 $500.00 8.17.3\n $150.00\n\n8.17.4\n\n8.17.5\n\n8.17.6\n\n$750.00\n\n$450.00\n\n$5,700.00\n\n$5,700.00\n\n07 Title – Owner’s Title Insurance (optional) to Epsilon Title\n\n$1,000.00\n\nCo.\n\nAppendix E: UCD Implementation Guide\n\nPage 138 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n8.0 Other Costs Table\n\nFigure 86. Other Line Items\n\nAll line items for Other Costs are disclosed according to the following pattern:\n\n1.\n\nIdentify the charge using clear and conspicuous terminology describing the service or function paid for.\n\na. Precede all costs paid to a title company with the prefix “Title-”.\n\nb. Include the notation “(optional)” after premiums for separate insurance, warranty, guarantee,\n\nor event-coverage products.\n"}
diff --git a/chunks/json/5ca78bceb50e3ccc85d22a639ff3d3186ca11875af24e7ba05bbc4b76ee3c714.json b/chunks/json/5ca78bceb50e3ccc85d22a639ff3d3186ca11875af24e7ba05bbc4b76ee3c714.json
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index 0000000000000000000000000000000000000000..d3062c215eee1940d20f02f4c779c71af76a166c
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+++ b/chunks/json/5ca78bceb50e3ccc85d22a639ff3d3186ca11875af24e7ba05bbc4b76ee3c714.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1123343,"char_start":1121736,"chunk_id":"chk_76c792f960358b30","chunk_index":667,"chunk_sha256":"5ca78bceb50e3ccc85d22a639ff3d3186ca11875af24e7ba05bbc4b76ee3c714","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5ca78bceb50e3ccc85d22a639ff3d3186ca11875af24e7ba05bbc4b76ee3c714","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Number of Comparable Sales\n\nComparable Sales\nResearched Count\n\nSpecifies the total number of comparable\nproperty sales researched.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/RESEARCH/@ComparableSalesResearchedCount\n\nComparable Sales Price Range\nLow\n\nComparable Sales Price Range\nHigh\n\nComparable Sales\nPrice Range Low\nAmount\nComparable Sales\nPrice Range High\nAmount\n\nSpecifies the low sale value in the range\nof values within the group of comparable\nsales researched.\nSpecifies the high sale value in the range\nof values within the group of comparable\nsales researched.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/RESEARCH/@ComparableSalesPriceRangeLowAmount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/RESEARCH/@ComparableSalesPriceRangeHighAmount\n\n5\n\n15\n\n15\n\n5\n\n15\n\n15\n\nNumeric\n\nPDF Display Format:\nNumeric, 5-digit maximum.\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nNumeric\n\nPDF Display Format:\nNumeric, 5-digit maximum.\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nMoney\n\n231\n\n2\n\n11\n\nSALES\nCOMPARISON\nAPPROACH\n\nAddress\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\n60\n\nString\n\n232\n\n2\n\n12a\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\n233\n\n2\n\n12b\n\nSALES\nCOMPARISON\nAPPROACH\n\nAddress\n(Line 2)\n\nProperty State\n\nThe state in which the subject property is\nlocated.\n"}
diff --git a/chunks/json/5caa98399648ba2cd07d4d6afea00770cbbd9d1c8cded0f498ae7beeeed34e6d.json b/chunks/json/5caa98399648ba2cd07d4d6afea00770cbbd9d1c8cded0f498ae7beeeed34e6d.json
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index 0000000000000000000000000000000000000000..a1e5068b03b7941959e72a1db027d77ab6db8667
--- /dev/null
+++ b/chunks/json/5caa98399648ba2cd07d4d6afea00770cbbd9d1c8cded0f498ae7beeeed34e6d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6735,"char_start":5061,"chunk_id":"chk_1194e77568000914","chunk_index":3,"chunk_sha256":"5caa98399648ba2cd07d4d6afea00770cbbd9d1c8cded0f498ae7beeeed34e6d","date_utc":"2026-01-27T17:46:24+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e5501f422313448a","text_sha256":"5caa98399648ba2cd07d4d6afea00770cbbd9d1c8cded0f498ae7beeeed34e6d","token_estimate":418,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/display (4).pdf"]},"text":"definitions of property types using\nspecific characteristics to\ndetermine the risk profile.\n\nM A R C H 2 0 2 3\n\n7\n\nHow Are the Appraisal Forms Changing?\n\nThere are just too many appraisal forms, and they were all originally designed to be completed on\ntypewriters. All current forms will be retired, and will be replaced by a single, data-driven, flexible and\ndynamic report that will be better organized and populated based on the property type and characteristics.\nIt will be a report that provides clear-cut support for the appraiser’s final value conclusion and will be more\nunderstandable for anyone reviewing it.\n\nSome of the most exciting updates include:\n\nDynamic\nsales grid\n\nNo more\ngeneral\naddenda\n\nNew summary\npage\n\nPhotos placed\nwithin relevant\nsections\n\nM A R C H 2 0 2 3\n\n8\n\nAppraisal Software Vendor Roadmap\n\nSpec Delivery\n\nBuild to the Spec\n\nTest and Verify\n\nq UAD 3.6 spec delivered to industry.\n\nq Start building as soon as possible.\n\nq Familiarize yourself with MISMO 3.6\n\nspec (visit MISMO.org).\nq Check in with all partners to\ndetermine possible impacts.\n\nq Start thinking about allocating\n\nresources you'll need to implement\nchanges to your process.\n\nq Make necessary system\n\nenhancements to support the\nUAD 3.6 spec.\n\nq Develop vendor-specific training to\nhelp AMCs/appraisers get familiar\nwith your updated systems.\n\nq Offer AMCs/appraisers access to\nyour updated systems for testing.\n\n2023\n\n2023-2024\n\n2024\n\nM A R C H 2 0 2 3\n\n9\n\nUCDP Direct Integration Vendor Roadmap\n\nSpec Delivery\n\nq UAD 3.6 spec delivered to industry.\n\nq Familiarize yourself with MISMO 3.6\n\nspec (visit MISMO.org).\nq Check in with all partners to\ndetermine possible impacts.\n"}
diff --git a/chunks/json/5cab0be81826aec2e82d63842301583f0ff31a124f854d7044966313b7b1cee6.json b/chunks/json/5cab0be81826aec2e82d63842301583f0ff31a124f854d7044966313b7b1cee6.json
new file mode 100644
index 0000000000000000000000000000000000000000..4585fe189735e46aba1b2ba9c48665688030e4f0
--- /dev/null
+++ b/chunks/json/5cab0be81826aec2e82d63842301583f0ff31a124f854d7044966313b7b1cee6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":95578,"char_start":93869,"chunk_id":"chk_ac516592e593fa1b","chunk_index":55,"chunk_sha256":"5cab0be81826aec2e82d63842301583f0ff31a124f854d7044966313b7b1cee6","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"5cab0be81826aec2e82d63842301583f0ff31a124f854d7044966313b7b1cee6","token_estimate":427,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"If more than one prior transfer of the subject\nproperty or any of the comparable sale(s)\noccurred within the applicable time period, the\nadditional transfer(s) must be listed and\nreported in the “Analysis of Prior Sale or\nTransfer History of the Subject Property and\nComparable Sales” field.\n\nReporting Format:\nDate of Prior Sale/Transfer – mm/dd/yyyy\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*FIELDS ARE LOCATED\nIN PRIOR SALE\nHISTORY SECTION\n\nPage 56 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\n*FIELDS ARE LOCATED\nIN PRIOR SALE\nHISTORY SECTION\n\nPrice of Prior Sale/Transfer\nThe appraiser must report the price(s) of prior\nsale(s) or transfer(s) of the subject property\nfor the three years prior to the effective date of\nthe appraisal. The appraiser must report the\nprice(s) of the prior sale(s) or transfer(s) of\nany comparable property during the twelve\nmonths prior to its date of sale.\n\nIf more than one prior transfer of the subject\nproperty or any of the comparable sales\noccurred within the applicable time period, the\nadditional transfer(s) must be listed and\nreported in the “Analysis of Prior Sale or\nTransfer History of the Subject Property and\nComparable Sales” field.\n"}
diff --git a/chunks/json/5cc0a03dc31e0f45b21f8245bad9f95d3aff9c7f32438f8791f6075a9a62742f.json b/chunks/json/5cc0a03dc31e0f45b21f8245bad9f95d3aff9c7f32438f8791f6075a9a62742f.json
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index 0000000000000000000000000000000000000000..0c3b971f203a8ac62c3a6e88ed93543f816878dc
--- /dev/null
+++ b/chunks/json/5cc0a03dc31e0f45b21f8245bad9f95d3aff9c7f32438f8791f6075a9a62742f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":49441,"char_start":48936,"chunk_id":"chk_6c45dfe1ab038a45","chunk_index":76,"chunk_sha256":"5cc0a03dc31e0f45b21f8245bad9f95d3aff9c7f32438f8791f6075a9a62742f","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"5cc0a03dc31e0f45b21f8245bad9f95d3aff9c7f32438f8791f6075a9a62742f","token_estimate":481,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"17 Market ............................................................................................................................................................................................................................................ 234\n\nOverview ................................................................................................................................................................................................................................................ 234\n"}
diff --git a/chunks/json/5cccde8278e5414008fae43f4dc63fbaaca97db3c0a7782f227d8339300a7d9f.json b/chunks/json/5cccde8278e5414008fae43f4dc63fbaaca97db3c0a7782f227d8339300a7d9f.json
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index 0000000000000000000000000000000000000000..f8809dddcef7127daaf0359b22cde08431be8c10
--- /dev/null
+++ b/chunks/json/5cccde8278e5414008fae43f4dc63fbaaca97db3c0a7782f227d8339300a7d9f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":300570,"char_start":298936,"chunk_id":"chk_4ed460ba390bc3c6","chunk_index":257,"chunk_sha256":"5cccde8278e5414008fae43f4dc63fbaaca97db3c0a7782f227d8339300a7d9f","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"5cccde8278e5414008fae43f4dc63fbaaca97db3c0a7782f227d8339300a7d9f","token_estimate":409,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"<VALUATION_COMMENTARY>\n\n<ValuationAnalysisCategoryType> SubjectPropertyAmenities</ValuationAnalysisCategoryType>\n<ValuationCommentText>Commentary may be added here.</ValuationCommentText>\n\nPage 227\n\n</VALUATION_COMMENTARY>\n\nSubject Property Amenities Exhibits\n\nThe Subject Property Amenities Exhibits subsection displays when images are provided.\n\nAmenity Type\n\n•\n\nImages provided for amenities must be delivered in the IMAGE container of the instance of the AMENITY container that represents the\nreferenced amenity. E.g., image data associated with the patio must be provided in the IMAGE container located in the instance of the\nAMENITY container where AmenityType = “Patio”.\n\n• The enumerated value of the AmenityType (UID: 1400.0638, FID: 14.002.1) displays above the image.\n• An additional image caption may be provided using ImageCaptionCommentDescription (UID: 1400.0640, FID: 14.002.2) and will display above\n\nthe image following the amenity type.\n\nApparent Defects, Damages, Deficiencies\n\n•\n\nImages provided for Apparent Defects, Damages, Deficiencies (Subject Property Amenities) must be delivered in the IMAGE container located in\nthe instance of the DEFECT container that represents the given defect.\n\n• The text “Apparent Defects, Damages, Deficiencies - ” precedes the AmenityType (UID: 1400.0638, FID: 14.006.1).\n• An additional caption may be provided using ImageCaptionCommentDescription (UID: 1400.0640, FID: 14.006.2) and will also display above the\n\nimage following the amenity type.\n\nAdditional Exhibits\n\n• Any additional images provided must be delivered using ImageCategoryType (UID: 1400.0638, FID: 14.012.1) =\n"}
diff --git a/chunks/json/5cd3e83d76d28568e0137f5697dbabdbce59208076d29d96662a61ee5dc9ae5d.json b/chunks/json/5cd3e83d76d28568e0137f5697dbabdbce59208076d29d96662a61ee5dc9ae5d.json
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index 0000000000000000000000000000000000000000..b311ebbe0c861d7a9edaec0cbd1b2db695b7f553
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+++ b/chunks/json/5cd3e83d76d28568e0137f5697dbabdbce59208076d29d96662a61ee5dc9ae5d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":429533,"char_start":427927,"chunk_id":"chk_2da6ed2e0a0272e6","chunk_index":254,"chunk_sha256":"5cd3e83d76d28568e0137f5697dbabdbce59208076d29d96662a61ee5dc9ae5d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"5cd3e83d76d28568e0137f5697dbabdbce59208076d29d96662a61ee5dc9ae5d","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Plat Map\nPrevious Appraisal File\nProperty Data Report\nProperty Management Company\nProperty Owner\nProperty Tenant\nReal Estate Agent\nOther (Describe)\n\nAppendix F-1: URAR Reference Guide\n\nPage 183 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n18 Project Information\n\nProject Unit Counts\n\nReport on the unit counts for the project in which the subject is located, not the master or umbrella association.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n18.006 Total Units\n\n18.007 Units Sold\n\n18.008 Units for Sale\n\n18.009 Units Rented\n\n18.009 Units Rented\n\nRequired if the\nproperty is in a\ncondominium,\ncooperative, or\ncondop\n\nRequired if the\nproperty is in a\ncondominium,\ncooperative, or\ncondop\n\nRequired if the\nproperty is in a\ncondominium,\ncooperative, or\ncondop\n\nRequired if the\nproperty is in a\ncondominium,\ncooperative, or\ncondop\n\nRequired if the\nproperty is in a\ncondominium,\ncooperative, or\ncondop\n\nProject Information: Project Unit Counts\n\nAllowable\nAnswers / Format\n\nNumber\n\nDefinition / Additional Guidance\n\nTotal number of individual dwelling units in the project. Includes:\n•\n•\n•\n\nCompleted units\nPlanned or under-construction units if the project is not complete\nUnits held by the developer or sponsor\n\nNumber\n\nNumber\n\nNumber\n\nYes | No\n\nTotal number of units in the project that have been sold by the developer, i.e.,\nsettled sales, conveyed to unit purchasers.\n•\n\nIf all units have been sold by the developer, Units Sold would equal Total\nUnits.\n\nTotal number of units in the project that are currently for sale, whether by the\ndeveloper/sponsor or resales by individual owners. Includes:\n•\n•\n"}
diff --git a/chunks/json/5cd442e834e5c98011c514f36dc8697cf1e289ac46b4f13a57a69bfa166d25c7.json b/chunks/json/5cd442e834e5c98011c514f36dc8697cf1e289ac46b4f13a57a69bfa166d25c7.json
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+++ b/chunks/json/5cd442e834e5c98011c514f36dc8697cf1e289ac46b4f13a57a69bfa166d25c7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":337349,"char_start":335673,"chunk_id":"chk_ac5132787e563bb7","chunk_index":184,"chunk_sha256":"5cd442e834e5c98011c514f36dc8697cf1e289ac46b4f13a57a69bfa166d25c7","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"5cd442e834e5c98011c514f36dc8697cf1e289ac46b4f13a57a69bfa166d25c7","token_estimate":419,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"As shown under the MISMO v3.3.0 Context column in the first instance of CASH TO CLOSE ITEM, above, the entire\ncontent of the Calculating Cash to Close table is supported by the DOCUMENT SPECIFIC DATA SETS structure. Ten\ninstances of CASH TO CLOSE ITEM are used to convey all line item content and totals for the Calculating Cash to\nClose table.\n\nEach line within the section is identified using the data point Integrated Disclosure Cash To Close Item Type with\nthe appropriate enumeration. The enumerations are the same as the required line item names. For each line\nitem the amount from the Loan Estimate is represented using the Integrated Disclosure Cash To Close Item\nEstimated Amount and the Final amount is represented using the Integrated Disclosure Cash To Close Item Final\nAmount. The data point Integrated Disclosure Cash To Close Item Amount Change Indicator is used to answer the\nquestion “Did this change?” and if the amount has changed, the Integrated Disclosure Cash To Close Item\nAmount Change Description is used to describe the change.\n\nThe totals within the section are identified using the data point Integrated Disclosure Cash To Close Item Type\nequal to “Cash To Close Total”. An alternative mapping for the Total lines would be to include both Integrated\nDisclosure Cash To Close Item Estimated Amount and Integrated Disclosure Cash To Close Item Final Amount in\nthe same container as Integrated Disclosure Cash To Close Item Type = “Cash to Close Total”. However, since the\nAlternative Calculating Cash to Close table mapping requires the Estimate and Final amounts to be in separate\ncontainers, that same mapping approach is used here for consistency.\n"}
diff --git a/chunks/json/5cd4695d94cba6e93f59c1ee16b544d00625072b0752a063269fca706b09a549.json b/chunks/json/5cd4695d94cba6e93f59c1ee16b544d00625072b0752a063269fca706b09a549.json
new file mode 100644
index 0000000000000000000000000000000000000000..4c3c8e1bc859a1fa2397042ff152d66ed685a2c6
--- /dev/null
+++ b/chunks/json/5cd4695d94cba6e93f59c1ee16b544d00625072b0752a063269fca706b09a549.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11501,"char_start":10090,"chunk_id":"chk_b2866ac6d76b4b71","chunk_index":6,"chunk_sha256":"5cd4695d94cba6e93f59c1ee16b544d00625072b0752a063269fca706b09a549","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_da248e1b967abf99","text_sha256":"5cd4695d94cba6e93f59c1ee16b544d00625072b0752a063269fca706b09a549","token_estimate":448,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Media_Library___FHFA_279ngw.md"]},"text":"August 6, 2024\n\n## [2024 Duty to Serve Public Listening Sessions: Manufactured Housing Market](/news/videos/2024-duty-to-serve-listening-session-manufactured-housing)\n\n![Preview image for the video \"2024 Duty to Serve Public Listening Sessions: Manufactured Housing Market\".](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\nAugust 6, 2024\n\n## [2024 Duty to Serve Listening Session: Affordable Housing Preservation](/news/videos/2024-duty-to-serve-listening-session-affordable-housing-preservation)\n\n![Preview image for the video \"2024 Duty to Serve Listening Session: Affordable Housing Preservation\".](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\nJuly 3, 2024\n\n## [FHLBank and CDFI Symposium](/news/videos/fhlbank-and-cdfi-symposium)\n\n![Preview image for the video \"FHLBank and CDFI Symposium\".](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\nMay 28, 2024\n\n## [FHFA House Price Index 2024 Q1](/news/videos/fhfa-house-price-index-2024-q1)\n\n![Preview image for the video \"FHFA House Price Index 2024 Q1\".](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"}
diff --git a/chunks/json/5cda4e9e7c99a9afad7698611cfeb8b359e5d090c1d92819517174492cd6f33c.json b/chunks/json/5cda4e9e7c99a9afad7698611cfeb8b359e5d090c1d92819517174492cd6f33c.json
new file mode 100644
index 0000000000000000000000000000000000000000..c8c2a4913bc41a04e4811766d0b254c00ac87805
--- /dev/null
+++ b/chunks/json/5cda4e9e7c99a9afad7698611cfeb8b359e5d090c1d92819517174492cd6f33c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":16284,"char_start":14872,"chunk_id":"chk_dd48b4ba4a53cb8a","chunk_index":9,"chunk_sha256":"5cda4e9e7c99a9afad7698611cfeb8b359e5d090c1d92819517174492cd6f33c","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_de834710100b36b4","text_sha256":"5cda4e9e7c99a9afad7698611cfeb8b359e5d090c1d92819517174492cd6f33c","token_estimate":426,"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":"[FHFA and CFPB Release Additional Data from the National Survey of Mortgage Originations for Public Use](/news/news-release/fhfa-and-cfpb-release-additional-data-from-the-national-survey-of-mortgage-originations-for-public) (2/20/2020)\n\n[FHFA and BCFP Release National Survey of Mortgage Originations Dataset for Public Use](/news/news-release/fhfa-and-bcfp-release-national-survey-of-mortgage-originations-dataset-for-public-use) (11/8/2018)\n\n[FHFA and CFPB Partner on Development of National Mortgage Database](/news/news-release/fhfa-and-cfpb-partner-on-development-of-national-mortgage-database) (11/1/2012)\n\n**Other Data**\n\n[NMDB Aggregate Statistics](/data/nmdb) (9/25/2025)\n\n**Flyer**\n\n[NSMO](/document/nsmo-flyer-v60.pdf) (10/24/2025)\n\n**Technical Documentation**\n\n[NMDB](/document/NMDB-Technical-Documentation.pdf) (12/28/2022)\n\n[NSMO](/document/nsmo-technical-report-v60.pdf) (10/24/2025)\n\n**NMDB Staff Working Papers​**\n\n[18-02: First-Time Homebuyer Counseling and the Mortgage Selection Experience](/research/papers/nmdb-wp1802) (3/14/2018)\n\n[18-01: Mortgage Experience of Rural Borrowers](/research/papers/nmdb-wp1801) (3/14/2018)​​​\n\n**NSMO Symposium in Cityscape**\n\n[Link](https://www.huduser.gov/portal/periodicals/cityscpe/vol21num2/index.html) to *Cityscape*\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/5ce4c9aa24e20456449175849efbd5103bb154efa34be89a754f5680849d26e0.json b/chunks/json/5ce4c9aa24e20456449175849efbd5103bb154efa34be89a754f5680849d26e0.json
new file mode 100644
index 0000000000000000000000000000000000000000..d6e1f71c7675ca3a0c42f7bc829e7df57b0009bb
--- /dev/null
+++ b/chunks/json/5ce4c9aa24e20456449175849efbd5103bb154efa34be89a754f5680849d26e0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":14673,"char_start":14225,"chunk_id":"chk_afa5f6a09cae31c7","chunk_index":23,"chunk_sha256":"5ce4c9aa24e20456449175849efbd5103bb154efa34be89a754f5680849d26e0","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"5ce4c9aa24e20456449175849efbd5103bb154efa34be89a754f5680849d26e0","token_estimate":413,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Appraiser ...................................................................................................................................................................................................................... 57\n\nSupervisory Appraiser .................................................................................................................................................................................................. 57\n"}
diff --git a/chunks/json/5d0d86c069db6d9a205104265cbb072f65a96682b38ee4e97d4b07a074bcabe9.json b/chunks/json/5d0d86c069db6d9a205104265cbb072f65a96682b38ee4e97d4b07a074bcabe9.json
new file mode 100644
index 0000000000000000000000000000000000000000..7628d7ce3b186d982854937ed189c7d96985416c
--- /dev/null
+++ b/chunks/json/5d0d86c069db6d9a205104265cbb072f65a96682b38ee4e97d4b07a074bcabe9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3450,"char_start":3269,"chunk_id":"chk_e4fefcecca23c85c","chunk_index":2,"chunk_sha256":"5d0d86c069db6d9a205104265cbb072f65a96682b38ee4e97d4b07a074bcabe9","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bb929fdc71438a44","text_sha256":"5d0d86c069db6d9a205104265cbb072f65a96682b38ee4e97d4b07a074bcabe9","token_estimate":45,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-spec-and-schema-changes-july-7-2025.pdf","below_target_min_tokens"]},"text":"Edits.\n\n5. Once the Integration Analyst signs off on the required test cases, the partner will be considered “validated” to provide\n\nUCD v2.0.\n\n© 2025 Fannie Mae 7.7.25 Page 2 of 2\n"}
diff --git a/chunks/json/5d11f8bfc32c00fb31ca29fb83e610189833a7307213398a3dd47d55de14c2de.json b/chunks/json/5d11f8bfc32c00fb31ca29fb83e610189833a7307213398a3dd47d55de14c2de.json
new file mode 100644
index 0000000000000000000000000000000000000000..687724f0c8b5efc0acd095b3e5c21b368642e7ac
--- /dev/null
+++ b/chunks/json/5d11f8bfc32c00fb31ca29fb83e610189833a7307213398a3dd47d55de14c2de.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":54648,"char_start":53045,"chunk_id":"chk_791d952bb9dd7878","chunk_index":28,"chunk_sha256":"5d11f8bfc32c00fb31ca29fb83e610189833a7307213398a3dd47d55de14c2de","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"5d11f8bfc32c00fb31ca29fb83e610189833a7307213398a3dd47d55de14c2de","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"B. Containers\n\nThe “Containers” worksheet contains an alphabetical list of the containers (Complex Type\nXML Elements) used in the V3.0 Reference Model. The “Containers” worksheet can be\nused to answer the following questions:\n\nFigure III-2. Questions Answered by the Containers Worksheet.\n\n\n\nIs there a MISMO data category that corresponds to a business process or\na section of form or system screen?\n\n Where in the Reference Model is a container used?\n\n What is the parent container?\n\n\n\nIs a container the child of more than one parent?\n\n What is the correct spelling or definition of a container?\n\nThe following information is presented in the columns associated with each container:\n\n1. Container\n\nThe “Container” column lists the containers used in the V3.0 Reference Model.\nContainer names are determined by the submitting MISMO Workgroup and approved\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 19 of 76\n\nSection III. Using the MISMO v3.0 Logical Data Dictionary\n\nby MISMO. The container name must comply with the same MISMO naming\nconventions governing data points and valid values. MISMO container names are\nexpressed in ALL_CAPS with underscores joining each word. (Note that for\nreadability in this document, the container names are shown in SMALL_CAPS, and the\nunderscores are omitted from some figures. This special formatting must not be used\nin the loan delivery file or the file will not process properly.)\n\nExample III-12. MISMO LDD Container Names.\n\nContainer:\n"}
diff --git a/chunks/json/5d16293c0e285735537a6e41598b6b4920d90f9c7950af3c5a8f7c2f36e57147.json b/chunks/json/5d16293c0e285735537a6e41598b6b4920d90f9c7950af3c5a8f7c2f36e57147.json
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index 0000000000000000000000000000000000000000..ff293a1ee9e99e0d88dad1c198d0e45b6e5fa761
--- /dev/null
+++ b/chunks/json/5d16293c0e285735537a6e41598b6b4920d90f9c7950af3c5a8f7c2f36e57147.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":20396,"char_start":18653,"chunk_id":"chk_e7a463f083887ef4","chunk_index":11,"chunk_sha256":"5d16293c0e285735537a6e41598b6b4920d90f9c7950af3c5a8f7c2f36e57147","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f79354cddab6ed07","text_sha256":"5d16293c0e285735537a6e41598b6b4920d90f9c7950af3c5a8f7c2f36e57147","token_estimate":438,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Duty_to_Serve_Eligibility_Data___FHFA_49jfir.md"]},"text":"---\n\n**Year** **Format** **Dictionary** **DTS Plan Cycle​** ​2024 [[ZIP]](/sites/default/files/2024-07/SF_SFI_LIST_2024.zip) [​[PDF]](/sites/default/files/2024-07/SFI_README_2024.pdf)​ 2025-2027 ​2020 [[ZIP]](/sites/default/files/2023-10/SF_SFI_LIST_2020.zip) [​[PDF]](/sites/default/files/2023-10/SF_SFI_README_2020.pdf)​ 2022-2024​\n\n## Interactive Maps\n\n- ## 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- [2022-2024 High Needs Counties with Rural Tracts Map](/data/dashboard/dts/high-needs-counties-and-rural-tracts-map/2022-2024)\n - [2018-2020 High-Needs Counties with Rural Tracts Map](/data/dashboard/dts/high-needs-counties-and-rural-tracts-map/2018-2020)\n\n- ## 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"}
diff --git a/chunks/json/5d2af0cf5351767c22f7c4b78c523928837ebe05aaa8ceedd599878058561823.json b/chunks/json/5d2af0cf5351767c22f7c4b78c523928837ebe05aaa8ceedd599878058561823.json
new file mode 100644
index 0000000000000000000000000000000000000000..adcc446ee04279e01941d822eaae81c6c04cbcbc
--- /dev/null
+++ b/chunks/json/5d2af0cf5351767c22f7c4b78c523928837ebe05aaa8ceedd599878058561823.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":271653,"char_start":269974,"chunk_id":"chk_b7660dbab4c2cfb2","chunk_index":156,"chunk_sha256":"5d2af0cf5351767c22f7c4b78c523928837ebe05aaa8ceedd599878058561823","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"5d2af0cf5351767c22f7c4b78c523928837ebe05aaa8ceedd599878058561823","token_estimate":420,"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\nSignature\n\nAppraiser\nAnnie Appraiser\nAnnie Appraiser\n\n08/28/2019\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nCertified General\n294210393\nDC\n02/28/2020\n\nAppraiser Reference ID 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1)\n\nManufactured Home Scenario 1 (MH1)\n\nIntroduction\n\nThis report is for a manufactured home with multiple sections. It has 1,568 sq. ft. of finished area, three\nbedrooms, and two baths. The appraisal is for a refinance of the existing mortgage on the land, with a\nnew construction manufactured home. The manufactured home has not been occupied and is in C1\ncondition.\n"}
diff --git a/chunks/json/5d2c32abb8236d8d92b203a27a74ff97f8e038d1aa62c3d7f1ea2dd323403eea.json b/chunks/json/5d2c32abb8236d8d92b203a27a74ff97f8e038d1aa62c3d7f1ea2dd323403eea.json
new file mode 100644
index 0000000000000000000000000000000000000000..b3440b095234f8f79392077ec00a8f4924f62dd7
--- /dev/null
+++ b/chunks/json/5d2c32abb8236d8d92b203a27a74ff97f8e038d1aa62c3d7f1ea2dd323403eea.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":297666,"char_start":296052,"chunk_id":"chk_bc0d6216de6fd193","chunk_index":172,"chunk_sha256":"5d2c32abb8236d8d92b203a27a74ff97f8e038d1aa62c3d7f1ea2dd323403eea","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"5d2c32abb8236d8d92b203a27a74ff97f8e038d1aa62c3d7f1ea2dd323403eea","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"No\n\n$0\n\n$0\n\n$0\n\nNo\n\n$0\n\n03/30/2018\n\n$5,000\n\n05/10/2019\n\n$0\n\n406\n\nDetached\n\nFee Simple\n\nNo\n\nMineral Rights\n\nMineral Rights\n\nMineral Rights\n\nMineral Rights\n\nNo\n\nNo\n\nNo\n\nStreet Type | Surface\n\nRural Road | Gravel\n\n5 Acres\n\nMagic Hill\n\nNo Hazard Zone Noted\n\n4.93 Acres\n\nMagic Hill\n\nNo Hazard\nZone Noted\n\nRural Road\n| Gravel\n\nLake | Overhead Electric\nPower Transmission Line\n\nLake | Park\n\n$(5,000)\n\nLandfill\n\nLandfill\n\n$0\n\n5 Acres\n\n$(25,000)\n\n1 Acre\n\n$30,000\n\nDiagonal Alley\n\n$(5,000)\n\nMagic Hill\n\nNo Hazard\nZone Noted\n\nCul-de-Sac |\nConcrete\n\nCanal | Gated\nCommunity\n\nUnderground\nStorage Tank\n\n$0\n\nFEMA Special\nFlood Hazard\nArea\n\nRural Road\n| Gravel\n\n$(10,000)\n\n$(10,000)\n\nPark | River\n\n$(5,000)\n\n$0\n\nRadon\n\n$0\n\nLake | Full\nHigh Voltage Power Lines |\nSeasonal\nWoods | Partial\n\nWoods | Full\n\n$(3,000)\n\nValley | Full\n\n$(3,000)\n\nWoods | Full\n\n$(3,000)\n\nWater Frontage with Private Access\n\n$(5,000)\n\n$15,000\n\n$30,000\n\nWater Frontage\n\nPermanent Waterfront\nFeature\n\nRight to Build\n\nTotal Linear Measurement\n\nDwelling(s)\n\nYear Built\n\nLake | Lake Virginia\n| Shallow Water\n\nDock | Pier\n\n—\n\n40 Ft.\n\nLake | Lake Virginia\n| Shallow Water\n\nCanal | Deep Water\n\nNone\n\nYes\n\n40 Ft.\n\nDock | Pier\n\n—\n\n10 Ft.\n\n—\n\n—\n\n—\n\n—\n\n2019\n\n1989\n\n$10,000\n\n2001\n\n$0\n\n1981\n\n$10,000\n\nConstruction Method\n\nManufactured Home Width\n\nManufactured\n\nManufactured\n\nManufactured\n\nMulti\n\nMulti\n\nMulti\n\nHeating\n\nForced Warm Air | Electric\n\nForced Warm\nAir | Propane\n\n$0\n\nForced Warm\nAir | Electric\n\nManufactured\n\nMulti\n\nForced Warm\nAir | Propane\n\n$0\n\nUnit(s)\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\nAppraisal Version #3\n"}
diff --git a/chunks/json/5d2d305cd513ed26e89881a77378db8832e7a0ae423ee646bdc45b54c6eeb22d.json b/chunks/json/5d2d305cd513ed26e89881a77378db8832e7a0ae423ee646bdc45b54c6eeb22d.json
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index 0000000000000000000000000000000000000000..1b17de7c9c6584db4064099ac0f85687c5557fce
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+++ b/chunks/json/5d2d305cd513ed26e89881a77378db8832e7a0ae423ee646bdc45b54c6eeb22d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":120970,"char_start":119320,"chunk_id":"chk_29aa251182e170f8","chunk_index":69,"chunk_sha256":"5d2d305cd513ed26e89881a77378db8832e7a0ae423ee646bdc45b54c6eeb22d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"5d2d305cd513ed26e89881a77378db8832e7a0ae423ee646bdc45b54c6eeb22d","token_estimate":413,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"If the property has multiple distinct addresses, include them in Alternate\nPhysical Address. Examples:\n•\n\nCorner lots\no\n\nExample: A house at the corner of Main St and 1st St that faces 1st St\nmay have an address of 123 Main St and an additional address of\n200 1st St.\n\n3.002\n\nCounty\n\nAlways required\n\nFree-form\n\n• Multiple city names that use the same ZIP code\n\n•\n•\n\n•\n\no\n\nExample: Colesville MD, Burtonsville MD and Silver Spring MD are all\nvalid cities for ZIP code 20904.\nAddress changed by the local jurisdiction\nRural property with a rural delivery address. Some properties do not have\ntraditional “city style” addresses that denote the physical address.\no\n\nExample: Enter RD #6 Chase Rd for Physical Address and Box 40\nChase Rd for Alternate Physical Address.\n\nCondos, co-ops, or condops where the legal description differs from the\nUSPS address.\no\n\nExample: Mailboxes located in a cluster box in a lobby or outside of\nthe building. Enter 123 Oak St for Physical Address and 123 Oak St,\nBox 11 for Alternate Physical Address.\n\nName 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\nSubject Property Commentary (3.032).\n\n•\n\n3.003\n\nNeighborhood\nName\n\nIf applicable\n\nFree-form\n\nThe neighborhood name may be a name recognized by the municipality in\nwhich the property is sited.\nNote:\n•\n"}
diff --git a/chunks/json/5d36abe321924168d0c29fe201af06b8c1ec23f9a808104b6975a5f61ae016c2.json b/chunks/json/5d36abe321924168d0c29fe201af06b8c1ec23f9a808104b6975a5f61ae016c2.json
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index 0000000000000000000000000000000000000000..712007887f3eb874976fe9e08f4f623137c8a95c
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+++ b/chunks/json/5d36abe321924168d0c29fe201af06b8c1ec23f9a808104b6975a5f61ae016c2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":207706,"char_start":205824,"chunk_id":"chk_c281ebd960b3e959","chunk_index":116,"chunk_sha256":"5d36abe321924168d0c29fe201af06b8c1ec23f9a808104b6975a5f61ae016c2","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"5d36abe321924168d0c29fe201af06b8c1ec23f9a808104b6975a5f61ae016c2","token_estimate":471,"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 ANSI standard cannot be used to measure apartment/multifamily buildings; however, it must be used in all other cases\nfor single-family dwellings including townhomes, rowhouses, and detached dwellings. When measuring an apartment unit in a\ncondo or co-op project building, the appraiser must use interior perimeter measurements.\n\nThe appraiser must be consistent when reporting the finished above-grade square footage, below-grade square footage, and\nroom count. The need for consistency also applies from report to report. For example, when using the same transaction as a\ncomparable sale in multiple reports, the room count, and square footage(s) must not change.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 83 of 166\n\nUAD 3.6 Policy\n\nThe square footage of any nonstandard finished area(s) (NSFA) such as finished area(s) with direct interior access from within the\ndwelling not conforming to the ANSI ceiling height requirements or accessed through unfinished area(s) (e.g., an unfinished\nhallway, a room, or staircase, etc.) must be calculated and reported separately in accordance with the ANSI standard.\nAdditionally, the appraiser must provide the reason(s) this area does not comply with the ANSI standard and also acknowledge\nany contribution of the additional square footage.\n\nFannie Mae considers a level to be below-grade if any portion of it is below-grade, regardless of the quality of its finish or the\nwindow area of any room. Therefore, a walk-out partially below-grade area with finished rooms would not be included in the\nabove-grade square footage. Appraisers should include both above- and below-grade rooms in the total bedroom and bathroom\ncounts. However, when providing the level and room detail, the appraiser must identify the level, whether the room is above- or\nbelow-grade, and if the area is finished (includes NSFA) or unfinished.\n"}
diff --git a/chunks/json/5d43a583e6ceef4a6cb875bdffe08ba350d18922e92e9a8b1ae384735977a57a.json b/chunks/json/5d43a583e6ceef4a6cb875bdffe08ba350d18922e92e9a8b1ae384735977a57a.json
new file mode 100644
index 0000000000000000000000000000000000000000..6cd20c47ba6546c046e0caf05aadc5411e321173
--- /dev/null
+++ b/chunks/json/5d43a583e6ceef4a6cb875bdffe08ba350d18922e92e9a8b1ae384735977a57a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":570214,"char_start":568496,"chunk_id":"chk_ba0a87ad94dca3dd","chunk_index":328,"chunk_sha256":"5d43a583e6ceef4a6cb875bdffe08ba350d18922e92e9a8b1ae384735977a57a","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"5d43a583e6ceef4a6cb875bdffe08ba350d18922e92e9a8b1ae384735977a57a","token_estimate":430,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Appraiser 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 21 of 22\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\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/5d4835dad2bc0fefccdbe9fd404860c77b49f3ee0266afe066f2fd00cdbd45d2.json b/chunks/json/5d4835dad2bc0fefccdbe9fd404860c77b49f3ee0266afe066f2fd00cdbd45d2.json
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index 0000000000000000000000000000000000000000..0f49a2efe2310b361195c26faa81b4355240d392
--- /dev/null
+++ b/chunks/json/5d4835dad2bc0fefccdbe9fd404860c77b49f3ee0266afe066f2fd00cdbd45d2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":54256,"char_start":52659,"chunk_id":"chk_9016ec978f399402","chunk_index":31,"chunk_sha256":"5d4835dad2bc0fefccdbe9fd404860c77b49f3ee0266afe066f2fd00cdbd45d2","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"5d4835dad2bc0fefccdbe9fd404860c77b49f3ee0266afe066f2fd00cdbd45d2","token_estimate":400,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.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\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\n29. I have performed services regarding the subject property within the three years preceding the agreement to perform this assignment.\n\nDescription of Prior Services:\n\nAdditional Appraiser Certifications\n\nAdditional Appraiser Certifications cannot be contrary to the original Appraiser Certifications.\n1.\n\nSupervisory Appraiser Certifications\n\nThe Supervisory Appraiser certifies and agrees that:\n"}
diff --git a/chunks/json/5d4c002d53b226ba50348012362ea039dc683a35b8d64196946cf2716a9ffa63.json b/chunks/json/5d4c002d53b226ba50348012362ea039dc683a35b8d64196946cf2716a9ffa63.json
new file mode 100644
index 0000000000000000000000000000000000000000..5ec263fab08c3c7cb706a45b995425efda04162c
--- /dev/null
+++ b/chunks/json/5d4c002d53b226ba50348012362ea039dc683a35b8d64196946cf2716a9ffa63.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1730,"char_start":0,"chunk_id":"chk_2491e26a9a55c441","chunk_index":0,"chunk_sha256":"5d4c002d53b226ba50348012362ea039dc683a35b8d64196946cf2716a9ffa63","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e169cd9642b15146","text_sha256":"5d4c002d53b226ba50348012362ea039dc683a35b8d64196946cf2716a9ffa63","token_estimate":527,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Information_Quality___FHFA_9k6xws.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/about/information-quality\"\ndate_accessed: \"2026-01-27T17:47:55.378Z\"\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/5d530437fffc3f1c7249520dca6a442a89a0476919addaeecfaa7e03bdeae800.json b/chunks/json/5d530437fffc3f1c7249520dca6a442a89a0476919addaeecfaa7e03bdeae800.json
new file mode 100644
index 0000000000000000000000000000000000000000..a3aa7536fac271332c0254cd7f7d13c32e7aac05
--- /dev/null
+++ b/chunks/json/5d530437fffc3f1c7249520dca6a442a89a0476919addaeecfaa7e03bdeae800.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":334103,"char_start":332475,"chunk_id":"chk_07d7c95e481b6002","chunk_index":184,"chunk_sha256":"5d530437fffc3f1c7249520dca6a442a89a0476919addaeecfaa7e03bdeae800","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"5d530437fffc3f1c7249520dca6a442a89a0476919addaeecfaa7e03bdeae800","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":"The lender must represent and warrant that the property\n\n• does not have soundness or structural integrity issues;\n• does not have significant items of incomplete construction or renovation; and\n• meets Fannie Mae's property eligibility requirements (see SB2-3-01, General Property Eligibility).\n\nTo make these representations and warranties in the absence of an appraisal, the lender must examine the descriptive\ninformation and photo exhibits from the property data collection to determine whether the property meets the above\nrequirements.\n\nWhen the property data collection denotes items that potentially do not meet the eligibility requirements, the lender may need to\nobtain a professionally prepared report from a qualified professional to confirm the eligibility of the property and if repairs are\nrequired (well, septic, foundation, roof, electrical, mold, etc.). If repairs or alterations are necessary to bring the property into\ncompliance with Fannie Mae's eligibility requirements, the lender must provide satisfactory evidence and documentation\nshowing the condition has been corrected or completed prior to sale of the loan to Fannie Mae.\n\nSee Completion Report and Completion Alternatives in SB4-1.2-05, Requirements for Verifying Completion and Postponed\nImprovements for the applicable requirements to verify completion of repairs, alterations, or inspections.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 127 of 166\n\nUAD 3.6 Policy\n\nSB4-2.1-01, General Information on Project Standards (12/10/2025)\n\nIntroduction\n\nThis topic contains general information on Fannie Mae’s project standards, including:\n"}
diff --git a/chunks/json/5d570497df792029c11fc919c84644853a611379d158bbabd181f390a496f111.json b/chunks/json/5d570497df792029c11fc919c84644853a611379d158bbabd181f390a496f111.json
new file mode 100644
index 0000000000000000000000000000000000000000..d7b5d182c51ed61b8b69b070a06db8438dc41923
--- /dev/null
+++ b/chunks/json/5d570497df792029c11fc919c84644853a611379d158bbabd181f390a496f111.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":877,"char_start":0,"chunk_id":"chk_0e270665a16f46e3","chunk_index":0,"chunk_sha256":"5d570497df792029c11fc919c84644853a611379d158bbabd181f390a496f111","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_f2b1684fdc47123e","text_sha256":"5d570497df792029c11fc919c84644853a611379d158bbabd181f390a496f111","token_estimate":219,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/technology-manager-release-may-1-2020.pdf"]},"text":"Technology Manager Release Notes\n\nMay 1, 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 System IDs. Corporate and User Administrators* are now\nable to access this feature and perform the following actions:\n\n1. Create System IDs\n2. Manage Access for System IDs\n3. Unlock, Deactivate and Reactivate System IDs\n4. Change System ID Passwords (available since 4/3/2020)\n\n*User Administrators for Mortgage Broker-type organizations are those without a five-digit Seller/Servicer Number.\n\n© 2020 Fannie Mae 4.30.20 Page 1 of 1\n"}
diff --git a/chunks/json/5d57bf6b65ab91bf2c2edf66a8ce98a6391ffd4c5da2e8d180370a02e418579f.json b/chunks/json/5d57bf6b65ab91bf2c2edf66a8ce98a6391ffd4c5da2e8d180370a02e418579f.json
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index 0000000000000000000000000000000000000000..0452b80cb02ed54e12b336e3abccb3692ab65176
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+++ b/chunks/json/5d57bf6b65ab91bf2c2edf66a8ce98a6391ffd4c5da2e8d180370a02e418579f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":5041,"char_start":3430,"chunk_id":"chk_8f1ec80c770d023a","chunk_index":2,"chunk_sha256":"5d57bf6b65ab91bf2c2edf66a8ce98a6391ffd4c5da2e8d180370a02e418579f","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_99401d740d4c4f1e","text_sha256":"5d57bf6b65ab91bf2c2edf66a8ce98a6391ffd4c5da2e8d180370a02e418579f","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-release-aug-19-2023.pdf"]},"text":"Affordable LTV Message\n\nSelling Guide Announcement SEL-2023-04 updated requirements for loans that are part of shared equity transactions. The DU\nmessage that is issued on loans using the Affordable LTV feature will be updated to reflect these updates.\n\n© 2023 Fannie Mae.\n\n7.12.23\n\n2 of 3\n\nManufactured Homes with Temporary Interest Rate Buydowns\n\nSelling Guide Announcement SEL-2023-05 specified that Fannie Mae will now permit temporary interest rate buydowns on\nmanufactured homes. DU will no longer issue an Ineligible recommendation for these transactions.\n\nQualifying Rate Changes\n\nSelling Guide Announcement SEL-2023-05 updated the qualifying interest rate requirements for 7- and 10-year ARMs. For\nborrowers obtaining a 7- or 10-year ARM, DU will now calculate the qualifying payment using the note rate, instead of the greater\nof note rate and fully indexed rate.\n\nNote: The greater of the note rate and the fully indexed rate is still required for loans that are higher-priced mortgage loans\nor higher-priced covered transactions under Regulation Z. Those loans must be manually underwritten.\n\nMiscellaneous Message Text Changes\n\nTo continue to provide clarity and consistency with the Selling Guide, various DU messages will be updated.\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"}
diff --git a/chunks/json/5d5976462887de50b7806ff29dbec4184b06c8848d775f98b846d21063e06c7e.json b/chunks/json/5d5976462887de50b7806ff29dbec4184b06c8848d775f98b846d21063e06c7e.json
new file mode 100644
index 0000000000000000000000000000000000000000..4c2a0d2ddb94d6ecf15e1ed9ca58df4393d7b70f
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+{"chunk":{"char_end":1730,"char_start":0,"chunk_id":"chk_658f377e350a80a7","chunk_index":0,"chunk_sha256":"5d5976462887de50b7806ff29dbec4184b06c8848d775f98b846d21063e06c7e","date_utc":"2026-01-27T17:47:50+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_3c05547914d2d653","text_sha256":"5d5976462887de50b7806ff29dbec4184b06c8848d775f98b846d21063e06c7e","token_estimate":529,"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":"---\nsource_url: \"https://www.fhfa.gov/reports/house-price-index\"\ndate_accessed: \"2026-01-27T17:47:50.189Z\"\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/5d62828eb4117ef5b6d79d52565a8a732f47c36d03db3b71d3201cb09c1a565b.json b/chunks/json/5d62828eb4117ef5b6d79d52565a8a732f47c36d03db3b71d3201cb09c1a565b.json
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index 0000000000000000000000000000000000000000..50a4484ed4c88fd6be593b9e93a843eab0d24d4a
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+++ b/chunks/json/5d62828eb4117ef5b6d79d52565a8a732f47c36d03db3b71d3201cb09c1a565b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":53692,"char_start":53018,"chunk_id":"chk_63329e11436e42d7","chunk_index":83,"chunk_sha256":"5d62828eb4117ef5b6d79d52565a8a732f47c36d03db3b71d3201cb09c1a565b","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"5d62828eb4117ef5b6d79d52565a8a732f47c36d03db3b71d3201cb09c1a565b","token_estimate":545,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 258\n\nSubject Listing Information Exhibits ......................................................................................................................................................................................... 261\n\nSubject Listing Information – Arcrole Relationships ................................................................................................................................................................ 262\n"}
diff --git a/chunks/json/5d7c5c78ac74ccc51c2cc6d2ac77b53e1b9c63560f22168883e4b1afeec13cc2.json b/chunks/json/5d7c5c78ac74ccc51c2cc6d2ac77b53e1b9c63560f22168883e4b1afeec13cc2.json
new file mode 100644
index 0000000000000000000000000000000000000000..23c61b4c3d35465f798a7d32f04f7287d8d377a7
--- /dev/null
+++ b/chunks/json/5d7c5c78ac74ccc51c2cc6d2ac77b53e1b9c63560f22168883e4b1afeec13cc2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":44701,"char_start":43079,"chunk_id":"chk_214c169f08463de4","chunk_index":23,"chunk_sha256":"5d7c5c78ac74ccc51c2cc6d2ac77b53e1b9c63560f22168883e4b1afeec13cc2","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"5d7c5c78ac74ccc51c2cc6d2ac77b53e1b9c63560f22168883e4b1afeec13cc2","token_estimate":406,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"Action Taken Date (Loan Originated):\n\nAction Taken Date is an unchanged\nHMDA data element that reports the\naction, and the date the action was\ntaken.64 For the Enterprise data and\nPUDB purposes, the relevant HMDA\nAction Taken Date values are Loan\nOriginated and Purchased Loan\n(discussed below in Section II.B.2.ii.).65\nThe CFPB intends to withhold all\nAction Taken Dates from its public\ndataset since the exact dates could be\nused to match to other public datasets\nwith individually identifying\ninformation.66 However, the year of\norigination or year of purchase can\nalways be inferred from the CFPB’s\npublic dataset because it only contains\nloans that were originated or purchased\nin that year—e.g., the dataset with 2018\ndata only contains loans originated or\npurchased in 2018.\n\nThe current PUDB Single-Family\n\nNational File B includes a field for Date\nof Mortgage Note, which conforms with\nthe HMDA Loan Originated value. Date\nof Mortgage Note is modified in the\ncurrent PUDB to indicate whether the\nloan was originated in the same year it\nwas acquired, or in any prior year. This\nmodification conforms with the CFPB’s\nintended withholding of the month and\nday from its public dataset.\nAccordingly, Date of Mortgage Note will\nbe disclosed in the PUDB Single-Family\nCensus Tract File in the same manner,\nin conformance with the CFPB Privacy\nGuidance.67\n\n63 84 FR at 656.\n64 12 CFR 1003.4(a)(8)(i)(A) and (ii). The PUDB\n\ncombines Action Taken and Action Taken Date\nsince there is only one possible action by the\nEnterprises (purchase) and there are two available\ndates in the Enterprise data (origination and\npurchase).\n"}
diff --git a/chunks/json/5d86d89c7a23f0b602f3a18ff0345dd3ba21855033d76981ddac575c997c2329.json b/chunks/json/5d86d89c7a23f0b602f3a18ff0345dd3ba21855033d76981ddac575c997c2329.json
new file mode 100644
index 0000000000000000000000000000000000000000..f263b0a1bf2ae10fb797741e8236bc175704b52b
--- /dev/null
+++ b/chunks/json/5d86d89c7a23f0b602f3a18ff0345dd3ba21855033d76981ddac575c997c2329.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":20447,"char_start":18440,"chunk_id":"chk_589927c763158c89","chunk_index":8,"chunk_sha256":"5d86d89c7a23f0b602f3a18ff0345dd3ba21855033d76981ddac575c997c2329","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"5d86d89c7a23f0b602f3a18ff0345dd3ba21855033d76981ddac575c997c2329","token_estimate":502,"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 7 of 76\n\nSection V. Resources\n\nShared use of the MISMO standard will enable both GSEs to better capture consistent and\naccurate data for the loans that are submitted for purchase and/or securitization by:\n\na. Reducing ambiguities in the types and definitions of data elements required for selling\n\nloans to the GSEs,\n\nb. Enabling collection of additional data at a more granular level that will provide market\n\nparticipants with an increased, common understanding of loan data,\n\nc. Allowing for easier collection of new data in the future, and\n\nd. Establishing a foundation set of mortgage data that can be easily used by lenders for\n\nother purposes throughout the loan life cycle.\n\nD. Overview of ULDDS and ULDD Documentation\n\n1. Uniform Loan Delivery Data Specification\n\nThe GSEs released the ULDDS on June 8, 2010. The ULDDS defines and documents\nthe GSEs’ shared use of a subset of the V3.0 Reference Model.\n\na. Appendix A - XML Data Requirements\n\nAppendix A to the ULDDS (ULDDS Appendix A) is the key document within the\nULDDS package. ULDDS Appendix A (also referred to as the “joint loan delivery\ndataset”) identifies and defines the shared GSE loan delivery data specification,\nincluding the list of required data elements (known as “data points”), their\ndefinitions, and format types. The data point names, definitions and format types\nare dictated by (and identical to) Version 3.0 of the MISMO Logical Data\nDictionary (LDD).\n\nULDDS Appendix A also documents the GSEs’ shared requirements for\nsubmission of each data point, providing guidance on the business condition\ngoverning when the data must be sent (conditionality), and detailed format and\nusage instructions. In some cases, each GSE’s underlying business policy and\nprocedures dictate that the conditionality of a given data point differs depending on\nwhich GSE is to receive it.\n"}
diff --git a/chunks/json/5d8ca208ea74f05b13386418407b11a9d65686fd447836a56241ad71f9b867db.json b/chunks/json/5d8ca208ea74f05b13386418407b11a9d65686fd447836a56241ad71f9b867db.json
new file mode 100644
index 0000000000000000000000000000000000000000..9841859fa539a43cc19fba291cd985bc7b3c27b6
--- /dev/null
+++ b/chunks/json/5d8ca208ea74f05b13386418407b11a9d65686fd447836a56241ad71f9b867db.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12310,"char_start":11818,"chunk_id":"chk_92d923f8a58f9c64","chunk_index":8,"chunk_sha256":"5d8ca208ea74f05b13386418407b11a9d65686fd447836a56241ad71f9b867db","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"5d8ca208ea74f05b13386418407b11a9d65686fd447836a56241ad71f9b867db","token_estimate":455,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"MISMO XML Version 3.6 ........................................................................................................................................................................................................................ 28\n\nData format types .................................................................................................................................................................................................................................... 28\n"}
diff --git a/chunks/json/5d8e38fc8e1c26264907b22a943ebe31cdd30c2510751570295c82d6ac57c40c.json b/chunks/json/5d8e38fc8e1c26264907b22a943ebe31cdd30c2510751570295c82d6ac57c40c.json
new file mode 100644
index 0000000000000000000000000000000000000000..9506dc484a974c21932a9502489a0e1a46f108d4
--- /dev/null
+++ b/chunks/json/5d8e38fc8e1c26264907b22a943ebe31cdd30c2510751570295c82d6ac57c40c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":47480,"char_start":45637,"chunk_id":"chk_c3b14d3dfb29b661","chunk_index":25,"chunk_sha256":"5d8e38fc8e1c26264907b22a943ebe31cdd30c2510751570295c82d6ac57c40c","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"5d8e38fc8e1c26264907b22a943ebe31cdd30c2510751570295c82d6ac57c40c","token_estimate":461,"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 15 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nOverview\n\nImpact (Adverse, Beneficial, or Neutral)\n\nImpact is reported as discrete data in the sections listed below.\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nImpact\n\nAdverse\n\nBeneficial\n\nNeutral\n\n• Site\n\nThe market reaction has a negative impact on the property’s value or marketability.\n\nThe market reaction has a positive impact on the property’s value or marketability.\n\nNo measurable market impact on the property’s value or marketability.\n\nNote: Neutral does not mean equal to other properties. For example, if the subject and all comparables have the same\nview, that does not necessarily mean that Impact is Neutral.\n\no Zoning (4.012)\no Site Influence (4.028)\no View and Impact to Value/Marketability (4.041)\no Site Features and Impact to Value/Marketability (4.045, 4.048, 4.052, 4.056, 4.060, 4.064)\no Private Utility Impact in Utilities and Impact to Value/Marketability (4.073, 4.079, 4.085, 4.091,\n\n4.097)\n\n• Energy Efficient and Green Features\n\no Energy Efficient and Green Features Impact to Value/Marketability (6.014)\n\n• Project Information\n\no Project Factors and Impact to Value/Marketability (18.074 – 18.083)\n\nDefects, Damages, Deficiencies\n\nThe appraiser must report any significant items and associate any defect, damage, or deficiency with the most\nappropriate section of the URAR. These defects, damages, and deficiencies are items that:\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\n"}
diff --git a/chunks/json/5d97a6fb79a5b6f6281fa7a2cdb6c3064fd1d7ce569707115e11dba14657f27d.json b/chunks/json/5d97a6fb79a5b6f6281fa7a2cdb6c3064fd1d7ce569707115e11dba14657f27d.json
new file mode 100644
index 0000000000000000000000000000000000000000..9f7d90b7df6f4f73a34dbc8001d72efc2d892aff
--- /dev/null
+++ b/chunks/json/5d97a6fb79a5b6f6281fa7a2cdb6c3064fd1d7ce569707115e11dba14657f27d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":654976,"char_start":653371,"chunk_id":"chk_e5b82998afd93e70","chunk_index":387,"chunk_sha256":"5d97a6fb79a5b6f6281fa7a2cdb6c3064fd1d7ce569707115e11dba14657f27d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5d97a6fb79a5b6f6281fa7a2cdb6c3064fd1d7ce569707115e11dba14657f27d","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Page 121 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\n477\n\n3\n\n130\n\nRECONCILIATIO\nN\n\nThe appraisal is made “subject\nto the following required\ninspection”\n\nValuation\nReconciliation\nCondition Of\nAppraisal Type\n\nSpecifies the appraisal's conclusion's\ndependency on future repairs or activities.\n\n/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/_CONDITION\n_OF_APPRAISAL[@_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 populated\nfor each box that is checked.\n\n478\n\n3\n\n131\n\nRECONCILIATIO\nN\n\nComment Area\n\nValuation\nReconciliation\nConditions\nComment\n\nA free-form text field used to summarize\nand clarify the conditions of the subject\nproperty upon which its valuation is\nbased.\n\n/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/@_Conditions\nComment\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\n479\n\n3\n\n132\n\nRECONCILIATIO\nN\n\nMarket Value\n\nProperty Appraised\nValue Amount\n\nStatement of property's value from a valid\nproperty valuation source.\n\n/VALUATION_RESPONSE/VALUATION/@PropertyAppraisedValueAmount\n\n12\n\nMoney\n\n480\n\n3\n\n133\n\nRECONCILIATIO\nN\n\nAs of (Effective Date)\n"}
diff --git a/chunks/json/5da827916c8eac7daf2dca31eaecd379d47c641bf710ddeb55a13950208de524.json b/chunks/json/5da827916c8eac7daf2dca31eaecd379d47c641bf710ddeb55a13950208de524.json
new file mode 100644
index 0000000000000000000000000000000000000000..22c313abbf93b6fbfd9a914855aa37225f84d568
--- /dev/null
+++ b/chunks/json/5da827916c8eac7daf2dca31eaecd379d47c641bf710ddeb55a13950208de524.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":626670,"char_start":624889,"chunk_id":"chk_65bf22fbe23e0414","chunk_index":360,"chunk_sha256":"5da827916c8eac7daf2dca31eaecd379d47c641bf710ddeb55a13950208de524","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"5da827916c8eac7daf2dca31eaecd379d47c641bf710ddeb55a13950208de524","token_estimate":446,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"10. 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\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\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\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/5dab85be1a9b862d47dd908adbac581145605dbfc0756cb96bda1034ea01e34b.json b/chunks/json/5dab85be1a9b862d47dd908adbac581145605dbfc0756cb96bda1034ea01e34b.json
new file mode 100644
index 0000000000000000000000000000000000000000..f0e4cb5c18e6c73180d8ce25d8e8a504dfffebba
--- /dev/null
+++ b/chunks/json/5dab85be1a9b862d47dd908adbac581145605dbfc0756cb96bda1034ea01e34b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1904,"char_start":0,"chunk_id":"chk_a5bc8e6463f6284e","chunk_index":0,"chunk_sha256":"5dab85be1a9b862d47dd908adbac581145605dbfc0756cb96bda1034ea01e34b","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_9ac00110bb723006","text_sha256":"5dab85be1a9b862d47dd908adbac581145605dbfc0756cb96bda1034ea01e34b","token_estimate":476,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-release-jan-24-2026.pdf"]},"text":"DU for Government Loans Release Notes\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\nFHA Loan Limits\n\nFHA county loan limits are applied by the FHA TOTAL mortgage scorecard, so a DU update is not required for FHA’s 2026 county\nloan limit updates.\n\nHowever, in cases where a property county cannot be determined, DU applies the FHA National Low Cost Area Limit, and the FHA\nNational Low Cost Area Limit amounts will be updated in DU as part of this release to reflect the new values. In these cases, DU\nwill display the 2025 limit on FHA loan casefiles submitted or resubmitted prior to the weekend of Jan. 24 where a property\ncounty cannot be determined, regardless of Agency Case Number assignment date. For FHA loan casefiles submitted or\nresubmitted on or after the weekend of Jan. 24 where a property county cannot be determined, DU will display the 2026 FHA\nNational Low Cost Area Limit, regardless of Agency Case Number assignment date. Lenders are responsible for verifying that the\ncorrect limit is applied when determining eligibility.\n\nVA 2026 County Loan Limit Changes\n\nThe 2026 county loan limits are available on VA’s website.\n\nVA loan casefiles submitted or resubmitted prior to the weekend of Jan. 24 will be underwritten using the 2025 VA county loan\nlimits. All VA loan casefiles submitted or resubmitted on or after the weekend of Jan. 24 will be underwritten using the 2026 VA\ncounty loan limits. Because the 2026 VA county loan limits will not be implemented on the date they are in effect, lenders are\nresponsible for ensuring that the correct VA county loan limit is applied to all VA loans underwritten through DU from Jan. 1\nthrough Jan. 24.\n"}
diff --git a/chunks/json/5db268c339c7817fd819ab1d9e3f3a30019d5ca2a117d41c46de51c70dd051ea.json b/chunks/json/5db268c339c7817fd819ab1d9e3f3a30019d5ca2a117d41c46de51c70dd051ea.json
new file mode 100644
index 0000000000000000000000000000000000000000..48ce81498c3a10015f8f506b945d524b7a003506
--- /dev/null
+++ b/chunks/json/5db268c339c7817fd819ab1d9e3f3a30019d5ca2a117d41c46de51c70dd051ea.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10437,"char_start":8763,"chunk_id":"chk_28f1c062120b3f88","chunk_index":5,"chunk_sha256":"5db268c339c7817fd819ab1d9e3f3a30019d5ca2a117d41c46de51c70dd051ea","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d219a2955dbc105a","text_sha256":"5db268c339c7817fd819ab1d9e3f3a30019d5ca2a117d41c46de51c70dd051ea","token_estimate":419,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fair_Lending_Data___FHFA_12qo7.md"]},"text":"The data are provided for public transparency and to promote fair lending, but do not by themselves prove or disprove unlawful discrimination.\n\n## Statistics Reported\n\nThe *accept rate* represents the proportion of applicants who were approved by the AUS and whose loans are eligible for purchase based on their credit characteristics. It does not represent final credit decisions concerning applicants, which are made by lenders. The accept rate is influenced by the population of borrowers applying for mortgage credit. The number borrowers who are submitted to the AUS is constantly changing and fluctuates with changes in market interest rates, affordability, household formation, lender selection, and other market factors. Additionally, lenders may use one or both AUS systems to assess an applicant.\n\nThe *accept rate gap* represents the raw difference between the protected class accept rate and the comparison group (Non-Hispanic white) accept rate. The *accept rate ratio* represents the protected class accept rate divided by the comparison group accept rate. These statistics help FHFA to assess the impact of changes in the population applying for credit and policy changes in the AUS.\n\nLoans that are accepted by the AUS and originated by lender may or may not result in an Enterprise loan acquisition, or funding. Enterprise loan acquisitions are influenced by a variety of factors such as the lender’s propensity to securitize or retain loans on the balance sheet, pricing and execution, as well as other economic variables. Loan acquisition data are displayed by race and ethnicity along with the proportion (or share) of loan acquisitions for that quarter.\n"}
diff --git a/chunks/json/5dba519cd9de25189f9f2c49c235af69f655048329df35ab23be2327dac99b4a.json b/chunks/json/5dba519cd9de25189f9f2c49c235af69f655048329df35ab23be2327dac99b4a.json
new file mode 100644
index 0000000000000000000000000000000000000000..b6efe450b727e28cd055e4afe3e8986e322deb1d
--- /dev/null
+++ b/chunks/json/5dba519cd9de25189f9f2c49c235af69f655048329df35ab23be2327dac99b4a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10904,"char_start":9318,"chunk_id":"chk_89983a4588fb013e","chunk_index":5,"chunk_sha256":"5dba519cd9de25189f9f2c49c235af69f655048329df35ab23be2327dac99b4a","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_93274c1ae641603b","text_sha256":"5dba519cd9de25189f9f2c49c235af69f655048329df35ab23be2327dac99b4a","token_estimate":396,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Single_Family_Guarantee_Fees_Report___U_S__FEDERAL_88840q.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"}
diff --git a/chunks/json/5dcaae922f2d1b4cd0c82b09f1da10a0465dc40d2ba3387ede3081f42ef41aa8.json b/chunks/json/5dcaae922f2d1b4cd0c82b09f1da10a0465dc40d2ba3387ede3081f42ef41aa8.json
new file mode 100644
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diff --git a/chunks/json/5df2756fb91fd2711742d0ef13d02c0f2511551734682b06ddc698a408cc3a0b.json b/chunks/json/5df2756fb91fd2711742d0ef13d02c0f2511551734682b06ddc698a408cc3a0b.json
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+{"chunk":{"char_end":159992,"char_start":158387,"chunk_id":"chk_b33103460831bb91","chunk_index":93,"chunk_sha256":"5df2756fb91fd2711742d0ef13d02c0f2511551734682b06ddc698a408cc3a0b","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5df2756fb91fd2711742d0ef13d02c0f2511551734682b06ddc698a408cc3a0b","token_estimate":401,"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 1-188 (Amenity Count) is greater than\nzero.\n\nString\n\nPDF Display Format:\nWhole numbers only.\n\nIf none, then zero (0) must be entered.\n\nBoolean\n\nA value of 'Y' indicates a fence exists, a value of 'N' indicates the box is not\nchecked.\n\nString\n\nUAD Instruction - Refer to Appendix D Improvements Section\nThis field should contain a description of the fence. If there is no fence indicate\n'None'\n\nThis field should be populated if the value\nindicated in field 1-190 (Amenity Detailed\nDescription) is not equal to 'None'\n\nBoolean\n\nA value of 'Y' indicates a porch exists, a value of 'N' indicates the box is not\nchecked.\n\nThis field should be populated if the value\nindicated in field 1-192 is not equal to 'None'\n\nString\n\nUAD Instruction - Refer to Appendix D Improvements Section\nThis field should contain a description of the porch. If no porch indicate\n'None'.\n\nBoolean\n\nA value of 'Y' indicates an other amenity exists, a value of 'N' indicates the box\nis not checked.\n\nThis field should have a value of 'Y' if the\nvalue indicated in field 1-194 (Amenity Type\nOther Description) is not equal to 'None'\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\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 45 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"}
diff --git a/chunks/json/5df2989d2d44c81ffa626e571261ca44ca85f9e7129a6ba9fcae7fa8acc3d128.json b/chunks/json/5df2989d2d44c81ffa626e571261ca44ca85f9e7129a6ba9fcae7fa8acc3d128.json
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+{"chunk":{"char_end":21202,"char_start":19589,"chunk_id":"chk_9a50ab79a54a5350","chunk_index":12,"chunk_sha256":"5df2989d2d44c81ffa626e571261ca44ca85f9e7129a6ba9fcae7fa8acc3d128","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"5df2989d2d44c81ffa626e571261ca44ca85f9e7129a6ba9fcae7fa8acc3d128","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":"Search Result Metrics\n\nActive Listings\n\nMedian Days on Market\nLowest List Price\nMedian List Price\nHighest List Price\n\nPending Sales\n\n8\n44\n$550,000\n$875,000\n$1,450,000\n2\n\nSales in Past 12 Months\n\nLowest Sale Price\nMedian Sale Price\nHighest Sale Price\n\nDistressed Market Competition\nPrice Trend Source\n\n32\n$535,000\n$850,000\n$1,350,000\nNo\nBlank Gazette\n\nPrice Trend Analysis Commentary The subject is located in a suburban area where there has not been a robust sales market for new\nconstruction within a golf community. To develop a reasonable price trend there was a need to go back 12 months to review enough activity\nto develop a market trend. The inventory remains low to moderate, and homes are selling in less than 60 days on average.\n\nHousing Trends\n\nDemand/Supply\n\nMarket Commentary\n\nIn Balance\n\nMarketing Time\n\nUnder 3 Months\n\nThe subject is located in a golf course community so comparable selection focused on properties with similar influences. The subject is\nconsidered a site condominium, which means the dwelling is maintained by the owner, the land is not owned in common, but the legal\ndescription has an undivided interest. These property types are somewhat unique so finding sales with the same ownership rights is more\nlimited. There is no measurable impact to marketability within this area.\n\nProject Information\n\nPlanned Unit Development (PUD) \n\nCondominium \n\nCooperative \n\nCondop \n\nYes No\n \n\n \n \n\nProject Name\nProject Information Data Source Assessor Record\n\nGrammy Gold\n\nProject Completeness\n\nAre units, common areas, and amenities in project\ncomplete?\nConverted in Past 3 Years\n"}
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diff --git a/chunks/json/5e046bc23ee7c73c6c1986518c47fc029c61c71ac7a68a929dc7540470e7babc.json b/chunks/json/5e046bc23ee7c73c6c1986518c47fc029c61c71ac7a68a929dc7540470e7babc.json
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+{"chunk":{"char_end":1085339,"char_start":1083673,"chunk_id":"chk_c3cd76fb869b07c9","chunk_index":645,"chunk_sha256":"5e046bc23ee7c73c6c1986518c47fc029c61c71ac7a68a929dc7540470e7babc","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5e046bc23ee7c73c6c1986518c47fc029c61c71ac7a68a929dc7540470e7babc","token_estimate":417,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"154\n\n155\n\n156\n\n157\n\nIMPROVEMENTS\n\nIMPROVEMENTS\n\nIMPROVEMENTS\n\nIMPROVEMENTS\n\nExterior Description\nExterior Walls\nExterior Description\nRoof Surface\nExterior Description\nGutters and Downspouts\nExterior Description\nWindow Type\n\n158\n\nIMPROVEMENTS\n\n159\n\nIMPROVEMENTS\n\n160\n\nIMPROVEMENTS\n\nHeating\nFWA\n\nHeating\nHWBB\n\nHeating\nRadiant\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_A\nNALYSIS/STRUCTURE_ANALYSIS_EXTENSION/STRUCTURE_ANA\nLYSIS_EXTENSION_SECTION[@ExtensionSectionOrganizationName='\nUNIFORM APPRAISAL\nDATASET']/STRUCTURE_ANALYSIS_EXTENSION_SECTION_DATA\n/EFFECTIVE_AGE/@GSEEffectiveAgeDescription\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/FOUNDATION[\n@_Type='Slab']/@_ExistsIndicator\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/FOUNDATION[\n@_Type='Crawlspace']/@_ExistsIndicator\n\nIndicates that there is a foundation.\n\nIndicates that there is a foundation.\n\nIndicates that there is a foundation.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/FOUNDATION[\n@_Type='Basement']/@_ExistsIndicator\n\nIndicates that the basement is finished.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE[FOUNDATION[\n@_Type='Basement']]/BASEMENT[@_FinishedIndicator='Y']\n\nIndicates that there is a foundation.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/FOUNDATION[\n@_Type='PartialBasement']/@_ExistsIndicator\n\nIndicates that the basement is finished.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE[FOUNDATION[\n@_Type='PartialBasement']]/BASEMENT[@_FinishedIndicator='Y']\n\nA free-form text field used to describe the\nexterior feature.\nA free-form text field used to describe the\nexterior feature.\nA free-form text field used to describe the\nexterior feature.\nA free-form text field used to describe the\nexterior feature.\n"}
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+{"chunk":{"char_end":1110201,"char_start":1108598,"chunk_id":"chk_9214e6cf1f1f3e94","chunk_index":659,"chunk_sha256":"5e1e358e452905a4eb3158ddf55457db895742d35332165729a3cac4ea1274c9","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5e1e358e452905a4eb3158ddf55457db895742d35332165729a3cac4ea1274c9","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUI\nPMENT[@_Type='Refrigerator']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUI\nPMENT[@_Type='RangeOven']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUI\nPMENT[@_Type='Dishwasher']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUI\nPMENT[@_Type='Disposal']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUI\nPMENT[@_Type='Microwave']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUI\nPMENT[@_Type='WasherDryer']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUI\nPMENT[@_Type='Other']@_ExistsIndicator\n\n201\n\nIMPROVEMENTS\n\nFinished Area Above Grade\nContains\nRooms\n\nTotal Room Count\n\nSpecifies the total number of livable\nrooms.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@TotalRoomCou\nnt\n\n202\n\nIMPROVEMENTS\n\nFinished Area Above Grade\nContains\nBedrooms\n\nTotal Bedroom\nCount\n\nSpecifies the total number of bedrooms.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@TotalBedroom\nCount\n\n210\n\n1\n\n203\n\nIMPROVEMENTS\n\nFinished Area Above Grade\nContains\nBath(s)\n\nTotal Bathroom\nCount\n\nSpecifies the total number of bathrooms.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@TotalBathroom\nCount\n\n8\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\nEnumerated\n\nBoolean\n\nA value of 'Y' indicates there is a refrigerator. A value of 'N' indicates the box was\nnot checked.\n\nBoolean\n\nA value of 'Y' indicates there is a range/oven. A value of 'N' indicates the box was\nnot checked.\n\nBoolean\n\nA value of 'Y' indicates there is a dishwasher. A value of 'N' indicates the box was\nnot checked.\n"}
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+{"chunk":{"char_end":647003,"char_start":645619,"chunk_id":"chk_d14e521335da7f3b","chunk_index":382,"chunk_sha256":"5e26c741aef19112c337f784f21234ff38ce9a4b6a23f8bcae3c6344de5adf0d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5e26c741aef19112c337f784f21234ff38ce9a4b6a23f8bcae3c6344de5adf0d","token_estimate":409,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"CR\n\nCR\n\nCR\n\nR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nString\n\nThis is a free text field which should describe any porch, patio, or deck.\n\nT\n\nT\n\nT\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum of this field 3-107 and fields\n(3-60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-\n72, 3-74, 3-76, 3-78, 3-80, 3-82, 3-84,\n3-86, 3-87, 3-91, 3-93, 3-95, 3-97, 3-\n99, 3-101, 3-103, 3-105, 3-109, 3-111)\nmust add up to Net Adjustment field 3-\n116.\n\nCR\n\nCR\n\nCR\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 120 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\nIf field 3-44 is populated, then this field\nshould be populated.\n\nT\n\nT\n\nT\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum of this field 3-109 and fields\n(3-60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-\n72, 3-74, 3-76, 3-78, 3-80, 3-82, 3-84,\n3-86, 3-87, 3-91, 3-93, 3-95, 3-97, 3-\n99, 3-101, 3-103, 3-105, 3-107, 3-111)\nmust add up to Net Adjustment field 3-\n116.\n"}
diff --git a/chunks/json/5e29f1b7ca1fe8673e9c4001e3fa405dba64370e8b8daaf66727e6309dd14e0e.json b/chunks/json/5e29f1b7ca1fe8673e9c4001e3fa405dba64370e8b8daaf66727e6309dd14e0e.json
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index 0000000000000000000000000000000000000000..4311e28ca6b6f7b046cb5b148cf382a83459ecda
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@@ -0,0 +1 @@
+{"chunk":{"char_end":13072,"char_start":10468,"chunk_id":"chk_29ef8c18f1c1cd89","chunk_index":6,"chunk_sha256":"5e29f1b7ca1fe8673e9c4001e3fa405dba64370e8b8daaf66727e6309dd14e0e","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_beba9914f90d78e7","text_sha256":"5e29f1b7ca1fe8673e9c4001e3fa405dba64370e8b8daaf66727e6309dd14e0e","token_estimate":771,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Data_Governance_Resources___FHFA_6s4y4.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\\/27411\",\"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/5e4bc8c6e7ebb2bb51bd0fd9ad93be3f6de97c33ea525f883281bbd593c56805.json b/chunks/json/5e4bc8c6e7ebb2bb51bd0fd9ad93be3f6de97c33ea525f883281bbd593c56805.json
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+{"chunk":{"char_end":25801,"char_start":24256,"chunk_id":"chk_d9dca25db9e52a1e","chunk_index":13,"chunk_sha256":"5e4bc8c6e7ebb2bb51bd0fd9ad93be3f6de97c33ea525f883281bbd593c56805","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_9a8b7dcd848f50e9","text_sha256":"5e4bc8c6e7ebb2bb51bd0fd9ad93be3f6de97c33ea525f883281bbd593c56805","token_estimate":446,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Technology_Integration_Resources___Fannie_Mae.md"]},"text":"##### Release Notes\n\n- [UCDP Change Notification | April 9, 2020](/media/document/pdf/ucdp-change-notification-april-9-2020)\n - [UCDP Change Notification | August 20, 2020](/media/document/pdf/ucdp-change-notification-august-20-2019)\n - [UCDP Change Notification | July 14, 2018](/media/document/pdf/ucdp-change-notification-july-14-2018)\n\nUniform Loan Delivery Dataset (ULDD)\n\n##### Data Standards File Formats Specification\n\n- [ULDD Specification (Excel)](/media/document/xlsx/uldd-specification-appendix-d)\n\n##### Data Standards Supporting Resources\n\n- [MISMO V. 3.0 and ULDD Specification (ULDDS) User Guide](/media/document/pdf/mismo-v-30-and-uldd-specification-uldds-user-guide)\n- [MISMO V. 3.0 Reference Model with GSE Extensions (.zip)](/media/document/zip/mismo-v-30-reference-model-gse-extensions-zip-appendix-e)\n- [ULDD Implementation Guide](/media/document/pdf/uldd-implementation-guide)\n- [Standard ARM Plan Matrix](/media/document/pdf/standard-arm-plan-matrix)\n- [Special Feature Codes](/media/document/pdf/special-feature-codes)\n- [Wire Instruction Reference Identifier Guide (TSPs)](/media/document/pdf/wire-instruction-reference-identifier-guide-tsps)\n\n##### Integration Impact Memos\n\n- [ULDD Integration Impact Memo | Nov. 18, 2024](/media/document/pdf/uldd-integration-impact-memo-nov-18-2024)\n - [ULDD Integration Impact Memo | Jan. 31, 2024](/media/document/pdf/uldd-integration-impact-memo-jan-31-2024)\n - [ULDD Integration Impact Memo | Dec. 15, 2023](/media/document/pdf/uldd-integration-impact-memo-dec-15-2023)\n"}
diff --git a/chunks/json/5e6402ee524ccb9aed24700ccbc2e03e54b0beacf874fe7559e2a3603c92d540.json b/chunks/json/5e6402ee524ccb9aed24700ccbc2e03e54b0beacf874fe7559e2a3603c92d540.json
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+{"chunk":{"char_end":730460,"char_start":728855,"chunk_id":"chk_85d9376e8e7cc21a","chunk_index":435,"chunk_sha256":"5e6402ee524ccb9aed24700ccbc2e03e54b0beacf874fe7559e2a3603c92d540","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"5e6402ee524ccb9aed24700ccbc2e03e54b0beacf874fe7559e2a3603c92d540","token_estimate":401,"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 326 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n26 Reconciliation\n\nExamples: Client Requested Conditions\n\nExample 1:\n\nExample 2:\n\nAppendix F-1: URAR Reference Guide\n\nPage 327 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n26 Reconciliation\n\nInformation for each Client-Requested Condition\n\nEnter a row and define each client-requested condition or restriction.\n\nReconciliation: Client Requested Conditions\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n26.014 Value Condition Required for each\n\nclient-requested\ncondition\n\n26.015 Marketing or\n\nExposure Time\n\nRequired for each\nclient-requested\ncondition\n\n26.016 Duration\n\n26.017 Alternate\n\nOpinion of Value\n\nRequired for each\nclient-requested\ncondition\n\nRequired for each\nclient-requested\ncondition\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from\ntable (Value\nCondition)\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nNumber of days or\nrange of days\n\nDefinition / Additional Guidance\n\n•\n•\n•\n•\n\nAs Is\nSubject to Completion Per Plans\nSubject to Inspection\nSubject to Repair\n\nEither the marketing or exposure time supporting the Alternate Opinion of\nValue and Value Condition for the indicated client-requested condition.\n•\n\nClient-Imposed Restricted Marketing Time (marketing time provided by\nclient). Example: 0-30 days, also referred to as a “quick sale”.\nReasonable Exposure Time (appraiser-defined).\n\n•\nNote: If the client has requested both a marketing and exposure time, enter\neach of them on separate rows.\n\nThe total number of days indicated.\n"}
diff --git a/chunks/json/5e66e662d0ab61ac5bee0e271a2e091f35b8834047c693471e7ccadcfdadf728.json b/chunks/json/5e66e662d0ab61ac5bee0e271a2e091f35b8834047c693471e7ccadcfdadf728.json
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+{"chunk":{"char_end":15574,"char_start":13813,"chunk_id":"chk_e2ec724c02fea2d1","chunk_index":8,"chunk_sha256":"5e66e662d0ab61ac5bee0e271a2e091f35b8834047c693471e7ccadcfdadf728","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7b5579c3b7f547d3","text_sha256":"5e66e662d0ab61ac5bee0e271a2e091f35b8834047c693471e7ccadcfdadf728","token_estimate":438,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Dashboards___FHFA_t6nioe.md"]},"text":"[View More](/data/dashboard/dts/high-needs-counties-map/2025)\n\n- ## Duty to Serve 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\n[View More](/data/dashboard/dts/multifamily/2024)\n\n- ## Enterprise Multifamily Public Use Database (MF PUDB) Aggregate Statistics Dashboard\n\nInteractive data visualization tools for displaying the data published in the MF PUDB. The Aggregate Statistics in the Dashboard are created from the three Multifamily PUDB datasets. Users can interactively create, analyze, and export custom charts and data tables. The Dashboard provides users a way to generate statistics derived from the MF PUDB files without the need to download PUDB data files and import them into statistical software for further analysis.\n\n[View More](/data/dashboard/enterprise-multifamily-public-use-database)\n\n- ## Enterprise Single-Family Public Use Database Dashboard\n\nThe Enterprise Single-Family Public Use Database (PUDB) Dashboard provides users an interactive way to generate and visualize Enterprise PUDB data from single-family mortgages that Fannie Mae and Freddie Mac acquire.\n\n[View More](/data/dashboard/enterprise-single-family-public-use-database)\n\n- ## FHFA HPI® County Map\n\nA map displaying annual house price appreciation rates at the county level. Based on a developmental all-transactions index. Indexes are constructed on a yearly basis to provide data for very small geographic areas. Minor adjustments were made to produce more localized measures.\n"}
diff --git a/chunks/json/5e6f830c1bf24dd38fa210d4eaf487a740b982b6c3b65d36f66b2433bd3a3373.json b/chunks/json/5e6f830c1bf24dd38fa210d4eaf487a740b982b6c3b65d36f66b2433bd3a3373.json
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+{"chunk":{"char_end":13744,"char_start":12177,"chunk_id":"chk_52c4a928765a2587","chunk_index":7,"chunk_sha256":"5e6f830c1bf24dd38fa210d4eaf487a740b982b6c3b65d36f66b2433bd3a3373","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_706b45ae4b661a92","text_sha256":"5e6f830c1bf24dd38fa210d4eaf487a740b982b6c3b65d36f66b2433bd3a3373","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Research___FHFA_s62wbf.md"]},"text":"In 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 - 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 - [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=15)\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/5e70c1286f54d35c121a2235cb0a0779bc54b3545f0cc5a39b2514bc5b25229d.json b/chunks/json/5e70c1286f54d35c121a2235cb0a0779bc54b3545f0cc5a39b2514bc5b25229d.json
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+{"chunk":{"char_end":33409,"char_start":31690,"chunk_id":"chk_f75cc2ddc652721a","chunk_index":19,"chunk_sha256":"5e70c1286f54d35c121a2235cb0a0779bc54b3545f0cc5a39b2514bc5b25229d","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"5e70c1286f54d35c121a2235cb0a0779bc54b3545f0cc5a39b2514bc5b25229d","token_estimate":429,"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":"Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 22 of 30\nPage 22 of 30\n\nSales Comparison Approach (continued)\n\nPG BRK\n\nSales Comparison Map\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 23 of 30\nPage 23 of 30\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\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$459,500\n\n$154,500\n$23,500\n$31,500\n$250,000\n\nDepreciated Cost - Dwelling\n\nAbove Grade Finished Area\n\n1,568 Sq. Ft. @ $95.66\n\nTotal Depreciation\n\nManufactured Home Delivery,\nInstallation, and Setup\n\nRemaining Economic Life\nEffective Age\n\n45 years\n0\n\n$150,000\n\n$0\n\n$4,500\n\nTotal\n\n$154,500\n\nCommentary on Effective Age Subject property dwelling is a new manufactured home.\n\nDepreciated Cost - Outbuilding - Barn\n\nUnfinished Area\n\nTotal Depreciation\n\n800 Sq. Ft. @ $18.75\n\nDepreciated Cost - Outbuilding - Rec Room/Garage\n\nGarage\n\nFinished Area\n\nTotal Depreciation\n\n700 Sq. Ft. @ $22.22\n\n200 Sq. Ft. @ $47.23\n\n$15,000\n\n$(9,000)\n\n$6,000\n\n$15,554\n\n$9,446\n\n$(7,500)\n\n$17,500\n\nTotal\n\nTotal\n\nAppraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024\n"}
diff --git a/chunks/json/5e93b5e1c87f91098482a8ad18918e00ed2cb009ea6e303dc8148e547ab97be5.json b/chunks/json/5e93b5e1c87f91098482a8ad18918e00ed2cb009ea6e303dc8148e547ab97be5.json
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index 0000000000000000000000000000000000000000..ba19f1dee4b61c124f8766811367786c78788d3f
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+++ b/chunks/json/5e93b5e1c87f91098482a8ad18918e00ed2cb009ea6e303dc8148e547ab97be5.json
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+{"chunk":{"char_end":103527,"char_start":101928,"chunk_id":"chk_e2d1ff3a0df287d0","chunk_index":61,"chunk_sha256":"5e93b5e1c87f91098482a8ad18918e00ed2cb009ea6e303dc8148e547ab97be5","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"5e93b5e1c87f91098482a8ad18918e00ed2cb009ea6e303dc8148e547ab97be5","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"This is where the photo\nof 123 Something Pl\nwould display.\n\nThis is where the\nphoto of 341 Nothing\nDr would 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\n4\n\n$10,150\n\nMLS XY-324811\n\n3 Miles N\n\n4\n\n$850,000\n\n03/30/2023\n\n$10,800\n\n79\n\nLess\n\nMLS XY-123994\n\n4.5 Miles S\n\nMLS XY-238849\n\n3.5 Miles E\n\n4\n\n$750,000\n\n12/20/2022\n\n$10,000\n\n75\n\nLess\n\n4\n\n$780,000\n\n02/15/2023\n\n$10,400\n\n75\n\nMost\n\nIndicated Value by Income Approach\n\nTotal Monthly Market Rent\n$10,400\n\n×\n\nGross Rent Multiplier\n75\n\n=\n\nIndicated Value by Income Approach\n$780,000\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 75 to 79. This is considered\nreliable and provides support for the value estimate.\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 23 of 26\nPage 23 of 26\n\nIncome Approach (continued)\n\nIncome Approach Exhibits\n\nComparable #1\n\nComparable #2\n\nThis is where the photo of 181 Cattledrive St would display.\n\nThis is where the photo of 123 Something Pl would display.\n\nComparable #3\n\nThis is where the photo of 341 Nothing Dr would display.\n\nReconciliation\n\nApproaches to Value\n\nIndicated Value\n\nReason for Exclusion\n\nSales Comparison Approach\n$785,000\n\nIncome Approach\n$780,000\n\nCost Approach\n\nNot Necessary for Credible Results\n\nAppraisal Summary\n"}
diff --git a/chunks/json/5ea91e74461be3d1f4e81706142c9e3c5abb481ae0f6d18420e5cfaebe772177.json b/chunks/json/5ea91e74461be3d1f4e81706142c9e3c5abb481ae0f6d18420e5cfaebe772177.json
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index 0000000000000000000000000000000000000000..553e29f90e6e2ba2092bd7a678588c50c689a281
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+++ b/chunks/json/5ea91e74461be3d1f4e81706142c9e3c5abb481ae0f6d18420e5cfaebe772177.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":14079,"char_start":10028,"chunk_id":"chk_9d3ae5c678081ad2","chunk_index":6,"chunk_sha256":"5ea91e74461be3d1f4e81706142c9e3c5abb481ae0f6d18420e5cfaebe772177","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_bd409e86684619b1","text_sha256":"5ea91e74461be3d1f4e81706142c9e3c5abb481ae0f6d18420e5cfaebe772177","token_estimate":1092,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Enterprise_Non_Performing_Loan_Sales_Report___U_S__v3kpd5.md","exceeds_max_chunk_chars_truncated"]},"text":"[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/241&order=field_release_date&sort=asc) Report Attachment September 12, 2025 [Enterprise Non-Performing Loan Sales Report - December 2024](/reports/enterprise-non-performing-loan-sales-report/2024-12) [Read Report](/document/enterprise-non-performing-loan-sales-report-december-2024) December 17, 2024 [Enterprise Non-Performing Loan Sales Report - June 2024](/reports/enterprise-non-performing-loan-sales-report/2024-06) [Read Report](/document/enterprise-non-performing-loan-sales-report-june-2024) June 18, 2024 [Enterprise Non-Performing Loan Sales Report - December 2023](/reports/enterprise-non-performing-loan-sales-report/2023-12) [Read Report](/document/enterprise-non-performing-loan-sales-report-december-2023) February 01, 2024 [Enterprise Non-Performing Loan Sales Report - June 2023](/reports/enterprise-non-performing-loan-sales-report/2023-06) [Read Report](/document/enterprise-non-performing-loan-sales-report-june-2023) October 10, 2023 [Enterprise Non-Performing Loan Sales Report - December 2022](/reports/enterprise-non-performing-loan-sales-report/2022-12) [Read Report](/document/enterprise-npl-sales-report-december-2022) December 21, 2022 [Enterprise Non-Performing Loan Sales - June 2022](/reports/enterprise-non-performing-loan-sales-report/2022-06) [Read Report](/document/enterprise-npl-sales-report-june-2022) July 11, 2022 [Enterprise Non-Performing Loan Sales Report - December 2021](/reports/enterprise-non-performing-loan-sales-report/2021-12) [Read Report](/document/enterprise-npl-sales-report-december-2021) November 22, 2021 [Enterprise Non-Performing Loan Sales - June 2021](/reports/enterprise-non-performing-loan-sales-report/2021-06) [Read Report](/document/enterprise-npl-sales-report-june-2021) May 27, 2021 [Enterprise Non-Performing Loan Sales Report - December 2020](/reports/enterprise-non-performing-loan-sales-report/2020-12) [Read Report](/document/enterprise-npl-sales-report-december-2020) December 15, 2020 [Enterprise Non-Performing Loan Sales - June 2020](/reports/enterprise-non-performing-loan-sales-report/2020-06) [Read Report](/document/enterprise-npl-sales-report-june-2020) June 01, 2020 [Enterprise Non-Performing Loan Sales Report - December 2019](/reports/enterprise-non-performing-loan-sales-report/2019-12) [Read Report](/document/enterprise-npl-sales-report-december-2019) December 02, 2019 [Enterprise Non-Performing Loan Sales Report - June 2019](/reports/enterprise-non-performing-loan-sales-report/2019-06) [Read Report](/document/enterprise-npl-sales-report-june-2019) June 17, 2019 [Enterprise Non-Performing Loan Sales Report - December 2018](/reports/enterprise-non-performing-loan-sales-report/2018-12) [Read Report](/document/enterprise-npl-sales-report-december-2018) December 04, 2018 [Enterprise Non-Performing Loan Sales Report - June 2018](/reports/enterprise-non-performing-loan-sales-report/2018-06) [Read Report](/document/enterprise-npl-sales-report-june-2018) June 13, 2018 [Enterprise Non-Performing Loan Sales Report - December 2017](/reports/enterprise-non-performing-loan-sales-report/2017-12) [Read Report](/document/enterprise-npl-loan-sales-report-december-2017) December 05, 2017 [Enterprise Non-Performing Loan Sales Report - June 2017](/reports/enterprise-non-performing-loan-sales-report/2017-06) [Read Report](/document/enterprise-npl-sales-report-june-2017) June 01, 2017 [Enterprise Non-Performing Loan Sales Report - December 2016](/reports/enterprise-non-performing-loan-sales-report/2016-12) [Read Report](/document/enterprise-npl-sales-report-december-2016) November 16, 2016 [Enterprise Non-Performing Loan Sales Report - August 2016](/reports/enterprise-non-performing-loan-sales-report/2016-08) [Read Report](/document/enterprise-npl-sales-report-august-2016) June 30, 2016 [Enterprise Non-Performing Loan Sales Report - May 2016](/reports/enterprise-non-performing-loan-sales-report/2016-05) [Read Repor\n"}
diff --git a/chunks/json/5eaf41ba0d4cd2a0bf7fcc3a4bf3fd4c47614bb8b4af2b7059c69c285ffa32fe.json b/chunks/json/5eaf41ba0d4cd2a0bf7fcc3a4bf3fd4c47614bb8b4af2b7059c69c285ffa32fe.json
new file mode 100644
index 0000000000000000000000000000000000000000..2d927c3cf1086b7e8478f8fda9658d71c8e9bd71
--- /dev/null
+++ b/chunks/json/5eaf41ba0d4cd2a0bf7fcc3a4bf3fd4c47614bb8b4af2b7059c69c285ffa32fe.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7308,"char_start":6631,"chunk_id":"chk_3f4fd3cf3f33a0c5","chunk_index":10,"chunk_sha256":"5eaf41ba0d4cd2a0bf7fcc3a4bf3fd4c47614bb8b4af2b7059c69c285ffa32fe","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"5eaf41ba0d4cd2a0bf7fcc3a4bf3fd4c47614bb8b4af2b7059c69c285ffa32fe","token_estimate":589,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Page 4\n\nData Mapping and PDF Rendering Information ....................................................................................................................................................................... 19\n\n04 New Observed Items for Repair ................................................................................................................................................................................. 21\n\nOverview ................................................................................................................................................................................................................................... 21\n"}
diff --git a/chunks/json/5eb1128377e92f9003c7a5543e95d95127a8dbe39e1e529a71f6a1eb0281f941.json b/chunks/json/5eb1128377e92f9003c7a5543e95d95127a8dbe39e1e529a71f6a1eb0281f941.json
new file mode 100644
index 0000000000000000000000000000000000000000..0f6be13f7c0847eff5cd0a37c6adb54e43198783
--- /dev/null
+++ b/chunks/json/5eb1128377e92f9003c7a5543e95d95127a8dbe39e1e529a71f6a1eb0281f941.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":31179,"char_start":29323,"chunk_id":"chk_747621c67cde0871","chunk_index":16,"chunk_sha256":"5eb1128377e92f9003c7a5543e95d95127a8dbe39e1e529a71f6a1eb0281f941","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"5eb1128377e92f9003c7a5543e95d95127a8dbe39e1e529a71f6a1eb0281f941","token_estimate":464,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-implementation-guide.pdf"]},"text":"Represents a collection of DEAL containers that may or may not be\nrelated. A delivery file may contain several DEAL_SET containers,\none per combination of pool/pool suffix of loans. Only one\nDEAL_SET container should be provided for Cash deliveries.\n\n© 2018 Fannie Mae. Trademarks of Fannie Mae.\n\nJune 2018 | 13 of 22\n\nContainer Name\n\nContainer Description\n\nDEAL\n\nCOLLATERAL\n\nRepresents a single loan delivery. Contains multiple instances of\nLOAN containers that together provide all data points needed to\ndefine the delivered loan and any supporting information from\nassociated related loans.\n\nContains the PROPERTY container that captures information about\nthe property that secures the delivered loan. There is only one\nCOLLATERAL container used per delivered loan.\n\nPROPERTY\n\nCaptures information about the property that secures the delivered\nloan. There is only one PROPERTY container per delivered loan.\n\nASSET\n\nPOOL\n\nPARTY\n\nFannie Mae does not support the ASSET container. If provided in\nthe loan delivery XML file, the ASSET container will be ignored.\n\nOnly required for MBS submissions and captures information about\npooling of loans for securitization.\n\nCaptures specific information about each person or entity that plays\na role in the loan origination and delivery process. Because there are\nmany roles in this process, there will be multiple PARTY containers\nwithin a DEAL. Every loan delivery (DEAL container) will have a\nseparate PARTY container for each party, such as: Borrower,\nAppraiser, Appraiser Supervisor, Loan Originator, and Loan\nOrigination Company. The PARTY container will also be repeated\nfor multiple borrowers. The PARTY container also appears under the\nDEAL_SETS and DEAL_SET containers to capture additional party\ninformation. Refer\nto Appendix A: Fannie Mae XML Data\nRequirements for a complete list of supported PARTIES.\n"}
diff --git a/chunks/json/5ec370d136cb6c54e3bdae51e02550833850db23311faea485396e59d3fd1f13.json b/chunks/json/5ec370d136cb6c54e3bdae51e02550833850db23311faea485396e59d3fd1f13.json
new file mode 100644
index 0000000000000000000000000000000000000000..3a8596e518f435fd11b8328ca60733c3b470ce65
--- /dev/null
+++ b/chunks/json/5ec370d136cb6c54e3bdae51e02550833850db23311faea485396e59d3fd1f13.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":378986,"char_start":377386,"chunk_id":"chk_42227b87da497afc","chunk_index":303,"chunk_sha256":"5ec370d136cb6c54e3bdae51e02550833850db23311faea485396e59d3fd1f13","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"5ec370d136cb6c54e3bdae51e02550833850db23311faea485396e59d3fd1f13","token_estimate":400,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Outbuilding is the only subsection that has an adjustment at the row sub-header level for each instance of Outbuilding Type. (Figure 22 - 5)\n\n• When an AdditionalComparisonLineItemIdentifier is provided, ComparableAdjustmentType (UID: 1800.0318, FID: Not on report) must\n\nbe delivered as SalesComparableAdditionalNonAdjustableComparisonItem for each additional row within Outbuilding.\n\nThere are 11 defined rows in this subsection.\n\n➢ No rows are required (Always)\n➢\n➢\n➢\n\n1 row is conditionally required (If Applicable)\n10 rows may be provided (If Relevant)\nAdditional rows may be provided\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nSummary\n\nThe Summary subsection always displays in the Sales Comparison Approach section.\n\nSummary is the last subsection in the sales comparison grid and has no adjustments.\n\nThere are 10 defined rows in this subsection.\n\n➢\n➢\n➢\n\n5 rows are required (Always)\n4 rows are conditionally required (If Applicable)\n1 row may be provided (If Relevant)\n\nFigure 22 - 19\n\nPage 293\n\nIndicated Value by Sales Comparison Approach\n\nThe Indicated Value by Sales Comparison Approach sub-header always displays in the Summary subsection.\n\nIndicated Value - ValueIndicatedBySalesComparisonAmount (UID: 1300.0006, FID: 22.15.15) always displays when\nSalesComparisonApproachIndicator = \"true\".\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nReconciliation of Sales Comparison Approach\n\nThe Reconciliation of the Sales Comparison Approach subsection always displays when SalesComparisonApproachIndicator = \"true\".\n\n− SalesComparisonCommentDescription (UID: 1800.0278, FID: 22.16.01)\n"}
diff --git a/chunks/json/5ec3ad2f4ebad3daf9613bdd5b0ea2d666bb03e721e24eb0155e4a50c984adf7.json b/chunks/json/5ec3ad2f4ebad3daf9613bdd5b0ea2d666bb03e721e24eb0155e4a50c984adf7.json
new file mode 100644
index 0000000000000000000000000000000000000000..b6ed25fd17a31a6a62eeacea10a8e6d2f71e5b31
--- /dev/null
+++ b/chunks/json/5ec3ad2f4ebad3daf9613bdd5b0ea2d666bb03e721e24eb0155e4a50c984adf7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":274927,"char_start":273270,"chunk_id":"chk_73f15ca4abc94deb","chunk_index":158,"chunk_sha256":"5ec3ad2f4ebad3daf9613bdd5b0ea2d666bb03e721e24eb0155e4a50c984adf7","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"5ec3ad2f4ebad3daf9613bdd5b0ea2d666bb03e721e24eb0155e4a50c984adf7","token_estimate":415,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Listing Status\n\nProperty Description\n\nConstruction Method\nAttachment Type\n\nJennifer Jones\nNone\n\nManufactured\nDetached\n\nOverall Quality\nOverall Condition\n\nQ4\nC1\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\nLand Use\nProperty Restriction\nNo Zoning\nZoning Compliance\nHUD Data Plate Attached\nYes\nHUD Label Present for All Sections Yes\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 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1)\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"}
diff --git a/chunks/json/5ec7567a5822f1014e7655caee7cf7b61924ada9672ad446bddc33d80658e6c9.json b/chunks/json/5ec7567a5822f1014e7655caee7cf7b61924ada9672ad446bddc33d80658e6c9.json
new file mode 100644
index 0000000000000000000000000000000000000000..67534726a4ca37ebd380bd7c33d7f3bd0582e026
--- /dev/null
+++ b/chunks/json/5ec7567a5822f1014e7655caee7cf7b61924ada9672ad446bddc33d80658e6c9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8935,"char_start":7109,"chunk_id":"chk_c8722747f757d8ea","chunk_index":4,"chunk_sha256":"5ec7567a5822f1014e7655caee7cf7b61924ada9672ad446bddc33d80658e6c9","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_201275b1aba83e24","text_sha256":"5ec7567a5822f1014e7655caee7cf7b61924ada9672ad446bddc33d80658e6c9","token_estimate":455,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Language_Translation_Disclosure___FHFA_lv538r.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 - [Mortgage Translations](/mortgage-translations)\n - Language Translation Disclosure\n\n# Language Translation Disclosure\n\nFHFA, Fannie Mae, and Freddie Mac have created a Language Translation Disclosure for borrowers about language-related services for mortgage transactions. The Disclosure states that the loan transaction is likely to be conducted in English and that not all communications related to a mortgage transaction will be in the borrower's preferred language. It refers borrowers to the multi-lingual housing counseling services that may be available from HUD-approved housing counseling agencies.\n"}
diff --git a/chunks/json/5ed08c15eecdf424213a7423a526e9d75e38a2512f42f00df8a04f3c0a4b7631.json b/chunks/json/5ed08c15eecdf424213a7423a526e9d75e38a2512f42f00df8a04f3c0a4b7631.json
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+++ b/chunks/json/5ed08c15eecdf424213a7423a526e9d75e38a2512f42f00df8a04f3c0a4b7631.json
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+{"chunk":{"char_end":5244,"char_start":4754,"chunk_id":"chk_8ff574432e46f12e","chunk_index":4,"chunk_sha256":"5ed08c15eecdf424213a7423a526e9d75e38a2512f42f00df8a04f3c0a4b7631","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"5ed08c15eecdf424213a7423a526e9d75e38a2512f42f00df8a04f3c0a4b7631","token_estimate":424,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Units Used in Style Guide .................................................................................................................................... 13\n\nTerminology Used in Style Guide ........................................................................................................................ 13\n\nPage Size ............................................................................................................................................................. 15\n"}
diff --git a/chunks/json/5ed647c134bf9cea2a8f8c98f975e4798347da78efe4271e51b31e5339e7e55f.json b/chunks/json/5ed647c134bf9cea2a8f8c98f975e4798347da78efe4271e51b31e5339e7e55f.json
new file mode 100644
index 0000000000000000000000000000000000000000..fc9c7f22aadbd96c18194dd3f0c223f79025f172
--- /dev/null
+++ b/chunks/json/5ed647c134bf9cea2a8f8c98f975e4798347da78efe4271e51b31e5339e7e55f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":396536,"char_start":394867,"chunk_id":"chk_ed6e0cdeb233a1d1","chunk_index":232,"chunk_sha256":"5ed647c134bf9cea2a8f8c98f975e4798347da78efe4271e51b31e5339e7e55f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5ed647c134bf9cea2a8f8c98f975e4798347da78efe4271e51b31e5339e7e55f","token_estimate":418,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Seller Is Owner\nIndicator\n\nIndicates that the seller is the owner of the\nproperty.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@SellerIsOwne\nrIndicator=‘N’]\n\nCONTRACT\n\nContract\nData Source(s)\n\nData Source\nDescription\n\nA free-form text field used to describe the\nsource of information.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@DataSourceD\nescription\n\nCONTRACT\n\n51\n\nCONTRACT\n\nIs there any financial assistance\n(loan charges, sales concessions,\ngift or downpayment assistance,\netc.) to be paid by any party on\nbehalf of the borrower? Yes\n\nIs there any financial assistance\n(loan charges, sales concessions,\ngift or downpayment assistance,\netc.) to be paid by any party on\nbehalf of the borrower? No\n\nSales Concession\nIndicator\n\nIndicates that someone made concessions\nfor the current sales contract.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@SalesConcess\nionIndicator=‘Y’]\n\nSales Concession\nIndicator\n\nIndicates that someone made concessions\nfor the current sales contract.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@SalesConcess\nionIndicator=‘N’]\n\n1\n\n25\n\n1\n\n1\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Contract Section\n\nString\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Contract Section\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Contract Section\n\nIf field 1-33 (Appraisal Purpose Type =\n'Purchase') is indicated, then one and\nonly one of fields 1-47, 1-48 must be\nindicated.\n\nThis field should be populated if field 1-\n33 (Appraisal Purpose Type =\n'Purchase') is indicated.\n\nIf field 1-33 (Appraisal Purpose Type =\n'Purchase') is indicated, then one and\nonly one of fields 1-50, 1-51 (values of\nSales Concession Indicator) must be\nindicated.\n"}
diff --git a/chunks/json/5ed6c9b65465f587335617714c0454ab1c483feff622cf78412bb5b292b7ebf4.json b/chunks/json/5ed6c9b65465f587335617714c0454ab1c483feff622cf78412bb5b292b7ebf4.json
new file mode 100644
index 0000000000000000000000000000000000000000..80494840bb15a39ef26ff5b6aada9d656fe663cc
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+++ b/chunks/json/5ed6c9b65465f587335617714c0454ab1c483feff622cf78412bb5b292b7ebf4.json
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+{"chunk":{"char_end":787022,"char_start":785424,"chunk_id":"chk_293b22f4d975227b","chunk_index":467,"chunk_sha256":"5ed6c9b65465f587335617714c0454ab1c483feff622cf78412bb5b292b7ebf4","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5ed6c9b65465f587335617714c0454ab1c483feff622cf78412bb5b292b7ebf4","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"One and only one of fields 1-173, 1-174\n(values of Project Developer Controls\nProject Management Indicator) must be\nindicated.\nAt least one of fields 1-175, 1-176, 1-177\n(values of Project Management Type and\nsometimes values of Project Management\nType Other Description) should be\nindicated\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nT\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 140 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\n183\n\n184\n\n185\n\n186\n\n187\n\n1\n\n1\n\n1\n\n1\n\n1\n\n176\n\n177\n\nPROJECT\nINFORMATION\n\nManagement Group\nDeveloper\n\nProject Management\nType\n\nIdentifies type of management associated\nwith the project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ManagementType='Dev\neloper']\n\nPROJECT\nINFORMATION\n\nManagement Group\nManagement Agent\n\nProject Management\nType\n\nIdentifies type of management associated\nwith the project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ManagementType='Ma\nnagementAgent']\n\n175, 176\n\nPROJECT\nINFORMATION\n\nManagement Group\nHomeowners' Association and\nDeveloper\n\nProject Management\nType Other\nDescription\n\nIdentifies type of management associated\nwith the project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ManagementType='Oth\ner' and\n@_ManagementTypeOtherDescription='HomeownersAssociationAndDeveloper']\n\n175, 177\n\nPROJECT\nINFORMATION\n\nManagement Group\nHomeowners' Association and\nManagement Agent\n\nProject Management\nType Other\nDescription\n"}
diff --git a/chunks/json/5edab5e100ccfa8dfbdbd17d12eedb2c254379a68475e5371d3660334c9de863.json b/chunks/json/5edab5e100ccfa8dfbdbd17d12eedb2c254379a68475e5371d3660334c9de863.json
new file mode 100644
index 0000000000000000000000000000000000000000..5317de2218a2505f10ab2c82e16f26c180c18440
--- /dev/null
+++ b/chunks/json/5edab5e100ccfa8dfbdbd17d12eedb2c254379a68475e5371d3660334c9de863.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":256094,"char_start":254435,"chunk_id":"chk_b71417bb93ecc504","chunk_index":149,"chunk_sha256":"5edab5e100ccfa8dfbdbd17d12eedb2c254379a68475e5371d3660334c9de863","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5edab5e100ccfa8dfbdbd17d12eedb2c254379a68475e5371d3660334c9de863","token_estimate":415,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Above Grade Room\nCount Adjustment\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\nThe dollar amount of the adjustment\napplied to the sale price for the\nproperty feature identified by Sale\nPrice Adjustment Type.\n\n330\n\n2\n\n75\n\n331\n\n2\n\n76\n\n332\n\n2\n\n77\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nAbove Grade Room\nCount Total Rooms\n\nTotal Room Count\n\nSpecifies the total number of livable\nrooms.\n\nAbove Grade Room\nCount Bdrms.\n\nTotal Bedroom Count\n\nSpecifies the total number of\nbedrooms.\n\nAbove Grade Room\nCount Baths\n\nTotal Bathroom\nCount\n\nSpecifies the total number of\nbathrooms.\n\n333\n\n2\n\n78\n\nSALES\nCOMPARISON\nAPPROACH\n\nAbove Grade Room\nCount Adjustment\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]/COMPARISON_DETAIL_EXTENSION/CO\nMPARISON_DETAIL_EXTENSION_SECTIO\nN[@ExtensionSectionOrganizationName='UNIF\nORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTE\nNSION_SECTION_DATA/COMPARISON_D\nETAIL/@GSEOverallConditionType\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Con\ndition']/@_Amount\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Oth\ner' and\n@_TypeOtherDescription='RoomAboveGradeLi\nne1']/@_Amount\n"}
diff --git a/chunks/json/5f040c00ab8677d19cbd468ad9c7b80ce210be75138df077625b1bfee90b7529.json b/chunks/json/5f040c00ab8677d19cbd468ad9c7b80ce210be75138df077625b1bfee90b7529.json
new file mode 100644
index 0000000000000000000000000000000000000000..de92aa3931394e33a1a16d105b9490dfcdb0839d
--- /dev/null
+++ b/chunks/json/5f040c00ab8677d19cbd468ad9c7b80ce210be75138df077625b1bfee90b7529.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":99498,"char_start":97771,"chunk_id":"chk_5540ac97ed249b71","chunk_index":53,"chunk_sha256":"5f040c00ab8677d19cbd468ad9c7b80ce210be75138df077625b1bfee90b7529","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"5f040c00ab8677d19cbd468ad9c7b80ce210be75138df077625b1bfee90b7529","token_estimate":432,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"Alliance Agreement.\n\nParties: American President Lines,\nLLC; APL Co. Pte. Ltd.; CMA CGM S.A.;\nCOSCO SHIPPING Lines Co., Ltd.;\nEvergreen Line Joint Service Agreement;\nOOCL (Europe) Limited, and Orient\nOverseas Container Line Limited.\n\nFiling Party: Robert Magovern; Cozen\n\nO’Connor.\n\nSynopsis: The Amendment adds\n\nBahrain, Iraq, and Oman to the\ngeographic scope of the Agreement.\n\nProposed Effective Date: 7/11/2020.\nLocation: https://www2.fmc.gov/\n\nFMC.Agreements.Web/Public/\nAgreementHistory/1214.\n\nDated: May 29, 2020.\n\nRachel Dickon,\nSecretary.\n[FR Doc. 2020–11940 Filed 6–2–20; 8:45 am]\n\nBILLING CODE 6730–02–P\n\nFEDERAL RESERVE SYSTEM\n\nNotice of Proposals To Engage in or\nTo Acquire Companies Engaged in\nPermissible Nonbanking Activities\n\nThe companies listed in this notice\nhave given notice under section 4 of the\nBank Holding Company Act (12 U.S.C.\n1843) (BHC Act) and Regulation Y, (12\nCFR part 225) to engage de novo, or to\nacquire or control voting securities or\nassets of a company, including the\ncompanies listed below, that engages\neither directly or through a subsidiary or\nother company, in a nonbanking activity\nthat is listed in § 225.28 of Regulation Y\n(12 CFR 225.28) or that the Board has\ndetermined by Order to be closely\nrelated to banking and permissible for\nbank holding companies. Unless\notherwise noted, these activities will be\nconducted throughout the United States.\n\nEach application is available for\n\ninspection at the Federal Reserve Bank\nas indicated. The application also will\nbe available for inspection at the offices\nof the Board of Governors. Interested\npersons may express their views in\nwriting on the question whether the\nproposal complies with the standards of\nsection 4 of the BHC Act.\n"}
diff --git a/chunks/json/5f0651e377cd345b45053c2bfdeb8e39069c281dd3a8f510ffda6b12fe8c2f94.json b/chunks/json/5f0651e377cd345b45053c2bfdeb8e39069c281dd3a8f510ffda6b12fe8c2f94.json
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index 0000000000000000000000000000000000000000..758f62a6805ac622589680ee35ed795c11d16d20
--- /dev/null
+++ b/chunks/json/5f0651e377cd345b45053c2bfdeb8e39069c281dd3a8f510ffda6b12fe8c2f94.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":838704,"char_start":837026,"chunk_id":"chk_901b1785dec7ac48","chunk_index":498,"chunk_sha256":"5f0651e377cd345b45053c2bfdeb8e39069c281dd3a8f510ffda6b12fe8c2f94","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5f0651e377cd345b45053c2bfdeb8e39069c281dd3a8f510ffda6b12fe8c2f94","token_estimate":420,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Specifies 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\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE/@Pa\nrkingSpaceIdentifier\n\nUNIT\nIMPROVEMENTS\n\nFinished area above grade contains\nRooms\n\nTotal Room Count\n\nSpecifies the total number of livable\nrooms.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@TotalRoomCount\n\n285\n\n2\n\n83\n\nUNIT\nIMPROVEMENTS\n\nFinished area above grade contains\nBedrooms\n\nTotal Bedroom\nCount\n\nSpecifies the total number of bedrooms.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@TotalBedroomCount\n\nBoolean\n\nA value of 'Y' indicates that there is a garage. A value of 'N' indicates the box was not\nchecked.\n\nEnumerated\n\nA separate car storage location element must be populated for each box that is checked.\n\nEnumerated\n\nA separate car storage location element must be populated for each box that is checked.\n\nUAD Requirement - Refer to Appendix D Improvements Section\n\nNumeric\n\nPDF Display Format:\nWhole numbers only.\n\nIf none, then zero (0) must be entered.\n\nEnumerated\n\nEnumerated\n\nString\n\nNumeric\n\nUAD Requirement - Refer to Appendix D Improvements Section\nSpecify Above Grade Rooms Only\n\nPDF Display Format:\nWhole numbers only.\n\nUAD Requirement - Refer to Appendix D Improvements Section\nSpecify Above Grade Bedrooms Only\n"}
diff --git a/chunks/json/5f14d12705ec8c81b266a51a6072895c4831aee29590917259ad70d53f1121df.json b/chunks/json/5f14d12705ec8c81b266a51a6072895c4831aee29590917259ad70d53f1121df.json
new file mode 100644
index 0000000000000000000000000000000000000000..9fc0c7867f2d144241868cc3a3951fac5674e3fe
--- /dev/null
+++ b/chunks/json/5f14d12705ec8c81b266a51a6072895c4831aee29590917259ad70d53f1121df.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15567,"char_start":15088,"chunk_id":"chk_cdae9b60bc9d5d7b","chunk_index":22,"chunk_sha256":"5f14d12705ec8c81b266a51a6072895c4831aee29590917259ad70d53f1121df","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"5f14d12705ec8c81b266a51a6072895c4831aee29590917259ad70d53f1121df","token_estimate":407,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Ownership Rights (H1) ........................................................................................................................................ 36\n\nLegal Description (H1) ......................................................................................................................................... 37\n\nSubject Property Commentary (H1) ................................................................................................................... 37\n"}
diff --git a/chunks/json/5f423cd83f268db11049b7fb504e772dace7cbd1eb08c17f3fb462d4dc7d5ad2.json b/chunks/json/5f423cd83f268db11049b7fb504e772dace7cbd1eb08c17f3fb462d4dc7d5ad2.json
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index 0000000000000000000000000000000000000000..0bf0e34796b76c787e5ed3efc41e80812334cc6f
--- /dev/null
+++ b/chunks/json/5f423cd83f268db11049b7fb504e772dace7cbd1eb08c17f3fb462d4dc7d5ad2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":245530,"char_start":243899,"chunk_id":"chk_08cf529560a0a02c","chunk_index":144,"chunk_sha256":"5f423cd83f268db11049b7fb504e772dace7cbd1eb08c17f3fb462d4dc7d5ad2","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"5f423cd83f268db11049b7fb504e772dace7cbd1eb08c17f3fb462d4dc7d5ad2","token_estimate":408,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"If Homeowner Responsible for all Exterior Maintenance of Dwellings is No, this subsection does not display.\n\nNote: Any observed project deficiencies are reported in the Project Information section (18.014) and not here.\n\nExterior Quality and Condition Ratings\n\nReport\nField ID\n\n8.022\n\nExterior Quality\nRating\n\n8.023\n\nExterior\nCondition Rating\n\nDwelling Exterior: Quality and Condition - Exterior Quality and Condition Ratings\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nRequired if\nHomeowner\nResponsible for all\nExterior Maintenance\nof Dwellings is Yes\n\nRequired if\nHomeowner\nResponsible for all\nExterior Maintenance\nof Dwellings is Yes\n\nQ1 to Q6\n\nReference Appendix 2: Condition and Quality Rating Definitions for definitions.\n\nIf applicable, Exterior Quality Rating also displays in Overall Quality and\nCondition (15.002) and Sales Comparison Approach (22.08.02).\n\nC1 to C6\n\nReference Appendix 2: Condition and Quality Rating Definitions for definitions.\n\nIf applicable, Exterior Condition Rating also displays in Overall Quality and\nCondition (15.007) and Sales Comparison Approach (22.08.09).\n\nNote: Reflects the condition as if any required repairs, inspections, or\ncompletions have been satisfactorily completed.\n\nAppendix F-1: URAR Reference Guide\n\nPage 101 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nExterior Features\n\n08 Dwelling Exterior\n\nThe Exterior Features table supports the Exterior Quality and Condition ratings, and includes a row for each of\nthe following:\n• Exterior Walls and Trim\n• Foundation\n• Roof\n• Windows\n• Other (Describe) (Displays when relevant)\n"}
diff --git a/chunks/json/5f44ed31699d5a984d9199d3bae40f1e22cebde4b8357acd51efdbb8d0849ba7.json b/chunks/json/5f44ed31699d5a984d9199d3bae40f1e22cebde4b8357acd51efdbb8d0849ba7.json
new file mode 100644
index 0000000000000000000000000000000000000000..e77678ede0dfe4e12fde0034a0377b0d8116b435
--- /dev/null
+++ b/chunks/json/5f44ed31699d5a984d9199d3bae40f1e22cebde4b8357acd51efdbb8d0849ba7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1690,"char_start":0,"chunk_id":"chk_bf6a914870b86bb0","chunk_index":0,"chunk_sha256":"5f44ed31699d5a984d9199d3bae40f1e22cebde4b8357acd51efdbb8d0849ba7","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"5f44ed31699d5a984d9199d3bae40f1e22cebde4b8357acd51efdbb8d0849ba7","token_estimate":423,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix B-1: URAR Implementation Guide\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 Federal Housing Finance Agency.\n©2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nPage 2\n\nRevision History\n\nDate\n\nVersion Change #\n\niGuide Chapter\n\nRevision Description\n\n2025-002 Report PDF\n\n2025-018 Report PDF\n\nCorrected Universal Residential Appraisal Report to Uniform Residential\nAppraisal Report\n\nAdded guidance for including Condition and Quality Rating Definitions at the\nend of the report\n\n2025-049\n\nKey Concepts\n\nClarified Appraisal Report PDF Requirements\n\n2025-024\n\n01 Summary\n\nUpdated text in Figure 1 – 4\n\n2025-058\n\n03 Subject Property\n\nClarified display rule for the Ownership Rights subsection and\nCommunityLandTrustIndicator (UID: 1500.0031, FID: 3.020)\n\n06/10/2025\n\n1.3\n\n2025-015\n\n04 Site\n\n2025-033\n\n04 Site\n\nClarified display rule for DistanceFromPropertyLinearMeasure (UID:\n1500.0015, FID: 4.026)\n\nClarified display when Other utility is non-public and is shared\nUtilitySharedIndicator (UID: 1500.0103, FID: 4.096)\n\n2025-002\n\n08 Dwelling Exterior\n\nCorrected FID for HeatingFuelType to 12.015\n\n2025-024\n\n08 Dwelling Exterior\n\nUpdated Figure 8 - 6\n\n2025-022\n\n10 Unit Interior\n\nCorrected display rules to include CeilingStyleType (UID: 0700.0108; FID:\n10.045)\n\n2025-002\n\n12 Outbuilding\n\nCorrected UID/FID for ImageCategoryType (UID: 1400.0640, FID: 12.007.1)\nand ImageCaptionCommentDescription (UID: 1400.0638, FID: 12.007.2) in\nOutbuildingExhibit\n"}
diff --git a/chunks/json/5f4f1943867797829b12a3ddd34a37c6c9da2370ab25f3bbd297830a1091a5bc.json b/chunks/json/5f4f1943867797829b12a3ddd34a37c6c9da2370ab25f3bbd297830a1091a5bc.json
new file mode 100644
index 0000000000000000000000000000000000000000..f766e863a6fb8bf35e3bde6d143212278d0856ff
--- /dev/null
+++ b/chunks/json/5f4f1943867797829b12a3ddd34a37c6c9da2370ab25f3bbd297830a1091a5bc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":237053,"char_start":235439,"chunk_id":"chk_dd2611c623643b6f","chunk_index":134,"chunk_sha256":"5f4f1943867797829b12a3ddd34a37c6c9da2370ab25f3bbd297830a1091a5bc","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"5f4f1943867797829b12a3ddd34a37c6c9da2370ab25f3bbd297830a1091a5bc","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"- 103 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 72. XML Snippet - FEE_SMMARY AND FORECLOSURES\n\n<DeficiencyRightsPreservedIndicator>false</DeficiencyRightsPreservedIndicator>\n\n</FORECLOSURE_DETAIL>\n\n</FORECLOSURE>\n </FORECLOSURES>\n\n…\n</MESSAGE>\n\nUCD v2.0 Implementation Guide\n\n- 104 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nO. HIGH-COST AND QM DATA\n\nThe Home Ownership and Equity Protection Act (HOEPA) was enacted in 1994 as an amendment to TILA to address abusive\npractices in refinances and closed-end home equity loans with high interest rates or high fees. None of the High-Cost or QM\ndata points in UCD v2.0 are rendered on the CD.\n\nTable 48. XML File Container Structure for High-Cost and QM Data.\n\nUCD UIDs Containers\n\nUCD Usage Notes\n\n999.228\n\nHIGH_COST_MORTGAGES\n\nGroups one or more sets of high-cost mortgage data points.\n\n999.229\n\nHIGH_COST_MORTGAGE\n\nHolds data points providing details about high-cost\nmortgages and calculations.\n\n…\n\n999.237\n\nLOAN_PRODUCT\n\nHolds containers describing loan product information.\n\n999.238\n\nLOAN_PRICE_QUOTES\n\nGroups one or more sets of loan pricing information.\n\n999.239\n\nLOAN_PRICE_QUOTE\n\nOnly one instance is required when applicable.\n\n999.240\n\nLOAN_PRICE_QUOTE_DETAIL\n\nHolds LoanPriceQuoteInterestRatePercent.\n\n…\n\n999.255 QUALIFIED_MORTGAGE\n\nHolds containers categorizing QM information.\n\n999.256 |\n999.257\n\nEXEMPTIONS/EXEMPTION\n\nGroups one or more sets of QM exemption data points.\n\n999.258 QUALIFIED_MORTGAGE_DETAIL Holds data points with QM parameters.\n\n999.721 |\n999.722\n\nEXTENSION/OTHER\n"}
diff --git a/chunks/json/5f5a3895b53a272c73754e30d693f9645b13f537351e8a85018a8fdb40b9b863.json b/chunks/json/5f5a3895b53a272c73754e30d693f9645b13f537351e8a85018a8fdb40b9b863.json
new file mode 100644
index 0000000000000000000000000000000000000000..a1a6850ed77f71a4aec3229c555b4cbcf8611bdb
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diff --git a/chunks/json/5f658cbc96ec9ccf144435c27f2263c73a2a1cb63b3c456d72fac7b6f3b3f932.json b/chunks/json/5f658cbc96ec9ccf144435c27f2263c73a2a1cb63b3c456d72fac7b6f3b3f932.json
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diff --git a/chunks/json/5f7a4cf81ad3190b6da4b28e0cc20e4d4381c6cc2f068e6fde53925f0dc8b425.json b/chunks/json/5f7a4cf81ad3190b6da4b28e0cc20e4d4381c6cc2f068e6fde53925f0dc8b425.json
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+{"chunk":{"char_end":42837,"char_start":41191,"chunk_id":"chk_0c3cb99bb71264bc","chunk_index":25,"chunk_sha256":"5f7a4cf81ad3190b6da4b28e0cc20e4d4381c6cc2f068e6fde53925f0dc8b425","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"5f7a4cf81ad3190b6da4b28e0cc20e4d4381c6cc2f068e6fde53925f0dc8b425","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":"Total 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 2024\n\nUniform Residential Appraisal Report\n\nPage 23 of 29\nPage 23 of 29\n\nIncome Approach (continued)\n\nIncome Approach Exhibits\n\nMap of GRM Comparables\n\nThis is where the GRM Comparable Map photo would display.\n\nComparable #1\n\nComparable #2\n\nThis is where the GRM Comparable 1 photo would display.\n\nThis is where the GRM Comparable 2 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 24 of 29\nPage 24 of 29\n\nIncome Approach (continued)\n\nComparable #3\n\nThis is where the GRM 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$195,000\n\nIncome Approach\n$198,000\n\nCost Approach\n\nDifficulty Estimating Depreciation\n\n$160,000\n$195,000\nAs Is\n\nReasonable Exposure Time\nEffective Date of Appraisal\n"}
diff --git a/chunks/json/5f82559bc76475915c4554e387d750663e47e79341803a4ac5efe421147a6904.json b/chunks/json/5f82559bc76475915c4554e387d750663e47e79341803a4ac5efe421147a6904.json
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+{"chunk":{"char_end":141499,"char_start":139862,"chunk_id":"chk_4cc6d8974c979fbc","chunk_index":76,"chunk_sha256":"5f82559bc76475915c4554e387d750663e47e79341803a4ac5efe421147a6904","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"5f82559bc76475915c4554e387d750663e47e79341803a4ac5efe421147a6904","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"The Cash to Close total is the sum of the amounts for the eight line items in the Loan Estimate and the Final columns of\nthe Cash to Close Table. A negative number is the amount that the borrower will receive from the transaction at closing. A\nresult of zero means that the borrower neither paid nor received any amount from the closing table transaction.\n\nThe UCD v2.0 Excerpt below shows the first instance of CASH_TO_CLOSE. The XML snippet that follows illustrates the\n\nentire Cash to Close table example provided in Figure 45.\n\nUCD v2.0 Implementation Guide\n\n- 61 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nTable 35. UCD v2.0 Spec Excerpt - Cash to Close Item Data- Purchase Data Requirements.\n\nUCD\nUID\n\nMISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation\nNotes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUME\nNT_SPECIFIC_DATA_SETS/DOCUMENT_SPECIFIC_DATA_SET/INTEGRATED_DISCLOSURE/CASH_TO_CLOSE_ITEMS/CASH_TO_CLOSE_ITE\nM\n\n9.034\n\nIntegratedDisclosureCashToCloseItemAmountChangedIndicator\n\ntrue\n\n9.036\n\nIntegratedDisclosureCashToCloseItemChangeDescription\n\nSee Total Loan Costs (D) and\nTotal Other Costs (I)\n\n9.003\n\nIntegratedDisclosureCashToCloseItemEstimatedAmount\n\n9.014\n\nIntegratedDisclosureCashToCloseItemFinalAmount\n\n8054.00\n\n9712.10\n\n9.002\n\nIntegratedDisclosureCashToCloseItemType\n\nTotalClosingCosts\n\n9.034\n\nIntegratedDisclosureCashToCloseItemAmountChangedIndicator\n\ntrue\n\n9.036\n\nIntegratedDisclosureCashToCloseItemChangeDescription\n\nYou paid these Closing Costs\nbefore closing\n\n9.003\n\nIntegratedDisclosureCashToCloseItemEstimatedAmount\n"}
diff --git a/chunks/json/5f83f3f07ef43c2bcf0db2e77f4f3df06b0f789596391da413bfa73f3494d952.json b/chunks/json/5f83f3f07ef43c2bcf0db2e77f4f3df06b0f789596391da413bfa73f3494d952.json
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+{"chunk":{"char_end":182868,"char_start":181266,"chunk_id":"chk_3e988167aa9c2fda","chunk_index":101,"chunk_sha256":"5f83f3f07ef43c2bcf0db2e77f4f3df06b0f789596391da413bfa73f3494d952","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"5f83f3f07ef43c2bcf0db2e77f4f3df06b0f789596391da413bfa73f3494d952","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"<FirstYearTotalNonEscrowPaymentAmount>1750.00</FirstYearTotalNonEscrowPaymentAmount>\n <IntegratedDisclosureHomeEquityLoanIndicator>true</IntegratedDisclosureHomeEquityLoanIndicator>\n <IntegratedDisclosureIssuedDate>2024-04-18</IntegratedDisclosureIssuedDate>\n\n</INTEGRATED_DISCLOSURE_DETAIL>\n\n…\n</MESSAGE>\n\nUCD v2.0 Implementation Guide\n\n- 78 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\n2. SECTION AND SUBSECTION HEADINGS AND TOTALS\n\nThe most CD-specific container structure of all has the sole purpose of identifying CD sections, subsections and totals. This\nis not best practice for developing a dataset; however, the CD is complicated and the same data point values are rendered in\nmultiple places on the form. Additionally, the same data points are used repeatedly to support multiple form sections. For\nthese reasons, the XML file includes containers and data points to enable systematic population of each section of the CD\nwith the correct line items.\n\nTable 41. XML File Containers Supporting CD Sections, Subsections and Totals.\n\nUCD UIDs Containers\n\nCD Section Supported\n\n999.134\n\nINTEGRATED_DISCLOSURE_SECTION_SUMMARIES\n\nHolds all instances of\nINTEGRATED_DISCLOSURE_SECTION_SUMMARY.\n\nMultiple\n\nINTEGRATED_DISCLOSURE_SECTION_SUMMARY\n\nHolds child containers identifying CD sections, subsections and\ntotals.\n\nMultiple\n\nINTEGRATED_DISCLOSURE_SECTION_SUMMARY_\nDETAIL\n\nHolds data points identifying CD section and subsection labels and\nsection totals.\n\nMultiple\n\nINTGEGRATED_DISCLOSRE_SUBSECTION_PAYMENTS Holds child containers with subsection payment information.\n"}
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+{"chunk":{"char_end":180553,"char_start":178879,"chunk_id":"chk_da8ec82e8f930192","chunk_index":185,"chunk_sha256":"5f8f54ff44e45e84ae63e46e9aa8bc57f5cefdb1759d4bf3503c41c88954c925","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"5f8f54ff44e45e84ae63e46e9aa8bc57f5cefdb1759d4bf3503c41c88954c925","token_estimate":419,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"−\nDisplay when SiteInfluenceType = \"BodyOfWater\"\n−\n\nIf there are multiple Bodies of Water, then Site Influence = Body of Water\nwould be selected multiple times, and each display in a separate row in\nthe Site Influence table\n\n4.028\n\nImpact\n\n1500.0177\n\nValueMarketabilityImpactType\n\nDisplay when EnvironmentalConditionType <> \"None\"\n\n1500.0176\n\nEnvironmentalConditionIdentifiedDescription\n\nDisplay when EnvironmentalConditionType <> \"None\"\n\n4.029\n\nComment\n\n1500.0247\n\nBodyOfWaterDescription\n\n1500.0181\n\nSiteInfluenceDescription\n\nSite Influence Commentary\n\nDisplay when SiteInfluenceType = “BodyOfWater” AND\n(ValueMarketabilityImpactType = \"Adverse\" OR \"Beneficial\") OR Exists\nDisplay when SiteInfluenceType = “BodyOfWater” AND\n(ValueMarketabilityImpactType = \"Adverse\" OR \"Beneficial\") OR\n(InfluenceMeetsPolicyRequirementsIndicator = \"false\") OR Exists\n\n4.030\n\nCommentary\n\n1500.0257\n\nValuationCommentText\n\nDisplay when exists\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 4 - 6\n\nPage 123\n\nWater Frontage with Private Access\n\nWhen Influence - SiteInfluenceType (UID: 1500.0087, FID: 4.025) <> “BodyOfWater”, Water Frontage with Private Access subsection does not\ndisplay.\n\nWhen Influence - SiteInfluenceType (UID: 1500.0087, FID: 4.025) = “BodyOfWater”, Water Frontage with Private Access must be determined\nfor each body of water.\n\n• When PrivateAccessIndicator (UID: 1500.0075) = ”false” for all bodies of water, this subsection does not display.\n• When PrivateAccessIndicator (UID: 1500.0075) = ”true” for 1 or more body of water, additional information is needed for each\n\ninstance, which displays on a separate row in the Water Frontage with Private Access table:\n"}
diff --git a/chunks/json/5f945d07682600ac083fc64f0c3c3c638067df582038b2419c4dc200c1d76a77.json b/chunks/json/5f945d07682600ac083fc64f0c3c3c638067df582038b2419c4dc200c1d76a77.json
new file mode 100644
index 0000000000000000000000000000000000000000..f7fe5d449deee7546e3b191a5cf4b0d6f4a58228
--- /dev/null
+++ b/chunks/json/5f945d07682600ac083fc64f0c3c3c638067df582038b2419c4dc200c1d76a77.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13744,"char_start":12137,"chunk_id":"chk_bd80d7a9988469b8","chunk_index":11,"chunk_sha256":"5f945d07682600ac083fc64f0c3c3c638067df582038b2419c4dc200c1d76a77","date_utc":"2026-01-27T17:46:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7eca65366e02ac25","text_sha256":"5f945d07682600ac083fc64f0c3c3c638067df582038b2419c4dc200c1d76a77","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type.pdf"]},"text":"8\n\nAtypical Properties\n\nAtypical properties, which do not have a clear mapping are not included in the Legacy Forms Mapping. The URAR fills the gap on the properties that, due to certain property characteristics, did\nnot fit on a legacy form. The new URAR can accommodate the distinct characteristics of each property.\n\n• Properties with more than 1 accessory dwelling unit (ADU)\n• Site condominium\n• Manufactured Home with more than 1 unit\n• Manufactured Home with an additional construction method\n• Manufactured Home - condominium or cooperative\n• Hybrid (independent of property type)\n• Desktop (independent of property type)\n• Condops\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 Housing Finance Agency.\n©2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\n9\n\nAtypical Properties Mapping with Property Characteristics\n\nThis table provides examples of atypical properties with property characteristic mapping. These examples did not have a specific legacy form but are now accommodated with UAD 3.6 and the\nnew dynamic URAR.\n\nAtypical Property Examples\n\nSite Condominium\n\nManufactured Home\nwith more than 1 unit\n\nManufactured Home\nCondominium\n\nManufactured Home\nCooperative\n\nCooperative\n\nCooperative\n\n(Hybrid)\n\n(Desktop)\n\nProperty Valuation Method\n\n(UID: 1000.0158, FID: 1.010)\n\nConstruction Method\n\n(UID: 0300.0034, FID: 1.012)\n\nDoes not apply for High-rise,\nMid-rise, or Low-rise structures.\n\nTraditional\n\nTraditional\n\nTraditional\n\nTraditional\n\nHybrid\n\nDesktop\n\nSite Built\n"}
diff --git a/chunks/json/5fa7a0523c893dc52fea6c113e7fbcdcbfcfda2272a5bff14dde2b140068549c.json b/chunks/json/5fa7a0523c893dc52fea6c113e7fbcdcbfcfda2272a5bff14dde2b140068549c.json
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index 0000000000000000000000000000000000000000..532406d844cbf36b5f978cc6e62004983e9ddb95
--- /dev/null
+++ b/chunks/json/5fa7a0523c893dc52fea6c113e7fbcdcbfcfda2272a5bff14dde2b140068549c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":60800,"char_start":59009,"chunk_id":"chk_d6df521f5b6df5c3","chunk_index":39,"chunk_sha256":"5fa7a0523c893dc52fea6c113e7fbcdcbfcfda2272a5bff14dde2b140068549c","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"5fa7a0523c893dc52fea6c113e7fbcdcbfcfda2272a5bff14dde2b140068549c","token_estimate":448,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"Example 5 Other ethnicity origin types\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n27\n\nSex\n\nSex is reported in the HMDAGenderType data point under a detail structure for a single answer. If the\nborrower checked both Male and Female on the redesigned Form 1003, use the\nApplicantHasSelectedBothMaleAndFemale enumeration. If the borrower did not wish to provide this\ninformation, then use HMDAGenderRefusalIndicator.\n\nRace\n\nRace is reported in the HMDARaceType data point under a repeating structure for multiple answers. If the\nborrower identified with more than one race included in the enumerations list, report each race separately\nunder the repeating container, e.g., Black or African American, White. If the borrower identified as Other\nAsian, e.g., Pakistani, Laotian, etc; or as Other Pacific Islander, e.g., Fijian, Tongan, etc., use the\nHMDARaceDesignationTypeOtherDescription.\n\nIf the borrower identified as a member of an American Indian or Alaska Native tribe, use the\nHMDARaceTypeAddtionalDescription to provide the name of the tribe as in the following example 6:\n\nExample 6 Additional race type description\n\nThe MISMO HMDA Implementation Toolkit v.1.16 on the MISMO.org website is a tool that will help\nimplementers understand the usage of the HMDA data in MISMO.\n\nSection 9: Loan Originator Information\nFHA loans require the Loan Originator Organization Name, Loan Originator Name, and NMLS IDs if the\ninformation is available. Although this information is optional for Conventional loans, DU will collect it,\nif made available.\n\nLender Loan Information\nThis section is used to capture the information completed by the lender on the application. It is important\nto remember that the borrower does not complete any of the data points in this section.\n"}
diff --git a/chunks/json/5fb5dc4b15248a427f8eab1231d1fbd00cfb235ceba96be7e64c1591a4c7a844.json b/chunks/json/5fb5dc4b15248a427f8eab1231d1fbd00cfb235ceba96be7e64c1591a4c7a844.json
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index 0000000000000000000000000000000000000000..f2e2af472aeba98a8bf5c42fd5309cc2deb9328c
--- /dev/null
+++ b/chunks/json/5fb5dc4b15248a427f8eab1231d1fbd00cfb235ceba96be7e64c1591a4c7a844.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8825,"char_start":7108,"chunk_id":"chk_154d62a6f380406a","chunk_index":4,"chunk_sha256":"5fb5dc4b15248a427f8eab1231d1fbd00cfb235ceba96be7e64c1591a4c7a844","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_dec400d1f34836bb","text_sha256":"5fb5dc4b15248a427f8eab1231d1fbd00cfb235ceba96be7e64c1591a4c7a844","token_estimate":427,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Conservatorships_Performance_Goals___Scorecard___U_9epojvk.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# Conservatorships Performance Goals - Scorecard\n\n## Breadcrumb\n\n- [Home](/)\n - [Reports](/reports)\n - Conservatorships Performance Goals - Scorecard\n\nThe purpose of the Conservatorship Scorecard is to ensure that Fannie Mae and Freddie Mac (the Enterprises) and Common Securitization Solutions, LLC (CSS) focus on their core mission responsibilities, operate in a manner appropriate for entities in conservatorships with limited capital buffers, and undertake those activities necessary to support an exit from conservatorship.\n"}
diff --git a/chunks/json/5fbceed4a29ffa48dd16b2cd57a0037f865aeecadbd1cb29039c318f248421b6.json b/chunks/json/5fbceed4a29ffa48dd16b2cd57a0037f865aeecadbd1cb29039c318f248421b6.json
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index 0000000000000000000000000000000000000000..b370e44913b886dcd4519e7ee763c72a2b6ee27e
--- /dev/null
+++ b/chunks/json/5fbceed4a29ffa48dd16b2cd57a0037f865aeecadbd1cb29039c318f248421b6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3792,"char_start":2166,"chunk_id":"chk_bfc9b23b123a1d61","chunk_index":1,"chunk_sha256":"5fbceed4a29ffa48dd16b2cd57a0037f865aeecadbd1cb29039c318f248421b6","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"5fbceed4a29ffa48dd16b2cd57a0037f865aeecadbd1cb29039c318f248421b6","token_estimate":407,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"(HMDA), and sets out the privacy\nprotections for the HMDA data. The\nOrder also adds geographic indicators\nrelated to the Enterprise Duty to Serve\nprogram to the Enterprise PUDB to\nprovide greater transparency to the\npublic about the Enterprises’ Duty to\nServe activities. All the data\nspecifications set out in the Order apply\nto future annual PUDB releases, until\nfurther modified by FHFA. A new 2018\nPUDB will be released by FHFA\ncontaining the data elements added by\nthe Order, replacing an interim PUDB\nreleased on September 23, 2019 that\ndoes not include the new HMDA data\nelements or Duty to Serve geographic\nindicators. The revised matrices setting\nout the PUDB data requirements and\nprivacy and proprietary protection\nmodifications are available on FHFA’s\nwebsite at https://www.fhfa.gov/\nDataTools/Downloads/Pages/Public-\nUse-Databases.aspx. The expansion of\nthe PUDB data requirements will\nenhance transparency about the\nEnterprises’ mortgage purchase\nactivities.\nDATES: The Order is applicable May 27,\n2020.\nFOR FURTHER INFORMATION CONTACT: For\nquestions on data or methodology,\ncontact Ian Keith, Senior Program\nAnalyst, (202) 649–3114, Ian.Keith@\nfhfa.gov; for legal questions, contact\nMaura Dundon, Assistant General\nCounsel, (202) 649–3961,\nMaura.Dundon@fhfa.gov, or Sharon\nLike, Managing Associate General\nCounsel, (202) 649–3057, Sharon.Like@\nfhfa.gov (these are not toll-free\nnumbers); Federal Housing Finance\nAgency, 400 Seventh Street SW,\nWashington, DC 20219. The\nTelecommunications Device for the Deaf\nis (800) 877–8339.\nSUPPLEMENTARY INFORMATION:\n\nI. Background\n\nA. Statutory and Regulatory\nRequirements\n"}
diff --git a/chunks/json/5fbf71509d1eebd8a625f52daed924a2c2fd1038f32045cc7157f6238142df97.json b/chunks/json/5fbf71509d1eebd8a625f52daed924a2c2fd1038f32045cc7157f6238142df97.json
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index 0000000000000000000000000000000000000000..bffa5cd721a06733a0f11676253572a7ae197e63
--- /dev/null
+++ b/chunks/json/5fbf71509d1eebd8a625f52daed924a2c2fd1038f32045cc7157f6238142df97.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":74503,"char_start":72917,"chunk_id":"chk_743bf5bd98da3db0","chunk_index":89,"chunk_sha256":"5fbf71509d1eebd8a625f52daed924a2c2fd1038f32045cc7157f6238142df97","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"5fbf71509d1eebd8a625f52daed924a2c2fd1038f32045cc7157f6238142df97","token_estimate":407,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Parcel table\n\n•\n\n“Assessor Parcel Number (APN),” “APN Description,” “Parcel Size”— set as TCH in 3 equal\nwidth column table set full width (45 picas).\n\n• Content sets as TB (~60 characters max per line in each cell).\n\nPARCEL TABLE\n\nLeft-hand side of page\n\n• Zoning: “Zoning” sets as TXR-B on a line by itself, in left column.\n\no “Compliance,” “Classification Code,” “Classification Code Description,” “Reasons\nIllegal,” “Impact,” “Rebuildable to Current Density/Use” set as TXR-I, TXR.\n\no “Description of Zoning Compliance” text sets as TXC-B1 (bold lead in to Myriad Pro\n\nRegular text).\n\nAppendix E: Report Style Guide\n\nPage 37 of 90\n\nVersion 1.4\n\n• Property Use: “Property Use” sets as TXR-B, on A line by itself (below Zoning information on\n\nleft).\n\no “Primarily Residential,” “Residential Use,” “Non-Residential Use,” “Non-Residential\n\nModification,” set as TXR-I, TXR.\n\no “Description of Non-Residential Use/Modification” sets as TXC-B1 (bold lead in to\n\nMyriad Pro Regular text).\n\nRight-hand side of page\n\n• Property Access: “Property Access” sets as TXR-B, on a line by itself (sets top right-hand\n\ncolumn).\n\no “Primary Access,” “Street Type and Surface,” “Known Maintenance Agreement,”\n\n“Typical for Market” set as TXR-I, TXR.\n\no “Description of Property Access” text sets as TXC-B1 (bold lead in to Myriad Pro\n\nRegular text) in right column.\n\nSite Influence (H1)\n\nSite Influence table\n\n•\n\n“Influence,” “Proximity,” “Detail,” “Impact,” “Comment” — set as TCH in a 5 equal column\ntable set full width (45 picas).\n\n• Content sets as TB (~36 characters max per line in each cell).\n"}
diff --git a/chunks/json/5fe2410d517a9e6d26d33c8d3a490297874c358f13957f19fbbc3208e6d9e8de.json b/chunks/json/5fe2410d517a9e6d26d33c8d3a490297874c358f13957f19fbbc3208e6d9e8de.json
new file mode 100644
index 0000000000000000000000000000000000000000..2a30da5298b4e1614f7bf9260e9b1b0bd79c004a
--- /dev/null
+++ b/chunks/json/5fe2410d517a9e6d26d33c8d3a490297874c358f13957f19fbbc3208e6d9e8de.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":876,"char_start":0,"chunk_id":"chk_8f6d05a0641e2ca1","chunk_index":0,"chunk_sha256":"5fe2410d517a9e6d26d33c8d3a490297874c358f13957f19fbbc3208e6d9e8de","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cd6e3db00cd8fd48","text_sha256":"5fe2410d517a9e6d26d33c8d3a490297874c358f13957f19fbbc3208e6d9e8de","token_estimate":219,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/pe-whole-loan-integration-impact-memo-sept-29-2022.pdf"]},"text":"30 Year Fixed Rate – Second Home specified product option\ncoming to PE – Whole Loan\n\nIntegration Impact Memo\n\nSeptember 29, 2022\n\nBeginning Thursday, September 29, a new 30 Year Fixed Rate – Second Home specified product option will be available for\ncommitting in Pricing & Execution - Whole Loan® (PE - Whole Loan®):\n\n• 30 Year Fixed Rate – Second Home product code: 222030\n\nThe product mapping guide has been updated.\n\nThis new specified product option is available in our test environment. Committing second home loans into this new specified\nproduct option is not required.\n\nPlease use the following endpoints for testing:\n\n• Browse Price: https://api-clve.fanniemae.com/soap/BrowsePriceB2BService\n• Commitment: https://api-clve.fanniemae.com/soap/CommitmentB2BService\n\nQuestions? Please email the PE - Whole Loan Integrations Team.\n\n© 2022 Fannie Mae 9.27.22 Page 1 of 1\n"}
diff --git a/chunks/json/5fe31198e47eaa0ba74d2b950312eca68cabe99690aadc0f2f978c0b4fc774cc.json b/chunks/json/5fe31198e47eaa0ba74d2b950312eca68cabe99690aadc0f2f978c0b4fc774cc.json
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index 0000000000000000000000000000000000000000..00c557e475136a136d9cfb391322e2645dff65b2
--- /dev/null
+++ b/chunks/json/5fe31198e47eaa0ba74d2b950312eca68cabe99690aadc0f2f978c0b4fc774cc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15383,"char_start":8325,"chunk_id":"chk_72eae2c959e47048","chunk_index":5,"chunk_sha256":"5fe31198e47eaa0ba74d2b950312eca68cabe99690aadc0f2f978c0b4fc774cc","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_751549225b5f2639","text_sha256":"5fe31198e47eaa0ba74d2b950312eca68cabe99690aadc0f2f978c0b4fc774cc","token_estimate":1070,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Sitemap___FHFA_bmxe9.md","exceeds_max_chunk_chars_truncated"]},"text":"- About - About FHFA - [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 - Supervision & Regulation - [Advisory Bulletins](/advisory-bulletin)\n - [Dodd-Frank Act Stress Tests (DFAST)](/supervision/dodd-frank-act-stress-tests)\n - [​Examiner Resources](/supervision/examiner-resources)\n - [Fannie Mae & Freddie Mac](/supervision/fannie-mae-and-freddie-mac)\n - [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system)\n - [Legal Documents & Suspensions](/supervision/legal-documents)\n - [LIBOR Transition](/supervision/libor-transition)\n - [Rulemaking and Federal Register](/regulation/rulemaking)\n - [Suspended Counterparty Program](/regulation/suspended-counterparty-program)\n - Policy & Programs - [Policy](/policy) - [Affordable Housing Allocations](/policy/enterprise-affordable-housing-allocations)\n - [Common Securitization Platform](/policy/single-security-initiative-and-common-securitization-platform)\n - [Credit Risk Transfer](/policy/credit-risk-transfer)\n - [Credit Scores](/policy/credit-scores)\n - [Deemed-Issuance Ratio](/policy/deemed-issuance-ratio)\n - [Executive Compensation](/policy/executive-compensation)\n - [Guarantee Fees](/policy/guarantee-fees)\n - [Language Access](/policy/language-access)\n - [Mortgage Servicing](/policy/mortgage-servicing)\n - [Multifamily Businesses](/policy/enterprise-multifamily-businesses)\n - [Non-Performing and Re-Performing Loan Sales](/policy/non-performing-re-performing-loan-sales)\n - [Pilot Transparency](/policy/pilot-transparency)\n - [Private Mortgage Insurer Eligibility Requirements](/policy/pmiers)\n - [Representation and Warranty Framework](/policy/representation-and-warranty-framework)\n - [Programs](/programs) - [Affordable Housing & Community Investment](/programs/affordable-housing)\n - [Duty to Serve](/programs/duty-to-serve)\n - [Enterprise Housing Goals](/programs/enterprise-affordable-housing-goals)\n - [Financial Technology](/programs/fintech)\n - [Fraud Prevention](/programs/fraud-prevention)\n - [Housing Finance Examiner Commission Program](/programs/housing-finance-examiner-commission)\n - [Loss Mitigation](/programs/loss-mitigation)\n - [National Mortgage Database](/programs/nmdb)\n - [Natural Disaster Risk](/programs/natural-disaster-risk)\n - [Neighborhood Stabilization Initiative](/programs/neighborhood-stabilization-initiative)\n - [Suspended Counterparty Program](/regulation/suspended-counterparty-program)\n - Data & Research - [Data](/data) - [Borrower Assistance Map](/data/dashboard/borrower-assistance-map)\n - [Conforming Loan Limit](/data/conforming-loan-limit)\n - [Dashboards](/data/dashboard)\n - [Data Governance](/data/data-governance-resources)\n - [Duty to Serve Eligibility Data](/data/duty-to-serve/eligibility-data)\n - [Duty to Serve Performance Data](/data/duty-to-serve/performance-data)\n - [​Enterprise Housing Goals](/data/enterprise-housing-goals)\n - [​Fair Lending Data](/data/fair-lending)\n - [FHFA House Price Index®](/data/hpi)\n - [FHLB Membership Data](/data/fhlb-membership)\n - [NMDB® Aggregate Statistics](/data/nmdb)\n - [NSMO Public Use File](/data/nsmo)\n - [Public Use Databases](/data/pudb)\n - [FHLB Stress Tests](/data/fhlb-stress-tests)\n - [Market Data](/data/market-data)\n - [Market Risk Scenarios](/data/fhlb-stress-tests/market-risk-scenarios)\n - [MIRS Transition Index](/data/mirs)\n - [UAD Appraisal-Level Public Use File](/data/uad/puf)\n - [UAD Aggregate Statistics](/data/uad)\n - [Underserved Areas Data](/data/underserved-areas)\n - [Resea\n"}
diff --git a/chunks/json/5ffca228179a8ef22e0b4e2ba95ef82e31f0a4ff4e2911f890813ac56b7ac72b.json b/chunks/json/5ffca228179a8ef22e0b4e2ba95ef82e31f0a4ff4e2911f890813ac56b7ac72b.json
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index 0000000000000000000000000000000000000000..f7f1c2bd60960be0df4448751dfc1c800c117b34
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+++ b/chunks/json/5ffca228179a8ef22e0b4e2ba95ef82e31f0a4ff4e2911f890813ac56b7ac72b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":245457,"char_start":243858,"chunk_id":"chk_baa407f43699d818","chunk_index":224,"chunk_sha256":"5ffca228179a8ef22e0b4e2ba95ef82e31f0a4ff4e2911f890813ac56b7ac72b","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"5ffca228179a8ef22e0b4e2ba95ef82e31f0a4ff4e2911f890813ac56b7ac72b","token_estimate":400,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"•\n• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 9.027.2) display caption if\n\nprovided.\n\nPage 175\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n10 Unit Interior – [Outbuilding Type] – [Structure Identifier] – [Unit Identifier]\n\nPage 176\n\nThe Unit Interior section describes the interior of each unit (including an ADU) and provides space for commentary and exhibits to support\nthe description, and to report any defects, damages, or deficiencies.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 177\n\nThe Unit Interior section always displays.\n\n• When there is a single living unit (LivingUnitExcludingADUCount = 1 AND AccessoryDwellingUnitTotalCount = 0), the Unit Interior\n\nsection displays after the Dwelling Exterior section.\n\n• When there are multiple living units (LivingUnitExcludingADUCount > 1 AND AccessoryDwellingUnitTotalCount = 0), the section\n\ndisplays after the applicable Dwelling Exterior section. Reference the Appendix D-1: 2- to 4-Unit Sample Scenario for an example.\n\n• When there are ADUs (AccessoryDwellingUnitTotalCount > 0)\n\n•\n•\n\nIn a dwelling, the section displays after the applicable Dwelling Exterior section. Reference Appendix D-1: SF4 for an example.\nIn an outbuilding, the section displays after the applicable Outbuilding section. Reference Appendix D-1: SF3 for an example.\n\nThe Unit Interior section header provides context as to where the unit is located. (Figure 10 - 1)\n\nFigure 10 - 1\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point/Attribute Name\n\nDisplay Rules\n\nUnit Interior: Section Header\n"}
diff --git a/chunks/json/600b447184a99a9b4b106cfcd61c650a17f71166630c59731b06352826801c4e.json b/chunks/json/600b447184a99a9b4b106cfcd61c650a17f71166630c59731b06352826801c4e.json
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index 0000000000000000000000000000000000000000..89bafd196902e4e7f930b1c51e805932227f7c56
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+++ b/chunks/json/600b447184a99a9b4b106cfcd61c650a17f71166630c59731b06352826801c4e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":85122,"char_start":83390,"chunk_id":"chk_5819494c15fb03c8","chunk_index":128,"chunk_sha256":"600b447184a99a9b4b106cfcd61c650a17f71166630c59731b06352826801c4e","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"600b447184a99a9b4b106cfcd61c650a17f71166630c59731b06352826801c4e","token_estimate":433,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Market\n\nProject Information\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nAlways\n\nAlways\n\nAlways\n\nAlways\n\nAlways\n\nWhen the property is in a project (condominium,\ncondop, cooperative) or in a PUD\n\nNever\n\nNever\n\nNever\n\nNever\n\nNever\n\nNever\n\nSection # Section Header\n\nWhen Section Displays on Report\n\nWhen Section Displays Multiple Times\n\nPage 27\n\n19\n\n20\n\n21\n\nSubject Listing Information\n\nAlways\n\nSales Contract\n\nWhen there is an active sales contract\n\nPrior Sale and Transfer History\n\nAlways\n\n22\n\nSales Comparison Approach\n\nWhen applicable\n\nNote: Although most appraisals include the Sales\nComparison Approach, there are cases where this\nsection would not be included.\n\n23\n\n24\n\n25\n\n26\n\n27\n\n28\n\n29\n\nRental Information\n\nWhen applicable\n\nIncome Approach\n\nWhen applicable\n\nCost Approach\n\nReconciliation\n\nWhen applicable\n\nAlways\n\nRevision History\n\nWhen applicable\n\nSupplemental Information\n\nWhen applicable\n\nCertifications and Scope of Work\n\nAlways\n\nNever\n\nNever\n\nNever\n\nNever\n\nNever\n\nNever\n\nNever\n\nNever\n\nNever\n\nNever\n\nNever\n\nCondition and Quality Rating Definitions may be appended at the end of the appraisal report so that users and readers of appraisal reports\nare able to understand the standardized ratings. These are available on the GSE websites in Condition and Quality Rating Definitions and in\nAppendix F-1: URAR Reference Guide in Appendix 2: Condition and Quality Rating Definitions.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nMISMO XML Version 3.6\n\nMany MISMO v3.6 data points and containers are reusable and may show up in several different locations within one XML file. The location\nor context in which a data point is used must be known to fully understand the business meaning. The location is expressed using the\n"}
diff --git a/chunks/json/600f73fdba2049ec6c791f6ed208b41e6f1072c4f64c2f2f709940bd3dacdf87.json b/chunks/json/600f73fdba2049ec6c791f6ed208b41e6f1072c4f64c2f2f709940bd3dacdf87.json
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index 0000000000000000000000000000000000000000..9f9408f6911647d4b4e83a2cb6446dbc5f50b032
--- /dev/null
+++ b/chunks/json/600f73fdba2049ec6c791f6ed208b41e6f1072c4f64c2f2f709940bd3dacdf87.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":142542,"char_start":140943,"chunk_id":"chk_bed96079fbbc06dd","chunk_index":83,"chunk_sha256":"600f73fdba2049ec6c791f6ed208b41e6f1072c4f64c2f2f709940bd3dacdf87","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"600f73fdba2049ec6c791f6ed208b41e6f1072c4f64c2f2f709940bd3dacdf87","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Uniform 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\nFee Simple\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\nThe MI5 | Yes\n\nABC Estates | No\n\nThe Arena | No\n\n$604\n\n$525\n\n$475\n\n—\n\n—\n\n—\n\n—\n\n—\n\nAttached\n\nFee Simple\n\nThe MI5\n\n$604\n\nCommon Amenities/Services\n\nBuilt-in Pool | Inground\nSpa | Unit Storage\n\nBuilt-in Pool | Inground\nSpa | Unit Storage\n\nInground Pool | Inground Spa\n\nInground Pool\n\nSpecial Assessments\n\nExisting\n\nExisting\n\nNone\n\nProposed\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"}
diff --git a/chunks/json/601e83714c72bfe60c2d7c6773bde58b54d37f8f9c4d1ba0b6058b089b39e7d7.json b/chunks/json/601e83714c72bfe60c2d7c6773bde58b54d37f8f9c4d1ba0b6058b089b39e7d7.json
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index 0000000000000000000000000000000000000000..80c21d2512c0630a50e748546dff0f008a7fe076
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+++ b/chunks/json/601e83714c72bfe60c2d7c6773bde58b54d37f8f9c4d1ba0b6058b089b39e7d7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":4135,"char_start":1635,"chunk_id":"chk_132a6328e5fc651b","chunk_index":1,"chunk_sha256":"601e83714c72bfe60c2d7c6773bde58b54d37f8f9c4d1ba0b6058b089b39e7d7","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_30e2abb2fda31f0c","text_sha256":"601e83714c72bfe60c2d7c6773bde58b54d37f8f9c4d1ba0b6058b089b39e7d7","token_estimate":624,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae3.md"]},"text":"UAD 3.6 and Forms Redesign: Inspection and Reporting Tips: Oct. 21, 2025\n\nThe Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team created the [UAD Inspection and Reporting Tips](/media/document/pdf/uad-36-inspection-and-reporting-tips) document to highlight notable differences in information collected between the legacy forms (UAD 2.6) and the redesigned URAR (UAD 3.6).\n\nAppraisers can use the Inspection and Reporting Tips document as a job aid when completing appraisal assignments using UAD 3.6. It focuses on new information requirements when physically inspecting the property or when researching property information and completing the URAR.\n\nVisit 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 webpages to view all UAD resources.\n\nUAD 3.6 Compliance Rules Update - URAR, Restricted Appraisal Update Report, and Completion Report: Sept. 16, 2025\n\nThe Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team has updated the UAD Compliance Rules for the Uniform Residential Appraisal Report (URAR), Restricted Appraisal Update Report, and Completion Report.\n\n**Summary of Changes**\n\n- **Severity Level Changes:**Effective January 26, 2026, the severity level for certain rules applicable to the Restricted Appraisal Update Report and Completion Report will be updated. For details, see [Appendix H-2](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report) and [Appendix H-3](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) on 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) UAD webpages. With the implementation of UAD 3.6, Restricted Appraisal Update Reports and Completion Reports must be submitted to the Uniform Collateral Data Portal® (UCDP® ) as referenced in Fannie Mae’s [*Selling Guide* Supplement: UAD 3.6 Policy](/media/document/pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy) and Freddie Mac’s*Single-Family Seller/Servicer Guide* (Guide)[Bulletin 2025-7](https://guide.freddiemac.com/app/guide/bulletin/2025-7).\n- **URAR:**Note update to one rule – see [Appendix H-1](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar).\nIf you have questions, please contact your GSE account representative.\n"}
diff --git a/chunks/json/602122a9dfc0be02f2cd566e8c7ef6a47879027bf4ed5fac90f58dc726f8b69a.json b/chunks/json/602122a9dfc0be02f2cd566e8c7ef6a47879027bf4ed5fac90f58dc726f8b69a.json
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index 0000000000000000000000000000000000000000..430747a7cb0bf2659859e5b6dd40ac7e29bf2fb1
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+++ b/chunks/json/602122a9dfc0be02f2cd566e8c7ef6a47879027bf4ed5fac90f58dc726f8b69a.json
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+{"chunk":{"char_end":777912,"char_start":776247,"chunk_id":"chk_3542d2951257775f","chunk_index":463,"chunk_sha256":"602122a9dfc0be02f2cd566e8c7ef6a47879027bf4ed5fac90f58dc726f8b69a","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"602122a9dfc0be02f2cd566e8c7ef6a47879027bf4ed5fac90f58dc726f8b69a","token_estimate":417,"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\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\nSmall rooms typically with flat ceilings,\nminimal trim or finishes of basic design.\nEconomy floor coverings that meet\nminimum standards.\nSmall kitchens featuring economy-grade\nappliances, cabinetry, and countertops or a\nmix of standard and economy grade.\nBathrooms that are limited in size and\nnumber, and feature economy-grade\ncabinetry and plumbing fixtures or a\nmixture of economy and standard-grade\nelements.\n"}
diff --git a/chunks/json/60248ced7e261e2eb79d7b8c5a1b1a4275341e74415885285b5bede7fa1edd46.json b/chunks/json/60248ced7e261e2eb79d7b8c5a1b1a4275341e74415885285b5bede7fa1edd46.json
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index 0000000000000000000000000000000000000000..9495b1b6a7fc76446e90792c16a8969b5d26639f
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+++ b/chunks/json/60248ced7e261e2eb79d7b8c5a1b1a4275341e74415885285b5bede7fa1edd46.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11773,"char_start":10146,"chunk_id":"chk_867b59bdc27fbbfc","chunk_index":6,"chunk_sha256":"60248ced7e261e2eb79d7b8c5a1b1a4275341e74415885285b5bede7fa1edd46","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_755fd4ce20691826","text_sha256":"60248ced7e261e2eb79d7b8c5a1b1a4275341e74415885285b5bede7fa1edd46","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Duty_to_Serve_Program___FHFA_rjdacs.md"]},"text":"[![Letter with Checkmark icon](/sites/default/files/2025-11/currenteval.png)\n\n### Evaluation Guidance](/document/dts-evaluation-guidance-2025-8.pdf)\n\n[![House Icon](/sites/default/files/2025-11/housing.png)\n\n### Annual Housing Report](/reports/annual-housing-report)\n\n[![Congressional Building Icon](/sites/default/files/2025-11/reportcongress.png)\n\n### Annual Report to Congress](/reports/annual-report-to-congress)\n\n## Data and Tools\n\nImage\n\n![2021 Duty to Serve Single Family Dashboard Thumbnail](/sites/default/files/styles/large/public/2023-06/2021-dts-single-family-dashboard-thumbnail_0.jpg?itok=0omzeOPY)\n\nAccess datasets and interactive maps​ on the [DTS Eligibility Data Page](/data/duty-to-serve/eligibility-data) or DTS-qualifying rural areas, Indian areas, high opportunity areas, and areas of concentrated poverty. Also, access information and dashboards on the [DTS Performance Data Page](/data/duty-to-serve/performance-data).\n\n[2024 DTS Single-Family Dashboard](/data/dashboard/dts/single-family/2024)\n\nThe 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\n[2024 DTS Multifamily Dashboard](/data/dashboard/dts/multifamily/2024)\n\nThe Multifamily Dashboard is an interactive map that looks at the number of multifamily units supported by Enterprise loans that meet DTS income requirements for multifamily objectives in the Affordable Housing Preservation, Manufactured Housing, and Rural Housing markets.\n\n## ​We Want to Hear From You\n"}
diff --git a/chunks/json/603610b0f8874b683e15e548f00a6914af6f21a39e4e558b3215778f370ddcdd.json b/chunks/json/603610b0f8874b683e15e548f00a6914af6f21a39e4e558b3215778f370ddcdd.json
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index 0000000000000000000000000000000000000000..299ec14cf0fca93a5319b101e2053898920d20b6
--- /dev/null
+++ b/chunks/json/603610b0f8874b683e15e548f00a6914af6f21a39e4e558b3215778f370ddcdd.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":100462,"char_start":98688,"chunk_id":"chk_ccca316d322d2c35","chunk_index":137,"chunk_sha256":"603610b0f8874b683e15e548f00a6914af6f21a39e4e558b3215778f370ddcdd","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"603610b0f8874b683e15e548f00a6914af6f21a39e4e558b3215778f370ddcdd","token_estimate":443,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"o Clients, Lenders, AMCs, and other parties as identified by the appraiser\n\no Appraiser and Supervisory Appraiser\n\no Person(s) providing significant real property appraisal assistance\n\no Entity providing a property data report\n\nPARTY Element\n\nThe PARTY container will be leveraged to capture information about various parties associated with the appraisal. Information about each\nparty involved in the appraisal must be provided in a separate instance of a PARTY container. Party information such as the address, contact\ninformation, license details, and the role(s) played by the given party must be provided as indicated in the URAR Delivery Specification\ndocument.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 42\n\nINDIVIDUAL/LEGAL_ENTITY Element\n\nThe INDIVIDUAL and LEGAL_ENTITY containers are part of the XML schema choice group in the PARTY container. XML schema choice group\ncontains a list of mutually exclusive elements, i.e., it allows only one of the elements contained in the choice group to be present in an\ninstance of the parent container. As INDIVIDUAL and LEGAL_ENTITY containers are part of the choice group, only one of these containers\nmust be included, but not both, in an instance of the PARTY container. The INDIVIDUAL container must be used when the party being\nreferenced is an individual and the LEGAL_ENTITY container must be used when the party being referenced is a legal entity. Refer to the\nURAR Delivery Specification document for mapping details.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n•\n\nIf the party being referenced is an individual, the FirstName and LastName of this party must be provided in the INDIVIDUAL\ncontainer. For example, first name and last name of the appraiser are provided in the INDIVIDUAL/NAME container.\n"}
diff --git a/chunks/json/603da21bdcca59d380839fc0dec22cf6fe2163a2ea4eb44cc8a6491756dd023e.json b/chunks/json/603da21bdcca59d380839fc0dec22cf6fe2163a2ea4eb44cc8a6491756dd023e.json
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index 0000000000000000000000000000000000000000..21da1c27bbf8c53d224a1c4d709fe27b7eb455a6
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+++ b/chunks/json/603da21bdcca59d380839fc0dec22cf6fe2163a2ea4eb44cc8a6491756dd023e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":310446,"char_start":308824,"chunk_id":"chk_4620a1a4ef5454dd","chunk_index":263,"chunk_sha256":"603da21bdcca59d380839fc0dec22cf6fe2163a2ea4eb44cc8a6491756dd023e","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"603da21bdcca59d380839fc0dec22cf6fe2163a2ea4eb44cc8a6491756dd023e","token_estimate":405,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Always displays\n\n17.004\n\nSearch Criteria Description\n\n3000.0010\n\nMarketInventorySearchParameterDescription\n\nAlways displays\n\nMarket: General Information\n\nSearch Results Metrics\n\nThe Search Results Metrics subsection always displays. (Figure 17 - 1)\n\nActive Listings\n\nMarket: Search Result Metrics\n\nDisplay Rules\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay when MarketInventoryType (UID: 3000.0023, FID: Not on report) =\n\"ActiveListings\" AND…\nAlways displays\n\n17.005\n\nActive Listings\n\n3000.0018 MarketInventoryCount\n\nDeliver even if zero.\n\n17.006\n\nMedian Days on Market 3000.0021 MarketInventoryMedianDaysOnMarketCount\n\n… AND MarketInventoryCount > 0\n\n17.007\n\nLowest List Price\n\n3000.0020 MarketInventoryLowestPriceAmount\n\n… AND MarketInventoryCount > 0\n\n17.008\n\nMedian List Price\n\n3000.0022 MarketInventoryMedianPriceAmount\n\n… AND MarketInventoryCount > 0\n\n17.009\n\nHighest List Price\n\n3000.0019 MarketInventoryHighestPriceAmount\n\n… AND MarketInventoryCount > 0\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 17 - 1\n\nPage 236\n\n▪ When there are no active listings, the report labels Median days on Market, Lowest List Price, Median List Price, and Highest List Price\n\ndo not display. (Figure 17 - 2)\n\nFigure 17 - 2\n\nPending Sales\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\n17.010\n\nPending Sales\n\n3000.0024 MarketInventoryCount\n\nAlways display when MarketInventoryType (UID: 3000.0025, FID: Not on report)\n= \"PendingSales\"\n\nDeliver even if zero.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 17 - 3\n\nPage 237\n\nSales within the lookback period\n"}
diff --git a/chunks/json/60436a243393c826ad963eed2040f4690e2bcb30adadde5afe873326854e9a1f.json b/chunks/json/60436a243393c826ad963eed2040f4690e2bcb30adadde5afe873326854e9a1f.json
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index 0000000000000000000000000000000000000000..981c423650c1a9a66add9703460cb8b4e7eaadac
--- /dev/null
+++ b/chunks/json/60436a243393c826ad963eed2040f4690e2bcb30adadde5afe873326854e9a1f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1734,"char_start":0,"chunk_id":"chk_17dd60671e0b6a97","chunk_index":0,"chunk_sha256":"60436a243393c826ad963eed2040f4690e2bcb30adadde5afe873326854e9a1f","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6ecfd9b9b751070e","text_sha256":"60436a243393c826ad963eed2040f4690e2bcb30adadde5afe873326854e9a1f","token_estimate":529,"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":"---\nsource_url: \"https://www.fhfa.gov/reports/annual-housing-report\"\ndate_accessed: \"2026-01-27T17:47:55.848Z\"\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/604a3a5e6fbdfd559d6c665741112e2a2547c6b2bcba71dec9e3d0fec81fcc79.json b/chunks/json/604a3a5e6fbdfd559d6c665741112e2a2547c6b2bcba71dec9e3d0fec81fcc79.json
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index 0000000000000000000000000000000000000000..f743bc50878369677050689b37d7fbd19f742acb
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+++ b/chunks/json/604a3a5e6fbdfd559d6c665741112e2a2547c6b2bcba71dec9e3d0fec81fcc79.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":335273,"char_start":333666,"chunk_id":"chk_06f6a9bbb7dabd56","chunk_index":193,"chunk_sha256":"604a3a5e6fbdfd559d6c665741112e2a2547c6b2bcba71dec9e3d0fec81fcc79","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"604a3a5e6fbdfd559d6c665741112e2a2547c6b2bcba71dec9e3d0fec81fcc79","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Public\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) - Site Influence - View\n\nSite Influence - Park\n\nThis is where the Park photo would display.\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 4 of 20\n\nSketch\n\nMeasurement Standard\n\nANSI\n\nFloor Plan\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 5 of 20\n\nDwelling Exterior\n\nSubject Property Units in\nStructure\nDwelling Style\nFront Door Elevation\nYear Built\nConstruction Method\n\nConverted Area\n\n1\nRanch\n2-3 Ft.\n2020\nManufactured\nSite Built\nNone\n\nQuality and Condition\n\nExterior Quality Rating\n\nQ3\n\nExterior Condition Rating\n\nC2\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\nAluminum | Synthetic Stone\n\nPoured Concrete | Crawl\nSpace\n\nAsphalt\nEstimated Age: 1-10 years\n\nQuality Comment\n\nThe subject has a crawl space\nset on a poured concrete\nperimeter footer.\n\nCondition Status\nNew or Like New\n\nNew or Like New\n\n30+ year asphalt shingle roof. New or Like New\n\nCondition Comment\n\nThe roof was installed\nat manufacturing and\ninstallation/set-up 2 years\nago and is in like new\ncondition.\n"}
diff --git a/chunks/json/6051c4306a3317bef2c33bf073c84ef0fa2f14e2fd873b913e8ef3f106398148.json b/chunks/json/6051c4306a3317bef2c33bf073c84ef0fa2f14e2fd873b913e8ef3f106398148.json
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index 0000000000000000000000000000000000000000..8a1e3bf1e2191ee4cedc08014dd4053d7f3e89ee
--- /dev/null
+++ b/chunks/json/6051c4306a3317bef2c33bf073c84ef0fa2f14e2fd873b913e8ef3f106398148.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":42552,"char_start":40876,"chunk_id":"chk_6873f3b08552ea69","chunk_index":16,"chunk_sha256":"6051c4306a3317bef2c33bf073c84ef0fa2f14e2fd873b913e8ef3f106398148","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_bfc6a9e859d5b23f","text_sha256":"6051c4306a3317bef2c33bf073c84ef0fa2f14e2fd873b913e8ef3f106398148","token_estimate":440,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_ubpw4r.md"]},"text":"[Watch Video](https://youtu.be/A-7GhWtLLBo)\n\n[See Infographic](/media/document/pdf/uad-infographic)\n\n![image](/sites/g/files/koqyhd181/files/styles/scale_2000/public/2021-01/uad_promo_video_thumbnail.png?itok=wv0ADQkJ)\n\n## []()**UAD 2.6 and Resources**\n\n##### Legacy Documentation\n\nThe forms and mapping below support the current UAD. See UAD documentation above for UAD 3.6 documents.\n\n- [UAD 2.6 FAQs](/media/document/pdf/faqs-uniform-appraisal-dataset-uad)\n- [Legacy UAD Compliance Rules](/media/document/xls/uad-compliance-rules)\n- [Legacy UAD Specification Guide](/media/document/pdf/uad-specification-guide)\n- [Legacy UAD Specification: Appendix A | GSE Appraisal Forms Mapping (.pdf)](/media/document/pdf/uad-specification-appendix-gse-appraisal-forms-mapping)\n- [Legacy UAD Specification: Appendix B | GSE Appraisal Forms Mapping (.xls)](/media/document/xlsx/uad-specification-appendix-b-gse-appraisal-forms-mapping-xls)\n- [Legacy UAD Specification: Appendix C | Appraisal Forms with Numbered Fields](/media/document/zip/uad-specification-appendix-c-appraisal-forms-numbered-fields)\n- [Legacy UAD Specification: Appendix D | Field-Specific Standardization Requirements](/media/document/pdf/uad-specification-appendix-d-field-specific-standardization-requirements)\n\n##### Related Links\n\n- [Appraisers](/learning-center/applications/appraisers-property-underwriting)\n - [Technology Integration](/technology-integration/technology-integration-resources)\n - [UMDP Disclaimer and Limitation on Liability](/media/document/pdf/umdp-disclaimer-and-limitation-liability)\n - [Uniform Mortgage Data Program (UMDP](/delivering/uniform-mortgage-data-program)[)](/node/2811)\n"}
diff --git a/chunks/json/6058d16344b83f6b41ec471e49b2596adf21d7f7d797b24d9fab33deb5b8097c.json b/chunks/json/6058d16344b83f6b41ec471e49b2596adf21d7f7d797b24d9fab33deb5b8097c.json
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index 0000000000000000000000000000000000000000..8b81f02cadcbce98129a25dfabe9e8b877e5ab84
--- /dev/null
+++ b/chunks/json/6058d16344b83f6b41ec471e49b2596adf21d7f7d797b24d9fab33deb5b8097c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12635,"char_start":10993,"chunk_id":"chk_76d9018b3308085f","chunk_index":6,"chunk_sha256":"6058d16344b83f6b41ec471e49b2596adf21d7f7d797b24d9fab33deb5b8097c","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"6058d16344b83f6b41ec471e49b2596adf21d7f7d797b24d9fab33deb5b8097c","token_estimate":411,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"11 For example, as discussed below in Section\nII.B.1, the PUDB includes Enterprise Application\nChannel data, although it does not completely align\nwith the Application Channel data in the CFPB’s\npublic dataset.\n\npolicymakers to monitor Enterprise\nactivities. The differences between the\nPUDB and the CFPB’s dataset published\nunder Regulation C reflect Congress’s\nintent that the PUDB supplement\nHMDA.12\n\nWhile the Enterprises are in\n\nconservatorship, FHFA has\nimplemented the Safety and Soundness\nAct to require the Enterprises to provide\nto FHFA only the data they collect from\ntheir loan sellers as part of their\nestablished mortgage purchasing\nactivities.13\n\nIn 2010, FHFA added HMDA data\nelements to the PUDB to implement the\nSafety and Soundness Act\nrequirement.14 In 2018, new definitions\nfor HMDA data elements added by the\nCFPB to Regulation C took effect. As a\nresult, new Enterprise data elements\nthat generally conform to the HMDA\ndefinitions must be added to the PUDB\nstarting with the PUDB released in 2019\nthat contains 2018 data (2018 PUDB).\nFHFA reviewed the data collected by\nthe Enterprises from their loan sellers in\n2018 and identified the HMDA data\nelements to be disclosed starting with\nthe 2018 PUDB. These data\nspecifications will apply to future PUDB\nannual releases, until further modified\nby FHFA.\n\nB. Structure of the PUDB\n\nThe PUDB is a loan-level dataset\ncontaining data elements related to the\nsingle-family and multifamily loans\nacquired by the Enterprises in the\nprevious calendar year. It includes\nseasoned loans originated in years prior\nto acquisition, and loans originated in\nthe same year as acquisition.\n"}
diff --git a/chunks/json/60695d89b9724da51d71b91930048b80c2066d4228833861f5bfd3efd5f97c28.json b/chunks/json/60695d89b9724da51d71b91930048b80c2066d4228833861f5bfd3efd5f97c28.json
new file mode 100644
index 0000000000000000000000000000000000000000..c33572a9dc6a3c3c3a00421809a97cac177d4b40
--- /dev/null
+++ b/chunks/json/60695d89b9724da51d71b91930048b80c2066d4228833861f5bfd3efd5f97c28.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":727229,"char_start":725578,"chunk_id":"chk_ffcaf85c69ddac58","chunk_index":433,"chunk_sha256":"60695d89b9724da51d71b91930048b80c2066d4228833861f5bfd3efd5f97c28","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"60695d89b9724da51d71b91930048b80c2066d4228833861f5bfd3efd5f97c28","token_estimate":413,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Subject to Inspection\n\nOpinion of Market Value is based on the itemized list of required inspections being completed and the extraordinary\nassumption that any deficiency does not require alteration or repair.\n\nNote: If this answer is selected, the standard Subject to Inspection language displays as part of the Final Value Condition\nStatement (26.013).\n\nSubject to Repair\n\nOpinion of Market Value is based on the hypothetical condition that the repairs have been completed as of the appraisal\nreport effective date.\n\nNote: If this answer is selected, the standard Subject to Repair language displays as part of the Final Value Condition\nStatement (26.013).\n\nAppendix F-1: URAR Reference Guide\n\nPage 325 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n26 Reconciliation\n\nReasonable Exposure Time, Effective Date, FHA REO Insurability Level\n\nReconciliation: Appraisal Summary – Reasonable Exposure Time and FHA REO Insurability\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n26.010 Reasonable\n\nAlways required\n\nExposure Time\n\nAllowable\nAnswers / Format\n\nNumber of days or\nrange of days\n\nDefinition / Additional Guidance\n\nThe total number of days the property would have been offered on the market\nprior to a hypothetical sale at market value as of the appraisal report effective\ndate.\n\n26.011 Effective Date of\nAppraisal\n\nAlways required\n\nmm/dd/yyyy\n\nThe date to which the appraiser’s analyses, opinions, and conclusions apply;\nalso referred to as date of value. Reference published guidelines by the GSEs,\ngovernment agencies, or other identified secondary market participants for\nspecific guidance.\nNote: If Property Valuation Method (2.004) is:\n•\n"}
diff --git a/chunks/json/606b56a8eb87bf66a4cfa2ad6567af6d9ac0a5d3705939482401c5c56c61d6ce.json b/chunks/json/606b56a8eb87bf66a4cfa2ad6567af6d9ac0a5d3705939482401c5c56c61d6ce.json
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index 0000000000000000000000000000000000000000..2a1ce1c6fc9b6b512f10c9f6920014facbdcd698
--- /dev/null
+++ b/chunks/json/606b56a8eb87bf66a4cfa2ad6567af6d9ac0a5d3705939482401c5c56c61d6ce.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":334,"char_start":0,"chunk_id":"chk_7bda2f0ec9e6c716","chunk_index":0,"chunk_sha256":"606b56a8eb87bf66a4cfa2ad6567af6d9ac0a5d3705939482401c5c56c61d6ce","date_utc":"2026-01-27T17:45:43+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d0ca30d2f859f13c","text_sha256":"606b56a8eb87bf66a4cfa2ad6567af6d9ac0a5d3705939482401c5c56c61d6ce","token_estimate":102,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_rot1v2.md","below_target_min_tokens"]},"text":"---\nsource_url: \"https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset#uad-36-resources\"\ndate_accessed: \"2026-01-27T17:45:43.147Z\"\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/606bfa6ffc809a082d382ca11cc69e7dcd1c719e561dae00ed1641fa9ba95051.json b/chunks/json/606bfa6ffc809a082d382ca11cc69e7dcd1c719e561dae00ed1641fa9ba95051.json
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index 0000000000000000000000000000000000000000..3ef4ab1d20e22a21762895b38c5433cd9f1949ab
--- /dev/null
+++ b/chunks/json/606bfa6ffc809a082d382ca11cc69e7dcd1c719e561dae00ed1641fa9ba95051.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":353438,"char_start":351831,"chunk_id":"chk_13010fa95e9a16bb","chunk_index":204,"chunk_sha256":"606bfa6ffc809a082d382ca11cc69e7dcd1c719e561dae00ed1641fa9ba95051","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"606bfa6ffc809a082d382ca11cc69e7dcd1c719e561dae00ed1641fa9ba95051","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Bedrooms\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 2024Manufactured Home Scenario 2 (MH2)\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\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"}
diff --git a/chunks/json/60744ea4205fb1f6be33b9c5c94ce63de4d82209de529eec58068e70ad2a8c73.json b/chunks/json/60744ea4205fb1f6be33b9c5c94ce63de4d82209de529eec58068e70ad2a8c73.json
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index 0000000000000000000000000000000000000000..7da657f35b4d2229b0e8d24f459ff1074b08ebc0
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+++ b/chunks/json/60744ea4205fb1f6be33b9c5c94ce63de4d82209de529eec58068e70ad2a8c73.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":295486,"char_start":293996,"chunk_id":"chk_542c1158c7a24727","chunk_index":158,"chunk_sha256":"60744ea4205fb1f6be33b9c5c94ce63de4d82209de529eec58068e70ad2a8c73","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"60744ea4205fb1f6be33b9c5c94ce63de4d82209de529eec58068e70ad2a8c73","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"At Closing\n\nBefore Closing\n\nAt Closing\n\nBefore Closing\n\nPaid by\nOthers\n\n8.1.1 $985.00\n\n8.4.1 $1,598.00\n\n8.10.1 $619.65\n\n018.11 Homeowner’s Insurance 8.11.1 ($100.83 per month\n\n8.11.2 $201.66\n\nfor 2 mo.)\n\n028.12 Mortgage Insurance 8.12.1 ($109.00 per month for\n\n8.12.2 $218.00\n\n8.11.4\n\n8.12.4\n\n2 mo.)\n\nAppendix E: UCD Implementation Guide\n\nPage 134 of 254\n\n8.11.6\n\n8.12.6\n\nVersion 1.4\n\nUniform Closing Dataset\n\n8.0 Other Costs Table\n\n038.13 Property Taxes 8.13.1 ($105.30 per month for 2 mo.) 8.13.2\n\n8.13.4 $210.60\n\n048.14Condominium Dues 8.14.1 ($50.00 per month for 4 mos.) 8.14.2 $200.00\n\n8.14.4\n\n088.15 Aggregate Adjustment\n\n8.15.2 (-$0.01)\n\n8.13.6\n\n8.14.6\n\nFigure 85. Initial Escrow Payment at Closing\n\nExcept for 8.15 Aggregate Adjustment, all Initial Escrow Payment at Closing line items are disclosed according\nto the following pattern.\n\n1. 8.11 – 8.14 Identify the charge. If the name of the item is not specified by Regulation, implementers must\n\ndescribe the service or function paid for using clear and conspicuous terminology.\n\na. Per the Regulation, escrow items are paid to the creditor or a mortgage servicer, so the payee is not\n\nidentified. However, in support of ATR/QM, the type of entity receiving the payment must be provided\nto identify Broker or Lender affiliates.\n\nb. Identify the monthly premium and number of months covered by the initial escrow payment.\n\n2. Determine if the payment was broken out across multiple payors. If paid by one payor, disclose the full\n"}
diff --git a/chunks/json/607b41a3f92b01b49b09e0d970ed03707cee4562aa7506fe8a4639c6ba01ec50.json b/chunks/json/607b41a3f92b01b49b09e0d970ed03707cee4562aa7506fe8a4639c6ba01ec50.json
new file mode 100644
index 0000000000000000000000000000000000000000..4d4315dbe0f3f95296b00bcac2435845131a1214
--- /dev/null
+++ b/chunks/json/607b41a3f92b01b49b09e0d970ed03707cee4562aa7506fe8a4639c6ba01ec50.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":104117,"char_start":102502,"chunk_id":"chk_3ac6e56f7c6cf572","chunk_index":61,"chunk_sha256":"607b41a3f92b01b49b09e0d970ed03707cee4562aa7506fe8a4639c6ba01ec50","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"607b41a3f92b01b49b09e0d970ed03707cee4562aa7506fe8a4639c6ba01ec50","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field is required if the value of field e-6\n(GSE View Type) is 'Other'.\n\nCR\n\nCR\n\nCR\n\n95\n\n96\n\n97\n\n98\n\n99\n\n100\n\n101\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n89\n\n90\n\n91\n\n92\n\n93\n\n94\n\n95\n\nSITE\n\nSpecific Zoning\nClassification\n\nSITE\n\nZoning Description\n\nSite Zoning\nClassification\nIdentifier\n\nSite Zoning\nClassification\nDescription\n\nIdentifies the zoning classification\napplied to the site.\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n/@_ZoningClassificationIdentifier\n\n25\n\nString\n\nThis field should indicate the specific zoning classification of the subject\nproperty.\n\nA free-form text field used to describe\nthe zoning classification of the\nproperty site.\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n/@_ZoningClassificationDescription\n\n4000\n\nString\n\nThis field should contain a description of the zoning classification of the\nsubject property.\n\nNote: All text entered in this field, including overflow into the addendum, must\nbe captured and included in the XML data point.\n\nSITE\n\nSITE\n\nSITE\n\nSITE\n\nSITE\n\nZoning Compliance\nLegal\n\nSite Zoning\nCompliance Type\n\nIndicates the level of compliance of\nthe subject Site to zoning regulations.\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n[@_ZoningComplianceType='Legal']\n\nZoning Compliance\nLegal Nonconforming\n(Grandfathered Use)\n\nSite Zoning\nCompliance Type\n\nIndicates the level of compliance of\nthe subject Site to zoning regulations.\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n[@_ZoningComplianceType='Nonconforming']\n\nZoning Compliance\nNo Zoning\n\nSite Zoning\nCompliance Type\n\nIndicates the level of compliance of\nthe subject Site to zoning regulations.\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n[@_ZoningComplianceType='NoZoning']\n"}
diff --git a/chunks/json/607d117593c52c3484e304e8cba721883eb477a9b923f0d3d6c929efa42cace1.json b/chunks/json/607d117593c52c3484e304e8cba721883eb477a9b923f0d3d6c929efa42cace1.json
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index 0000000000000000000000000000000000000000..0ae18a5b4104ad3712a7d08f1ab8da02bd6b776d
--- /dev/null
+++ b/chunks/json/607d117593c52c3484e304e8cba721883eb477a9b923f0d3d6c929efa42cace1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":20114,"char_start":18509,"chunk_id":"chk_c830985e3367f66d","chunk_index":11,"chunk_sha256":"607d117593c52c3484e304e8cba721883eb477a9b923f0d3d6c929efa42cace1","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_d19adf0f56c3323a","text_sha256":"607d117593c52c3484e304e8cba721883eb477a9b923f0d3d6c929efa42cace1","token_estimate":402,"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":"OverallQualityAndCondition\n\nThe subject is new construction that is less than 12 months old, never lived in, and meets the C1 rating definition. The subject was built with materials that align with a Q3 rating. Though the subject is not custom it was built with materials to withstand the elements and have lower overall maintenance.\n\nSubjectPriorSalesAndTransferHistory\n\nLand was purchased in a bulk sale for the current subdivision Grammy Gold.\n\nComparablesPriorSalesAndTransferHistory\n\nComparable #1 had a prior transfer. The prior sale appears to be a market motivated arms-length transaction with no unusual concessions noted. The increase in value appears to be based upon recent improvements made to the comparable which include, but are not limited to, the finishing of the below grade area to include a family room, bedroom, and bathroom. No other prior sales have been reported for the remaining comparable properties.\n\nDisasterMitigation\n\nThe house was built with impact resistant roof and windows for mitigation against hail and high winds.\n\nfalse\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nAsIs\n\n2018-05-23\n\n90\n\n30\n\nReasonableExposureTime\n\n900000\n\nfalse\n\n123456\n\nfalse\n\nAmericanNationalStandardsInstitute\n\nfalse\n\nfalse\n\ntrue\n\nURAR Delivery Specification v1.3\n\nNoPhysicalInspection\n\nMYAPP\n\nSome Appraisal Creator\n\n11.2.1\n\nNowhere Technologies\n\nDIY AMC\n\n500 Park St\n\nOthertown\n\n54322\n\nIL\n\nAppraisalManagementCompanyFee\n\n0\n\n2020-10-31\n\n12345\n\nIL\n\nManagementCompany\n\nClient\n\nABC Lender\n\n400 Apple Ln\n\nAnytown\n\n54321\n\nIL\n\nLender\n\nSam\n\nAppraiser\n\n123 Main St\n\nAnytown\n"}
diff --git a/chunks/json/60826c00e5e9d2caec5bd6ce0b146195a9ad06c1b60973d1e75d26aae4797e38.json b/chunks/json/60826c00e5e9d2caec5bd6ce0b146195a9ad06c1b60973d1e75d26aae4797e38.json
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index 0000000000000000000000000000000000000000..0fb85fa9d204b5c0c54cf104891e831f8bdee28b
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+++ b/chunks/json/60826c00e5e9d2caec5bd6ce0b146195a9ad06c1b60973d1e75d26aae4797e38.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":75063,"char_start":73396,"chunk_id":"chk_903cdff455341f3a","chunk_index":23,"chunk_sha256":"60826c00e5e9d2caec5bd6ce0b146195a9ad06c1b60973d1e75d26aae4797e38","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"60826c00e5e9d2caec5bd6ce0b146195a9ad06c1b60973d1e75d26aae4797e38","token_estimate":417,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"1. CLOSI NG DI SCLOSURE – BORROWER ONLY\n\nThe Closing Disclosure - Borrower Only variation is identical to the Model Form with one exception (Figure 3).\nUnder Summaries of Transactions, the SELLER’S TRANSACTION Sections 14.0-M. Due to Seller at Closing, 15.0-\nN. Due from Seller at Closing, and 16.0-CALCULATION are either excluded or left blank.\n\nFigure 3. Closing Disclosure - Borrower-Only Variation – Summaries of Transactions\n\n2. CLOSI NG DI SCLOSURE – SELLER ONLY - UPDATED\n\nAs of June 24, 2019, the seller data required in UCD is reduced and the Split – Seller Only PDF is not required.\nError! Reference source not found. has the original seller data requirements.\n\nAppendix E: UCD Implementation Guide\n\nPage 17 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nIII. Closing Disclosure Variations – UPDATED\n\na. XML FI LE STRUCTURE - NEW\n\nBecause of the limited Seller data requirements, lenders can deliver all required Seller data within the Borrower\nDOCUMENT container and not required to send data in the Seller DOCUMENT container. All the Seller-Only data\npoints required in UCD are already included on the Closing Disclosure Borrower-Only:\n\na. 2.2 Seller\n\nb. 7.2.4 – 7.7.5 Seller-Paid charges At or Before Closing.\n\nc. SELLER’S TRANSACTION fields 14.4 – 14.7 Adjustments for Items Paid by Seller in Advance and 15.7,\n15.9-15.12 Adjustments for Items Unpaid by Seller are identical to the corresponding BORROWER’S\nTRANSACTION fields 11.6 – 11.9 Adjustments for Items Paid by Seller in Advance and 12.5, 12.8-12.11\nAdjustments for Items Unpaid by Seller.\n\nd. 23.0.3-23.9.3 Real Estate Broker (B) | 23.0.4-23.9.4 Real Estate Broker (S) | 23.0.5 | 23.0.0 – 23.9.5\n"}
diff --git a/chunks/json/6082d870742f6a1e77a1bf9756d13ad0c096da09ba84472575e59ae7940684af.json b/chunks/json/6082d870742f6a1e77a1bf9756d13ad0c096da09ba84472575e59ae7940684af.json
new file mode 100644
index 0000000000000000000000000000000000000000..c6751a7e6a2775e601b3d3576c3f83cdff07a83b
--- /dev/null
+++ b/chunks/json/6082d870742f6a1e77a1bf9756d13ad0c096da09ba84472575e59ae7940684af.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1585,"char_start":1010,"chunk_id":"chk_57809b01a0fc9a32","chunk_index":1,"chunk_sha256":"6082d870742f6a1e77a1bf9756d13ad0c096da09ba84472575e59ae7940684af","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_2d4aaec60fd63c08","text_sha256":"6082d870742f6a1e77a1bf9756d13ad0c096da09ba84472575e59ae7940684af","token_estimate":491,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide - Supplement - Usability and Implementation Guidance.pdf"]},"text":"Introduction .................................................................................................................................................... 4\n\nUsability and Implementation Guidance ......................................................................................................... 4\n\nEnumerated Values ------------------------------------------------------------------------------------------------------------ 4\n\nCalculations ---------------------------------------------------------------------------------------------------------------------- 4\n"}
diff --git a/chunks/json/6093ad6285366ee84bf00e81e1054ef96d6761301cf97ce2bcace878d8a7e3fb.json b/chunks/json/6093ad6285366ee84bf00e81e1054ef96d6761301cf97ce2bcace878d8a7e3fb.json
new file mode 100644
index 0000000000000000000000000000000000000000..34547ac816bc36607e1f874e73896d9003265a9c
--- /dev/null
+++ b/chunks/json/6093ad6285366ee84bf00e81e1054ef96d6761301cf97ce2bcace878d8a7e3fb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3011,"char_start":2198,"chunk_id":"chk_3da509895d6463a6","chunk_index":2,"chunk_sha256":"6093ad6285366ee84bf00e81e1054ef96d6761301cf97ce2bcace878d8a7e3fb","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"6093ad6285366ee84bf00e81e1054ef96d6761301cf97ce2bcace878d8a7e3fb","token_estimate":694,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Neighborhood Section ............................................................................................................................................... 18\nSite Section ................................................................................................................................................................. 20\n\nProject Information Section ...................................................................................................................................... 23\nImprovements Section .................................................................................................................................. 25\nSales Comparison Approach Section ............................................................................................................ 33\n"}
diff --git a/chunks/json/609901034d09df1b56b182b1da938a4d37c3cb3e3ac292d2016bb4299cfbebe4.json b/chunks/json/609901034d09df1b56b182b1da938a4d37c3cb3e3ac292d2016bb4299cfbebe4.json
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index 0000000000000000000000000000000000000000..4a900b965feb613b548844d8b675ad9de7b5488a
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+++ b/chunks/json/609901034d09df1b56b182b1da938a4d37c3cb3e3ac292d2016bb4299cfbebe4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10120,"char_start":8497,"chunk_id":"chk_68a909a73b441661","chunk_index":5,"chunk_sha256":"609901034d09df1b56b182b1da938a4d37c3cb3e3ac292d2016bb4299cfbebe4","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_08a5977044de1314","text_sha256":"609901034d09df1b56b182b1da938a4d37c3cb3e3ac292d2016bb4299cfbebe4","token_estimate":406,"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)\n\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;\n7=Not Applicable (borrower is an institution,\ncorporation or partnership)\n\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;\n7=Not Applicable (borrower is an institution,\ncorporation or partnership)\n\n1=Hispanic or Latino; 2=Not Hispanic or Latino;\n3=Information not provided; 4=Not applicable (First or\nprimary borrower is an institution, corporation or\npartnership); 5=No 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;\n7=Not Applicable (borrower is an institution,\ncorporation or partnership); 8=No Co-Borrower\n\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;\n7=Not Applicable (borrower is an institution,\ncorporation or partnership); 8=No Co-Borrower\n\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;\n7=Not Applicable (borrower is an institution,\ncorporation or partnership); 8=No Co-Borrower\n"}
diff --git a/chunks/json/6099b89da43dec5634b01fcbabb6603f4753e8de008dc4b68e15f59c4fd914d5.json b/chunks/json/6099b89da43dec5634b01fcbabb6603f4753e8de008dc4b68e15f59c4fd914d5.json
new file mode 100644
index 0000000000000000000000000000000000000000..ea1f0887beee9d08e346f5c57471012b99408f02
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+++ b/chunks/json/6099b89da43dec5634b01fcbabb6603f4753e8de008dc4b68e15f59c4fd914d5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1932,"char_start":0,"chunk_id":"chk_97e6f3e323d35a95","chunk_index":0,"chunk_sha256":"6099b89da43dec5634b01fcbabb6603f4753e8de008dc4b68e15f59c4fd914d5","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_633afc816823b043","text_sha256":"6099b89da43dec5634b01fcbabb6603f4753e8de008dc4b68e15f59c4fd914d5","token_estimate":483,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2025-loan-delivery-release-notes-printable-version.pdf"]},"text":"2025 Archive: Loan Delivery Enhancements\nQuick Guide for Loan Delivery Enhancements\n\nDecember 31, 2025\n\nThis Loan Delivery Enhancements guide provides access to this year’s previous, current, and upcoming Loan Delivery updates in\nan 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\nDictionary for business rule updates.\n\nIn Case You Missed It\n\nEffective\nDate\n\nJan 27,\n2025\n\nJan 27,\n2025\n\nImpacted Area\n\nDescription\n\nULDD Phase 5\nUpdates\n\nULDD documents have been updated for Wire Instruction Reference Identifier and Deed\nRestriction, please see ULDD Phase 5 Implementation Considerations for details.\n\nEdit Updates See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing\n\nof effective edit updates including:\n\n•\n\n•\n\n3 edits moving from informational to warning to validate LTV/CLTV, interest rate,\nand HomeReady VLIP LLPA credit\n2 DU compare edits moving from warning to fatal to validate monthly income\n\nFeb 3,\n2025\n\nWire\nInstructions\nUpdate\n\nEffective February 3, 2025, the Seller’s Designation of Wire Transfer Instructions (Form 482)\nhas been updated for sellers to provide Beneficiary Address (street, city, state, zip)\ninformation for whole loan purchases. This is a new requirement to conform to the Federal\nReserve’s ISO 20022 standards. The required beneficiary address is the address of the\nbusiness entity receiving the funds.\n\nIn preparation to conform to the new ISO 20022 standards, Fannie Mae will update existing\nwiring instructions by March 3, 2025, using address information available in other Fannie Mae\nsystems. If an address is unavailable, Fannie Mae will reach out to the Seller, Warehouse\nLender or Disbursement Agent to gather an appropriate beneficiary address to be used.\nDelays in responding may cause funding delays due to wires being rejected.\n"}
diff --git a/chunks/json/60c2afaa00416094068e90fd177b0c6c72e0feae500426b4c35537772064f291.json b/chunks/json/60c2afaa00416094068e90fd177b0c6c72e0feae500426b4c35537772064f291.json
new file mode 100644
index 0000000000000000000000000000000000000000..388a5de7b31860713db520735c3f9ce5330cb2ae
--- /dev/null
+++ b/chunks/json/60c2afaa00416094068e90fd177b0c6c72e0feae500426b4c35537772064f291.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":126331,"char_start":124729,"chunk_id":"chk_c59b70bb33530d86","chunk_index":152,"chunk_sha256":"60c2afaa00416094068e90fd177b0c6c72e0feae500426b4c35537772064f291","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"60c2afaa00416094068e90fd177b0c6c72e0feae500426b4c35537772064f291","token_estimate":400,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"• Client Reference ID - AdditionalValuationIdentifier (UID: 2100.0003, FID: HF.007)\n\no Displays when AdditionalValuationIdentifierType (UID: 2100.0004, FID: HF.007) = \"Client\"\n\n• AMC Reference ID - AdditionalValuationIdentifier (UID: 2100.0007, FID: HF.008)\n\no Displays when AdditionalValuationIdentifierType (UID: 2100.0008, FID: HF.008) = \"ManagementCompany”\n\nFigure HF - 2\n\nSee Appendix E – Report Style Guide for details displaying the footer.\n\nNote: Text can be included in the footer for vendor branding. However, the text must not overlap the\n\npredefined fields.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n01 Summary\n\nPage 68\n\nThe Summary section provides a synopsis of key information from the URAR to serve as a quick reference to the reader, including actions to\nbe taken into consideration by a reviewer.\n\nThe data in this section is redisplayed from other sections of the report.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nThe Summary section always displays. The Source Section FID column indicates the origin of the summary data. All information repopulates\nfrom the associated source sections.\n\nPage 69\n\nReport Field ID\n\nReport Label\n\nSummary: General Information\n\nSource Section FID\n\nOriginal Section\n\n1.000\n\n1.001\n\n1.085\n\n1.002\n\n1.003\n\n1.004\n\n1.005\n\n1.006\n\n1.007\n\n1.008\n\n1.009\n\n1.010\n\n1.011\n\nAddress\n\nOpinion of Market Value\n\n(Cooperative Interest)\n\nFinal Value Condition Statement\n\nEffective Date of Appraisal\n\nAssignment Reason\n\nBorrower Name\n\nCurrent Owner of Public Record\n\nContract Price\n\nListing Status\n\nMarket Value Condition\n\nProperty Valuation Method\n\nAppraiser Name\n"}
diff --git a/chunks/json/60c535d5e71d61dbc667e2c8fa442769fac64cfcfcc68c0c80fa4cf7893498de.json b/chunks/json/60c535d5e71d61dbc667e2c8fa442769fac64cfcfcc68c0c80fa4cf7893498de.json
new file mode 100644
index 0000000000000000000000000000000000000000..912935ba521504f8bd2dd7f0bf72f6e1c99fc6f7
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+++ b/chunks/json/60c535d5e71d61dbc667e2c8fa442769fac64cfcfcc68c0c80fa4cf7893498de.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15594,"char_start":13945,"chunk_id":"chk_314cb41f7753ee77","chunk_index":8,"chunk_sha256":"60c535d5e71d61dbc667e2c8fa442769fac64cfcfcc68c0c80fa4cf7893498de","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2669302acf0b4029","text_sha256":"60c535d5e71d61dbc667e2c8fa442769fac64cfcfcc68c0c80fa4cf7893498de","token_estimate":531,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Federal_Home_Loan_Bank_System___FHFA_rv5zt.md"]},"text":"- [Stress tests and risk scenarios](/data/fhlb-stress-tests)\n**Other Reports and Initiatives**\n\n- [Annual Report on Collateral Pledged to FHLBanks](/reports/collateral-pledged-to-fhlbanks)\n- [FHLBank System at 100](/programs/fhlbank-system-at-100-focusing-on-the-future)\n\n- ## Related Links\n\n- [Advisory Bulletins](/advisory-bulletin)\n- [Reports](/advisory-bulletin)\n- [About FHLBank System](/supervision/federal-home-loan-bank-system/about)\n- [Additional Resources](#additional-resources)\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/60cf5eecab04eb5df2bb9a75fc2af934837706e47478b1fda931d58696e1c231.json b/chunks/json/60cf5eecab04eb5df2bb9a75fc2af934837706e47478b1fda931d58696e1c231.json
new file mode 100644
index 0000000000000000000000000000000000000000..c5827f75ddecdc9ab32e51c3fd5464a5b7800edc
--- /dev/null
+++ b/chunks/json/60cf5eecab04eb5df2bb9a75fc2af934837706e47478b1fda931d58696e1c231.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":674766,"char_start":673169,"chunk_id":"chk_95a6d349c2d2827f","chunk_index":399,"chunk_sha256":"60cf5eecab04eb5df2bb9a75fc2af934837706e47478b1fda931d58696e1c231","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"60cf5eecab04eb5df2bb9a75fc2af934837706e47478b1fda931d58696e1c231","token_estimate":400,"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\nAppraisal Forms\nLender Unparsed\nAddress\n\nContact Point\nValue\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.\n\n/VALUATION_RESPONSE/PARTIES/LENDER/@AppraisalFormsUnparsedAd\ndress\n\n/VALUATION_RESPONSE/PARTIES/LENDER/CONTACT_DETAIL/CONTA\nCT_POINT[@_Type=‘Email’]/@_Value\n\n48\n\n48\n\n90\n\n25\n\nString\n\nString\n\nString\n\nString\n\nNote: This data is referenced more than once on the form (field 2-134) and must be\nrepresented consistently.\n\nUAD Requirement - Refer to Appendix D Appraiser Certification Section\nThis field must contain either the name of the management company involved or the\ntext 'No AMC'.\n\nThis field contains the lender/client company name. This data is referenced more than\nonce on the form (refer to field 1-37) and must be represented consistently, to the\nextent the available space permits. The printed version of this field must appear\ncompletely in at least one location on the form, but may be truncated in the other\nlocation\n\nThis address information is treated differently from other address fields on the\nappraisal form in order to accomodate lender requirements.\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n"}
diff --git a/chunks/json/60d6c11eb5f3037d9d8461bb504a5263b8dacd2038fd1c93f3605dbb8265440a.json b/chunks/json/60d6c11eb5f3037d9d8461bb504a5263b8dacd2038fd1c93f3605dbb8265440a.json
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index 0000000000000000000000000000000000000000..c4e742c438645407823225511aa396e31a31d9c4
--- /dev/null
+++ b/chunks/json/60d6c11eb5f3037d9d8461bb504a5263b8dacd2038fd1c93f3605dbb8265440a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":120114,"char_start":118500,"chunk_id":"chk_6e3d5756aecfb03e","chunk_index":67,"chunk_sha256":"60d6c11eb5f3037d9d8461bb504a5263b8dacd2038fd1c93f3605dbb8265440a","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"60d6c11eb5f3037d9d8461bb504a5263b8dacd2038fd1c93f3605dbb8265440a","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":"UAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 50 of 166\n\nUAD 3.6 Policy\n\nSB4-1.1-04, Unacceptable Appraisal Practices (06/04/2025)\n\nIntroduction\nThis topic contains examples of unacceptable practices, many of which are reflected in the appraiser’s certifications on the\nappraisal reports.\n\n• Unacceptable Appraisal Practices\n\nUnacceptable Appraisal Practices\nThe following are examples of unacceptable appraisal practices:\n\n• development of or reporting an opinion of market value (including responses to requests for a borrower-initiated\n\nreconsideration of value) that is not supportable by market data or is misleading;\n\n• development of a valuation conclusion based either partially or completely on the sex, race, color, religion, disability,\nnational origin, or familial status, or including a reference to any protected class, of either the prospective owners or\noccupants of the subject property or the present owners or occupants of the properties in the vicinity of the subject\nproperty;\nreference to crime rate or related data;\n\n•\n• use of unsupported assumptions, interjections of personal opinion, or perceptions about factors in the valuation process\n\nand the use of subjective terminology, including, but not limited to:\n\no\no\no\no\no\no\n\n“pride of ownership,” “no pride of ownership,” and “lack of pride of ownership”;\n“poor neighborhood”;\n“good neighborhood”;\n“crime” (and its variants);\n“desirable neighborhood or location”; or\n“undesirable neighborhood or location”;\n\n• development of a valuation conclusion based on factors that local, state, or federal law designate as discriminatory, and\n"}
diff --git a/chunks/json/60d9e0f2de3d705fb72b5c2869794ea0bdce09f74b1073fc0e756329766cf4ff.json b/chunks/json/60d9e0f2de3d705fb72b5c2869794ea0bdce09f74b1073fc0e756329766cf4ff.json
new file mode 100644
index 0000000000000000000000000000000000000000..ec2f13fa50f60e0f6fcb03347dcf3df215663ba1
--- /dev/null
+++ b/chunks/json/60d9e0f2de3d705fb72b5c2869794ea0bdce09f74b1073fc0e756329766cf4ff.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1149086,"char_start":1147405,"chunk_id":"chk_2fe453d4221e3d11","chunk_index":682,"chunk_sha256":"60d9e0f2de3d705fb72b5c2869794ea0bdce09f74b1073fc0e756329766cf4ff","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"60d9e0f2de3d705fb72b5c2869794ea0bdce09f74b1073fc0e756329766cf4ff","token_estimate":421,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"1\n\nNumeric\n\nPDF Display Format:\nNumeric, 1-digit maximum.\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 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\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\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\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\nThis field is required if the value of field e-18\n(GSE Below Grade Total Square Feet Number)\nis greater than zero.\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\nThis field is required if the value of field e-19\n(GSE Below Grade Finish Square Feet Number)\nis greater than zero.\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\nThis field is required if the value of field e-19\n(GSE Below Grade Finish Square Feet Number)\nis greater than zero.\n"}
diff --git a/chunks/json/60dc212d688f7b7cbffe48ee530ed7deee2c917ac45278e5ab517a7e8a88da8d.json b/chunks/json/60dc212d688f7b7cbffe48ee530ed7deee2c917ac45278e5ab517a7e8a88da8d.json
new file mode 100644
index 0000000000000000000000000000000000000000..b2710b7c0a80f7299fc5e8b5aa20c0c21167b5a9
--- /dev/null
+++ b/chunks/json/60dc212d688f7b7cbffe48ee530ed7deee2c917ac45278e5ab517a7e8a88da8d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":440608,"char_start":439005,"chunk_id":"chk_607bd9e6b3ae6a6a","chunk_index":340,"chunk_sha256":"60dc212d688f7b7cbffe48ee530ed7deee2c917ac45278e5ab517a7e8a88da8d","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"60dc212d688f7b7cbffe48ee530ed7deee2c917ac45278e5ab517a7e8a88da8d","token_estimate":401,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"The Appraisal Summary subsection always displays. However, there are fields within this subsection that may not display.\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\nDisplay Rules\n\nReconciliation: Appraisal Summary\n\n26.006\n\nContract Price\n\n0600.0008\n\nSalesContractAmount\n\n26.007\n\nOpinion of Market Value\n\n1300.0017\n\nOpinionOfValueAmount\n\n26.074\n26.075\n\n[Static text]\n\nNot on report\n\nN/A\n\n26.008\n\nPro Rata Share Calculation\nMethod\n\n1300.0033\n\nLineOfCreditProRataShareSelectionMethodType\n\n26.009\n\nMarket Value Condition\n\n1300.0010\n\nPropertyValuationConditionalConclusionType\n\nDisplay when SalesContractReviewedIndicator = \"true\"\nRedisplay from Sales Contract section.\nAlways displays\n When ProjectLegalStructureType = \"Cooperative\" OR “Condop”: (Figure 26 -\n2)\n\n− Display (Cooperative Interest) in parenthesis on the right.\n− Display text in italics below Market Value Condition: The market value\nrepresents the cooperative interest. The cooperative interest is the\nequity portion that is over and above the pro rata share of the blanket\nmortgage(s).\n\nDisplay when (ProjectLegalStructureType = \"Cooperative\" OR \"Condop\")\nAND ProjectBlanketFinancingIndicator = \"true\" AND LineOfCreditIndicator =\n\"true\"\nFor this to display, at least one lien must have LineOfCreditIndicator = “true”\nAlways displays\n\n− When multiple conditions are provided, display as stacked on separate\n\nlines.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\nDisplay Rules\n\nReconciliation: Appraisal Summary\n\nPage 349\n\n26.010\n\nReasonable Exposure Time\n"}
diff --git a/chunks/json/60e192c162c6451107ee712f59c842c1e8b96e1c8a0660aa1678fb3231227b79.json b/chunks/json/60e192c162c6451107ee712f59c842c1e8b96e1c8a0660aa1678fb3231227b79.json
new file mode 100644
index 0000000000000000000000000000000000000000..09de48d442989f4d7b8de7626dd9f1f1ae4a2cec
--- /dev/null
+++ b/chunks/json/60e192c162c6451107ee712f59c842c1e8b96e1c8a0660aa1678fb3231227b79.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":79385,"char_start":77721,"chunk_id":"chk_3d226299a08d69ac","chunk_index":92,"chunk_sha256":"60e192c162c6451107ee712f59c842c1e8b96e1c8a0660aa1678fb3231227b79","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"60e192c162c6451107ee712f59c842c1e8b96e1c8a0660aa1678fb3231227b79","token_estimate":416,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"•\n\n“Primary Site Valuation Method” TXR-B, TXR.\n\nValuation Methodology table\n\n• Column heads: “#,” “Address,” “County,” “Data Source,” “Assessor Parcel Number (APN),\n\n“Site Size,” “Sale Date,” “Price” set as TCH in 8 column table x 45 picas.\n\n• Column 1:\n\n1 pica 6 points wide (~6 characters max)\n\n• Column 2–8:\n\nset equal widths (~24 characters max per line in each cell).\n\n• Content sets as TB.\n\nAppendix E: Report Style Guide\n\nPage 40 of 90\n\nVersion 1.4\n\nSITE VALUATION METHODOLOGY TABLE\n\n•\n\n“Reconciliation of Site Value” sets as TXC-B text x 45 picas (bold lead in to Myriad Pro Regular\ntext).\n\nSite Commentary (H1)\n\nSet Commentary as TXC x 45 picas.\n\nSite Exhibits (H1)\n\nSubsection does not display if there are no exhibits.\n\n“Disaster Mitigation” sets as TAB.\n\nLeft-hand side of page\n\n•\n\n“Mitigation Feature” sets as TXR-B, TXR.\n\nDisaster Mitigation Commentary (H1)\n\nSet Commentary as TXC x 45 picas.\n\nDisaster Mitigation Exhibits (H1)\n\nSubsection does not display if there are no exhibits.\n\n“Energy Efficient and Green Features” sets as TAB.\n\nLeft-hand side of page\n\n• Known Renewable Energy Components sets as TXR-B, TXR.\n\nRenewable Energy Components table\n\n• Column heads: “Renewable Energy Component,” “Ownership,” “Financing Arrangement” set\n\nas TCH.\n\n• Set 3 equal column table x 45 picas (~60 characters max per line in each cell).\n\n• Content sets as TB.\n\nRENEWABLE ENERGY COMPONENTS TABLE\n\nAppendix E: Report Style Guide\n\nPage 41 of 90\n\nVersion 1.4\n\nLeft-hand side of page\n\n• Known Building Certifications sets as TXR-B, TXR.\n\nBuilding Certifications table\n\n• Column heads: “Building Certification Organization,” “Certification,” “Year,” “Version,”\n"}
diff --git a/chunks/json/60e32d0dae40bfb356b6f7750d7105a5c10b37309a1dd14962bd3f565c26b1aa.json b/chunks/json/60e32d0dae40bfb356b6f7750d7105a5c10b37309a1dd14962bd3f565c26b1aa.json
new file mode 100644
index 0000000000000000000000000000000000000000..9bf118f245cafa32e05fb10d8be9a8bf2c6b63e1
--- /dev/null
+++ b/chunks/json/60e32d0dae40bfb356b6f7750d7105a5c10b37309a1dd14962bd3f565c26b1aa.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13012,"char_start":11410,"chunk_id":"chk_97f5f2ae975f662f","chunk_index":7,"chunk_sha256":"60e32d0dae40bfb356b6f7750d7105a5c10b37309a1dd14962bd3f565c26b1aa","date_utc":"2026-01-27T18:31:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_47c3ba41d05a3989","text_sha256":"60e32d0dae40bfb356b6f7750d7105a5c10b37309a1dd14962bd3f565c26b1aa","token_estimate":401,"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":"Search 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\n43\n$325,000\n$340,000\n$370,000\nNo\nPrice Trend\nABC MLS\n\nIn Balance\n\nMarketing Time\n\nUnder 3 Months\n\nThe Price Trend graph indicates no measurable change in prices during the identified lookback period.\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 9 of 19\nPage 9 of 19\n\nMarket (continued)\n\nMarket Exhibits\n\nPrice Trend\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\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\nTypically Motivated\n\nDate\n10/30/2018\n\nAmount\n$250,000\n\nAnalysis of Prior Sale and Transfer History of Subject Property This was a builder sale.\n\nComparable Transfer History\n"}
diff --git a/chunks/json/60e7019fbdfaa40287004cebe7c7cbce2f79700181b2e08d996d6b97dc3eafb6.json b/chunks/json/60e7019fbdfaa40287004cebe7c7cbce2f79700181b2e08d996d6b97dc3eafb6.json
new file mode 100644
index 0000000000000000000000000000000000000000..ba02e579d76d7dcfa5a72818718e556cad74c743
--- /dev/null
+++ b/chunks/json/60e7019fbdfaa40287004cebe7c7cbce2f79700181b2e08d996d6b97dc3eafb6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":92260,"char_start":90192,"chunk_id":"chk_da0e21f21f5b93a9","chunk_index":53,"chunk_sha256":"60e7019fbdfaa40287004cebe7c7cbce2f79700181b2e08d996d6b97dc3eafb6","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"60e7019fbdfaa40287004cebe7c7cbce2f79700181b2e08d996d6b97dc3eafb6","token_estimate":517,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Additionally, the appraiser may use the\nadditional space, as needed, for a text\ndescription. The PDF creator shall render a\n\nPage 53 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\ndelimiter in the form of a semicolon (;) and\ninsert the delimiter prior to the text description.\nAttributes such as assigned and owned may\nbe noted within the text description.\n\nIf there is no off-street parking, the appraiser\nshould enter “None”.\n\nThe appraiser may include all parking types if\nall types are present. If all types are not\npresent, only the appropriate abbreviations\nshould be used.\n\nAbbreviated\nEntry\n\nParking Type\n\ng\n\ncv\n\nop\n\nGarage\n\nCovered\n\nOpen\n\nExamples:\n\n• 2g\n\n• 1g1cv\n\n• 1cv\n\n• None\n\n• None;street permit\n\n• 1g1cv;1 Owned\n\n• 2g1cv1op;1a 2ow\n\n**Note: In the last example, the appraiser\nshould note the use of any additional\nabbreviations within the report so that the\nreader can interpret the entry.\n\nPage 54 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+(-) $ Adjustment\nIf a feature or aspect of the subject property\ndiffers from a feature or aspect of a\ncomparable property and the appraiser\ndetermines that no adjustment is warranted,\nthe appraiser must enter a zero (0) in the\nadjustment line. The zero (0) will indicate to\nthe reader/user of the report that the\nappraiser considered the difference and\ndetermined that no adjustment should be\nmade. When the features for the subject and\ncomparable sale(s) are the same and no\nadjustment is warranted, leave the field blank\n- do not enter or default to zero.\n"}
diff --git a/chunks/json/60f18a488b64b619da4d8527f93b9838895d564821ea0a0a9be3326501bc7ae5.json b/chunks/json/60f18a488b64b619da4d8527f93b9838895d564821ea0a0a9be3326501bc7ae5.json
new file mode 100644
index 0000000000000000000000000000000000000000..3701b67ae558638e75cc8faebdef40b462a51331
--- /dev/null
+++ b/chunks/json/60f18a488b64b619da4d8527f93b9838895d564821ea0a0a9be3326501bc7ae5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":343552,"char_start":341928,"chunk_id":"chk_dcdcddccf8e14518","chunk_index":198,"chunk_sha256":"60f18a488b64b619da4d8527f93b9838895d564821ea0a0a9be3326501bc7ae5","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"60f18a488b64b619da4d8527f93b9838895d564821ea0a0a9be3326501bc7ae5","token_estimate":406,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Overall Quality and Condition\n\nOverall Quality\n\nExterior Quality\nInterior Quality\n\nQ3\nQ3\nQ3\n\nOverall Condition\n\nExterior Condition\nInterior Condition\n\nC2\nC2\nC2\n\nReconciliation of Overall Quality and Condition\n\nThe overall quality and condition ratings are reflective of the interior and exterior quality and condition ratings.\n\nAppraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2)\n\nUniform Residential Appraisal Report\n\nPage 10 of 20\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 subject is legally permissible and physically possible under the current zoning, 1-5 MH Residential, which allows for manufactured and\nmodular 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\nimproved with comparable manufactured and modular homes demonstrating market acceptance. Sales prices of vacant and improved\nproperties support the conclusion that the subject represents the highest and best use as improved. The property is outside the city limits and\nall types of single family homes are appropriate.\n\nMarket\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"}
diff --git a/chunks/json/6109d01f787a35ee418d819a2f973271051a366f7a5ed29f04e98ebc95384a66.json b/chunks/json/6109d01f787a35ee418d819a2f973271051a366f7a5ed29f04e98ebc95384a66.json
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index 0000000000000000000000000000000000000000..eddc21ea98a4c8a840532362c032b44d17ad6bad
--- /dev/null
+++ b/chunks/json/6109d01f787a35ee418d819a2f973271051a366f7a5ed29f04e98ebc95384a66.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":504869,"char_start":502968,"chunk_id":"chk_db36c04c7754ecec","chunk_index":299,"chunk_sha256":"6109d01f787a35ee418d819a2f973271051a366f7a5ed29f04e98ebc95384a66","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"6109d01f787a35ee418d819a2f973271051a366f7a5ed29f04e98ebc95384a66","token_estimate":475,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Notes:\n• These rows must be brought into the sales comparison grid when there is relevant and meaningful information for the subject and all\ncomparables, and adding the row leads to credible results. Not reporting a meaningful attribute can be misleading by omission.\n• These rows are indicated in this chapter with the Report Label in blue italics, and “If relevant” in the “When Row Displays” column.\n\nAppendix F-1: URAR Reference Guide\n\nPage 216 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nAdditional Rows\n\nOne or more additional rows may be added to the following relevant subsections to provide context and impactful details. These rows must only be\nused when atypical characteristics are observed. Do not add rows for information that is already available as a predefined row. Choose the\napplicable subsection for the characteristic.\n• General Information\n• Site\n• Dwelling(s)\n• Unit(s)\n• Vehicle Storage\n• Outbuilding\n\nAdjustments\n\nAdjustments in the sales comparison grid fall into one of two categories:\n• An overall or rollup adjustment that is supported by non-adjustable rows. Example:\n\n• A line-item adjustment. Example:\n\nFor a full list of rows in the sales grid and whether each is adjustable, see Appendix F-1: URAR Reference Guide Supplement - Summary of Rows in\nComparable Grids.\n\nAppendix F-1: URAR Reference Guide\n\nPage 217 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nIf a feature or characteristic of the subject property differs from a feature or characteristic of a comparable property and there is no market support\nfor an adjustment, enter a $0 in the adjustment line. The zero indicates that the appraiser has considered the difference and determined that there\nis no measurable impact. This includes information that is not applicable (“grayed out”) for the subject, such as Financing Type and Sale Date.\n"}
diff --git a/chunks/json/610d2e13858ca79c088921ea29a28caa8b27ad5b6a753a336d562f3623d434c6.json b/chunks/json/610d2e13858ca79c088921ea29a28caa8b27ad5b6a753a336d562f3623d434c6.json
new file mode 100644
index 0000000000000000000000000000000000000000..015352156a8feb3f7b96938876c433e832c93e26
--- /dev/null
+++ b/chunks/json/610d2e13858ca79c088921ea29a28caa8b27ad5b6a753a336d562f3623d434c6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":437395,"char_start":435794,"chunk_id":"chk_15d0a0d3918bf8e2","chunk_index":338,"chunk_sha256":"610d2e13858ca79c088921ea29a28caa8b27ad5b6a753a336d562f3623d434c6","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"610d2e13858ca79c088921ea29a28caa8b27ad5b6a753a336d562f3623d434c6","token_estimate":400,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"1100.0078\n\nRELATIONSHIP\n\n@xlink:arcrole\n\nurn:fdc:mismo.org:2009:residentia\nl/DATA_SOURCE_IsDataSourceFor\n_COST_APPROACH\n\n1100.0079\n\nRELATIONSHIP\n\n@xlink:from\n\nDATA_SOURCE_n\n\n1100.0080\n\nRELATIONSHIP\n\n@xlink:to\n\nCOST_APPROACH_n\n\n1100.0074\n\nCOST_APPROACH\n\n@xlink:label\n\nCOST_APPROACH_n\n\n0700.0124\n\nDATA_SOURCE\n\n@xlink:label\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\n26 Reconciliation\n\nPage 346\n\nThe Reconciliation section includes information about the different approaches to value, market value conditions, the final opinion of market\nvalue, reporting of client requested conditions (if any), and an overall reconciliation of value. This section also contains a summary of all\nidentified defects, damages, and deficiencies, and provides space for additional commentary and exhibits.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 347\n\nThe Reconciliation section always displays.\n\nApproaches to Value\n\nThe Approaches to Value subsection always displays. When a value is not indicated for an approach, a Reason for Exclusion displays in the\ntable. (Figure 26 - 1)\n\nWhen Sales Comparison Approach is not developed, the only supported enumeration for the Reason for Exclusion -\nValuationApproachExclusionReasonType (UID: 1300.0007, FID: 26.001) = “Other”. The text describing the reason for exclusion must be\ndelivered using ValuationApproachExclusionReasonTypeOtherDescription (UID: 1300.0008, FID: 26.001).\n\nReport\nField ID\nSales Comparison Approach\n\nReport Label\n"}
diff --git a/chunks/json/6112a81801ca6cd53885a223c6dda38ca6225b74fd72d569584525d8b35f5a7c.json b/chunks/json/6112a81801ca6cd53885a223c6dda38ca6225b74fd72d569584525d8b35f5a7c.json
new file mode 100644
index 0000000000000000000000000000000000000000..c7b04ab7177b54edb5ef5c9aac5e4bcc864bbe45
--- /dev/null
+++ b/chunks/json/6112a81801ca6cd53885a223c6dda38ca6225b74fd72d569584525d8b35f5a7c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":292954,"char_start":291234,"chunk_id":"chk_01735c7fe4999371","chunk_index":162,"chunk_sha256":"6112a81801ca6cd53885a223c6dda38ca6225b74fd72d569584525d8b35f5a7c","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"6112a81801ca6cd53885a223c6dda38ca6225b74fd72d569584525d8b35f5a7c","token_estimate":430,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Manufactured Housing Appraisal Cost Approach Requirements\n\nFannie Mae requires a detailed and supported cost approach to value all manufactured homes which may include:\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 110 of 166\n\nUAD 3.6 Policy\n\nsite value\n\n•\n• home delivery, installation, and setup;\n•\nreplacement or reproduction; and\n• depreciation\n\nThe sales comparison and cost approach to value are complementary for the valuation of manufactured housing and must support the\nfinal value conclusion. A properly developed and detailed cost approach will provide the information necessary for an appraiser to\n\nrecognize differences in manufactured home construction quality based on the UAD quality rating definitions,\n\n•\n• understand the difference between the comparable sales and the subject property,\n•\n•\n\nextract from the market appropriate adjustments for the sales comparison analysis, and\nidentify sales of manufactured homes that are similar to the subject property to use as comparable sales.\n\nNote: Personal property must not be included in the cost approach to value.\n\nSources of Manufactured Housing Data\n\nSources such as MLS and public records are important and may contain some manufactured housing data; however, appraisers\nmust utilize other data sources, such as manufactured home dealers and construction companies/builders experienced in the\ndelivery, installation, and setup of manufactured homes.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 111 of 166\n\nUAD 3.6 Policy\n\nSB4-1.4-05, Leasehold Interests Appraisal Requirements (06/04/2025)\n\nIntroduction\n\nThis topic contains information on special appraisal considerations for properties subject to leasehold interests, including:\n"}
diff --git a/chunks/json/611848aa735c6c78c4e1889a36a0f59ba4a36c3190efe0e2f3d1be5023d2f9aa.json b/chunks/json/611848aa735c6c78c4e1889a36a0f59ba4a36c3190efe0e2f3d1be5023d2f9aa.json
new file mode 100644
index 0000000000000000000000000000000000000000..466efe94ff1b24667dbda99b24f3521c3dc87c3c
--- /dev/null
+++ b/chunks/json/611848aa735c6c78c4e1889a36a0f59ba4a36c3190efe0e2f3d1be5023d2f9aa.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12358,"char_start":10500,"chunk_id":"chk_8cb2db086f0ac8a1","chunk_index":6,"chunk_sha256":"611848aa735c6c78c4e1889a36a0f59ba4a36c3190efe0e2f3d1be5023d2f9aa","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8d4a57dd06546df7","text_sha256":"611848aa735c6c78c4e1889a36a0f59ba4a36c3190efe0e2f3d1be5023d2f9aa","token_estimate":502,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/National_Mortgage_Database__NMDB___Aggregate_Stati_fnqnit.md"]},"text":"**Notes:**\n\n1) All CSV file headers are now standardized as described in the Data Dictionary and Technical Notes and all CSV files are zipped.\n\n2) Alternate wide format CSV files are available. The wide format may be more easily opened by MS Excel.\n\n**New Residential Mortgage Statistics**\n\nNew Residential Mortgage Statistics Format Release Date **Annual Data (1998-2024)** All Geographic Areas [[CSV]](/document/nmdb-new-mortgage-statistics-all-annual.zip) 12/30/2025 National, Census Regions, and Census Divisions [[CSV]](/document/nmdb-new-mortgage-statistics-national-census-areas-annual.zip) 12/30/2025 States [[CSV]](/document/nmdb-new-mortgage-statistics-states-annual.zip) 12/30/2025 **Quarterly ​Data (1998 Q1 - 2025 Q1)** National, Census Regions, and Census Divisions [[CSV]](/document/nmdb-new-mortgage-statistics-national-census-areas-quarterly.zip) 12/30/2025 **Monthly ​Data (January 1998 - March 2025)** Nati​onal, Census Regions, and Census Divisions [[CSV]](/document/nmdb-new-mortgage-statistics-national-census-areas-monthly.zip) 12/30/2025 **Alternate Wide Format Files** Alternate Wide Format Files [[CSV]](/document/nmdb-new-mortgage-statistics-wide-column-format.zip) 12/30/2025\n\n**Outstanding Residential Mortgage Statistics**\n\nOutstanding Residential Mortgage Statistics Format Release Date **Quarterly ​Data (2013 Q1 - 2025 Q3)** All Geographic Areas [[CSV]](/document/nmdb-outstanding-mortgage-statistics-all-quarterly.zip) 12/30/2025 National, Census Regions, and Census Divisions [[CSV]](/document/nmdb-outstanding-mortgage-statistics-national-census-areas-quarterly.zip) 12/30/2025 States [[CSV]](/document/nmdb-outstanding-mortgage-statistics-states-quarterly.zip) 12/30/2025 **Alternate Wide Format Files** Alternate Wide Format Files [[CSV]](/document/nmdb-outstanding-mortgage-statistics-wide-column-format.zip) 12/30/2025\n"}
diff --git a/chunks/json/611e409055a1c2dd02f24cf7a5badf373a4ddf687e8162d73dbe10b5a263e533.json b/chunks/json/611e409055a1c2dd02f24cf7a5badf373a4ddf687e8162d73dbe10b5a263e533.json
new file mode 100644
index 0000000000000000000000000000000000000000..cae564fc6eed5016fc4e392caff13f1e77ae6cf3
--- /dev/null
+++ b/chunks/json/611e409055a1c2dd02f24cf7a5badf373a4ddf687e8162d73dbe10b5a263e533.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":41323,"char_start":39449,"chunk_id":"chk_5698171e8030ba74","chunk_index":21,"chunk_sha256":"611e409055a1c2dd02f24cf7a5badf373a4ddf687e8162d73dbe10b5a263e533","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"611e409055a1c2dd02f24cf7a5badf373a4ddf687e8162d73dbe10b5a263e533","token_estimate":469,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"50 12 CFR 1003.4(a)(21); CFPB, 2018 Reportable\nHMDA Data: A Regulatory and Reporting Overview\nReference Chart for HMDA Data Collected in 2018\nat 27, https://files.consumerfinance.gov/f/\ndocuments/201710_cfpb_reportable-hmda-data_\nregulatory-and-reporting-overview-reference-\nchart.pdf (Aug. 31, 2018).\n\n51 84 FR at 656.\n52 80 FR at 66180–81; 12 CFR 1003.4(a)(5) and\n\n(31).\n\n53 12 CFR 1003.2(n). The Safety and Soundness\n\nAct also defines multifamily as five or more\ndwelling units. 12 U.S.C. 4502(18).\n\n49 84 FR at 661–663, 671–673.\n\n54 84 FR at 656.\n\nVerDate Sep<11>2014 18:35 Jun 02, 2020 Jkt 250001 PO 00000 Frm 00041 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\nFederal Register / Vol. 85, No. 107 / Wednesday, June 3, 2020 / Notices\n\n34201\n\nmaturity.55 For purchased loans, Loan\nTerm is measured from origination.56\nThe PUDB Single-Family National File\nC currently includes the data element\nTerm of Mortgage at Origination, which\ncorresponds to HMDA Loan Term. Loan\nTerm will be disclosed in the PUDB\nSingle-Family Census Tract File without\nmodification, in conformance with the\nCFPB Privacy Guidance.57\n\nCombined Loan-to-Value (CLTV):\n\nCLTV is a new HMDA data element that\ndiscloses the ratio at origination of the\ntotal amount of debt secured by the\nproperty to the value of the property\nrelied on in making the credit decision\n(discussed above in Section II.B.1.),\ndisclosed as a percentage.58 LTV or\nCLTV if available is currently disclosed\nin the PUDB Single-Family National\nFiles A and C in ranges, without\ndisclosing whether the value is LTV or\nCLTV. To conform with HMDA, the\nactual ratio for LTV or CLTV will be\ndisclosed in the PUDB Single-Family\nCensus Tract File without modification,\nand without disclosing whether it is\nLTV or CLTV, in conformance with the\nCFPB Privacy Guidance.59\n"}
diff --git a/chunks/json/61244e0123673eb4c7c79da795085046b95e91b7e27a60b0babe1d417795907d.json b/chunks/json/61244e0123673eb4c7c79da795085046b95e91b7e27a60b0babe1d417795907d.json
new file mode 100644
index 0000000000000000000000000000000000000000..a927d1b37232ee8a89360feebedcb59b8428e24e
--- /dev/null
+++ b/chunks/json/61244e0123673eb4c7c79da795085046b95e91b7e27a60b0babe1d417795907d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":92415,"char_start":90607,"chunk_id":"chk_33afa64eefcdebe1","chunk_index":49,"chunk_sha256":"61244e0123673eb4c7c79da795085046b95e91b7e27a60b0babe1d417795907d","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"61244e0123673eb4c7c79da795085046b95e91b7e27a60b0babe1d417795907d","token_estimate":452,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"The text of the Orders is as follows:\n\nFederal Housing Finance Agency\n\nOrder Nos. 2020–OR–FNMA–2; and\n\n2020–OR–FHLMC–2.\n\nRevisions to Data Requirements for\nEnterprise Public Use Database To\nInclude New Home Mortgage Disclosure\nAct Data Elements\n\nWhereas, the Federal Housing\nEnterprises Financial Safety and\nSoundness Act of 1992 (Safety and\nSoundness Act) (12 U.S.C. 4543)\nrequires the Federal Housing Finance\nAgency (FHFA) to make available\nannually to the public certain loan-level\nmortgage data elements related to\nsingle-family and multifamily mortgages\npurchased by the Federal National\nMortgage Association (Fannie Mae) and\nthe Federal Home Loan Mortgage\nCorporation (Freddie Mac) (collectively,\nthe Enterprises) in a calendar year;\n\nWhereas, FHFA publishes annually\nthe required Enterprise mortgage data\nelements in an Enterprise Public Use\nDatabase (PUDB);\n\n178 12 U.S.C. 4543(a)(1).\n\nWhereas, the mortgage data elements\n\nfor the PUDB are submitted by Fannie\nMae and Freddie Mac to FHFA in the\nreports required under section 309(m) of\nthe Federal National Mortgage\nAssociation Charter Act (12 U.S.C.\n1723a(m)) and section 307(e) of the\nFederal Home Loan Mortgage\nCorporation Act (12 U.S.C. 1456(e)),\nrespectively, and in other submissions\nto FHFA;\n\nWhereas, the Safety and Soundness\nAct (12 U.S.C. 4543(a)(2), 4546(d)(1))\nfurther provides that the mortgage data\nelements must include data elements\nthat are the same as those required to be\nreported under the Home Mortgage\nDisclosure Act of 1975 (HMDA) (12\nU.S.C. 2801 et seq.), which must be\nmade available to the public at the\ncensus tract level, subject to privacy\nconsiderations, as described in section\n304(j) of HMDA (12 U.S.C. 2803(j)), and\nthus may not be withheld from public\ndisclosure notwithstanding any\nEnterprise proprietary interests;\n"}
diff --git a/chunks/json/6141f6e3fd7dc438af816a23eab935fc520c860aed0543eaf0f084ce0cb2fdde.json b/chunks/json/6141f6e3fd7dc438af816a23eab935fc520c860aed0543eaf0f084ce0cb2fdde.json
new file mode 100644
index 0000000000000000000000000000000000000000..0dbc211463c900368f1b3b80e30b2655ef8e6756
--- /dev/null
+++ b/chunks/json/6141f6e3fd7dc438af816a23eab935fc520c860aed0543eaf0f084ce0cb2fdde.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":368114,"char_start":366507,"chunk_id":"chk_917f2e4f9d5d546b","chunk_index":204,"chunk_sha256":"6141f6e3fd7dc438af816a23eab935fc520c860aed0543eaf0f084ce0cb2fdde","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"6141f6e3fd7dc438af816a23eab935fc520c860aed0543eaf0f084ce0cb2fdde","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"N/A - XML\n\n11.5\n\nN/A - XML\n\n@gse:DisplayLabelT\next\n\nTenant Security\nDeposit\n\nClosingAdjustmentI\ntemAmount\n\n100.00\n\nRepresented on the\nform as $100.00\n\nClosingAdjustmentI\ntemPaidOutsideOfC\nlosingIndicator\n\nfalse\n\nNot Shown\n\nIntegratedDisclosur\neSectionType\n\nDueFromBorrower\nAtClosing\n\nNot Shown\n\nIntegratedDisclosur\neSubsectionType\n\nAdjustments\n\nNot Shown\n\nSecond instance of CLOSING_ADJUSTMENT_ITEM_DETAIL\n\n11.5\n\nPrincipal Reduction …/CLOSING_ADJUS\nTMENT_ITEM/CLOS\nING_ADJUSTMENT_\nITEM_DETAIL\n\nClosingAdjustmentI\ntemType\n\nOther\n\nROF as “Principal\nReduction”\n\nClosingAdjustmentT\nypeOtherDescriptio\nn\n\nPrincipalReduction\n\nAppendix E: UCD Implementation Guide\n\nPage 168 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n11.0 K. Due from Borrower at Closing\n\nTable 111. Adjustments to Items Due from 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\n$500 Principal\nReduction for\nexceeding legal\nlimits P.O.C. Ficus\nBank\n\nSince this is a string\nfield, the text is\nrepresented on the\nform exactly as\nprovided\n\nClosingAdjustmentI\ntemAmount\n\n500.00\n\nROF as $500.00\n\nClosingAdjustmentI\ntemPaidOutsideOfC\nlosingIndicator\n\ntrue\n\nROF as “P.O.C.”\n\nIntegratedDisclosur\neSectionType\n\nDueFromBorrower\nAtClosing\n\nIntegratedDisclosur\neSubsectionType\n\nAdjustments\n\nFullName\n\nFicus Bank\n\nROF “Ficus Bank”\n\n11.5.1 Principal Reduction\n\n($)\n\n11.5.1\n\n11.5 N/A - XML\n\n11.5 N/A - XML\n\n11.5\n\n…/CLOSING_ADJUS\nTMENT_ITEM//CLO\nSING_ADJUSTMENT\n_ITEM_PAID_BY/IN\nDIVIDUAL/NAME\n\n11. 6 – 11. 9 ADJUSTMENTS FOR I TEM S PAI D BY SELLER I N ADVANCE\n"}
diff --git a/chunks/json/6146e89cb87aa098c585d2c3b3daae1aedea7b3b8252b0fc25b4a314f586f4cb.json b/chunks/json/6146e89cb87aa098c585d2c3b3daae1aedea7b3b8252b0fc25b4a314f586f4cb.json
new file mode 100644
index 0000000000000000000000000000000000000000..c681816062d6eeba7f2510448727a158f263a71f
--- /dev/null
+++ b/chunks/json/6146e89cb87aa098c585d2c3b3daae1aedea7b3b8252b0fc25b4a314f586f4cb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":71415,"char_start":69802,"chunk_id":"chk_9e37f30fd82316c4","chunk_index":21,"chunk_sha256":"6146e89cb87aa098c585d2c3b3daae1aedea7b3b8252b0fc25b4a314f586f4cb","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"6146e89cb87aa098c585d2c3b3daae1aedea7b3b8252b0fc25b4a314f586f4cb","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Form\nField ID\n\nForm Section Name\n\nPurchase Transactions Only\n\nModel Form\n\nSplit-Borrower Only\n\nNon-Seller Transactions\nOnly Alternate Form\n\n1.0\n\n2.0\n\n3.0\n\n4.0\n\n5.0\n\n6.0\n\nClosing Information\n\nTransaction Information\n\nLoan Information\n\nLoan Terms Table\n\nProjected Payments Table\n\nCosts at Closing\n\n7.0\n\nLoan Costs Table (A – D)\n\n8.0\n\nOther Costs Table (E – I)\n\n✓\n\n✓\n\n✓\n\n✓\n\n✓\n\n✓\n\nSeller-Paid Columns Only\nfor fees & real estate\ncommissions for both\nagents\n\nSeller-Paid Columns Only\nfor fees & real estate\ncommissions for both\nagents\n\n9.0\n\n10.0\n\nJ. Total Closing Costs\nTable\n\nCalculating Cash to Close\nTable\n\n✓\n\n✓\n\n✓\n\n✓\n\n✓\n\n✓\n\n✓\n\n✓\n\n✓\n\n✓\n\n✓\n\n✓\n\n1.7 label variation\n\n2.1 & 2.3 only\n\n✓\n\n✓\n\n✓\n\nAdds designation From/To\nBorrower\n\nBorrower & Paid By Others\nColumns Only\n\nBorrower and Paid By Others\nColumns Only\n\nBorrower and Paid By Others\nColumns Only\n\nAppendix E: UCD Implementation Guide\n\nPage 15 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nIII. Closing Disclosure Variations – UPDATED\n\nTable 3. 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\nOnly Alternate Form\n\n10.A\n\n11.0\n\n12.0\n\n13.0\n\n14.0\n\n15.0\n\n16.0\n\n17.0\n\n18.0\n\n19.0\n\n20.0\n\n21.0\n\n22.0\n\n23.0\n\nAlternative Calculating\nCash to Close Table\n\nK. Due from Borrower at\nClosing\n\nL. Paid Already by or on\nBehalf of Borrower at\nClosing\n\nCALCULATION\n\n✓\n\n✓\n\n✓\n\n✓\n\nM. Due to Seller at Closing\n\n14.4-14.7\n\nN. Due from Seller at\nClosing\n\nCALCULATION\n\nLoan Disclosures\n\nEscrow Account\n\nAdjustable Payment (AP)\nTable\n\n15.7 and 15.9-15.12\n"}
diff --git a/chunks/json/616ae66d028da63ddfe8dc753cbbe08080833da90c3a6ed5efccef9321f63601.json b/chunks/json/616ae66d028da63ddfe8dc753cbbe08080833da90c3a6ed5efccef9321f63601.json
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diff --git a/chunks/json/61731f511ec7bb94f8f4024c7fef7d4be2eab00c1352b7e1c11095989bd07139.json b/chunks/json/61731f511ec7bb94f8f4024c7fef7d4be2eab00c1352b7e1c11095989bd07139.json
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+{"chunk":{"char_end":50437,"char_start":47914,"chunk_id":"chk_47f0ea5c814099f6","chunk_index":28,"chunk_sha256":"61731f511ec7bb94f8f4024c7fef7d4be2eab00c1352b7e1c11095989bd07139","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b28a85df80ca57ef","text_sha256":"61731f511ec7bb94f8f4024c7fef7d4be2eab00c1352b7e1c11095989bd07139","token_estimate":631,"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":"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 AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 22 of 22\nPage 22 of 22\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/6173e93ae24b519c954f9ffc789575bfe70a77b2d44fb808952089a879493716.json b/chunks/json/6173e93ae24b519c954f9ffc789575bfe70a77b2d44fb808952089a879493716.json
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+{"chunk":{"char_end":40686,"char_start":38822,"chunk_id":"chk_2be032ff2279c157","chunk_index":21,"chunk_sha256":"6173e93ae24b519c954f9ffc789575bfe70a77b2d44fb808952089a879493716","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"6173e93ae24b519c954f9ffc789575bfe70a77b2d44fb808952089a879493716","token_estimate":466,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"• be legally classified as real property, and\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 18 of 166\n\nUAD 3.6 Policy\n\n•\n\nconform to all local building codes in the jurisdiction in which they are permanently located.\n\nThe purchase, conveyance, and financing (or refinancing) must be evidenced by a valid and enforceable first-lien mortgage or\ndeed of trust that is recorded in the land records and must represent a single real estate transaction under applicable state law.\nThe lender is responsible for perfecting the real estate title and obtaining any needed title endorsements before selling the loan\nto Fannie Mae when a unit is titled as personal property similarly to manufactured homes.\n\nAll factory-built units must be permanently attached to a foundation that meets the standards for local building codes where the\nunit will be placed and in accordance with the recommendations prescribed by the unit’s manufacturer (when applicable). If the\nunit had axles, wheels, tow hitch, or other hardware to facilitate ease of transportation to the site, the lender is responsible for\nensuring that all such hardware is removed prior to selling the loan to Fannie Mae.\n\nFannie Mae treats modular, prefabricated, panelized, or sectional housing the same as site-built housing. Therefore, Fannie Mae\ndoes not have minimum requirements for width, size, roof pitch, or any other specific construction details.\n\nModular Construction Techniques on Multi-Unit Buildings\n\nMulti-unit buildings such as condos, co-ops, and townhomes may be constructed, in whole or in part, through the use of modular\nconstruction techniques. All buildings must conform to local building codes in the jurisdiction in which they are permanently\nlocated. Units in these buildings are provided the same treatment as units in multi-unit buildings constructed with site-built\ntechniques.\n"}
diff --git a/chunks/json/617a58f20f629a1123a66ed77c85df8add080ca15445eba9898c66d57c0a55e6.json b/chunks/json/617a58f20f629a1123a66ed77c85df8add080ca15445eba9898c66d57c0a55e6.json
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diff --git a/chunks/json/6185f549855a51e2a06724ced4ab7ccd21ae432cc1dc9dff166440d389fa7ec2.json b/chunks/json/6185f549855a51e2a06724ced4ab7ccd21ae432cc1dc9dff166440d389fa7ec2.json
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+{"chunk":{"char_end":464963,"char_start":463211,"chunk_id":"chk_6a904172fb4aa36f","chunk_index":268,"chunk_sha256":"6185f549855a51e2a06724ced4ab7ccd21ae432cc1dc9dff166440d389fa7ec2","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"6185f549855a51e2a06724ced4ab7ccd21ae432cc1dc9dff166440d389fa7ec2","token_estimate":438,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"2. 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 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"}
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+{"chunk":{"char_end":461164,"char_start":459530,"chunk_id":"chk_e7bcd6307f77c64b","chunk_index":273,"chunk_sha256":"6186b96a70322f301b172737b0609a0c48dada14d64b703d091a64d6b2456e3c","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"6186b96a70322f301b172737b0609a0c48dada14d64b703d091a64d6b2456e3c","token_estimate":409,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"•\n•\n\nReport Estimated Percentage of Commercial Space as 20%.\n\nExample 2: The subject unit is in a 10-story building. Each floor is 10,000 square\nfeet.\n•\n•\n•\n\nThe first 2 floors of the building are retail/commercial.\nThe upper 8 floors are residential condominium units.\nThe retail commercial project and the residential condominium project\nare separate and unrelated legal entities, sometimes referred to as a\n“floating” condo.\n\nReport Estimated Percentage of Commercial Space as 20%.\n\nThere is no commercial space in buildings 1 – 3.\nBuilding 4 is 100% commercial.\n\nExample 3: The subject unit is located in Building 1 in a condominium project\nwith 4 buildings. Each of the buildings are 50,000 square feet.\n•\n•\nReport Estimated Percentage of Commercial Space as 25%, and the percentage\nof commercial space in the subject building as 0% in Commercial Space\nComment.\n\nExample 4: Project has 2 buildings; total size of each building is 40,000 square\nfeet.\n•\n•\n\nBuilding 1 (which includes the subject unit) has no commercial space.\nBuilding 2 has an estimated 10,000 square feet of retail commercial space\non the first floor that is a separate legal entity from the project.\nReport Estimated Percentage of Commercial Space as 12.5%, and the\npercentage of commercial space in the subject building as 0% in Commercial\nSpace Comment.\n\nExample 5: Project has 2 buildings; total size of each building is 40,000 square\nfeet.\n•\n•\n\nBuilding 1 has no commercial space.\nBuilding 2 (which includes the subject unit) has an estimated 10,000\nsquare feet of retail commercial space on the first floor that is a separate\nlegal entity from the project.\n"}
diff --git a/chunks/json/618ad5858a09da15b2db159b3961b9cb80de846dccd09530165834d219c1d4a5.json b/chunks/json/618ad5858a09da15b2db159b3961b9cb80de846dccd09530165834d219c1d4a5.json
new file mode 100644
index 0000000000000000000000000000000000000000..c792dcf8d6ccb39ba125fd31e5d4ce7871e08f5a
--- /dev/null
+++ b/chunks/json/618ad5858a09da15b2db159b3961b9cb80de846dccd09530165834d219c1d4a5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":19478,"char_start":17815,"chunk_id":"chk_4d98546b8ecf1adf","chunk_index":7,"chunk_sha256":"618ad5858a09da15b2db159b3961b9cb80de846dccd09530165834d219c1d4a5","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2b6a9e94e3fa6d9e","text_sha256":"618ad5858a09da15b2db159b3961b9cb80de846dccd09530165834d219c1d4a5","token_estimate":413,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Freddie_Mac_Single_Fam_r5x1k.md"]},"text":"## UAD Documentation\n\nThe following UAD resources provide the actionable documentation needed to translate the data entered on the report into the format required for submission via the UCDP.\n\n[### UAD 3.6 Subschema Zip File\n\nThe UAD documentation leverages the MISMO Version 3.6. The GSEs have created a Subschema that contains only the data elements needed to support the UAD 3.6 specification and includes additional enforcement.](/docs/zip/uad-3.6-schema.zip)\n\n## Uniform Residential Appraisal Report\n\n[### Appendix A-1: UAD 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.](/docs/xls/requirements/appendix-a-1-urar-delivery-specification.xlsx)\n\n[### Appendix B-1: URAR Implementation Guide (iGuide)\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.](/docs/zip/requirements/appendix-b-1-urar-implementation-guide.zip)\n\n[### Appendix C-1: URAR Layout\n\nThis zip file contains the URAR Layout with Report Field IDs and the URAR Layout without Report Field IDs. The purpose of these documents is to show all possible Report Labels that may display on the URAR, regardless of conditionality.](/docs/zip/requirements/appendix-c-1-urar-layout.zip)\n\n[### Appendix D-1: URAR Sample Scenarios and XML Files\n"}
diff --git a/chunks/json/618e5f2ddb1fc67e5a7a198b3d90f18d6e56fcfe02c6386bb33b4d4eb05d6997.json b/chunks/json/618e5f2ddb1fc67e5a7a198b3d90f18d6e56fcfe02c6386bb33b4d4eb05d6997.json
new file mode 100644
index 0000000000000000000000000000000000000000..937680b34edfe8fd78b17853119b7dfe1b99022c
--- /dev/null
+++ b/chunks/json/618e5f2ddb1fc67e5a7a198b3d90f18d6e56fcfe02c6386bb33b4d4eb05d6997.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":365140,"char_start":363523,"chunk_id":"chk_461e97355768d007","chunk_index":213,"chunk_sha256":"618e5f2ddb1fc67e5a7a198b3d90f18d6e56fcfe02c6386bb33b4d4eb05d6997","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"618e5f2ddb1fc67e5a7a198b3d90f18d6e56fcfe02c6386bb33b4d4eb05d6997","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"If field 6-27 (Supervisor Name) is populated\nthen one and only one of fields 6-38, 6-39, 6-\n41 (Appraisal Inspection Property Type =\n'Subject' and values of Appraisal Inspection\nType) should be indicated.\n\nIf field 6-41 (Appraisal Inspection Property\nType = 'Subject' and Appraisal Inspection\nType = 'ExteriorAndInterior') is indicated this\nfield should be populated.\n\nIf field 6-27 (Supervisor Name) is populated\nthen one and only one of fields 6-43, 6-44\n(Appraisal Inspection Property Type =\n'Comparable' and values of Appraisal\nInspection Type) should be indicated.\nIf field 6-27 (Supervisor Name) is populated\nthen one and only one of fields 6-43, 6-44\n(Appraisal Inspection Property Type =\n'Comparable' and values of Appraisal\nInspection Type) should be indicated.\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nT\n\nCR\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 79 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\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\n518\n\n6\n\n45\n\nAPPRAISER\nCERTIFICATION\n\nDate of Inspection\n\nInspection Date\n\nThe date the inspection of the\nproperty was performed.\n\n519\n\nAll\n\n226\n\nFOOTER\n\nBLANK\n\nAppraisal Report\nContent Identifier\n\nAn additional identifier that is used\nfor uniquely identifying appraisal\nforms or addendums. This may be an\ninternal systems identifier.\n"}
diff --git a/chunks/json/6191df794aa6077c5088c0e878af3c31fe00bc08f71330753e82dde6504a9519.json b/chunks/json/6191df794aa6077c5088c0e878af3c31fe00bc08f71330753e82dde6504a9519.json
new file mode 100644
index 0000000000000000000000000000000000000000..af3b1da4854a55fa07111e978435d4a43ff0104d
--- /dev/null
+++ b/chunks/json/6191df794aa6077c5088c0e878af3c31fe00bc08f71330753e82dde6504a9519.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":14111,"char_start":12454,"chunk_id":"chk_f2c24f9e925e1725","chunk_index":7,"chunk_sha256":"6191df794aa6077c5088c0e878af3c31fe00bc08f71330753e82dde6504a9519","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_754a964b374dcce9","text_sha256":"6191df794aa6077c5088c0e878af3c31fe00bc08f71330753e82dde6504a9519","token_estimate":415,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Do_Business_with_Us___FHFA_pazjp.md"]},"text":"Contracts and purchase orders are definitive contracting mechanisms that define specific performance periods, prices, and terms. Contracts typically are for larger acquisitions greater than $350,000, and purchase orders are usually for smaller amounts.\n\n- ### Acquisitions $15,000 and Less\n\n- When a requirement is $15,000 or less, competitive pricing is not required. Awards may be made directly using the FHFA purchase card.\n- FHFA prefers this method for acquiring low-cost goods and administrative services because it is efficient, cost effective, and saves money.\n- ### Acquisitions $350,000 and Less\n\n- FHFA uses simplified acquisition procedures for contracting requirements that are not complex in nature and are $350,000 or less.\n- We may make telephone calls or issue written requests for quotes from generally a minimum of three firms. Award documents are typically commercial (short form) contracts.\n- ### Contracts Greater than $350,000\n\n- FHFA uses more formal contracting procedures for requirements that are complex and greater than $350,000. We issue formal solicitations and award contracts for these requirements.\n- We generally solicit a minimum of three firms. Award decisions are generally based on a best-value basis to responsible firms.\n- ### Noncompetitive Acquisition\n\n- If FHFA determines only one firm can provide the goods or services required, we use noncompetitive contracting procedures following the Competition in Contracting Act of 1984.\n- Unique situations may and do arise in which competitive acquisition is not possible. These generally involve urgent or specialized requirements.\n## Contracting on a Best-Value Basis\n"}
diff --git a/chunks/json/6194cfbdc190095add271a532a3e64bc26ca074872bb8506c4143b88b527c695.json b/chunks/json/6194cfbdc190095add271a532a3e64bc26ca074872bb8506c4143b88b527c695.json
new file mode 100644
index 0000000000000000000000000000000000000000..29fe775113a7dd1de212b749023d281dfa92eeb5
--- /dev/null
+++ b/chunks/json/6194cfbdc190095add271a532a3e64bc26ca074872bb8506c4143b88b527c695.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1756,"char_start":0,"chunk_id":"chk_599abb160a7bdab1","chunk_index":0,"chunk_sha256":"6194cfbdc190095add271a532a3e64bc26ca074872bb8506c4143b88b527c695","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_bd409e86684619b1","text_sha256":"6194cfbdc190095add271a532a3e64bc26ca074872bb8506c4143b88b527c695","token_estimate":535,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Enterprise_Non_Performing_Loan_Sales_Report___U_S__v3kpd5.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/enterprise-non-performing-loan-sales-report\"\ndate_accessed: \"2026-01-27T17:48:04.326Z\"\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/619b04beb16b9dbd2e562904e5c200b7197204d70e6cda5cf74d60c7cdc0dde9.json b/chunks/json/619b04beb16b9dbd2e562904e5c200b7197204d70e6cda5cf74d60c7cdc0dde9.json
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index 0000000000000000000000000000000000000000..8af3822fc70d4872837bd94dfa223621b41d851f
--- /dev/null
+++ b/chunks/json/619b04beb16b9dbd2e562904e5c200b7197204d70e6cda5cf74d60c7cdc0dde9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":150945,"char_start":149332,"chunk_id":"chk_69d2affdf4f53d70","chunk_index":136,"chunk_sha256":"619b04beb16b9dbd2e562904e5c200b7197204d70e6cda5cf74d60c7cdc0dde9","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"619b04beb16b9dbd2e562904e5c200b7197204d70e6cda5cf74d60c7cdc0dde9","token_estimate":403,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Appraiser Certifications (H1)\n\n• Text sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs.\n\n• Numbered items set as TXC-NP Myriad Pro x 45 picas, 5 points extra space between paragraphs.\n\no Numbers set Myriad Pro Bold, followed by a period to text.\n\n•\n\n“Description:” (Certification #6) indent 1 pica 6 points and sets as TXC-NPI-B Myriad Pro Bold (lead in to\nMyriad Pro Regular text) x 45 picas.\n\nAdditional Appraiser Certifications (H2)\n\n•\n\n“Additional Appraiser Certifications cannot be contrary to the original Appraiser Certifications.” sets as\nTXC-I Myriad Pro Italic x 45 picas.\n\n• Numbered items set as TXC-NP Myriad Pro x 45 picas, 5 points extra space between paragraphs.\n\no Numbers set Myriad Pro Bold, followed by a period to text.\n\nSupervisory Appraiser Certifications (H1)\n\n• Text sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs.\n\n• Numbered items set as TXC-NP Myriad Pro x 45 picas, 5 points extra space between paragraphs.\n\no Numbers set Myriad Pro Bold, followed by a period to text.\n\nAppendix E: Report Style Guide\n\nPage 89 of 90\n\nVersion 1.4\n\nAdditional Supervisory Appraiser Certifications (H2)\n\n•\n\n“Additional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser\nCertifications.” sets as TXC-I Myriad Pro Italic x 45 picas.\n\n• Numbered items set as TXC-NP Myriad Pro x 45 picas, 5 points extra space between paragraphs.\n\no Numbers set Myriad Pro Bold, followed by a period to text.\n\nSignature (H1)\n\nLeft-hand side of page\n\n•\n\n“[Role]” sets as TX-B (brackets do not set, they indicate a placeholder).\n"}
diff --git a/chunks/json/61b20e3f4bd9610862ab647a14d71f643e7f1572238d3e83f4062d2146fb8a5c.json b/chunks/json/61b20e3f4bd9610862ab647a14d71f643e7f1572238d3e83f4062d2146fb8a5c.json
new file mode 100644
index 0000000000000000000000000000000000000000..baa5ccf47aeb6d8d66819a4666870ae8d0f3bf99
--- /dev/null
+++ b/chunks/json/61b20e3f4bd9610862ab647a14d71f643e7f1572238d3e83f4062d2146fb8a5c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":413412,"char_start":411765,"chunk_id":"chk_6279b1d757f395fa","chunk_index":232,"chunk_sha256":"61b20e3f4bd9610862ab647a14d71f643e7f1572238d3e83f4062d2146fb8a5c","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"61b20e3f4bd9610862ab647a14d71f643e7f1572238d3e83f4062d2146fb8a5c","token_estimate":412,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Homeowner’s\nAssociation Dues\n\n18.4 |\n8.10.1\n\nInitial Escrow\nPayment at Closing –\nBorrower-Paid ($)\n\n…/INTEGRATED_DISC\nLOSURE_SECTION_S\nUMMARY_DETAIL\n\nIntegratedDisclosure\nSectionTotalAmount\n\n412.25\n\n18.4 |\n8.10.1\n\nInitial Escrow\nPayment at Closing\n\nIntegratedDisclosure\nSectionType\n\nInitialEscrowPayment\nAtClosing\n\nN/A - XML\n\n18.5 |\n5.4.1\n\n…/PROJECTED_PAYM\nENT\n\n@SequenceNumber 1\n\nROF as “$3,461.76”\n\nROF as\n“Homeowner’s\nInsurance, Property\nTaxes, MI”\n\nRepresented on from\nas “$1800.00”\n\nRepresented as\n“Homeowner’s\nAssociation Dues”\n\nROF as “$412.25”\n\nRepresented on the\nform as “Initial\nEscrow Payment at\nClosing”\n\nNot shown – part of\nmapping for\nProjected Payments\ntable\n\nProjectedPaymentEst\nimatedEscrowPayme\nntAmount\n\n288.48\n\nROF as “$288.48”\n\n…/LOAN_DETAIL\n\nEscrowIndicator\n\ntrue\n\nROF as “ will have\nan escrow account”\n\n18.5 |\n5.4.1\n\nMonthly Escrow\nPayment ($)\n\n18.1 |\n5.4\n\n…  will have an\nescrow account…\n\n1. MAPPI NG GUI DANCE\n\n18.1 Although the EscrowIndicator also supports 5.4 in the Projected Payments table, it is included in the UCD\n\nXML file only once.\n\n18.2 | 18.2.1 | 18.3 | 18.3.1 The data points used to populate these fields (First Year Total Escrow Payment\n\nAmount, First Year Total Escrow Payment Description, First Year Total Non Escrow Payment Amount,\nand First Year Total Non Escrow Payment Description) are unique to the Closing Disclosure and are\n\nAppendix E: UCD Implementation Guide\n\nPage 193 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n18.0 Escrow Account - UPDATED\n\ncalculated and disclosed according to the Regulation. For this reason, they are included in the document-\nspecific INTEGRATED_DISCLOSURE_DETAIL.\n"}
diff --git a/chunks/json/61c87814d6c795a6a41d102bd53d5e0cd981ece5b29d9ff10d951775f7c1a821.json b/chunks/json/61c87814d6c795a6a41d102bd53d5e0cd981ece5b29d9ff10d951775f7c1a821.json
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index 0000000000000000000000000000000000000000..535d25f94178fd1d90f6b98fc59ee5e3b485ed36
--- /dev/null
+++ b/chunks/json/61c87814d6c795a6a41d102bd53d5e0cd981ece5b29d9ff10d951775f7c1a821.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":555311,"char_start":553706,"chunk_id":"chk_1aeb6abf5abc4859","chunk_index":320,"chunk_sha256":"61c87814d6c795a6a41d102bd53d5e0cd981ece5b29d9ff10d951775f7c1a821","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"61c87814d6c795a6a41d102bd53d5e0cd981ece5b29d9ff10d951775f7c1a821","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Assessor Record\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.\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 16 of 22\nPage 16 of 22\n\nSales Comparison Approach\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nGeneral Information\n\nProperty Address\n\n456 Something Rd\nSomewhere, VA 12345\n\n35361 Place Rd\nSomewhere, VA 12345\n\n38243 Liberty Rd\nSomewhere, VA 12345\n\n35422 Peace Rd\nSomewhere, VA 12345\n\n0.40 Miles N\n\n$789,000\n\nSettled Sale\n\n—\n\n$770,000\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\nNone\n\nNone\n\nThis is where the Dwelling\nFront photo would 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 | MLS 134710 Assessor Record | MLS 133832 Assessor Record | MLS 134531\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\nProperty Rights Appraised\n\nAnnual Ground Rent\n\nSite\n\nSite Size\n\n$799,900\n\nPending\n\n$765,000\n\nNo\n\n08/20/2019\n\n79\n\nDetached\n\nLeasehold\n\n$1,200\n\n0.9 Miles N\n\n$839,999\n\nSettled Sale\n\n—\n\n$810,000\n\n$0\n\n$0\n\n$0\n\nNo\n\n06/01/2019\n\n08/01/2019\n\n7\n\nDetached\n\nLeasehold\n\n$1,250\n\n0.56 Miles E\n\n$839,900\n\nSettled Sale\n\n—\n\n$820,000\n\n$0\n\n$0\n\n$0\n\nUnknown\n\n07/01/2018\n\n01/01/2019\n"}
diff --git a/chunks/json/61c8e0d25cf95517c1ff3d74bb1098fff75aded7cfe23086a452f82028a9f32f.json b/chunks/json/61c8e0d25cf95517c1ff3d74bb1098fff75aded7cfe23086a452f82028a9f32f.json
new file mode 100644
index 0000000000000000000000000000000000000000..03eaa48aafff50ce713124aa72b6079060ad5626
--- /dev/null
+++ b/chunks/json/61c8e0d25cf95517c1ff3d74bb1098fff75aded7cfe23086a452f82028a9f32f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9714,"char_start":8108,"chunk_id":"chk_71256589cbf1470f","chunk_index":5,"chunk_sha256":"61c8e0d25cf95517c1ff3d74bb1098fff75aded7cfe23086a452f82028a9f32f","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b28a85df80ca57ef","text_sha256":"61c8e0d25cf95517c1ff3d74bb1098fff75aded7cfe23086a452f82028a9f32f","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":"DOE\n\nRating\nHERS\n\nHome Energy Score\n\nFinancing Arrangement\n\nScore\n65\n\n7\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 #2 have solar panels and had energy audits that provided efficiency ratings.\nAnalysis of the data available indicates there is no measurable impact on market value. Analysis indicated that properties with energy efficient\nfeatures and certifications have, on average, a lower number of days on market than properties with no energy efficiency noted.\n\nEnergy Efficient and Green Features Exhibits\n\nSolar Panels\n\nHERS Score\n\nThis is where the Solar Panel photo would display.\n\nDOE Score\n\nThis is where the image of the Home Energy Score 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 5 of 22\nPage 5 of 22\n\nSketch\n\nMeasurement Standard\n\nANSI\n\nSketch\n\n22'\n\n'\n\n2\n\nBath\n\nWalk in\nCloset\n\nFamily\nRoom\n"}
diff --git a/chunks/json/61ca25114353f0119c913d95fda2dd887f530a965c5f0124c91455b075e7920c.json b/chunks/json/61ca25114353f0119c913d95fda2dd887f530a965c5f0124c91455b075e7920c.json
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+++ b/chunks/json/61ca25114353f0119c913d95fda2dd887f530a965c5f0124c91455b075e7920c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":105483,"char_start":103863,"chunk_id":"chk_28bcd57de9d4df16","chunk_index":41,"chunk_sha256":"61ca25114353f0119c913d95fda2dd887f530a965c5f0124c91455b075e7920c","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"61ca25114353f0119c913d95fda2dd887f530a965c5f0124c91455b075e7920c","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"The same data points used for 1.6 also populate 17.6 Security Interest, and appear in the XML file only once.\n\nTable 14. Property includes Personal Property\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\n1.6\n\nProperty\n\n…/COLLATERAL/PLE\nDGED_ASSET/ASSET\n_DETAIL\n\nAssetType\n\nSavingsBond\n\nAppendix E: UCD Implementation Guide\n\nPage 35 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n1.0 Closing Information\n\nTable 14. Property includes Personal Property\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\nAssetTypeOtherDesc\nription\n\nN/A\n\nNot provided unless\nAsset Type is “Other”\n\n1. 7 SALE PRI CE / APPRAI SED PROP. VALUE / EST I MATED PROP. VALUE\n\nThe form field name for 1.7 depends on the type of transaction and is determined by the value entered in 3.2\nPurpose (Figure 11).\n\n1. SALE PRI CE (PURCHASE TRANSACTI ON)\n\nFor purchase transactions, “Purchase” is entered for 3.2 Purpose, so the form field name for 1.7 must be Sale\nPrice, as illustrated in Figure 11.\n\n1.0 Closing Information\n\n2.0 Transaction Information\n\n3.0 Loan Information\n\n1.1 Date Issued\n\n4/15/2018\n\n2.1 Borrow er Michael Jones & Mary Stone\n\n3.1 Loan Ter m\n\n30 Years\n\n1.2 Closing Date\n\n4/18/2018\n\n1.3 Disbursement Date 4/19/2018\n\n123 Anywhere Street\n\n3.2 Purpose\n\nPurchase\n\nAnytown, ST 12345\n\n3.3 Product\n\n5/3 Adjustable Rate\n\n1.4 Settlement Agent\n\nEpsilon Title Company\n\n2.2 Seller\n\nSteve Cole and Amy Doe\n\n1.5 File #\n\nCD-3456\n\n321 Somewhere Drive\n\n3.4 Loan Type\n\n Conventional  FHA\n\n1.6 Property\n\n456 Somewhere Avenue, #284\n"}
diff --git a/chunks/json/61d060f8df3ad25072f6d6a6bdd43c64388597a9bdc707a3a42787cf843659dc.json b/chunks/json/61d060f8df3ad25072f6d6a6bdd43c64388597a9bdc707a3a42787cf843659dc.json
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+++ b/chunks/json/61d060f8df3ad25072f6d6a6bdd43c64388597a9bdc707a3a42787cf843659dc.json
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+{"chunk":{"char_end":286740,"char_start":285233,"chunk_id":"chk_26adbdd088d36eab","chunk_index":164,"chunk_sha256":"61d060f8df3ad25072f6d6a6bdd43c64388597a9bdc707a3a42787cf843659dc","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"61d060f8df3ad25072f6d6a6bdd43c64388597a9bdc707a3a42787cf843659dc","token_estimate":423,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"999.357 | 999.392\n\n…ROLE/REAL_ESTATE_AGENT\n\n999.289/999.290/999.291 |\n999.595/999.424/999.425 |\n999.593/999.322/999.323\n\nLICENSES/LICENSE/LICENSE_DETAIL\n\nLEGAL_ENTITY\n\n999.429 | 999.262 | 999.398 |\n999.295 | 999.440 | 999.327 |\n999.363\n\nPARTY\n\nHolds RealEstateAgentType identifying the\nRealEstateAgent as the “Listing” or “Selling” agent.\nThe Listing agent represents the property seller and\nthe Selling agent represents the property buyer.\n\nThis structure ending with LICENSE_DETAIL holds the\nNationwide Multistate Licensing System & Registry\n(NMLS) LicenseIdentifier for the individual lender and\nmortgage broker, and the LicenseIdentifier for the\nindividual closing agent.\n\n▪ These PARTY containers hold borrower or seller (if\na legal entity) and the companies that were part of\nthe transaction.\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\n999.433/999.434 | 999.264/999.265\n| 999.400/999.401 |\n999.297/999.298 | 999.444/999.445\n| 999.329/999.330 |\n999.365/999.366\n\n999.435/999.436 | 999.266/999.267\n| 999.402/999.403 |\n999.299/999.300 | 999.446/999.447\n| 999.331/999.332 |\n999.367/999.368\n\n999.437/999.438/999.439 |\n999.268/999.269/999.275 |\n999.404/999.405/999.410 |\n999.301/999.302/999.609 |\n999.448/999.449/999.450 |\n999.333/999.334/999.342 |\n999.369/999.370/999.377\n"}
diff --git a/chunks/json/61d6f4ab380239766fce4e172903af62e73c58b26299253903bfa322f3e3d1d9.json b/chunks/json/61d6f4ab380239766fce4e172903af62e73c58b26299253903bfa322f3e3d1d9.json
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+++ b/chunks/json/61d6f4ab380239766fce4e172903af62e73c58b26299253903bfa322f3e3d1d9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":462215,"char_start":460444,"chunk_id":"chk_b76b3140c5ed1591","chunk_index":258,"chunk_sha256":"61d6f4ab380239766fce4e172903af62e73c58b26299253903bfa322f3e3d1d9","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"61d6f4ab380239766fce4e172903af62e73c58b26299253903bfa322f3e3d1d9","token_estimate":443,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"The Affidavit must be signed by both the lender and the borrower(s), preferably recorded, and must be retained in the loan\nfile.\n\nFailure to include the Affidavit of Affixture in the loan file may result in the loan being ineligible for delivery to Fannie Mae.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 189 of 166\n\nUAD 3.6 Policy\n•\n\nIf state law requires a Uniform Commercial Code (UCC) filing in order to perfect a security interest in a manufactured\nhome, the lender must make such filing in any and all appropriate locations.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 190 of 166\n\nUAD 3.6 Policy\n\nSE-3, Acronyms and Glossary of Defined Terms\n\nNote: The following terms are NOT included in the current Selling Guide.\n\nE-3-13, Acronyms and Glossary of Defined Terms: M (12/10/2025)\n\nmulti-section manufactured home\n\nA manufactured home built in a factory as two or more sections, transported separately to the site, and assembled to create a single\nstructure containing one dwelling or multiple living units. The home is permanently affixed to the land, legally classified as real\nproperty, and may include multi-story structures as permitted by HUD Code.\n\nE-3-16, Acronyms and Glossary of Defined Terms: P (06/04/2025)\n\nproperty data collection\n\nThe act of physically or virtually observing and reporting property characteristics.\n\nE-3-19, Acronyms and Glossary of Defined Terms: S (12/10/2025)\n\nsingle-section manufactured home\n\nA manufactured home built as a single section in the factory and transported intact to the site. The home is permanently affixed to the\nland, legally classified as real property, and may include multi-story designs (provided the structure on which the manufactured home\nis placed is not another manufactured home).\n"}
diff --git a/chunks/json/61e9cc5b5a2270bb9ab4e76a5cf594a6470f74b73d39daa1b776ec6e18cf5d60.json b/chunks/json/61e9cc5b5a2270bb9ab4e76a5cf594a6470f74b73d39daa1b776ec6e18cf5d60.json
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+{"chunk":{"char_end":8982,"char_start":4442,"chunk_id":"chk_8b360b92f56d8661","chunk_index":3,"chunk_sha256":"61e9cc5b5a2270bb9ab4e76a5cf594a6470f74b73d39daa1b776ec6e18cf5d60","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_c20c5dcd6adb62af","text_sha256":"61e9cc5b5a2270bb9ab4e76a5cf594a6470f74b73d39daa1b776ec6e18cf5d60","token_estimate":1302,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Federal_Housing_Finance_Agency___OIG_plw6tp.md","exceeds_max_chunk_chars_truncated"]},"text":"{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/19\",\"currentPathIsAdmin\":false,\"isFront\":true,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"extlink_extra\":{\"extlink_alert_type\":\"page\",\"extlink_modal_width\":0,\"extlink_alert_timer\":0,\"extlink_alert_url\":\"https:\\/\\/www.fhfaoig.gov\\/now-leaving\",\"extlink_cache_fix\":0,\"extlink_exclude_warning\":\".*\\\\.gov\",\"extlink_508_fix\":1,\"extlink_508_text\":\" [external link]\",\"extlink_url_override\":0,\"extlink_url_params\":[]},\"google_analytics\":{\"account\":\"UA-27672623-1\",\"trackOutbound\":true,\"trackMailto\":true,\"trackDownload\":true,\"trackDownloadExtensions\":\"7z|aac|arc|arj|asf|asx|avi|bin|csv|doc(x|m)?|dot(x|m)?|exe|flv|gif|gz|gzip|hqx|jar|jpe?g|js|mp(2|3|4|e?g)|mov(ie)?|msi|msp|pdf|phps|png|ppt(x|m)?|pot(x|m)?|pps(x|m)?|ppam|sld(x|m)?|thmx|qtm?|ra(m|r)?|sea|sit|tar|tgz|torrent|txt|wav|wma|wmv|wpd|xls(x|m|b)?|xlt(x|m)|xlam|xml|z|zip\"},\"responsive_menus\":[{\"toggler_text\":\"\\u2630 Menu\",\"selectors\":[\"#block-mainnavigation\"],\"media_size\":\"768\",\"media_unit\":\"px\",\"absolute\":1,\"disable_mouse_events\":0,\"remove_attributes\":1,\"responsive_menus_style\":\"responsive_menus_simple\"}],\"data\":{\"extlink\":{\"extTarget\":true,\"extTargetNoOverride\":false,\"extNofollow\":false,\"extNoreferrer\":false,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\"\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssExplicit\":\"\",\"extAlert\":false,\"extAlertText\":\"\\u0026lt;h1\\u0026gt;WARNING: You are about to leave the government site\\u0026lt;\\/h1\\u0026gt;\\r\\n\\r\\n\\u0026lt;div class=\\u0026quot;extlink-extra-leaving\\u0026quot;\\u0026gt;Legal text about leaving the government web space. 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diff --git a/chunks/json/61fbc3eff9f7a8634fc1558b84e2756a24b5b8600260ee99f9e81c3b8e441c0e.json b/chunks/json/61fbc3eff9f7a8634fc1558b84e2756a24b5b8600260ee99f9e81c3b8e441c0e.json
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+{"chunk":{"char_end":109146,"char_start":107503,"chunk_id":"chk_1ba9797f1890ff33","chunk_index":64,"chunk_sha256":"61fbc3eff9f7a8634fc1558b84e2756a24b5b8600260ee99f9e81c3b8e441c0e","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"61fbc3eff9f7a8634fc1558b84e2756a24b5b8600260ee99f9e81c3b8e441c0e","token_estimate":411,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field should be populated if field 1-94\n(Site Zoning Compliance Type = 'Illegal') is\nindicated.\n\nOne and only one of fields 1-96, 1-97 (values\nof Highest and Best Use Indicator) should be\nindicated.\n\nOne and only one of fields 1-96, 1-97 (values\nof Highest and Best Use Indicator) should be\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\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 38 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\n106\n\n107\n\n108\n\n109\n\n110\n\n111\n\n112\n\n113\n\n114\n\n115\n\n116\n\n117\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\n100\n\nSITE\n\nUtilities\nElectricity\nOther\n\nSite Utility Non\nPublic Indicator\n\nIndicates whether the utility specified\nby Site Utility Type is a non-public\nutility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n/SITE_UTILITY[@_Type='Electricity']/@_Non\nPublicIndicator\n\n1\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\nthat the box has not been checked.\n\nIf no electric service is present, indicate 'None' in the description field.\n\nUtilities\nElectricity\nOther (describe)\n\nSite Utility Non\nPublic Description\n\nA free-form text field used to describe\nthe ownership of the utility specified\nby Site Utility Type if it is a non-\npublic utility.\n"}
diff --git a/chunks/json/620380ba2e8649d67972cd772a6ab5375ef0bb7259aa346c1ec0ecbf594d8612.json b/chunks/json/620380ba2e8649d67972cd772a6ab5375ef0bb7259aa346c1ec0ecbf594d8612.json
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+{"chunk":{"char_end":15109,"char_start":13505,"chunk_id":"chk_64055839024543f7","chunk_index":7,"chunk_sha256":"620380ba2e8649d67972cd772a6ab5375ef0bb7259aa346c1ec0ecbf594d8612","date_utc":"2026-01-27T17:50:59+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_0be59de6f173b03e","text_sha256":"620380ba2e8649d67972cd772a6ab5375ef0bb7259aa346c1ec0ecbf594d8612","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Uniform_Appraisal_Dataset__UAD__Aggregate_Statisti_l6yr1e.md"]},"text":"Have R​acial and ​Ethnic Valuation Gaps in Home Purchase Narrowed?\n\n[New Measures in the UAD Aggregate Statistics: Opportunities to Explore Data on Comparable Properties and Structural, Lot, and Neighborhood Characteristics](/blog/statistics/new-measures-in-the-uad-aggregate-statistics)\n\n[Using the New UAD Aggregate Statistics Top 100 Metro Areas Dashboard to Explore Changes in Median Appraisal Values](/blog/statistics/using-the-new-uad-aggregate-statistics-top-100-metro-areas-dashboard-to-explore-changes-in-median-appraisal-values)\n\n[How Similar Are Appraisal Values and House Prices?](/blog/statistics/how-similar-are-appraisal-values-and-house-prices)\n\n[What Do the UAD Aggregate Statistics Reveal About Home Sizes During the Pandemic?](/blog/statistics/what-uad-aggregate-statistics-reveal-about-home-sizes-during-pandemic)\n\n[What Do the UAD Aggregate Statistics Reveal About Rising Home Appraisals During the Pandemic?](/blog/statistics/what-uad-aggregate-statistics-reveal-about-rising-home-appraisals-during-pandemic)\n\n[FHFA Uniform Appraisal Dataset Aggregate Statistics: A New Resource to Provide Insights on Home Valuation](/blog/statistics/fhfa-uniform-appraisal-dataset-aggregate-statistics)\n\n### FHFA Insights Bl​og\n\n[Exploring Appraisal Bias Using UAD Aggregate Statistics](/blog/insights/exploring-appraisal-bias-using-uad-aggregate-statistics)\n\nPage Updated: March 4, 2025\n\n- **Other Data**\n\n[UAD Appraisal Level PUF](/data/uad/puf) (10/28/2024)\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"}
diff --git a/chunks/json/62133938db143cb1c9603e761aa491ec5de3a33a97ca1d260a82ee807a96d94c.json b/chunks/json/62133938db143cb1c9603e761aa491ec5de3a33a97ca1d260a82ee807a96d94c.json
new file mode 100644
index 0000000000000000000000000000000000000000..813e3165c590831f49e99eeda08c7a578a044d1e
--- /dev/null
+++ b/chunks/json/62133938db143cb1c9603e761aa491ec5de3a33a97ca1d260a82ee807a96d94c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":144080,"char_start":142519,"chunk_id":"chk_1a6343c7a87ab76c","chunk_index":65,"chunk_sha256":"62133938db143cb1c9603e761aa491ec5de3a33a97ca1d260a82ee807a96d94c","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"62133938db143cb1c9603e761aa491ec5de3a33a97ca1d260a82ee807a96d94c","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"4.3.1 $761.78\n\n4.3.2 NO/YES\n\n4.3.3 • Adjusts every 3 years starting in year 6\n\n• Can go / Goes as high as $1,870 in year 14\n• Includes only interest and no principal until year\n\n14\n\n• See AP T able on page 4 for details\n\nDoes the loan have these features? If yes:\n\n4.4 Prepayment Penalty\n\n4.4.2 NO/YES\n\n4.4.3 • As high as $1,000 if you pay off the loan during\n\nthe first 5 years\n\n4.5 Balloon Payment\n\n4.5.2 NO/YES\n\n4.5.3 • You will have to pay $149,263 at the end of\n\nyear 7.\n\nAppendix E: UCD Implementation Guide\n\nPage 60 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n4.0 Loan Terms\n\nFigure 30. Loan Terms Table\n\nAs illustrated by the Appendix I excerpts for 4.1.3 – 4.5.3, these “dynamic” boilerplate statements are based on\nvalues in discrete data points. See V. Consolidated Mapping Guidance entry for “Boilerplate.”\n\n4. 1 LOAN AMOUNT\n\nLoan Amount is the amount of credit to be extended to the borrower(s) under the terms of the legal obligation.\n\nAlong with the note amount, GSE-specific RegulationZTotalLoanAmount is required to support ATR/QM\nrequirements (see Table 44).\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\nFigure 31. Loan Amount\n\nTable 44. UCD Loan Amount Data Points\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\nUID\n4.034\n\nGSE (Loan Amount) …/LOAN/HIGH_COST\n_MORTGAGES/HIGH\n_COST_MORTGAGE\n\nRegulationZTotalLoa\nnAmount\n\nxxxxxx.xx\n\nNot shown - ATR /\nQM\n\n4.1.1\n\nLoan Amount\n\n…/LOAN/TERMS_OF\n_LOAN\n\nNoteAmount\n\n162000.00\n"}
diff --git a/chunks/json/6218e2c7900419bdd26f45fff2bf7f132046d1f596cc498d918b11621513b3dc.json b/chunks/json/6218e2c7900419bdd26f45fff2bf7f132046d1f596cc498d918b11621513b3dc.json
new file mode 100644
index 0000000000000000000000000000000000000000..645c2cc9f4b6c3e9f9875cff17c6e1b9034ed7df
--- /dev/null
+++ b/chunks/json/6218e2c7900419bdd26f45fff2bf7f132046d1f596cc498d918b11621513b3dc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8641,"char_start":7063,"chunk_id":"chk_ad76acba6877c4f0","chunk_index":4,"chunk_sha256":"6218e2c7900419bdd26f45fff2bf7f132046d1f596cc498d918b11621513b3dc","date_utc":"2026-01-27T17:47:54+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_dc3d7c283d7ddef8","text_sha256":"6218e2c7900419bdd26f45fff2bf7f132046d1f596cc498d918b11621513b3dc","token_estimate":407,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Contact_Us___FHFA_npuaxm.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# Contact Us\n\n​FHFA is an independent federal regulatory agency located in Washington, D.C. with a mission to provide oversight of the Housing Government-Sponsored Enterprises of Fannie Mae, Freddie Mac and the Federal Home Loan Bank System. Additionally, FHFA is the Conservator of Fannie Mae and Freddie Mac.\n\n**Address:**\n\nConstitution Center\n 400 7th Street, SW\n Washington, D.C. 20219\n"}
diff --git a/chunks/json/621adc1c6417b99cbc8cf9116cd4afe227ce5d334cad9981274320ba1ce01ffb.json b/chunks/json/621adc1c6417b99cbc8cf9116cd4afe227ce5d334cad9981274320ba1ce01ffb.json
new file mode 100644
index 0000000000000000000000000000000000000000..32b9d1bd4ad9f122db564bb59d4cbcc3b3b6532c
--- /dev/null
+++ b/chunks/json/621adc1c6417b99cbc8cf9116cd4afe227ce5d334cad9981274320ba1ce01ffb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1710,"char_start":0,"chunk_id":"chk_2a2fa3449a7ca8d0","chunk_index":0,"chunk_sha256":"621adc1c6417b99cbc8cf9116cd4afe227ce5d334cad9981274320ba1ce01ffb","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1cbc3effda89da20","text_sha256":"621adc1c6417b99cbc8cf9116cd4afe227ce5d334cad9981274320ba1ce01ffb","token_estimate":428,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2018.pdf"]},"text":"Data Definitions\nFederal Housing Finance Agency\nFederal Home Loan Bank Purchased Mortgage Files\nFor 2018 Data Release\n\nAMA_PUDB_definitions_2018.xlsx\n\nEffective 10/18/16\n\nColumn\n\n1 Year\n2 Assigned ID\n3 Bank\n4 FIPSStateCode\n5 FIPSCountyCode\n6 MSA\n\n7 FeatureID\n8 Tract\n9 MinPer\n10 TraMedY\n11 LocMedY\n12 TractRat\n13 Income\n14 CurAreY\n15 IncRat\n16 UPB\n17 LTV\n18 MortDate\n19 AcquDate\n20 Purpose\n\n21 Coop\n\n22 Product\n\n23 FedGuar\n\n24 Term\n25 AmorTerm\n26 SellType\n\n27 NumBor\n28 First\n\nDefinition\nYear Loan was reported\nUnique Record ID (Not Actual Loan Number)\nName of Federal Home Loan Bank District\nFIPS State Code\nFIPS County Code\nCore Based Statistical Area\n99999=State/County/Tract combination is not located in a CBSA\n\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\n\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\n\nFederal Guarantee\n0=no federal guarantee;\n1=FHA;\n2=VA;\n3=FMHA-Guaranteed Rural Housing Loan;\n4=HECMs;\n5=Title1-FHA\n\nTerm of Mortgage at Origination in months\nAmortization Term in months\nType of Acquiring Lender Institution\n1=Insured depository institution;\n2=Housing Associate;\n3=Insurance Company\n"}
diff --git a/chunks/json/621b7a01df93452d8086fc50a4c99f08386e15d122305b209f058486cff16d02.json b/chunks/json/621b7a01df93452d8086fc50a4c99f08386e15d122305b209f058486cff16d02.json
new file mode 100644
index 0000000000000000000000000000000000000000..43edf5c7bccfca1708efcf345cf037fbda72918b
--- /dev/null
+++ b/chunks/json/621b7a01df93452d8086fc50a4c99f08386e15d122305b209f058486cff16d02.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1239698,"char_start":1238092,"chunk_id":"chk_8603b4ad18d46200","chunk_index":736,"chunk_sha256":"621b7a01df93452d8086fc50a4c99f08386e15d122305b209f058486cff16d02","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"621b7a01df93452d8086fc50a4c99f08386e15d122305b209f058486cff16d02","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Cost Analysis\nComment\n\nEstimated\nRemaining\nEconomic Life Years\nCount\n\nSite Estimated Value\nAmount\n\nA free-form text field used to further\ndescribe the application of the Cost\nApproach valuation method to the subject\nproperty.\nSpecifies the estimated remaining\neconomic life of property improvements.\nThis value is used in calculating the\ndepreciation of the property\nimprovements\nThe dollar value estimated for the\nproperty site (e.g. land that is improved\nso that it is ready to be used for a specific\n\n389\n\n390\n\n391\n\n392\n\n393\n\n394\n\n395\n\n396\n\n397\n\n398\n\n399\n\n400\n\n401\n\n402\n\n403\n\n404\n\n405\n\n406\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\n3\n\n3\n\n8\n\n9\n\nCOST APPROACH Source of Cost Data\n\n10\n\nCOST APPROACH Quality Rating from Cost Service\n\n11\n\nCOST APPROACH Effective Date of Cost Data\n\n12\n\nCOST APPROACH Comments on Cost Approach\n\n13\n\nCOST APPROACH\n\nEstimated Remaining Economic\nLife\n\n14\n\nCOST APPROACH Opinion of Site Value\n\n15\n\nCOST APPROACH\n\n16\n\nCOST APPROACH\n\n17\n\nCOST APPROACH\n\n18\n\nCOST APPROACH\n\n19\n\nCOST APPROACH\n\n20\n\nCOST APPROACH\n\n21\n\nCOST APPROACH\n\nCost-New Improvements\nDwelling\nSq. Ft.\n\nCost-New Improvements\nDwelling\nPrice/Sq. Ft.\n\nCost-New Improvements\nDwelling\nCost\nCost-New Improvements\nOther\nDescription\nCost-New Improvements\nOther\nSq. Ft.\n\nCost-New Improvements\nOther\nPrice/Sq. Ft.\n\nCost-New Improvements\nOther\nCost\n\n23\n\nCOST APPROACH\n\n24\n\nCOST APPROACH\n\n25\n\nCOST APPROACH\n\nCost-New Improvements\nExtras\nCost\nCost-New Improvements\nGarage/Carport\nSq. Ft.\n\nCost-New Improvements\nGarage/Carport\nPrice/Sq.Ft.\n\n22\n\nCOST APPROACH\n\nCost-New Improvements\nExtras\n\nNew Improvement\nCost Description\n"}
diff --git a/chunks/json/6221696aaee227b535bd42f063cfe2c04dcf013cb58cf0471ab413d4983ebb29.json b/chunks/json/6221696aaee227b535bd42f063cfe2c04dcf013cb58cf0471ab413d4983ebb29.json
new file mode 100644
index 0000000000000000000000000000000000000000..ee030d0847af56c8f37a29ab46ef2bd716f48ccd
--- /dev/null
+++ b/chunks/json/6221696aaee227b535bd42f063cfe2c04dcf013cb58cf0471ab413d4983ebb29.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8466,"char_start":6841,"chunk_id":"chk_1f27340a69802170","chunk_index":4,"chunk_sha256":"6221696aaee227b535bd42f063cfe2c04dcf013cb58cf0471ab413d4983ebb29","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1cbc3effda89da20","text_sha256":"6221696aaee227b535bd42f063cfe2c04dcf013cb58cf0471ab413d4983ebb29","token_estimate":406,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2018.pdf"]},"text":"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\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\nCo-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_2018.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"}
diff --git a/chunks/json/6227cf3d34c777ffeba9ccdee0248145226e0eb8217eee8a5ccfdb04262a24a9.json b/chunks/json/6227cf3d34c777ffeba9ccdee0248145226e0eb8217eee8a5ccfdb04262a24a9.json
new file mode 100644
index 0000000000000000000000000000000000000000..c1ee334dc46ecba93b351b3d1bf07e01973bfd22
--- /dev/null
+++ b/chunks/json/6227cf3d34c777ffeba9ccdee0248145226e0eb8217eee8a5ccfdb04262a24a9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":25348,"char_start":23147,"chunk_id":"chk_d9416af162949d97","chunk_index":13,"chunk_sha256":"6227cf3d34c777ffeba9ccdee0248145226e0eb8217eee8a5ccfdb04262a24a9","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_80141fc5f7cc473c","text_sha256":"6227cf3d34c777ffeba9ccdee0248145226e0eb8217eee8a5ccfdb04262a24a9","token_estimate":551,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1075_466.pdf"]},"text":"6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to\nthe date of sale of the comparable sale, unless otherwise indicated in this report.\n\n7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property.\n\n8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that\nhas been built or will be built on the land.\n\n9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject\nproperty and the comparable sales.\n\n10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in\nthe sale or financing of the subject property.\n\n11. I have knowledge and experience in appraising this type of property in this market area.\n\n12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing\nservices, tax assessment records, public land records and other such data sources for the area in which the property is located.\n\n13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from\nreliable sources that I believe to be true and correct.\n\n14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject\nproperty, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I\nhave noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the\npresence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the\nsubject property or that I became aware of during the research involved in performing this appraisal. I have considered these\nadverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and\nmarketability of the subject property.\n"}
diff --git a/chunks/json/623da3b1c286dc7f5a037ebc332d9fd2fae85f3a6e12d83e9d9972348f8c169d.json b/chunks/json/623da3b1c286dc7f5a037ebc332d9fd2fae85f3a6e12d83e9d9972348f8c169d.json
new file mode 100644
index 0000000000000000000000000000000000000000..039f2e6c993befa55abf4167a3c198591d161ed1
--- /dev/null
+++ b/chunks/json/623da3b1c286dc7f5a037ebc332d9fd2fae85f3a6e12d83e9d9972348f8c169d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":19309,"char_start":17579,"chunk_id":"chk_82cbdb351c5620a5","chunk_index":12,"chunk_sha256":"623da3b1c286dc7f5a037ebc332d9fd2fae85f3a6e12d83e9d9972348f8c169d","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1f9c959be0398537","text_sha256":"623da3b1c286dc7f5a037ebc332d9fd2fae85f3a6e12d83e9d9972348f8c169d","token_estimate":433,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-specification-update-impact-memo.pdf"]},"text":"UID\n\nMISMO\nv3.3.0\nData Point\nName\n\n8.196\n\nFeeType\n\nPreview of Update to Critical Edits Matrix (One Cell Only)\n\nUCD Supported Enumerations\n(blue underlined text indicates new accepted\nvalue)\n\nCriteria/Conditionality\n\nDocumentaryStampFee | FilingFee |\nMortgageSurchargeCountyOrParish |\nMortgageSurchargeMunicipal |\nMortgageSurchargeState |\nMunicipalLienCertificateFee | Other |\n\nNo change\nMust exist for all loans\nwhen tax listed in Col F\nin an amount ≠ \"0\" is\nreported on the CD\n\nCritical Edit\nwill fire\nwhen:\n\nRequired\nfor\nComplete\nLine Item\n\nNo change\n\nNo change\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\nUID\n\nMISMO\nv3.3.0\nData Point\nName\n\nPreview of Update to Critical Edits Matrix (One Cell Only)\n\nUCD Supported Enumerations\n(blue underlined text indicates new accepted\nvalue)\n\nCriteria/Conditionality\n\nCritical Edit\nwill fire\nwhen:\n\nRequired\nfor\nComplete\nLine Item\n\nunder E. Taxes And\nOther Government\nFees\n\nPowerOfAttorneyRecordingFee |\nRecordingFeeForAssignment |\nRecordingFeeForMunicipalLienCertificate |\nRecordingFeeForRelease |\nRecordingFeeForSubordination |\nTaxStampForCityDeed |\nTaxStampForCityMortgage |\nTaxStampForCountyDeed |\nTaxStampForCountyMortgage |\nTaxStampForStateDeed |\nTaxStampForStateMortgage | TransferTaxTotal\n\n4. Do not use UID 8.234-FeeTypeOtherDescription unless you have recorded on the CD a tax-\nrelated fee that is not covered by one of the UCD-supported enumerations. All MISMO v3.3\nFeeTypes related to taxes are now supported by UCD.\n"}
diff --git a/chunks/json/623dfa31610205e5ae99bd94145ee9f341c71372d1673994a17a4020ae1cdee0.json b/chunks/json/623dfa31610205e5ae99bd94145ee9f341c71372d1673994a17a4020ae1cdee0.json
new file mode 100644
index 0000000000000000000000000000000000000000..e6ddd2f66abd9b162d8d3c8b9c5768f7bf5383e3
--- /dev/null
+++ b/chunks/json/623dfa31610205e5ae99bd94145ee9f341c71372d1673994a17a4020ae1cdee0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":531515,"char_start":529907,"chunk_id":"chk_a674df71e7e6fa02","chunk_index":313,"chunk_sha256":"623dfa31610205e5ae99bd94145ee9f341c71372d1673994a17a4020ae1cdee0","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"623dfa31610205e5ae99bd94145ee9f341c71372d1673994a17a4020ae1cdee0","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Enumerated\n\nThis field is required if field e-10 (GSE\nUpdate Last Fifteen Year Indicator)\nindicates improvements occurred in the\nlast 15 years.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nCR\n\nCR\n\nCR\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 103 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\n293\n\n2\n\ne-12\n\nUNIT\nDESCRIPTION\n\nDescribe the condition of the\nproperty (including needed\nrepairs, deterioration,\nrenovations, remodeling, etc.)\n\nGSE Improvement\nDescription Type\n\nThe level of work completed on the\nsubject property.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CONDITION_DETAIL\n_EXTENSION/CONDITION_DETAIL_EXTENSION_SECTION[@ExtensionSe\nctionOrganizationName='UNIFORM APPRAISAL\nDATASET']/CONDITION_DETAIL_EXTENSION_SECTION_DATA/CONDIT\nION_DETAIL[@_SequenceIdentifier='1..2']/@GSEImprovementDescriptionType\n\nUAD Requirement - Refer to Appendix D Improvements 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\nNotUpdated not updated\nUpdated updated\nRemodeled remodeled\n\nThis field is required once for each\noccurrence of field e-11 (GSE\nImprovement Area Type).\n\nCR\n\nCR\n\nCR\n\n294\n\n2\n\ne-13\n\nUNIT\nDESCRIPTION\n"}
diff --git a/chunks/json/624376e2a496e71c9522ea70c646d4779e9c72540e7f57307e3c57ce7f7afe56.json b/chunks/json/624376e2a496e71c9522ea70c646d4779e9c72540e7f57307e3c57ce7f7afe56.json
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index 0000000000000000000000000000000000000000..e5df5752b780543a362af7350e2db0a5e414e7a4
--- /dev/null
+++ b/chunks/json/624376e2a496e71c9522ea70c646d4779e9c72540e7f57307e3c57ce7f7afe56.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":17416,"char_start":15576,"chunk_id":"chk_3e18445f20d36951","chunk_index":9,"chunk_sha256":"624376e2a496e71c9522ea70c646d4779e9c72540e7f57307e3c57ce7f7afe56","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7b5579c3b7f547d3","text_sha256":"624376e2a496e71c9522ea70c646d4779e9c72540e7f57307e3c57ce7f7afe56","token_estimate":457,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Dashboards___FHFA_t6nioe.md"]},"text":"[View More](/data/dashboard/fhfa-hpi-county-map)\n\n- ## FHFA HPI® Summary Table\n\nA summary data table of state, city, and census division indexes for the most current period. It is based on the purchase-only, seasonally adjusted index using prices from sales transactions of mortgage data obtained from the Enterprises.\n\n[View More](/house-price-index?tab=HPI%20Summary%20Table)\n\n- ## FHFA HPI® ZIP5 Map\n\nA map displaying annual house price appreciation rates at the five-digit ZIP code level. Based on a developmental all-transactions index. Indexes are constructed on a yearly basis to provide data for very small geographic areas. Minor adjustments were made to produce more localized measures.\n\n[View More](/data/dashboard/fhfa-hpi-zip5-map)\n\n- ## National Mortgage Database (NMDB®) Residential Mortgage Performance Statistics Dashboard\n\nInteractive data visualization tool for displaying the data published in the Residential Mortgage Performance Statistics data series of the NMDB Aggregate Statistics. Users can interactively create, analyze, and export custom charts and data tables.\n\n[View More](/data/dashboard/nmdb-residential-mortgage-performance-statistics)\n\n- ## Uniform Appraisal Dataset (UAD) Aggregate Statistics Dashboards\n\nThe UAD Aggregate Statistics Dashboards are the visual front end of the [UAD Aggregate Statistics](/data/uad) Data File. The Dashboards are designed to provide easy access to customized maps and charts for all levels of users. Through the Dashboards, users may access a broad set of data points and trends found in appraisal reports, and group appraisal statistics by property, site and neighborhood characteristics, and geographic levels (national, state plus the District of Columbia and Puerto Rico, Metropolitan Statistical Areas (MSAs) or Metropolitan Divisions, county, and tract).\n"}
diff --git a/chunks/json/6248c843aada41f83ac66532219ef09242cd5c6d2e181b6289f2897ff6e65ccf.json b/chunks/json/6248c843aada41f83ac66532219ef09242cd5c6d2e181b6289f2897ff6e65ccf.json
new file mode 100644
index 0000000000000000000000000000000000000000..1e2735f20c0fe4b71b7a3914c5fa941344134b1b
--- /dev/null
+++ b/chunks/json/6248c843aada41f83ac66532219ef09242cd5c6d2e181b6289f2897ff6e65ccf.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1735,"char_start":0,"chunk_id":"chk_61713bf5c510341b","chunk_index":0,"chunk_sha256":"6248c843aada41f83ac66532219ef09242cd5c6d2e181b6289f2897ff6e65ccf","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_24dcc01c1b7ecdb9","text_sha256":"6248c843aada41f83ac66532219ef09242cd5c6d2e181b6289f2897ff6e65ccf","token_estimate":527,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/_Examiner_Resources___FHFA_i7w1o.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/supervision/examiner-resources\"\ndate_accessed: \"2026-01-27T17:47:55.166Z\"\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/6259c107b7581ed991cceaf4276dcbc6a9484cfdb2a07d613385ee85fe9ff488.json b/chunks/json/6259c107b7581ed991cceaf4276dcbc6a9484cfdb2a07d613385ee85fe9ff488.json
new file mode 100644
index 0000000000000000000000000000000000000000..0a7c84a4ce07f8835957648b65e543ec2179ca07
--- /dev/null
+++ b/chunks/json/6259c107b7581ed991cceaf4276dcbc6a9484cfdb2a07d613385ee85fe9ff488.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":382722,"char_start":380977,"chunk_id":"chk_809ca5fe1f626425","chunk_index":213,"chunk_sha256":"6259c107b7581ed991cceaf4276dcbc6a9484cfdb2a07d613385ee85fe9ff488","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"6259c107b7581ed991cceaf4276dcbc6a9484cfdb2a07d613385ee85fe9ff488","token_estimate":436,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"@gse:DisplayLabelText Second Loan\n\nIntegratedDisclosureSec\ntionType\n\nPaidAlreadyByOrOnBeha\nlfOfBorrowerAtClosing\n\n12.4 N/A\n\n…/LOAN_DETAIL TotalSubordinateFinanci\n\n100000.00\n\nngAmount\n\nROF as “$2,000.00”\n\nNot shown unless “true”\n\nROF as “Second Loan”\n\nNot Shown – ties\nassociated Closing\nAdjustment Item Type to\nthis SOT section\n\nROF as “(Principal\nBalance $10,000.00)”\n\n12. 4 BORROWER’ S SATI SFACTI ON OF SELLER’ S LI EN\n\nIf the borrower is satisfying existing liens that will not be deducted from the sales price, the amount of the\noutstanding balance of the loan must be disclosed in 12.4. If a borrower has paid off a seller’s second lien with\nfunds other than closing funds, any amount paid toward the second mortgage payoff must be disclosed,\nindicating the payor and that it was paid outside of closing. Note that this amount is disclosed for information\nonly, and is not part of the calculation of Cash Due From / To the Borrower.\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\n05 12.4Satisfaction of Junior Lien ($5,000 POC\n\n12.4.1\n\nBorrower)\n\n0612.5 Seller Credit\n\n12.5.1\n\n$2,500.00\n\nAppendix E: UCD Implementation Guide\n\nPage 175 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\nFigure 102. Borrower’s Satisfaction of Seller’s Lien\n\nThe data points used to provide this information are shown in the table below. When a borrower satisfies the\nseller’s external liability as a condition of the sale, it is disclosed as 12.4 using LiabilityDescription. The liability\nand dollar amount are disclosed for information purposes only and the amount is not used in the\ndetermination of cash to close.\n"}
diff --git a/chunks/json/625cdcfb3bbdd064d49a4c893759e6b109102ffa788d5b0e779568117f687ad6.json b/chunks/json/625cdcfb3bbdd064d49a4c893759e6b109102ffa788d5b0e779568117f687ad6.json
new file mode 100644
index 0000000000000000000000000000000000000000..be7bd576b52f06bbf9ebab0f5144bf4302e8eb69
--- /dev/null
+++ b/chunks/json/625cdcfb3bbdd064d49a4c893759e6b109102ffa788d5b0e779568117f687ad6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":2372,"char_start":1648,"chunk_id":"chk_109a09e5396e310a","chunk_index":1,"chunk_sha256":"625cdcfb3bbdd064d49a4c893759e6b109102ffa788d5b0e779568117f687ad6","date_utc":"2026-01-27T18:02:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_9ac99dac9cb373c5","text_sha256":"625cdcfb3bbdd064d49a4c893759e6b109102ffa788d5b0e779568117f687ad6","token_estimate":181,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-integration-impact-memo-june-11-2022.pdf","below_target_min_tokens"]},"text":"VA Regional Loan Centers: Contact\nInformation\n\nhttps://www.benefits.va.gov/homeloans/contact_rlc_info.asp\n\nRelease Support\n\nVA Version 3.0 June Release will be implemented in the DU integration environment on or about May 11, 2022. Integration\npartners will be notified via e-mail from Integration News (integration_news@fanniemae.com) after implementation.\n\nIf you have questions about the integration impact or if you require support specific to this release, contact Integration Support.\nFor more information about DU, visit the DU & DO web page or contact your Fannie Mae Business Account Management Solutions\n(BAMS) team or your Digital Alliances Manager.\n\n© 2022 Fannie Mae. Trademarks of Fannie Mae.\n\n5.11.22\n\n1 of 1\n"}
diff --git a/chunks/json/6271929622db3b6ae5b57c6f3bf3d7967a1c19cff619097498498fc1472f9284.json b/chunks/json/6271929622db3b6ae5b57c6f3bf3d7967a1c19cff619097498498fc1472f9284.json
new file mode 100644
index 0000000000000000000000000000000000000000..0f490d8e253a3bd437783887b0986400e7fbaac6
--- /dev/null
+++ b/chunks/json/6271929622db3b6ae5b57c6f3bf3d7967a1c19cff619097498498fc1472f9284.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":81308,"char_start":79685,"chunk_id":"chk_dd3712518a81fb72","chunk_index":44,"chunk_sha256":"6271929622db3b6ae5b57c6f3bf3d7967a1c19cff619097498498fc1472f9284","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"6271929622db3b6ae5b57c6f3bf3d7967a1c19cff619097498498fc1472f9284","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"D. Availability: Any vs. Choice Group\n\nFigure IV-2 illustrates an important container usage concept called “Choice Groups.” As\ndiscussed above, most containers in the V3.0 Reference Model are parents of one or more\nchild containers. Usually, any or all of the child containers can be used within any\noccurrence of the parent, as the business partners’ business requirements dictate.\nHowever, some containers hold child containers that are mutually exclusive. Users must\nchoose from a selection of two or more child containers. Effectively, this enforces a one-\nto-one relationship between the parent and the child selected from the choice group.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 33 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nINDIVIDUAL\n\nCONTACT_POINTS\n\nNAME\n\nLEGAL_ENTITY\n\nLEGAL_ENTITY_DETAIL\n\nADDRESSES\n\nADDRESS\n\nPARTY_ROLE_IDENTIFIERS\n\nPARTY\n\nROLES\n\nROLE\n\nAPPRAISER\n\nAPPRAISER_SUPERVISOR\n\nBORROWER\n\nCLOSING_AGENT\n\nLOAN_ORIGINATOR\n\nTAXPAYER_IDENTIFIERS\n\nTAXPAYER_IDENTIFIER\n\nROLE_DETAIL\n\nDiagram Legend\n\nRepresents choice group\n\nFigure IV-2. V3.0 Reference Model – PARTY Container Availability.\n\nExample IV-4. Container Choice Group\n\n\n\nINDIVIDUAL OR LEGAL_ENTITY: In the PARTY container, business partners must\nspecify whether the information within this container describes an individual or\na legal entity. Depending on the selection, the name of the party will be\nreported either in the NAME container for individuals or in the\nLEGAL_ENTITY_DETAIL container for non-individuals.\n"}
diff --git a/chunks/json/6273222f923913bc84bbd15b2fcd613c3ba4d1908f57811fa77b591b8534c633.json b/chunks/json/6273222f923913bc84bbd15b2fcd613c3ba4d1908f57811fa77b591b8534c633.json
new file mode 100644
index 0000000000000000000000000000000000000000..fb08a5bc569573524fad8a8e0df49ac1d2cd53b4
--- /dev/null
+++ b/chunks/json/6273222f923913bc84bbd15b2fcd613c3ba4d1908f57811fa77b591b8534c633.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":280418,"char_start":278756,"chunk_id":"chk_12d624cae6be7229","chunk_index":160,"chunk_sha256":"6273222f923913bc84bbd15b2fcd613c3ba4d1908f57811fa77b591b8534c633","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"6273222f923913bc84bbd15b2fcd613c3ba4d1908f57811fa77b591b8534c633","token_estimate":414,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"N O T E : In UCD v2.0 the following v1.5 MortgageType enumerations have been removed to align with ULDD:\nLocalAgency | Other | StateAgency.\n\nUCD v2.0 Implementation Guide\n\n- 127 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 108. XML Snippet - Example of REFINANCE and TERMS_OF_LOAN Data.\n\n<MESSAGE>\n…\n <DEAL>\n\n<LOANS>\n <LOAN>\n\n<REFINANCE>\n\n<RefinanceSameLenderIndicator>true</RefinanceSameLenderIndicator>\n\n<REFINANCE>\n <TERMS_OF_LOAN>\n\n<LienPriorityType>FirstLien</LienPriorityType>\n <LoanPurposeType>Refinance</LoanPurposeType>\n <MortgageType>Conventional</MortgageType>\n <NoteAmount>579000</NoteAmount>\n <NoteRatePercent>3.875</NoteRatePercent>\n\n</TERMS_OF_LOAN>\n\n…\n</MESSAGE>\n\nUCD v2.0 Implementation Guide\n\n- 128 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nW. UNDERWRITING DATA\n\nThe final set of data points that is used to help the GSEs identify loans across UMDP datasets provides the automated\nunderwriting system (AUS) and AUS identifier. UCD v2.0 indicates that one or both of the DU and LPA AUS Identifiers may be\nprovided.\n\nTable 67. XML File Container Structure for Underwriting Data.\n\nUCD UIDs\n\nContainers\n\nUCD Usage Notes\n\n999.575\n\nUNDERWRITING\n\nHolds containers categorizing underwriting information.\n\n999.576\n\nAUTOMATED_UNDERWRITINGS\n\n999.577\n\nAUTOMATED_UNDERWRITING\n\nGroups one or more sets of automated underwriting data\npoints.\n\nHolds data points describing an automated underwriting\ntransaction.\n\n999.578\n\nUNDERWRITING_DETAIL\n\nHolds data points describing the underwriting process.\n\nTable 68. UCD v2.0 Spec Excerpt – AutomatedUnderwritingSystemType Data Requirements.\n"}
diff --git a/chunks/json/627619788c820e9c147a322c01924a6acad2f7e9c66f3cd4f3ea8187139e62e7.json b/chunks/json/627619788c820e9c147a322c01924a6acad2f7e9c66f3cd4f3ea8187139e62e7.json
new file mode 100644
index 0000000000000000000000000000000000000000..7af64aeeda395b54dae49ece14acafb2ebd5c451
--- /dev/null
+++ b/chunks/json/627619788c820e9c147a322c01924a6acad2f7e9c66f3cd4f3ea8187139e62e7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":950171,"char_start":948521,"chunk_id":"chk_d82cbafc6b0b7440","chunk_index":565,"chunk_sha256":"627619788c820e9c147a322c01924a6acad2f7e9c66f3cd4f3ea8187139e62e7","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"627619788c820e9c147a322c01924a6acad2f7e9c66f3cd4f3ea8187139e62e7","token_estimate":413,"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']/SALE_PRICE_\nADJUSTMENT[@_Type='FunctionalUtility']/@_Description\n\nFunctional Utility 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='FunctionalUtility']/@_Amount\n\nHeating/Cooling\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='HeatingCooling']/@_Description\n\nHeating/Cooling 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='HeatingCooling']/@_Amount\n\nEnergy Efficient Items\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='EnergyEfficient']/@_Description\n"}
diff --git a/chunks/json/62a4e076d20a5b89d837aa1e543ee3cb21693c65831b2ba10a2149fb6fa55e27.json b/chunks/json/62a4e076d20a5b89d837aa1e543ee3cb21693c65831b2ba10a2149fb6fa55e27.json
new file mode 100644
index 0000000000000000000000000000000000000000..84d5a09db252b68df9a6d026add5409915e831a3
--- /dev/null
+++ b/chunks/json/62a4e076d20a5b89d837aa1e543ee3cb21693c65831b2ba10a2149fb6fa55e27.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":24722,"char_start":22948,"chunk_id":"chk_d51e9ec3155a6579","chunk_index":10,"chunk_sha256":"62a4e076d20a5b89d837aa1e543ee3cb21693c65831b2ba10a2149fb6fa55e27","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2b6a9e94e3fa6d9e","text_sha256":"62a4e076d20a5b89d837aa1e543ee3cb21693c65831b2ba10a2149fb6fa55e27","token_estimate":441,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Freddie_Mac_Single_Fam_r5x1k.md"]},"text":"[### Appendix H-2: UAD Compliance Rules - Update Report\n\nThis document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Restricted Appraisal Update Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness.](/docs/xlsx/appendix-h-2-uad-compliance-rules-update-report.xlsx)\n\n## Completion Report\n\n[### Appendix A-3: UAD Completion Report 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.](/docs/xls/requirements/appendix-a-3-completion-report-delivery-specification.xlsx)\n\n[### Appendix B-3: Completion Report Implementation Guide (iGuide)\n\nThis document assists software vendors with data mapping, field formats and the display logic for the PDF representation of the report.](/docs/pdf/requirements/appendix-b-3-completion-report-implementation-guide.pdf)\n\n[### Appendix C-3: Completion Report Layout\n\nThis zip file contains the Completion Report Layout with Report Field IDs and the Completion Report Layout without Report Field IDs. The purpose of these documents is to show all possible Report Labels that may display on the Completion Report, regardless of conditionality.](/docs/zip/requirements/appendix-c-3-completion-report-layout.zip)\n\n[### Appendix D-3: Completion Report Sample Scenarios and XML Files\n\nThis zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version.](/docs/zip/requirements/appendix-d-3-completion-report-sample-scenarios-and-xml-files.zip)\n"}
diff --git a/chunks/json/62be98bf467c675a62ddf217f881a04c817a846e2070932e29302e9d3767755d.json b/chunks/json/62be98bf467c675a62ddf217f881a04c817a846e2070932e29302e9d3767755d.json
new file mode 100644
index 0000000000000000000000000000000000000000..33b2a32a439d6bfc676fe3f86ec4fd78d73bdcfd
--- /dev/null
+++ b/chunks/json/62be98bf467c675a62ddf217f881a04c817a846e2070932e29302e9d3767755d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":121278,"char_start":119386,"chunk_id":"chk_cbe5406e146db22e","chunk_index":70,"chunk_sha256":"62be98bf467c675a62ddf217f881a04c817a846e2070932e29302e9d3767755d","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"62be98bf467c675a62ddf217f881a04c817a846e2070932e29302e9d3767755d","token_estimate":473,"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\nSignature\n\nAppraiser\nJohn P. Appraiser\nJohn P. Appraiser\n\n05/04/2023\n\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 20242- to 4-Unit Scenario 2\n\nCondominium Scenario 1 (Condo1)\n\nIntroduction\n\nThis report is for the refinance of a condominium apartment in a midrise building. The subject unit\ncontains two bedrooms, two full bathrooms, a fireplace, and a private balcony. The unit contains 1,092\nsq. ft. and is located on the second floor of the building. Its kitchen and bathrooms were renovated with\nhigh-end finishes. The floorplan meets local expectations for flow and utility. Due to its many updates,\nthe subject unit shows nicely. It also contains two separately deeded garage parking spaces.\n"}
diff --git a/chunks/json/62c5c4dcf5c0e0a0d06f7b2e8200fb5dd325478e6b90b3b98a212855fc383b27.json b/chunks/json/62c5c4dcf5c0e0a0d06f7b2e8200fb5dd325478e6b90b3b98a212855fc383b27.json
new file mode 100644
index 0000000000000000000000000000000000000000..457af4d2a91ecd0a65b597c4320edce163ebac11
--- /dev/null
+++ b/chunks/json/62c5c4dcf5c0e0a0d06f7b2e8200fb5dd325478e6b90b3b98a212855fc383b27.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":61916,"char_start":61277,"chunk_id":"chk_fedf9062dd9219cc","chunk_index":98,"chunk_sha256":"62c5c4dcf5c0e0a0d06f7b2e8200fb5dd325478e6b90b3b98a212855fc383b27","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"62c5c4dcf5c0e0a0d06f7b2e8200fb5dd325478e6b90b3b98a212855fc383b27","token_estimate":495,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Outbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts) ....................................................................... 292\n\nSummary .................................................................................................................................................................................................................................. 293\n\nReconciliation of Sales Comparison Approach ......................................................................................................................................................................... 294\n"}
diff --git a/chunks/json/62ccd9c89f292d568f8cfb36837a3740cfb595f4b463421edb52fda73778e35b.json b/chunks/json/62ccd9c89f292d568f8cfb36837a3740cfb595f4b463421edb52fda73778e35b.json
new file mode 100644
index 0000000000000000000000000000000000000000..427e437908a9433d68179f8379cf150b657a4924
--- /dev/null
+++ b/chunks/json/62ccd9c89f292d568f8cfb36837a3740cfb595f4b463421edb52fda73778e35b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8527,"char_start":7065,"chunk_id":"chk_0fbac8422893b95d","chunk_index":4,"chunk_sha256":"62ccd9c89f292d568f8cfb36837a3740cfb595f4b463421edb52fda73778e35b","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8d4a57dd06546df7","text_sha256":"62ccd9c89f292d568f8cfb36837a3740cfb595f4b463421edb52fda73778e35b","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/National_Mortgage_Database__NMDB___Aggregate_Stati_fnqnit.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![row of homes](/sites/default/files/styles/desktop_hero/public/2025-03/NMDB-hero.jpg.webp?itok=ZQfXHL5b)\n\n# National Mortgage Database (NMDB®) Aggregate Statistics\n\n## Breadcrumb\n\n- [Home](/)\n - [FHFA Data](/data)\n - National Mortgage Database (NMDB®) Aggregate Statistics\n"}
diff --git a/chunks/json/62d1d84c58f0ea160d47077eb677fda5ca2dda1c1d416b76c39e25440bfaf1fe.json b/chunks/json/62d1d84c58f0ea160d47077eb677fda5ca2dda1c1d416b76c39e25440bfaf1fe.json
new file mode 100644
index 0000000000000000000000000000000000000000..00dd2a6fe4d3974cc1952524f50014cce1c572ab
--- /dev/null
+++ b/chunks/json/62d1d84c58f0ea160d47077eb677fda5ca2dda1c1d416b76c39e25440bfaf1fe.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15610,"char_start":13657,"chunk_id":"chk_9c5da2352d3ca6b1","chunk_index":8,"chunk_sha256":"62d1d84c58f0ea160d47077eb677fda5ca2dda1c1d416b76c39e25440bfaf1fe","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_874d0463a2fa2d83","text_sha256":"62d1d84c58f0ea160d47077eb677fda5ca2dda1c1d416b76c39e25440bfaf1fe","token_estimate":489,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Guarantee_Fees_History___FHFA_hq9o1.md"]},"text":"The Federal Housing Finance Agency (FHFA) has completed a comprehensive review of the agency’s policy for guarantee fees charged by Fannie Mae and Freddie Mac (the Enterprises). FHFA’s review considered multiple factors, including responses to the agency’s June 2014 request for public input, analyses by housing finance market participants of the implied guarantee fee pricing from the Enterprises’ credit risk transfers, and internal analyses of Enterprise pricing, credit guarantee loss data, and modeling.\n\nFHFA’s review focused on reaching an appropriate balance between FHFA’s statutory obligations to: 1) ensure the safety and soundness of the Enterprises, and 2) foster a liquid national housing finance market. In light of this balance, FHFA determined, based on both internal and external analysis, that the current average level of guarantee fees appropriately reflects the current costs and risks associated with providing the Enterprises’ credit guarantee.\n\n​As a result, FHFA finds no compelling economic reason to change the general level of fees. FHFA, however, is making certain minor and targeted fee adjustments. To implement these decisions, the agency is directing the Enterprises to make changes to their guarantee fees that will slightly reduce, maintain, or increase costs for different categories of loans. Since all of the guarantee fee changes are small, the agency does not expect the adjustments to cause any material changes to the Enterprises’ loan volume in any of the loan categories and expects the small changes to be revenue neutral.\n\n- FHFA NEWS RELEASE: [FHFA Completes Guarantee Fee Review](/news/news-release/fhfa-completes-guarantee-fee-review-g-fees-to-remain-at-current-levels-with-modest-adjustments) (4/17/2015)\n- FHFA FACT SHEET: [Results of Fannie Mae and Freddie Mac Guarantee Fee Review](/news/fact-sheet/results-of-fannie-mae-and-freddie-mac-guarantee-fee-review) (4/17/2015)\n## Guarantee Fee Activities\n"}
diff --git a/chunks/json/62e1dee7a187769743a473f58c4c61325c4533fd727be47cab6d8b1c0c25373f.json b/chunks/json/62e1dee7a187769743a473f58c4c61325c4533fd727be47cab6d8b1c0c25373f.json
new file mode 100644
index 0000000000000000000000000000000000000000..218c6017d067a3d905da291416afd932f4377c74
--- /dev/null
+++ b/chunks/json/62e1dee7a187769743a473f58c4c61325c4533fd727be47cab6d8b1c0c25373f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8605,"char_start":7073,"chunk_id":"chk_beb5ee6588d04f27","chunk_index":4,"chunk_sha256":"62e1dee7a187769743a473f58c4c61325c4533fd727be47cab6d8b1c0c25373f","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f095660b2a4ef4ba","text_sha256":"62e1dee7a187769743a473f58c4c61325c4533fd727be47cab6d8b1c0c25373f","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/News_Releases___FHFA_ghc8ke.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![Cherry Blossoms with Thomas Jefferson Memorial](/sites/default/files/styles/desktop_hero/public/2025-04/hero-4.jpg.webp?itok=N2uQgJy9)\n\n# News Releases\n\nAnnouncements, publications, and news releases covering regulatory changes, policy updates, reports, news, initiatives, and the performance of the Enterprises in the housing finance sector.\n"}
diff --git a/chunks/json/62f3b86190db8ff9b938744204a53c03cddca7c55abda383bd98da9a6282baa7.json b/chunks/json/62f3b86190db8ff9b938744204a53c03cddca7c55abda383bd98da9a6282baa7.json
new file mode 100644
index 0000000000000000000000000000000000000000..8654705a33193839c30a80e38846ba4d041666c6
--- /dev/null
+++ b/chunks/json/62f3b86190db8ff9b938744204a53c03cddca7c55abda383bd98da9a6282baa7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":909504,"char_start":907841,"chunk_id":"chk_cd275bf3870f8e4f","chunk_index":540,"chunk_sha256":"62f3b86190db8ff9b938744204a53c03cddca7c55abda383bd98da9a6282baa7","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"62f3b86190db8ff9b938744204a53c03cddca7c55abda383bd98da9a6282baa7","token_estimate":416,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"CR\n\n391\n\n3\n\ne-27\n\nSALES\nCOMPARISON\nAPPROACH\n\nConcessions\n(Line 2)\n\nGSE Financing\nType Other\nDescription\n\nText entry for financing type if “Other” is\nselected.\n\n392\n\n3\n\ne-28\n\nSALES\nCOMPARISON\nAPPROACH\n\nConcessions\n(Line 2)\n\nGSE Concession\nAmount\n\nThe total known amount of the sales or\nfinancing concessions for the comparable\nsale.\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/@GSEFinancingTypeOtherDescription\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/@GSEConcessionAmount\n\n393\n\n3\n\n62\n\nSALES\nCOMPARISON\nAPPROACH\n\nConcessions\nAdjustment\n(Line 2)\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='FinancingConcessions']/@_Amount\n\n11\n\n9\n\n10\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions..\n\nString\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis is a free-text field that must contain the appraiser's description of the financing\ntype if 'Other' is indicated.\n"}
diff --git a/chunks/json/6300b1fce5a249c6d89f2e6618fedfd6071a0ed90f4e3a3f53357dd983625afe.json b/chunks/json/6300b1fce5a249c6d89f2e6618fedfd6071a0ed90f4e3a3f53357dd983625afe.json
new file mode 100644
index 0000000000000000000000000000000000000000..43caa976567a5ee1ef9ac5dc66c0a142cf46ab25
--- /dev/null
+++ b/chunks/json/6300b1fce5a249c6d89f2e6618fedfd6071a0ed90f4e3a3f53357dd983625afe.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":58495,"char_start":56717,"chunk_id":"chk_fda30e3313a21331","chunk_index":31,"chunk_sha256":"6300b1fce5a249c6d89f2e6618fedfd6071a0ed90f4e3a3f53357dd983625afe","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"6300b1fce5a249c6d89f2e6618fedfd6071a0ed90f4e3a3f53357dd983625afe","token_estimate":445,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"Rate Spread: Rate Spread is a\nmodified HMDA data element that\ndiscloses the difference between the\nloan’s Annual Percentage Rate and the\n‘‘average prime offer rate’’ for a\ncomparable transaction, to the third\ndecimal place. Regulation C previously\nrequired that Rate Spread only be\nreported for loans where the spread is\nat least 1.50 percentage points.95 The\nmodified HMDA Rate Spread must\nreport the Rate Spread of any amount\nfor all loans.96 Rate Spread meeting the\nprevious HMDA definition is collected\nby the Enterprises and currently\ndisclosed in the PUDB Single-Family\nCensus Tract File.97 The PUDB Single-\nFamily Census Tract File will continue\nto disclose Rate Spread as previously\ndefined under HMDA.\n\n4. HMDA Single-Family Data Elements\nNot Collected by the Enterprises and\nNot Included in the PUDB\n\nBased on the review of the\n\nEnterprises’ data mapping submissions,\nFHFA concluded that the HMDA single-\nfamily data elements listed below are\nnot collected by the Enterprises from\nloan sellers. All of the data elements\nexcept one relate to loan types not\npurchased by the Enterprises and, thus,\nare not available for reporting. The\nremaining data element, Business or\nCommercial Purpose, is partially\nrepresented by other data elements in\nthe PUDB and FHFA does not require\nthe Enterprises, while in\nconservatorship, to collect the rest of the\ndata from loan sellers solely to populate\nthe PUDB. Accordingly, these data\nelements are not available for inclusion\nin the Single-Family PUDB.\n\n92 12 CFR 1003.4(a)(1) and 1003.5(a)(3). For\n\npurposes of HMDA, the ‘‘originator’’ represented in\nthe LEI is the ‘‘the financial institution that made\nthe credit decision approving the application before\nclosing or account opening.’’ Official\nInterpretations, comment 4(a)–2(i).\n"}
diff --git a/chunks/json/63024aac2b56d115f24d6d12bade6f6688104250e67c536ee28e4accb167f51c.json b/chunks/json/63024aac2b56d115f24d6d12bade6f6688104250e67c536ee28e4accb167f51c.json
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index 0000000000000000000000000000000000000000..2ab371ad11fb39e56aedc9bcaabc27850e51c43f
--- /dev/null
+++ b/chunks/json/63024aac2b56d115f24d6d12bade6f6688104250e67c536ee28e4accb167f51c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":89581,"char_start":87932,"chunk_id":"chk_05def6e89ddbeda7","chunk_index":98,"chunk_sha256":"63024aac2b56d115f24d6d12bade6f6688104250e67c536ee28e4accb167f51c","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"63024aac2b56d115f24d6d12bade6f6688104250e67c536ee28e4accb167f51c","token_estimate":412,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"“Legally Rentable” sets as TXR-I, TXR followed by “Data Source,” which sets as TXR-II, TXR.\n\n“Typical for Market,” “Ingress/Egress,” “Separate Postal Address” set as TXR-I, TXR.\n\nLevel and Room Detail (H2)\n\nLevel and Room Detail table\n\n• Column heads set as TCH: “Level in Unit,” “Grade Level Detail,” “Finish,” “Area,” “Room\n\nSummary” in 5 equal width column table.\n\n• Content sets as TB.\n\nLEVEL AND ROOM DETAIL TABLE\n\nQuality and Condition (H1)\n\nLeft-hand side of page\n\n•\n\n“Interior Quality Rating” Set as TXR-B, TXR.\n\nRight-hand side of page\n\n•\n\n“Interior Condition Rating” Set as TXR-B, TXR.\n\nAppendix E: Report Style Guide\n\nPage 47 of 90\n\nVersion 1.4\n\n•\n\nIntroductory text for Room and Feature tables: “The tables below support the Interior Quality\nand Condition Ratings and reflect the market value condition of this report“ sets as TXC-I x 45\npicas.\n\nKitchen and Bathroom Details (H2)\n\nKitchen and Bathroom Detail table\n\n• Column heads set as TCH: “Room,” “Update Status,” “Time Frame,” “Quality Comment,”\n\n“Condition Status,” “Condition Comment” in\n6 equal column table x 45 picas (~22 characters max per line, each cell).\n\n• Content sets as TB.\n\nKITCHEN AND BATHROOM DETAIL TABLE\n\nLeft-hand side of page\n\n•\n\n“Overall Update Status for Bathrooms” sets as TXR-B, TXR.\n\nInterior Features (H2)\n\nInterior Features table\n\n• Set 5 equal columns table x 45 picas (~36 characters max per line, each cell).\n\n• Column heads: “Feature,” “Detail,” “Quality Comment,” “Condition Status,” “Condition\n\nComment” set as TCH.\n\n• Content sets as TB.\n\nINTERIOR FEATURES TABLE\n\nLeft-hand side of page\n\n•\n\n“Overall Update Status for Flooring” sets as TXR-B, TXR.\n"}
diff --git a/chunks/json/631d12998c181bc330b0f7bd36ed2920f7b574505ca6be95e9a1e7268cb7bf8c.json b/chunks/json/631d12998c181bc330b0f7bd36ed2920f7b574505ca6be95e9a1e7268cb7bf8c.json
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index 0000000000000000000000000000000000000000..b3f62f1643e275bcc3dea150473fc919c2586cbe
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+++ b/chunks/json/631d12998c181bc330b0f7bd36ed2920f7b574505ca6be95e9a1e7268cb7bf8c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":300876,"char_start":299277,"chunk_id":"chk_b943971dcea617d5","chunk_index":174,"chunk_sha256":"631d12998c181bc330b0f7bd36ed2920f7b574505ca6be95e9a1e7268cb7bf8c","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"631d12998c181bc330b0f7bd36ed2920f7b574505ca6be95e9a1e7268cb7bf8c","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Not Updated\n\nGranite Countertops\n| Tile Floor\n\nGranite Countertops\n| Tile Shower\n\nC4\n\nNot Updated\n\nNot Updated\n\nFormica Countertops\n| Vinyl Floor\n\nFormica Countertops\n| Vinyl Floor\n\nC4\n\nNot Updated\n\nNot Updated\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQuality\n\nCondition\n\nProperty Amenities\n\nOutdoor Living\n\nWhole Home\n\nVehicle Storage\n\nType | Spaces | Detail\n\nQ4\n\nC1\n\nQ4\n\nC3\n\n$9,500\n\nQ4 $(10,000)\n\nC3\n\n$7,000\n\nQ4\n\nC3\n\n$17,000\n\nDeck | Deck\n\nDeck | Deck\n\nIndoor Fireplace - 1\n\nIndoor\nFireplace - 1\n\n—\n\n—\n\n$10,000\n\n$1,500\n\n—\n\n$10,000\n\nIndoor\nFireplace - 1\n\nDriveway | 5 | Gravel\nGarage | 2 | Detached\n700 Sq. Ft.\n\n$4,500\n\nDriveway | 5 | Gravel\nGarage | 1 | Attached\n\nDriveway | 5 | Gravel\nGarage | 2 | Detached\n\n$9,000\n\nDriveway | 5 | Gravel\n\nOutbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts)\n\nOutbuilding Type\n\nUnfinished Area\n\nOutbuilding Type\n\nFinished Area\n\nBaths - Half\n\nHeating\n\nUtilities\n\nSummary\n\nList Price\n\nSale Price\n\nNet Adjustment Total\n\nPrice Per Finished\nArea Above Grade\n\nAdjusted Price\n\nComparable Weight\n\nBarn\n\n800 Sq. Ft.\n\nBarn\n\n$0\n\nShed\n\n$5,000\n\nWorkshop\n\n$(5,000)\n\n500 Sq. Ft.\n\n500 Sq. Ft.\n\n500 Sq. Ft.\n\nRec Room/Garage\n\nWorkshop $(10,000)\n\n—\n\n200 Sq. Ft.\n\n0\n\nNone\n\nElectricity\n\n—\n\n1,200 Sq. Ft.\n\n1\n\nYes\n\nElectricity | Sanitary\nSewer | Water\n\n$440,000\n\n$435,000\n\n$(20,000)\n\n$242\n\n$415,000\n\nMost\n\n$0\n\n—\n\n—\n\n—\n\n—\n\n$510,000\n\n$499,900\n\n$(3,700)\n\n$401\n\n$496,200\n\nMost\n\n—\n\n$0\n\n—\n\n—\n\n—\n\n—\n\n$345,000\n\n$345,000\n\n$88,700\n\n$153\n\n$433,700\n\nLess\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$445,000\n"}
diff --git a/chunks/json/632552ad0125dbfb4753dbe0964603a30b3bf2e31083e3c120dbd2d8ffb73331.json b/chunks/json/632552ad0125dbfb4753dbe0964603a30b3bf2e31083e3c120dbd2d8ffb73331.json
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index 0000000000000000000000000000000000000000..d349e7e754a27ac25d6417497e9a24c7631fa109
--- /dev/null
+++ b/chunks/json/632552ad0125dbfb4753dbe0964603a30b3bf2e31083e3c120dbd2d8ffb73331.json
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+{"chunk":{"char_end":1756,"char_start":0,"chunk_id":"chk_feae1495fda8a358","chunk_index":0,"chunk_sha256":"632552ad0125dbfb4753dbe0964603a30b3bf2e31083e3c120dbd2d8ffb73331","date_utc":"2026-01-27T17:54:26+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_362372cc376b39fa","text_sha256":"632552ad0125dbfb4753dbe0964603a30b3bf2e31083e3c120dbd2d8ffb73331","token_estimate":535,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Enterprise_Non_Performing_Loan_Sales_Report___U_S__nc08ju.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/enterprise-non-performing-loan-sales-report\"\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/632f910cedfdc5261e18affbda8d108d7dbd655a88475bb0e42e9f8e48f94216.json b/chunks/json/632f910cedfdc5261e18affbda8d108d7dbd655a88475bb0e42e9f8e48f94216.json
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index 0000000000000000000000000000000000000000..61c16fc9101fffd2dbae6fe830182cf5010e07ec
--- /dev/null
+++ b/chunks/json/632f910cedfdc5261e18affbda8d108d7dbd655a88475bb0e42e9f8e48f94216.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":17078,"char_start":15029,"chunk_id":"chk_5136b3504fe05508","chunk_index":9,"chunk_sha256":"632f910cedfdc5261e18affbda8d108d7dbd655a88475bb0e42e9f8e48f94216","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5c0b0ee89f21d117","text_sha256":"632f910cedfdc5261e18affbda8d108d7dbd655a88475bb0e42e9f8e48f94216","token_estimate":513,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004_70.pdf"]},"text":"INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the\nsubject of this appraisal for a mortgage finance transaction.\n\nINTENDED USER: The intended user of this appraisal report is the lender/client.\n\nDEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open\nmarket under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming\nthe price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and\nthe passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both\nparties are well informed or well advised, and each acting in what he or she considers his or her own best interest; (3) a\nreasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms\nof financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold\nunaffected by special or 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\nnecessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are\nreadily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing\nadjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional\nlender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical\ndollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market’s\nreaction to the financing or concessions based on the appraiser’s judgment.\n"}
diff --git a/chunks/json/633485eb6617eea9f22dc607911407c9df54d4f07b821036b60b279527140557.json b/chunks/json/633485eb6617eea9f22dc607911407c9df54d4f07b821036b60b279527140557.json
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index 0000000000000000000000000000000000000000..6b325f1d55ee1884e2e8421e27b929b227a53e25
--- /dev/null
+++ b/chunks/json/633485eb6617eea9f22dc607911407c9df54d4f07b821036b60b279527140557.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6579,"char_start":4918,"chunk_id":"chk_225277204d5ef4a7","chunk_index":3,"chunk_sha256":"633485eb6617eea9f22dc607911407c9df54d4f07b821036b60b279527140557","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"633485eb6617eea9f22dc607911407c9df54d4f07b821036b60b279527140557","token_estimate":415,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"2024-002\n\n16 Highest and Best\nUse\n\n2024-024\n\n17 Market\n\n2024-052\n\n17 Market\n\nUpdated examples for Overall Quality and Condition\n\nCorrected static text\n\nRemoved Property Value Trend - MarketPropertyValueTrendType (UID:\n3000.0032, FID: 17.020) from Market section\n\nCorrected report label for ImageCategoryType (UID: 1400.0638, FID:\n17.017.1) as it relates to graphs\n\n2024-002\n\n23 Rental Information Corrected field name Other Real Property Rental Income\n\n2024-051 24 Income Approach\n\nCorrected Field IDs (FID) for GRM Comp photos and captions\n\n9/17/2024\n\n1.2\n\n2024-010 25 Cost Approach\n\nUpdated display rules for Effective Date when DataSourceType is “Other”\n\n2024-012 25 Cost Approach\n\nCorrected display rule for EstimatedRemainingEconomicLifeYearsCount\n(0300.0041: 25.019), EffectiveAgeYearsCount (UID: 0300.0039, FID: 25.020),\n\nEffectiveAgeRangeHighYearsCount (UID: 0300.0037, FID: 25.020), and\n\nEffectiveAgeRangeLowYearsCount (UID: 0300.0038, FID: 25.020)\n\n2024-057 25 Cost Approach\n\nUpdated the image Figure 25 – 6 to correct the Cost Data Source\n\n2024-021\n\n26 Reconciliation\n01 Summary\n\nRemoved two enumerations from\nPropertyValuationConditionalConclusionType (UID: 1300.0010, FID: 26.009)\nand removed ValuationReconciliationConditionsCommentDescription (UID:\n1300.0011, FID: 26.013)\n\n2024-043 27 Revision History\n\nAdded Reconsideration of Value subsection (27.003 - 27.006) with guidance\nand examples\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nDate\n\nVersion Change #\n\niGuide Chapter\n\nRevision Description\n\nPage 6\n\n2024-049\n\n29 Certifications and\nScope of Work\n\nCorrected conditionality for ValuationIntendedUseDescription (UID:\n2200.0005, FID: 29.007)\n"}
diff --git a/chunks/json/633f82f44e2ed5dfa6db67f1a7af1bafeef3f1bc9be352476c1a7892d28662b1.json b/chunks/json/633f82f44e2ed5dfa6db67f1a7af1bafeef3f1bc9be352476c1a7892d28662b1.json
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index 0000000000000000000000000000000000000000..5ba16ea3cf3ac9417cb3b977d9f56165623f64c2
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+++ b/chunks/json/633f82f44e2ed5dfa6db67f1a7af1bafeef3f1bc9be352476c1a7892d28662b1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":28616,"char_start":26941,"chunk_id":"chk_561d986434519b26","chunk_index":16,"chunk_sha256":"633f82f44e2ed5dfa6db67f1a7af1bafeef3f1bc9be352476c1a7892d28662b1","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_698a10a0e5f6da7f","text_sha256":"633f82f44e2ed5dfa6db67f1a7af1bafeef3f1bc9be352476c1a7892d28662b1","token_estimate":418,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Hybrid_70H.pdf"]},"text":"19.\nrelied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal or\nthe preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this\nappraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a\nchange to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no\nresponsibility for it.\n\nI identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that\n\n20.\nordered and will receive this appraisal report.\n\nFreddie Mac Form 70H July 2020\n\n226\n\nPage 5 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\n21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower;\nthe mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market\nparticipants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality\nof the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser’s or\nsupervisory appraiser’s (if applicable) consent. Such 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\nmedia).\n"}
diff --git a/chunks/json/6346f8593e12615fbcf5d3feee6d7b4431f1519f932904cb6451751cac9c5d60.json b/chunks/json/6346f8593e12615fbcf5d3feee6d7b4431f1519f932904cb6451751cac9c5d60.json
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index 0000000000000000000000000000000000000000..e32b9f480922c26535fa140f579e543d11100258
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+{"chunk":{"char_end":1757,"char_start":0,"chunk_id":"chk_641c97c6cc10082d","chunk_index":0,"chunk_sha256":"6346f8593e12615fbcf5d3feee6d7b4431f1519f932904cb6451751cac9c5d60","date_utc":"2026-01-27T17:54:33+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ec14d74b5217e0ea","text_sha256":"6346f8593e12615fbcf5d3feee6d7b4431f1519f932904cb6451751cac9c5d60","token_estimate":531,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Conservatorships_Performance_Goals___Scorecard___U_xgchj.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/conservatorships-performance-goals-scorecard\"\ndate_accessed: \"2026-01-27T17:54:20.656Z\"\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/635884d1cae9253140293bc832726746402a44e8b732b9df1f6cfb54281bf247.json b/chunks/json/635884d1cae9253140293bc832726746402a44e8b732b9df1f6cfb54281bf247.json
new file mode 100644
index 0000000000000000000000000000000000000000..7927c9358a7386a0386822af696319262b0b86d2
--- /dev/null
+++ b/chunks/json/635884d1cae9253140293bc832726746402a44e8b732b9df1f6cfb54281bf247.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10214,"char_start":8556,"chunk_id":"chk_1ca8f00ec70b1d61","chunk_index":5,"chunk_sha256":"635884d1cae9253140293bc832726746402a44e8b732b9df1f6cfb54281bf247","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_617da7ffffdf3019","text_sha256":"635884d1cae9253140293bc832726746402a44e8b732b9df1f6cfb54281bf247","token_estimate":414,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Affordable_Housing___Community_Investment___FHFA_57mm4d.md"]},"text":"## Fannie Mae & Freddie Mac\n\n### Enterprise Housing Goals​\n\nThe Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by the Housing and Economic Recovery Act of 2008, requires the setting of annual housing goals for Fannie Mae and Freddie Mac and the monitoring of performance in achieving these goals. FHFA sets and monitors the performance on meeting the established goals. Learn more about the Enterprise housing goals [here](/programs/enterprise-affordable-housing-goals)**.**\n\n### ​Duty to Serve\n\nThe Duty to Serve (DTS) requires Fannie Mae and Freddie Mac (Enterprises) to facilitate a secondary market for mortgages on housing for very low-, low-, and moderate-income families in: Manufactured housing, Affordable housing preservation, and Rural housing. To learn more about Duty to Serve, click [here](/programs/duty-to-serve).\n\n## ​Federal Home Loan Bank System\n\nThe Federal Home Loan Bank (FHLB) system was created by the Federal Home Loan Bank Act of 1932 as a government sponsored enterprise to support mortgage lending and related community investment. It is composed of 11 FHLBanks, more than 6,700 member financial institutions, and the System's fiscal agent, the Office of Finance. Each FHLBank is a separate, government-chartered, member-owned corporation.\n\n[Federal Home Loan Bank Community Lending Plans](/programs/fhlbank-community-lending-plans)\n\n### ​​The Programs\n\n[2024 FHLBank Targeted Mission Activities Report​](/reports/fhlbank-targeted-mission-activities/2024)\n\n[2023 FHLBank Targeted Mission Activities Report​](/sites/default/files/2024-11/2023-FHLB-Targeted-Mission-Activities-Report-FINAL.pdf)\n"}
diff --git a/chunks/json/6365afe2c58bfee129802e4c621dda07bf4a983a9a35401d11cdd9a1459dcd33.json b/chunks/json/6365afe2c58bfee129802e4c621dda07bf4a983a9a35401d11cdd9a1459dcd33.json
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index 0000000000000000000000000000000000000000..2b080119f5b7c143d30deecb30a6b209b503c283
--- /dev/null
+++ b/chunks/json/6365afe2c58bfee129802e4c621dda07bf4a983a9a35401d11cdd9a1459dcd33.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":43854,"char_start":42035,"chunk_id":"chk_d751091e03e6b8c5","chunk_index":24,"chunk_sha256":"6365afe2c58bfee129802e4c621dda07bf4a983a9a35401d11cdd9a1459dcd33","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_326eb9ac34de11c7","text_sha256":"6365afe2c58bfee129802e4c621dda07bf4a983a9a35401d11cdd9a1459dcd33","token_estimate":455,"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":"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 AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 22 of 23\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/636dbeaa76c651a7a40bab59c8b2a1bf14ce8cc8dcd767447e495853322ddebb.json b/chunks/json/636dbeaa76c651a7a40bab59c8b2a1bf14ce8cc8dcd767447e495853322ddebb.json
new file mode 100644
index 0000000000000000000000000000000000000000..18f56413732e439096964bd641b9b9b6f515a7ed
--- /dev/null
+++ b/chunks/json/636dbeaa76c651a7a40bab59c8b2a1bf14ce8cc8dcd767447e495853322ddebb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":772569,"char_start":770917,"chunk_id":"chk_623a12a03387fcdc","chunk_index":458,"chunk_sha256":"636dbeaa76c651a7a40bab59c8b2a1bf14ce8cc8dcd767447e495853322ddebb","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"636dbeaa76c651a7a40bab59c8b2a1bf14ce8cc8dcd767447e495853322ddebb","token_estimate":413,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"UAD Requirement - Refer to Appendix D Improvements Section\nIf the project includes more than one building, this field describes the building in\nwhich the subject unit is located.\n\nPDF Display Format:\nNumeric, to two decimal places: 1.25\n\nUAD Instruction - Refer to Appendix D Project Information Section\nIf the project includes more than one building, this field decribes the number of\nelevators in the building in which the subject unit is located.\n\nPDF Display Format:\nWhole numbers only.\n\nUAD Instruction - Refer to Appendix D Project Information Section\nIf the project includes more than one building, this field describes the building in\nwhich the subject unit is located.\n\nUAD Instruction - Refer to Appendix D Project Information Section\nIf the project includes more than one building, this field describes the building in\nwhich the subject unit is located.\n\nUAD Instruction - Refer to Appendix D Project Information Section\nIf the project includes more than one building, this field describes the building in\nwhich the subject unit is located.\n\nOne and only one of fields 1-141, 1-142, 1-\n143 (values of Building Status Type) should\nbe indicated.\nOne and only one of fields 1-141, 1-142, 1-\n143 (values of Building Status Type) should\nbe indicated.\nOne and only one of fields 1-141, 1-142, 1-\n143 (values of Building Status Type) should\nbe indicated.\n\nUAD Requirement - Refer to Appendix D Improvements Section\nThis is a yes/no field that indicates whether the year built is estimated ('Y' indicates the\nyear built is estimated and 'N' indicates the year built is not estimated).\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n"}
diff --git a/chunks/json/636f33cc0802e850b6fb001024ef4a79fe42f6fb681fb9b2960191c47fad7a4b.json b/chunks/json/636f33cc0802e850b6fb001024ef4a79fe42f6fb681fb9b2960191c47fad7a4b.json
new file mode 100644
index 0000000000000000000000000000000000000000..dd9541bfe66ab275551bddf0c126a002f04c7809
--- /dev/null
+++ b/chunks/json/636f33cc0802e850b6fb001024ef4a79fe42f6fb681fb9b2960191c47fad7a4b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":25132,"char_start":23103,"chunk_id":"chk_e27b897ddf8eaea7","chunk_index":13,"chunk_sha256":"636f33cc0802e850b6fb001024ef4a79fe42f6fb681fb9b2960191c47fad7a4b","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5caeed6ac2d5622f","text_sha256":"636f33cc0802e850b6fb001024ef4a79fe42f6fb681fb9b2960191c47fad7a4b","token_estimate":508,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 2055.pdf"]},"text":"13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from\nreliable sources that I believe to be true and correct.\n\n14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject\nproperty, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I\nhave noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the\npresence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the\nsubject property or that I became aware of during the research involved in performing this appraisal. I have considered these\nadverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and\nmarketability of the subject property.\n\n15. I 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.\n\n16. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which\nare subject only to the assumptions and limiting conditions in this appraisal report.\n\n17. I have no present or prospective interest in the property that is the subject of this report, and I have no present or\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"}
diff --git a/chunks/json/63801279ad933149edb298773860e909894d99b74b3d947c897babb46e61706f.json b/chunks/json/63801279ad933149edb298773860e909894d99b74b3d947c897babb46e61706f.json
new file mode 100644
index 0000000000000000000000000000000000000000..042f4d1f81938eb7e7dce789b3b69c2fabcf6a18
--- /dev/null
+++ b/chunks/json/63801279ad933149edb298773860e909894d99b74b3d947c897babb46e61706f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8440,"char_start":6833,"chunk_id":"chk_fe7d20f248a006dd","chunk_index":4,"chunk_sha256":"63801279ad933149edb298773860e909894d99b74b3d947c897babb46e61706f","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8326755dd0590a28","text_sha256":"63801279ad933149edb298773860e909894d99b74b3d947c897babb46e61706f","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-release-january-11-2025.pdf"]},"text":"DU currently conducts a cash flow assessment on loan casefiles where no borrower has a credit score. The positive benefits of a\ncash flow assessment will no longer be limited to borrowers without a credit score.\n\nAs a reminder, to be eligible for the cash flow assessment in DU:\n▪ The lender must obtain an asset verification report with 12 months of bank data through an authorized DU validation service\n\nasset verification report vendor and confirm the borrower is an account holder.\n\n▪ At the time of loan origination, the originating lender must have access to the full asset verification report containing the data\n\ncovering the timeframe provided to DU for the cash flow assessment.\n\nNote: As specified above, cash flow assessment can be used to positively supplement the credit risk assessment and to cover\nthe documentation requirement for nontraditional credit references for borrowers without a credit score.\n\nRent Payment Identification\n\nDU currently only considers positive rent payment history using a 12-month asset verification report for first-time homebuyers\npurchasing a principal residence and requires the borrower to have a credit score.\n\nWe will expand the evaluation of rent payment history to the following:\n\n▪ Certain additional borrowers currently paying rent, even if that borrower has had an ownership interest in another\n\nproperty in the last three years.\n\n▪ Positive rent payment history using any rental accounts reported on the borrower’s credit report will be considered,\n\nin addition to the continued use of rent payments identified on a 12-month asset verification report.\n"}
diff --git a/chunks/json/6393cb4019c37161cf386f036f629868445585ab54feed6a936f3e42a2702f3a.json b/chunks/json/6393cb4019c37161cf386f036f629868445585ab54feed6a936f3e42a2702f3a.json
new file mode 100644
index 0000000000000000000000000000000000000000..496127169ed225008046866ed966e549fefcb915
--- /dev/null
+++ b/chunks/json/6393cb4019c37161cf386f036f629868445585ab54feed6a936f3e42a2702f3a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":34134,"char_start":32528,"chunk_id":"chk_ca1aadac8c490796","chunk_index":20,"chunk_sha256":"6393cb4019c37161cf386f036f629868445585ab54feed6a936f3e42a2702f3a","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"6393cb4019c37161cf386f036f629868445585ab54feed6a936f3e42a2702f3a","token_estimate":402,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"TB-I\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nTB-SCA_sub-H1\n\nTB-B\nTB-B\n\nQuality\nQuality\n\nCondition\nCondition\n\nProperty Amenities\nProperty Amenities\n\nTB-SCA_sub-H1\n\nTB\n\nOutdoor Accessories\nOutdoor Accessories\n\nOutdoor Living\nOutdoor Living\n\nWater Features\nWater Features\n\nWhole Home\nWhole Home\n\nTB\n\nMiscellaneous\nMiscellaneous\n\nVehicle Storage\nVehicle Storage\n\nTB-SCA_sub-H1-ADJ\n\nType | Spaces | Detail\nType | Spaces | Detail\n\nTB\nTB\n\n$\n$\n\n$\n$\n\n$\n$\n\n$\n$\n\n$\n$\n\n$\n$\n\n$\n$\n\n$\n$\n\nOutbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts)\nOutbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts)\n\nTB-SCA_sub-H1\n\n$\n$\n\nTB-B\nTB-I\n\nOutbuilding Type\nOutbuilding Type\n\nGross Building Area\nGross Building Area\n\nFinished Area\nFinished Area\n\nUnfinished Area\nUnfinished Area\n\nStructure Volume\nStructure Volume\n\nBaths - Full\nBaths - Full\n\nBaths - Half\nBaths - Half\n\nKitchens\nKitchens\n\nHeating\nHeating\n\nCooling\nCooling\n\nUtilities\nUtilities\n\nTB-I\n\nFTR-L\n\n$\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\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\n2 COLUMN PAGE FORMAT\n\nSubject Property\n\nComparable #\n\nComparable #\n\nComparable #\n\nHDR-L\n\nTCH\nTB\n\nProperty Address\n\nSummary\n\nTB-SCA_sub-H1\n\nTB\n\nList Price\n\nContract Price\n\nSale Price\n\nNet Adjustment Total\n"}
diff --git a/chunks/json/639b3c4191ee529d82f970b767d1b935f54d4eca3934d796a46cfd689627555d.json b/chunks/json/639b3c4191ee529d82f970b767d1b935f54d4eca3934d796a46cfd689627555d.json
new file mode 100644
index 0000000000000000000000000000000000000000..31b30b4af5ec8b2d05eb4e23cda6d6dc801122cb
--- /dev/null
+++ b/chunks/json/639b3c4191ee529d82f970b767d1b935f54d4eca3934d796a46cfd689627555d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1050416,"char_start":1048629,"chunk_id":"chk_94128456967f227d","chunk_index":625,"chunk_sha256":"639b3c4191ee529d82f970b767d1b935f54d4eca3934d796a46cfd689627555d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"639b3c4191ee529d82f970b767d1b935f54d4eca3934d796a46cfd689627555d","token_estimate":447,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"19\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\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\nAt least one but no more than two values are\nrequired.\n\nR\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 177 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\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_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[@GSEViewType='Other']/@GSE\nViewTypeOtherDescription\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 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"}
diff --git a/chunks/json/63a0d8583a5296627629db34ee6726f538cb12c2c6fc1faa1af77792d53337e8.json b/chunks/json/63a0d8583a5296627629db34ee6726f538cb12c2c6fc1faa1af77792d53337e8.json
new file mode 100644
index 0000000000000000000000000000000000000000..44d6a4bc2675066c66c3ae4eca037e4114f844f8
--- /dev/null
+++ b/chunks/json/63a0d8583a5296627629db34ee6726f538cb12c2c6fc1faa1af77792d53337e8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13527,"char_start":11843,"chunk_id":"chk_026d623c073be28c","chunk_index":10,"chunk_sha256":"63a0d8583a5296627629db34ee6726f538cb12c2c6fc1faa1af77792d53337e8","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"63a0d8583a5296627629db34ee6726f538cb12c2c6fc1faa1af77792d53337e8","token_estimate":421,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"For example: The One-to-One INDIVIDUAL to NAME relationship, One-to-Many BORROWER to\nEMPLOYER relationship, and Many-to-Many BORROWER to ASSET relationships discussed earlier\nare all examples of Irreflexive Relationships.\n\nData Relationships Using Xlink and MISMO Arcroles\n\nPage 9 of 29\n\nVersion 1.1\n\n___________ _ __ Rules for XLink Relationships\n\nRULES FOR XLI NK RELATI ONSHI PS\n\nThis section was copied from the MISMO Version 3 Reference Model General Information Guide.\n\nOVERVIEW\n\nThe previous section identified types of relationships and the methods MISMO uses to define\nrelationships – either by containment or by pointing. Whenever we need to identify relationships\nbetween elements that are not directly contained by another, we use Xlink Relationships. MISMO has\nadded the appropriately named RELATIONSHIPS container structure as a means of specifying those\nrelationships.\n\nThe RELATIONSHIPS container is a child of MESSAGE, DEAL_SETS, DEAL_SET, DEALS, DEAL,\nand DOCUMENT. The location in the Reference Model of the RELATIONSHIPS container is\ndetermined by the XML instance and its structure. The RELATIONSHIPS container used MUST be at\nthe lowest structural level that is a parent or sibling of the elements being joined.\n\nExamples include:\n\n The RELATIONSHIPS container as a child of a DEAL_SETS container links\n\nDEAL_SETS/PARTY data to DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN data.\n\n The RELATIONSHIPS container as a child of a DOCUMENT container links all the information\nabout document signatures in the DOCUMENT/SIGNATORIES/SIGNATORY container to the\nactual DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTY container representing the\nperson that signed the document.\n"}
diff --git a/chunks/json/63a4654048865981b03802e3f6618f172c4a96168405358751e1cc5b5e03a14c.json b/chunks/json/63a4654048865981b03802e3f6618f172c4a96168405358751e1cc5b5e03a14c.json
new file mode 100644
index 0000000000000000000000000000000000000000..0eee8360d15a45bd4740fcc9b8e322b71d6e0a1e
--- /dev/null
+++ b/chunks/json/63a4654048865981b03802e3f6618f172c4a96168405358751e1cc5b5e03a14c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":25933,"char_start":24315,"chunk_id":"chk_95bdbe391e56ff21","chunk_index":14,"chunk_sha256":"63a4654048865981b03802e3f6618f172c4a96168405358751e1cc5b5e03a14c","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"63a4654048865981b03802e3f6618f172c4a96168405358751e1cc5b5e03a14c","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"Yes | No\n\nGovernment Agency: Indicates whether the assignment has been prepared\naccording to government agency requirements.\n\nNote: If not populated, AMC Fee does not display.\n\nRequired if\nGovernment Agency is\nYes\n\nFHA, USDA, or VA Government Agency Type: The agency that insures or guarantees the loan\n\nassociated with the assignment.\n\nIf applicable\n\nFree-form\n\nNote: Valid values trigger display of FHA, VA, and / or USDA information\nthroughout the Appraisal Update.\n\nWhen requested by the investor, special identification provided with the\nRestricted Appraisal Update Report (e.g., special pilot program, disaster,\npandemic).\n\nNote: If not provided, Investor Requested Special Identification does not\ndisplay.\n\nAppendix F-2: Appraisal Update Report Reference Guide\n\nPage 14 of 28\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Assignment Information\n\nContact Information\n\nThis subsection includes information about the people and / or companies (“contacts”) that are pertinent to the\nappraisal update, including:\n• Clients, including lenders, AMCs, and other parties as identified by the appraiser\n• Appraiser and Supervisory Appraiser\n\nSelect Role(s) for all the contacts that are identified in the Assignment Information section. When selecting\nRole(s) to associate with a contact, select the ones that most closely identify the role(s) the contact performed\nas part of the assignment.\n• Select as many Roles as are applicable but at least one for each identified contact.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n04.048 N/A\n\nAlways required for\neach contact (person)\n\nAssignment: Contact Information - Role\n"}
diff --git a/chunks/json/63ae1852d519ef6d39b41795d91edb606c974a2168d25977732a2fe347d7c6cb.json b/chunks/json/63ae1852d519ef6d39b41795d91edb606c974a2168d25977732a2fe347d7c6cb.json
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index 0000000000000000000000000000000000000000..f06bd090a0dc2a928b97ac87502a689b10777da5
--- /dev/null
+++ b/chunks/json/63ae1852d519ef6d39b41795d91edb606c974a2168d25977732a2fe347d7c6cb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":17953,"char_start":16336,"chunk_id":"chk_5bbd55b4f82318bf","chunk_index":9,"chunk_sha256":"63ae1852d519ef6d39b41795d91edb606c974a2168d25977732a2fe347d7c6cb","date_utc":"2026-01-27T17:47:59+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b2ae32f02cf8673","text_sha256":"63ae1852d519ef6d39b41795d91edb606c974a2168d25977732a2fe347d7c6cb","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/National_Mortgage_Database_Program___FHFA_dj6a7.md"]},"text":"The responses to this survey will remain anonymous. The questionnaire does not ask you for any identifying information, so please do not identify yourself in any way on the envelope or the returned questionnaire. The code numbers on the survey are there to aid in the scanning process and to keep track of returned surveys.\n\nWe greatly appreciate your effort to answer the questions and return the questionnaire. We thank you for your help with this important national survey.\n\nFor those who have been selected to be a part of the survey, it can be completed online. Go to [www.NSMOsurvey.com](https://www.nsmosurvey.com/) and enter your personal PIN number that was included in the letter mailed to you.\n\nIf you have any questions about this survey, please feel free to call us at 1-​855-531-0724. We look forward to hearing from you.\n\n### Current Survey Cover Letter and Questionnaire\n\n[Image\n\n![NSMO 2024Q2 Cover Letter](/sites/default/files/styles/portrait_thumbnail_150_x_200_/public/2024-05/NSMO_2024Q2_Letter.png?itok=AAs0roIX)](/document/nsmo_2025q2_letter.pdf)[Survey Cover Letter](/document/nsmo_2025q2_letter.pdf)\n\n[Image\n\n![FHFA NSMO Survey Questionnaire thumbnail](/sites/default/files/styles/portrait_thumbnail_150_x_200_/public/2024-05/NSMO_2024Q1_Questionnaire.png?itok=yhiFTS69)](/document/nsmo_2025q1_questionnaire.pdf)[Survey Qu​estionnaire](/document/nsmo_2025q1_questionnaire.pdf)\n\n### Related Documents\n\n[30-Day Notice of Submission of National Survey of Mortgage Originations (NSMO) Information Collection](/regulation/federal-register/pra-information-collection-notice/2024-n-13) (8/30/2024)\n"}
diff --git a/chunks/json/63af41027369237189f8a3c4bdae778bfc655db734930a810f9e1871702e69b6.json b/chunks/json/63af41027369237189f8a3c4bdae778bfc655db734930a810f9e1871702e69b6.json
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index 0000000000000000000000000000000000000000..76837407b5a3361b622bb4d47d5d7e574d8ea99f
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+++ b/chunks/json/63af41027369237189f8a3c4bdae778bfc655db734930a810f9e1871702e69b6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1573,"char_start":0,"chunk_id":"chk_8271c3499b8e5de7","chunk_index":0,"chunk_sha256":"63af41027369237189f8a3c4bdae778bfc655db734930a810f9e1871702e69b6","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_95c09eed01a1b7de","text_sha256":"63af41027369237189f8a3c4bdae778bfc655db734930a810f9e1871702e69b6","token_estimate":393,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-release-july-19-2025.pdf"]},"text":"Desktop Underwriter/Desktop Originator Release Notes\nDU Version 12.0 July Update\n\nJune 18, 2025\n\nDuring the weekend of July 19, 2025, Fannie Mae will implement an update to Desktop Underwriter® (DU®) Version 12.0, which\nwill include the changes described below.\n\nDU Address Standardization\n\nThe service used by DU to standardize the address and provide the FIPS code to determine the Area Median Income limit (AMI)\nassociated with a specific property will be updated for properties in the state of Connecticut. DU will now use the nine planning\nregions that were published by the U.S. Census Bureau in 2022. These nine planning regions replace Connecticut's eight counties\nused historically.\n\nNote: DU will begin using the CT planning regions associated with the standardized address for new loan casefiles created\non or after July 20, 2025. DU will continue to use the CT counties for existing loan casefiles resubmitted after the weekend\nof July 19, 2025.\n\nIn addition, the Area Median Income Lookup Tool will continue to use CT counties as loan limits and high-cost area designations\nare not available for CT planning regions.\n\nCopyright Update\n\nThe copyright shown at the bottom of all versions of the DU Underwriting Findings report will be updated to the following:\nCopyright (c) 2025 Fannie Mae.\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.\n\n© 2025 Fannie Mae.\n\n6.18.25\n\n1 of 1\n"}
diff --git a/chunks/json/63b33725246fddaa766de1ff085baa4f4b03380270c092a062b71d1a360686d7.json b/chunks/json/63b33725246fddaa766de1ff085baa4f4b03380270c092a062b71d1a360686d7.json
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index 0000000000000000000000000000000000000000..b96c78cc06e148117e790e138fda9f7be42205f3
--- /dev/null
+++ b/chunks/json/63b33725246fddaa766de1ff085baa4f4b03380270c092a062b71d1a360686d7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":377710,"char_start":376106,"chunk_id":"chk_75508d45f7faf48a","chunk_index":210,"chunk_sha256":"63b33725246fddaa766de1ff085baa4f4b03380270c092a062b71d1a360686d7","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"63b33725246fddaa766de1ff085baa4f4b03380270c092a062b71d1a360686d7","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":"Underwriting and DU Requirements\n\nLoans secured by manufactured homes (including MH Advantage properties) must be underwritten through DU.\n\nWhen entering the property information into DU, the lender must correctly identify the property type as a manufactured\nhome or MH Advantage, and identify whether it is in a condo, co-op, or PUD project.\n\nNote: DU does not distinguish between single-section and multi-section.\n\nDU checks the subject property addresses against manufactured home property addresses in the DU property database. If\nDU’s database indicates the property may be a manufactured home, DU will return a message alerting the lender. DU’s\nissuance of this message does not necessarily mean the property is a manufactured home, nor does the absence of this\nmessage indicate that Fannie Mae accepts the accuracy of the property type as it was submitted\n\nLenders must research the subject property type. If it is determined the property is a manufactured home, the lender must\ncorrect the property type and resubmit the loan casefile to DU. If it is NOT a manufactured home, the loan may be delivered\nwith the appraisal recommendation provided by DU.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 151 of 166\n\nUAD 3.6 Policy\n\nNote: DU will issue a message reminding the lender to ensure that the MH Advantage or single-section manufactured home\nrequirements are met, in addition to all other manufactured housing requirements.\n\nLoan Amount\n\nThe loan amount may include the following costs:\n\n•\n\ncost of the manufactured home;\n\n•\n\ncost of the land;\n\n•\n\nthe costs of construction, including\n"}
diff --git a/chunks/json/63dd788495dcd1ae3521b2cd46ff560af70af0ff42fc796c5493a3a50d564df6.json b/chunks/json/63dd788495dcd1ae3521b2cd46ff560af70af0ff42fc796c5493a3a50d564df6.json
new file mode 100644
index 0000000000000000000000000000000000000000..4e9205999336f6917801f594467adbacb078046b
--- /dev/null
+++ b/chunks/json/63dd788495dcd1ae3521b2cd46ff560af70af0ff42fc796c5493a3a50d564df6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":42345,"char_start":40688,"chunk_id":"chk_81851a3119f7fed2","chunk_index":22,"chunk_sha256":"63dd788495dcd1ae3521b2cd46ff560af70af0ff42fc796c5493a3a50d564df6","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"63dd788495dcd1ae3521b2cd46ff560af70af0ff42fc796c5493a3a50d564df6","token_estimate":414,"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 19 of 166\n\nUAD 3.6 Policy\n\nSB2-3-03, Special Property Eligibility and Underwriting Considerations:\nLeasehold Estates (06/04/2025)\n\nIntroduction\n\nThis topic contains information on leasehold estates, including:\n\nLeasehold Estates\n\n•\n• Definitions\n• General Requirements for Leasehold Mortgages\n•\n• Borrower's Option to Purchase Fee Interest\n•\nExceptions to Leasehold Requirements\n\nLease Requirements\n\nLeasehold Estates\n\nFannie Mae purchases or securitizes loans that are secured by properties subject to leasehold estates in areas in which this type of\nproperty ownership has received market acceptance.\n\nEligible property types are:\n\n• one- to four-unit properties,\n\n•\n\n•\n\ncondo units,\n\nco-op units,\n\n• PUD units,\n\n• manufactured homes located in a condo or PUD project approved by Fannie Mae's Project Review Eligibility Service\n\n(PERS). See SB4-2.2-06, Project Eligibility Review Service (PERS).\n\nA loan secured by a unit in a project that is subject to a ground lease is considered a loan secured by a leasehold estate for\npurposes of this topic. For these loans, lenders must also comply with all legal and eligibility requirements for condos, co-ops,\nand PUDs. See Selling Guide, Chapter B4-2, Project Standards, for additional information.\n\nDefinitions\n\nThe following definitions apply to this topic:\n\n• A loan secured by a leasehold estate is also known as a “leasehold mortgage.”\n\n•\n\n•\n\n•\n\nThe term “lease” includes any form of lease or ground lease (for example, a master lease, business lease, sublease, or\nunit lease), together with any addendum, amendment, or rider, or a memorandum thereof.\n"}
diff --git a/chunks/json/63ed6e22d2b84a1b67ad6c383ef1b08eb3584afef3d5107946a0a0565f9733f1.json b/chunks/json/63ed6e22d2b84a1b67ad6c383ef1b08eb3584afef3d5107946a0a0565f9733f1.json
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index 0000000000000000000000000000000000000000..d450e95082fb0ece7f5def0aef2a0ee69bc0fccf
--- /dev/null
+++ b/chunks/json/63ed6e22d2b84a1b67ad6c383ef1b08eb3584afef3d5107946a0a0565f9733f1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":278173,"char_start":276542,"chunk_id":"chk_de11e23352eccd6d","chunk_index":160,"chunk_sha256":"63ed6e22d2b84a1b67ad6c383ef1b08eb3584afef3d5107946a0a0565f9733f1","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"63ed6e22d2b84a1b67ad6c383ef1b08eb3584afef3d5107946a0a0565f9733f1","token_estimate":408,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Legal Description\n\nSection 23 Township 3S Range 3E Tax Lot 00700 and 00700B\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 3 of 30\nPage 3 of 30\n\nSite\n\nTotal Site Size\n\n5 Acres\n\nAssessor Parcel Number (APN)\n919845\n\n919846\n\nZoning\n\nCompliance\nImpact\n\nNo Zoning\nNeutral\n\nDescription of Zoning Compliance No zoning typical to County\nProperty Use\n\nPrimarily Residential\nNon-Residential Use\nNon-Residential Modification\n\nYes\nAgricultural\nYes\n\nDescription of Non-Residential Use/Modification Board fencing\naround entire property to the barn.\n\nSite Influence\n\nInfluence\nApparent Environmental\nCondition\n\nBody of Water\n\nOverhead Electric Power\nTransmission Line\n\nProximity\nOffsite | 3.5 Miles\n\nOnsite\n\nOnsite\n\nDetail\nLandfill\n\nLake\n\nNumber of Parcels\n\nContiguous\nElements Dividing Parcels\n\n2\nNo\nRoad\n\nAPN Description\nLand with Dwelling\n\nLand with Improvement\n\nParcel Size\n4.75 Acres\n\n0.25 Acres\n\nProperty Access\nPrimary Access\nStreet Type and Surface\nTypical for Market\n\nPublic Street\nRural Road | Gravel\nYes\n\nImpact\nAdverse\n\nBeneficial\n\nAdverse\n\nComment\nThe county landfill is known\nfor its noxious odors.\n\nThe water frontage has a\nbeneficial value impact.\n\nAlthough the subject\ndwelling is outside the fall\ndistance, the land is still\nunable to be developed and\nthe power lines are noisy.\n\nSite Influence Commentary The water frontage has a positive impact on value and offsets the negative factors from the power lines. The\nlandfill impacts a broader area and affects many homes.\n"}
diff --git a/chunks/json/63fcee1457aa5f5cd2a7963e7d861d042cc46b4b9125f41fcf9ddda1117f6ab6.json b/chunks/json/63fcee1457aa5f5cd2a7963e7d861d042cc46b4b9125f41fcf9ddda1117f6ab6.json
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index 0000000000000000000000000000000000000000..d9909a44ce23eddf04b818f96fa99870ad15476f
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+++ b/chunks/json/63fcee1457aa5f5cd2a7963e7d861d042cc46b4b9125f41fcf9ddda1117f6ab6.json
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+{"chunk":{"char_end":415135,"char_start":413414,"chunk_id":"chk_5e4976ac3a8480be","chunk_index":233,"chunk_sha256":"63fcee1457aa5f5cd2a7963e7d861d042cc46b4b9125f41fcf9ddda1117f6ab6","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"63fcee1457aa5f5cd2a7963e7d861d042cc46b4b9125f41fcf9ddda1117f6ab6","token_estimate":431,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"18.4 The data points used to provide the value of Initial Escrow Payment (IntegratedDisclosureSectionType =\n\n“InitialEscrowPaymentAtClosing” and IntegratedDisclosureSectionTotalAmount) are the same as those\nused for the section G. Initial Escrow Payment at Closing subtotal in the Other Costs table. Although this\nvalue appears in two places on the Closing Disclosure, the data points are provided only once in the XML\nfile.\n\n18.5 The data point and attribute used to provide the value of Monthly Escrow Payment\n\n(ProjectedPaymentEstimatedEscrowPaymentAmount and @SequenceNumber in the first instance of\nPROJECTED_PAYMENT), are the same as those used for the first period amount for Estimated Escrow in\nthe Projected Payments table. Although this value appears in two places on the Closing Disclosure, the\ndata points are provided only once in the XML file\n\n18. 6-18. 7 NO ESCROW ACCOUNT\n\nIf the loan will not have an escrow account, the fields under the No Escrow heading (18.6 – 18.7) must be\ncompleted. As illustrated in Figure 113, lenders must disclose that no escrow account has been/will be\nestablished for the loan. The reason also must be provided--either that the borrower declined it or the lender\ndid not offer one. The dollar amounts of 18.6 Estimated Property Costs over Year 1 and 18.7 Escrow Waiver Fee\nmust be disclosed, and the escrow waiver fee must be included as a line item in either the Loan Costs or Other\nCosts table as well.\n\n18.0 Escrow Account\n\nFor now, your loan\n\n18.1  will have an escrow account (also called an “impound” or “trust” account) to pay\nthe property costs listed below. Without an escrow account, you would pay them\ndirectly possibly in one or two large payments a year. Your …\n"}
diff --git a/chunks/json/642e88c7fa162c87f8e51d06b686cfc14990e70cdc948226d67cd755d8926556.json b/chunks/json/642e88c7fa162c87f8e51d06b686cfc14990e70cdc948226d67cd755d8926556.json
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index 0000000000000000000000000000000000000000..dd144af8eaf2842f0adbc2735b85e2cc5b9c666d
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+++ b/chunks/json/642e88c7fa162c87f8e51d06b686cfc14990e70cdc948226d67cd755d8926556.json
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+{"chunk":{"char_end":8679,"char_start":7116,"chunk_id":"chk_39d3c903b135ec7a","chunk_index":4,"chunk_sha256":"642e88c7fa162c87f8e51d06b686cfc14990e70cdc948226d67cd755d8926556","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_5f4e47606b8eea0a","text_sha256":"642e88c7fa162c87f8e51d06b686cfc14990e70cdc948226d67cd755d8926556","token_estimate":411,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Equal_Employment_Opportunity_and_the_No_FEAR_Act___8tmqme.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# Equal Employment Opportunity and the No FEAR Act\n\nThe No FEAR Act is intended to increase the accountability of Federal agencies for acts of discrimination or reprisal against employees, former employees, and applicants.\n\n## Breadcrumb\n\n- [Home](/)\n - [​FHFA AT-A-GLANCE](/about)\n - [FHFA Policies](/about/fhfa-policies)\n - Equal Employment Opportunity and The No FEAR Act\n"}
diff --git a/chunks/json/64385918c6731313289853a362143a5c85e0b4f659ab9cd89611378ca81e16dc.json b/chunks/json/64385918c6731313289853a362143a5c85e0b4f659ab9cd89611378ca81e16dc.json
new file mode 100644
index 0000000000000000000000000000000000000000..dc38a4557d361b8bff52bdd708fceda9f862f946
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+++ b/chunks/json/64385918c6731313289853a362143a5c85e0b4f659ab9cd89611378ca81e16dc.json
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+{"chunk":{"char_end":464595,"char_start":462995,"chunk_id":"chk_785b5a26edab2cba","chunk_index":275,"chunk_sha256":"64385918c6731313289853a362143a5c85e0b4f659ab9cd89611378ca81e16dc","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"64385918c6731313289853a362143a5c85e0b4f659ab9cd89611378ca81e16dc","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Note: If No, “None” displays in the Known Legal Actions row.\n\nCommentary on the nature of the litigation or alternative dispute resolution,\nsources of information, a description of the impact to value and / or\nmarketability, and any other details.\nNote: For further expansion of commentary, use Project Factors Commentary\n(18.094).\n\nUnit Transfer Fees\n\nThe Unit Transfer Fees row displays in the Project Factors table if the property is in a condominium, cooperative,\nor condop.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nRequired if the\nproperty is in a\ncondominium,\ncooperative, or\ncondop\n\n18.071 Unit Transfer\nFees\n(Detail)\n\n18.071 Unit Transfer\nFees\n(Detail)\n\n18.081 Unit Transfer\nFees\n(Impact)\n\n18.091 Unit Transfer\nFees\n(Comment)\n\nProject Factors: Unit Transfer Fees\n\nAllowable\nAnswers / Format\n\nYes | No\n\nDefinition / Additional Guidance\n\nTransfer Fees: Indicates whether transferring ownership incurs a fee that is due\nto the HOA or cooperative board. May also be referred to as “flip taxes” such as\nin New York City.\nNote: If No, “None” displays in the Unit Transfer Fees row.\n\nRequired if Transfer\nFees is Yes\n\nDollar amount\n\nTransfer Fee Amount\nNote: If the transfer fee is a percentage, convert it to a dollar amount.\n\nRequired if Transfer\nFees is Yes\n\nRequired if Transfer\nFees is Yes, or as\nneeded\n\nAdverse,\nBeneficial, or\nNeutral\n\nFree-form\n\nCommentary on the nature of the transfer fee, sources of information, a\ndescription of the impact to value and / or marketability, and any other details.\nNote: For further expansion of commentary, use Project Factors Commentary\n(18.094).\n"}
diff --git a/chunks/json/64427d82eb5b6fada24b9fa7b37b99aa84fb37a635146605bc7f6c459e851da9.json b/chunks/json/64427d82eb5b6fada24b9fa7b37b99aa84fb37a635146605bc7f6c459e851da9.json
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index 0000000000000000000000000000000000000000..48c13a063e65736feaaee9b4b94feb26757bfa22
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+++ b/chunks/json/64427d82eb5b6fada24b9fa7b37b99aa84fb37a635146605bc7f6c459e851da9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3419,"char_start":1817,"chunk_id":"chk_40d14315d6fcecf1","chunk_index":1,"chunk_sha256":"64427d82eb5b6fada24b9fa7b37b99aa84fb37a635146605bc7f6c459e851da9","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a44943f7f81b46d4","text_sha256":"64427d82eb5b6fada24b9fa7b37b99aa84fb37a635146605bc7f6c459e851da9","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/special-feature-codes.pdf"]},"text":"Significant Interest Rate Buydown\nUsed to identify a mortgage that is subject to a temporary interest rate buydown that has\neither more than a 2 percent difference between the actual note rate and the \"bought down\"\nrate or a buydown period greater than two years. This SFC is used to assign prefixes DI, DL,\nand DX.\nLender-Purchased Mortgage Insurance\nUsed to identify a mortgage for which the lender (rather than the borrower) purchased the\nmortgage insurance coverage.\nDelivery is optional – code is auto-derived\nIndemnification\nUsed to identify loans wherein the lender agrees to reimburse/ indemnify Fannie Mae for\nlosses under the terms of a negotiated agreement.\n\n036 Whole Loan Fixed-Rate Resale of Converted ARM\n\n037\n\nBoth\n\nUsed to identify a converted ARM that was repurchased from an MBS pool because the\nconversion to fixed-rate option was exercised and subsequently redelivered to Fannie\nMae as a whole loan delivery of a fixed-rate mortgage.\nConvertible ARM—Take-Out Option\nUsed to identify the post-conversion disposition option selected for a mortgage in an ARM\nMBS pool that will result in the redelivery of a converted ARM to Fannie Mae, as either a\nwhole loan delivery or as part of an MBS pool delivery, after it is removed from the pool\nfollowing its conversion to a fixed-rate mortgage.\n\nDelivery\nType*\n\nNegotiated\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\n(when loan\nis delivered\non a spot-\nloan basis)\nBoth\n\nBoth\n\nNegotiated\n\nBoth\n\nBoth\n\n© 2025 Fannie Mae\n\n9.03.2025\n\n1 of 7\n\nCode\n\n038\n\nWhole\nLoan/MBS\nBoth\n\n054\n\nBoth\n\n076\n\nBoth\n\n087\n\nBoth\n\n107\n\nBoth\n\n118\n\nBoth\n\n127\n\nBoth\n\n151\n\nBoth\n\n155\n\nBoth\n"}
diff --git a/chunks/json/6442c51fd1a36be5cdf0bc6471ed389b1bd29783bd0b7dcd7746a9c6bbf684df.json b/chunks/json/6442c51fd1a36be5cdf0bc6471ed389b1bd29783bd0b7dcd7746a9c6bbf684df.json
new file mode 100644
index 0000000000000000000000000000000000000000..b906819d8e22c9492d9eafd91956152453c07a5f
--- /dev/null
+++ b/chunks/json/6442c51fd1a36be5cdf0bc6471ed389b1bd29783bd0b7dcd7746a9c6bbf684df.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12139,"char_start":10398,"chunk_id":"chk_1290a6b15ed8a757","chunk_index":6,"chunk_sha256":"6442c51fd1a36be5cdf0bc6471ed389b1bd29783bd0b7dcd7746a9c6bbf684df","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6b45fc2836077ba7","text_sha256":"6442c51fd1a36be5cdf0bc6471ed389b1bd29783bd0b7dcd7746a9c6bbf684df","token_estimate":433,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/_FHFA_AT_A_GLANCE___FHFA_7gmoyl.md"]},"text":"## Our Values\n\n- ## Fairness\n\nWe value varied perspectives and thoughts and treat others with impartiality.\n\n- ## Integrity\n\nWe are committed to the highest ethical and professional standards to inspire trust and confidence in our work and in one another.\n\n- ## Accountability\n\nWe are responsible for carrying out our work with transparency and professional excellence.\n\n- ## Respect\n\nWe treat others with dignity, share information and resources, and collaborate.\n\n## Oversight\n\nTogether, [Fannie Mae](http://www.fanniemae.com/portal/index.html), [Freddie Mac](http://www.freddiemac.com/), and the [FHLBank System](http://www.fhlbanks.com/) provide more than $8.1 trillion in funding for the U.S. mortgage markets and financial institutions.\n\n### Managing the [Conservatorships](/conservatorship) of Fannie Mae and Freddie Mac\n\nIn addition to prudential supervision and regulation of Fannie Mae and Freddie Mac, since 2008 FHFA has overseen the conservatorships of the Enterprises, in part through a scorecard that FHFA releases annually.\n\n### Federal Home Loan Bank System\n\nThe [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system) was created by the Federal Home Loan Bank Act as a government sponsored enterprise to support mortgage lending and related community investment.\n\nThe FHLBank System provides its members (thrift institutions, commercial banks, credit unions, insurance companies, and certified community development financial institutions) with a source of funding for mortgages and asset-liability management, liquidity for their short-term needs, and additional funds for housing finance and community development. Approximately 80 percent of U.S. lending institutions rely on the FHLBanks.\n"}
diff --git a/chunks/json/644bbf2ca4f9c23d23feb0b35f880620e7cbec704e05e20afb9a739c3dd5778f.json b/chunks/json/644bbf2ca4f9c23d23feb0b35f880620e7cbec704e05e20afb9a739c3dd5778f.json
new file mode 100644
index 0000000000000000000000000000000000000000..f388af50ca2ceec4d0bf0135b970d087f9555458
--- /dev/null
+++ b/chunks/json/644bbf2ca4f9c23d23feb0b35f880620e7cbec704e05e20afb9a739c3dd5778f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":906234,"char_start":904612,"chunk_id":"chk_ae513f8f2fe55f81","chunk_index":538,"chunk_sha256":"644bbf2ca4f9c23d23feb0b35f880620e7cbec704e05e20afb9a739c3dd5778f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"644bbf2ca4f9c23d23feb0b35f880620e7cbec704e05e20afb9a739c3dd5778f","token_estimate":406,"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\nString\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nT\n\nR\n\nR\n\nT\n\nR\n\nR\n\nT\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 156 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\n388\n\n3\n\n59\n\nSALES\nCOMPARISON\nAPPROACH\n\nSale or Financing\n(Line 1)\n\nGSE Sale Type\n\nThe type of sale associated with the\nsubject or comparable property.\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/@GSESaleType\n\n17\n\nEnumerated\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\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\n*Does not apply to subject property.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\n389\n\n3\n\n60\n\nSALES\nCOMPARISON\nAPPROACH\n\nSale or Financing\nAdjustment\n(Line 1)\n"}
diff --git a/chunks/json/645a52ba6db221812ab6d70b06fe06bbee00b12557b07c35d4ba9e7dd05aeae8.json b/chunks/json/645a52ba6db221812ab6d70b06fe06bbee00b12557b07c35d4ba9e7dd05aeae8.json
new file mode 100644
index 0000000000000000000000000000000000000000..8681592049cb74de78fe766cdef5a933756cf2ab
--- /dev/null
+++ b/chunks/json/645a52ba6db221812ab6d70b06fe06bbee00b12557b07c35d4ba9e7dd05aeae8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7038,"char_start":5259,"chunk_id":"chk_2a4ffa09e024ba2c","chunk_index":3,"chunk_sha256":"645a52ba6db221812ab6d70b06fe06bbee00b12557b07c35d4ba9e7dd05aeae8","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e1ff914957902b96","text_sha256":"645a52ba6db221812ab6d70b06fe06bbee00b12557b07c35d4ba9e7dd05aeae8","token_estimate":445,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/cu-v-54-release-notes-april-19-2022.pdf"]},"text":"Overvaluation Risk Message Text\n\nOvervaluation\nRisk Message\nID\n\nNew\nUndervaluation\nRisk Message\nID\n\nNew Undervaluation Risk Message Text\n\n1015\n\n1016\n\n1017\n\n1018\n\n1019\n\nCU has identified market reaction\nto Condition, Quality of\nConstruction, or Actual Age that\nmay differ from the adjustment\nrates used by the appraiser.\nEnsure that the appraiser has\nmade adjustments accurately\nreflecting market reaction to each\nof these attributes. See the CU\nAdjustments tab for details.\n\nCU has identified market reaction\nto Location that may differ from\nthe adjustment rate used by the\nappraiser. Ensure that the\nappraiser has made adjustments\naccurately reflecting market\nreaction to this attribute. See the\nCU Adjustments tab for details.\n\nCU has identified market reaction\nto 'Garage/Carport' that may\ndiffer from the adjustment rate\nused by the appraiser. Ensure\nthat the appraiser has made\nadjustments accurately reflecting\nmarket reaction to this\nattribute. See the CU Adjustments\ntab for details.\n\nCU has identified market reaction\nto 'Sales Concessions' that may\ndiffer from the adjustment rate\nused by the appraiser. Ensure\nthat the appraiser has made\nadjustments accurately reflecting\nmarket reaction to this\nattribute. See the CU Adjustments\ntab for details.\n\nCU has identified market reaction\nto 'Site' that may differ from the\nadjustment rate used by the\nappraiser. Ensure that the\nappraiser has made adjustments\naccurately reflecting market\n\n1035\n\n1036\n\n1037\n\n1038\n\n1039\n\nCU has identified market reaction to\nCondition, Quality of Construction, or Actual\nAge that may differ from the adjustment rates\nused by the appraiser. Ensure that the\nappraiser has made adjustments accurately\nreflecting market reaction to each of these\nattributes. See the CU Adjustments tab for\ndetails.\n"}
diff --git a/chunks/json/64661964d2827bb4e5b6852fcfd07540a34c4f7e792bbd1a578a108402523d93.json b/chunks/json/64661964d2827bb4e5b6852fcfd07540a34c4f7e792bbd1a578a108402523d93.json
new file mode 100644
index 0000000000000000000000000000000000000000..f794f1e920f993d206f530c7fdb88b197fc614d7
--- /dev/null
+++ b/chunks/json/64661964d2827bb4e5b6852fcfd07540a34c4f7e792bbd1a578a108402523d93.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7140,"char_start":5409,"chunk_id":"chk_28696d8b49b30d1a","chunk_index":2,"chunk_sha256":"64661964d2827bb4e5b6852fcfd07540a34c4f7e792bbd1a578a108402523d93","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9c615d2cd25ff8f","text_sha256":"64661964d2827bb4e5b6852fcfd07540a34c4f7e792bbd1a578a108402523d93","token_estimate":433,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2023.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\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/646667cb5472e6ee499667d65661f5ef17971bc056709bde644c653835211006.json b/chunks/json/646667cb5472e6ee499667d65661f5ef17971bc056709bde644c653835211006.json
new file mode 100644
index 0000000000000000000000000000000000000000..00a8cde6cab3ee2e04f5348aa24ec3165010a42b
--- /dev/null
+++ b/chunks/json/646667cb5472e6ee499667d65661f5ef17971bc056709bde644c653835211006.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12888,"char_start":11267,"chunk_id":"chk_f147202c71f43150","chunk_index":7,"chunk_sha256":"646667cb5472e6ee499667d65661f5ef17971bc056709bde644c653835211006","date_utc":"2026-01-27T17:54:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ca7d705bb5cd4823","text_sha256":"646667cb5472e6ee499667d65661f5ef17971bc056709bde644c653835211006","token_estimate":414,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Federal_Housing_Finance_Agency___LinkedIn_p6ynde.md"]},"text":"[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\n``\n - [](https://www.linkedin.com/posts/fhfa_fhfa-released-its-november-2024-foreclosure-activity-7295123787698614273-8Jvf) [![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\n11mo\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\nFHFA released its November 2024 Foreclosure Prevention and Refinance Report. The report shows that Fannie Mae and Freddie Mac (the Enterprises) completed 15,888 foreclosure prevention actions during the month, raising the total number of homeowners who have been helped to 7,080,695 since the start of conservatorships in September 2008. [https://lnkd.in/e64Mw3nf](https://lnkd.in/e64Mw3nf?trk=organization_guest_main-feed-card-text)\n"}
diff --git a/chunks/json/64774687ff050716ad5bd9b99c95a815ded553615bcbea4a9e44bae143eccbe9.json b/chunks/json/64774687ff050716ad5bd9b99c95a815ded553615bcbea4a9e44bae143eccbe9.json
new file mode 100644
index 0000000000000000000000000000000000000000..e7dd51051d2232f1df732a1b191d07569be425a7
--- /dev/null
+++ b/chunks/json/64774687ff050716ad5bd9b99c95a815ded553615bcbea4a9e44bae143eccbe9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":209552,"char_start":207917,"chunk_id":"chk_388c45a677c484da","chunk_index":117,"chunk_sha256":"64774687ff050716ad5bd9b99c95a815ded553615bcbea4a9e44bae143eccbe9","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"64774687ff050716ad5bd9b99c95a815ded553615bcbea4a9e44bae143eccbe9","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"H. Other\nFees not captured in any\nother section, including\nservices the borrower chose\nto add and/or seller-\nspecific closing costs for\npurchase transactions.\n\nUCD v2.0 Implementation Guide\n\n- 90 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nWithin this framework, the GSEs have selected a subset of fees that:\n\na. Must be associated with a specific section (Sections A and E).\n\nb. Must always be delivered (“LoanDiscountPoints” even when not part of the transaction).\n\nc. Must be delivered only once (“LoanDiscountPoints,” “RecordingFeeForDeed,” “RecordingFeeForMortgage,” and\n\n“RecordingFeeTotal”.\n\nAny other ucd:FeeItemType enumeration listed on UCD v2.0 Spec tab “9-ucd:FeeItemType Enumerations” can be\nassociated with any section (except F. Prepaids and G. Initial Escrow Payment at Closing, which are not fees and use different\ndata points).\n\nLenders are responsible for working with their Legal and Compliance divisions to ensure they are completing the CD\naccording to the Reg, and working with the software providers to confirm that data delivered in the XML file is equal or\nequivalent to the latest CD provided to the borrower.\n\n2. FEE LINE ITEMS\n\nTo update UCD v2.0 with up-to-date and missing fees, the GSEs worked with industry to expand the number of supported\nucd:FeeItemType enumerations. These are expected to support the majority of loan transactions. Lenders must provide valid\nenumerations for ucd:FeeItemType from the list provided on Tab 9-ucd:FeeItemType Enumerations.\n\nAll fee line items have the same data points and follow the same pattern, except for the following enumerations:\n"}
diff --git a/chunks/json/648085a97dfaa50102cc3f0c56b485eea928362feca4763292a2cdd415845d85.json b/chunks/json/648085a97dfaa50102cc3f0c56b485eea928362feca4763292a2cdd415845d85.json
new file mode 100644
index 0000000000000000000000000000000000000000..b9307d5b3a010c3c67e7497c1c3282141fd93ba0
--- /dev/null
+++ b/chunks/json/648085a97dfaa50102cc3f0c56b485eea928362feca4763292a2cdd415845d85.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":568494,"char_start":565962,"chunk_id":"chk_cb7d498cb591508e","chunk_index":327,"chunk_sha256":"648085a97dfaa50102cc3f0c56b485eea928362feca4763292a2cdd415845d85","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"648085a97dfaa50102cc3f0c56b485eea928362feca4763292a2cdd415845d85","token_estimate":633,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Statement 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\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\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/64910a082bf80fe0a8ff68464a3af69da399d8ea15992d6c3c8db8e1a080acb1.json b/chunks/json/64910a082bf80fe0a8ff68464a3af69da399d8ea15992d6c3c8db8e1a080acb1.json
new file mode 100644
index 0000000000000000000000000000000000000000..b283e38f26f9219a9cffe7224541a6bfd7d78650
--- /dev/null
+++ b/chunks/json/64910a082bf80fe0a8ff68464a3af69da399d8ea15992d6c3c8db8e1a080acb1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":386258,"char_start":384603,"chunk_id":"chk_8c4494155932936f","chunk_index":215,"chunk_sha256":"64910a082bf80fe0a8ff68464a3af69da399d8ea15992d6c3c8db8e1a080acb1","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"64910a082bf80fe0a8ff68464a3af69da399d8ea15992d6c3c8db8e1a080acb1","token_estimate":414,"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 155 of 166\n\nUAD 3.6 Policy\n\nLimited Cash-Out Refinance Transactions\n\nLimited cash-out refinance transactions may involve the following scenarios:\n\n• payoff of an existing personal property lien on a new manufactured home (or an existing lien on the home and a\n\nmortgage on the land if encumbered by separate liens), or\n\n• payoff of a first lien mortgage secured by an existing manufactured home and land (or existing mortgages for the\n\nhome and land if encumbered by separate liens).\n\nThe maximum LTV ratio (and CLTV ratio, if applicable) for a limited cash-out refinance transaction for a loan secured by a\nmanufactured home and land will be based on the lower of:\n\n•\n\nthe current appraised value of the manufactured home and land; or\n\n•\n\nif the manufactured home was owned by the borrower for less than 12 months on the loan application date and:\n\no\n\nif the home and land are secured by separate liens, the lowest price at which the home was previously sold\nduring that 12-month period plus the lower of the current appraised value of the land, or the lowest sales\nprice at which the land was sold during that 12-month period (if there was such a sale);\n\no\n\nif the home and land are secured by a single lien, the lowest price at which the home and land were previously\nsold during that 12-month period.\n\nProceeds of a limited cash-out refinance mortgage may be used to:\n\n• pay off the outstanding principal balance of an existing personal property lien or first lien mortgage secured by the\nmanufactured home and land (or existing liens if the home and land were encumbered by separate first liens);\n"}
diff --git a/chunks/json/649295ab8633ff0c06468a157768668e39fb1ed81f84dc06f417193af51b672a.json b/chunks/json/649295ab8633ff0c06468a157768668e39fb1ed81f84dc06f417193af51b672a.json
new file mode 100644
index 0000000000000000000000000000000000000000..082f008c458263f87ab9ae42418b521fe2a97470
--- /dev/null
+++ b/chunks/json/649295ab8633ff0c06468a157768668e39fb1ed81f84dc06f417193af51b672a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":49698,"char_start":48094,"chunk_id":"chk_dcd5f00041636124","chunk_index":28,"chunk_sha256":"649295ab8633ff0c06468a157768668e39fb1ed81f84dc06f417193af51b672a","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"649295ab8633ff0c06468a157768668e39fb1ed81f84dc06f417193af51b672a","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"Contact Name(s)\nThe name(s) of the person(s) who provided significant real property appraisal\nassistance.\nRedisplays from 04.041.\n\nAppendix F-2: Appraisal Update Report Reference Guide\n\nPage 25 of 28\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n05 Certifications and Scope of Work\n\nCert 15 (Prior Services)\n\nThe predefined text for Cert 15 varies depending on whether the appraiser has performed prior services for the\nsubject property in the past three years. If Yes, the appraiser must provide a description. Example:\n\nAppraiser Certifications: Cert 15 (Prior Services)\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n05.027 This is an\n\nAlways required\n\nYes | No\n\nDefinition / Additional Guidance\n\nAppraiser Prior Services Performed\nIndicates whether the appraiser has performed prior services for the subject\nproperty in the past three years.\n\nappraiser input\nthat does not\ndisplay\n\n05.027\n\nI have not\nperformed …\n\n05.027\n\nI have\nperformed …\n\n05.028 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\nAppendix F-2: Appraisal Update Report Reference Guide\n\nPage 26 of 28\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n05 Certifications and Scope of Work\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"}
diff --git a/chunks/json/649562d8c222bbf25e6e38383127741872bc466e02958bb8c4674b01131ebb9b.json b/chunks/json/649562d8c222bbf25e6e38383127741872bc466e02958bb8c4674b01131ebb9b.json
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index 0000000000000000000000000000000000000000..701b3fe09d5bc9086a663b88a8cd27417ba12805
--- /dev/null
+++ b/chunks/json/649562d8c222bbf25e6e38383127741872bc466e02958bb8c4674b01131ebb9b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":61519,"char_start":59385,"chunk_id":"chk_a1a425aa25a1bb47","chunk_index":32,"chunk_sha256":"649562d8c222bbf25e6e38383127741872bc466e02958bb8c4674b01131ebb9b","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"649562d8c222bbf25e6e38383127741872bc466e02958bb8c4674b01131ebb9b","token_estimate":534,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"The Enterprises collect two values of\n\nUPB, both of which correspond to the\nHMDA data field ‘‘loan amount’’:\nAcquisition UPB and origination UPB.\nHistorically, they have reported, and the\nPUDB has included, acquisition UPB.\nBecause this HMDA data element is\nrounded to the nearest $1000, and\nbecause the majority of loans acquired\nby the Enterprises are current-year\noriginations for which there is a\nnegligible amount of amortization\nbetween origination and acquisition,\nthere is no difference between the\nvalues in most cases. FHFA will\ncontinue to include acquisition UPB in\nthe PUDB.\n\nc. References to ‘‘Enterprises’’ and\nRegulatory Cites\n\nTo reflect revisions in terminology as\n\na result of the enactment of HERA,\nFHFA has changed the references to\n‘‘GSEs’’ in the PUDB matrices to\n‘‘Enterprises.’’ The PUDB is applicable\nonly to loan data submitted by the\nEnterprises, i.e., Fannie Mae and\nFreddie Mac. The PUDB is not\napplicable to loan data submitted by the\nBanks, which are also GSEs but are\nsubject to separate PUDB reporting\nrequirements. The regulatory cites in the\nPUDB matrices have also been revised,\nas the applicable regulatory provisions\nare now located in Title 12 of the Code\nof Federal Regulations.\n\n7 Section 1323(b)(2) prohibits the Director from\n\nrestricting public access to the data elements\nrequired to be reported under HMDA at the census\ntract level.\n\nFHFA had originally considered\nrequiring the reporting and public\nrelease of data fields for multifamily\nborrower and co-borrower race or\nnational origin, multifamily borrower\nand co-borrower ethnicity, multifamily\nborrower and co-borrower gender,\nmultifamily rate spread, multifamily\nHOEPA status, respondent ID and\nagency code. After considering the\nEnterprises’ comments, and upon\nfurther review of the statutory\nrequirements, as discussed in Section\nI.B. above, FHFA has determined that\nthe Enterprises are not required under\nHERA to report these data elements as\nthey do not currently collect these data.\nThe Enterprises presented additional\narguments for why they should not be\nrequired to collect and report these data,\nwhich are discussed below.\n"}
diff --git a/chunks/json/64a124ddeb7b4e1f85e050ecfb00d30ee2109d4d5561edeb2a42eec439227fea.json b/chunks/json/64a124ddeb7b4e1f85e050ecfb00d30ee2109d4d5561edeb2a42eec439227fea.json
new file mode 100644
index 0000000000000000000000000000000000000000..8cc2e4ce4db02d7af505cde73f1da4b646a2d3d5
--- /dev/null
+++ b/chunks/json/64a124ddeb7b4e1f85e050ecfb00d30ee2109d4d5561edeb2a42eec439227fea.json
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+{"chunk":{"char_end":12916,"char_start":11312,"chunk_id":"chk_7b00225594ea9bbb","chunk_index":7,"chunk_sha256":"64a124ddeb7b4e1f85e050ecfb00d30ee2109d4d5561edeb2a42eec439227fea","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_ad0b9497c249c913","text_sha256":"64a124ddeb7b4e1f85e050ecfb00d30ee2109d4d5561edeb2a42eec439227fea","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Appraisal/_.xml/2- to 4-unit_Appraisal_v1.3.xml"]},"text":"Dwelling\n\n1946\n\nfalse\n\nStandard\n\nWallsAndCeiling\n\nFlooring\n\nFullyUpdated\n\n612\n\n0\n\nfalse\n\n3\n\n1\n\n0\n\nC4\n\nQ5\n\nBasic\n\nNotUpdated\n\nUnit 1\n\nBasic\n\nKitchen\n\nNotUpdated\n\nWood\n\nExteriorWallsAndTrim\n\nPostAndPier\n\nFoundation\n\ntrue\n\nMetal\n\nTypicalWearAndTear\n\nRoof\n\nTypicalWearAndTear\n\nWindows\n\nC4\n\nQ5\n\n1\n\nBuilding 1\n\nNone\n\nDwelling\n\n1940\n\nfalse\n\nStandard\n\nWallsAndCeiling\n\nFlooring\n\nFullyUpdated\n\n676\n\n0\n\nfalse\n\n2\n\n1\n\n0\n\nC4\n\nQ5\n\nBasic\n\nNotUpdated\n\nUnit 2\n\nBasic\n\nKitchen\n\nNotUpdated\n\nWood\n\nExteriorWallsAndTrim\n\nPostAndPier\n\nFoundation\n\ntrue\n\nMetal\n\nTypicalWearAndTear\n\nRoof\n\nTypicalWearAndTear\n\nWindows\n\nC4\n\nQ5\n\n1\n\nBuilding 2\n\nNone\n\nOutbuilding\n\ntrue\n\nShed\n\nPropertyPhoto\n\n\\\\Images\\2-4_Comp2.png\n\nimage/png\n\n94\n\n210000\n\nSettledSale\n\n25.165171\n\n-51.328126\n\nOcean Vista Park\n\n0\n\nDetached\n\n2\n\ntrue\n\n2\n\nC4\n\nQ5\n\nfalse\n\nfalse\n\nFeeSimple\n\nfalse\n\nfalse\n\n1288\n\nfalse\n\nMineralRights\n\nfalse\n\nfalse\n\n2018-10-01\n\n2018-12-03\n\n200500\n\nSale\n\nUSGSLavaFlowZone\n\nZone3\n\nfalse\n\nNone\n\nResidential\n\n43560\n\nFull\n\nResidential\n\nLegal\n\n22-1713 Broad Ave\n\nSurfside\n\n12345\n\nHI\n\nAttached\n\nCarport\n\n2\n\nDriveway\n\nGravel\n\n6\n\nfalse\n\n0\n\nFinancingMethod\n\n0\n\nContractDate\n\n0\n\nSaleDate\n\n-15000\n\nSiteSize\n\n0\n\nNeighborhoodName\n\n0\n\nZoningCompliance\n\n-15000\n\nHazardZone\n\n-5000\n\nSiteInfluence\n\n0\n\nYearBuilt\n\n0\n\nGrossBuildingFinishedArea\n\n4750\n\nLivingUnitStandardFinishedAreaAboveGrade\n\nUnit 1\n\n4750\n\nLivingUnitStandardFinishedAreaAboveGrade\n\nUnit 2\n\n-20000\n\nOverallQualityRating\n\n-5000\n\nOutdoorLivingAmenity\n\n0\n\nWaterFeaturesAmenity\n\n0\n\nVehicleStorage\n\n199250\n\n50500\n\n101000\n\nWest\n\nLess\n\nfalse\n\nConventional\n\nfalse\n\n172\n\n3\n\n4.4\n\n-50500\n\nImpactResistantGlass\n"}
diff --git a/chunks/json/64a7727951537f14a610bdd6a998c6eeed3b9b3cbf4bea9bf1b347a05db41dd8.json b/chunks/json/64a7727951537f14a610bdd6a998c6eeed3b9b3cbf4bea9bf1b347a05db41dd8.json
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index 0000000000000000000000000000000000000000..b02fee3ed33c2bb585611e25a5494aef4e2f9d32
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+++ b/chunks/json/64a7727951537f14a610bdd6a998c6eeed3b9b3cbf4bea9bf1b347a05db41dd8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":32988,"char_start":31374,"chunk_id":"chk_1276bf6c0921eb0a","chunk_index":19,"chunk_sha256":"64a7727951537f14a610bdd6a998c6eeed3b9b3cbf4bea9bf1b347a05db41dd8","date_utc":"2026-01-27T18:32:50+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e76a6c2fd086fb77","text_sha256":"64a7727951537f14a610bdd6a998c6eeed3b9b3cbf4bea9bf1b347a05db41dd8","token_estimate":404,"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":"Uniform Residential Appraisal Report\n\nPage 19 of 21\nPage 19 of 21\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/64b1c9ba0303565bb1c67c0f7ad60d1b690fa62d4e51ca2ffec2e539700c8096.json b/chunks/json/64b1c9ba0303565bb1c67c0f7ad60d1b690fa62d4e51ca2ffec2e539700c8096.json
new file mode 100644
index 0000000000000000000000000000000000000000..01b8a24b82f926fac65b4ffbf76443d7cac3f754
--- /dev/null
+++ b/chunks/json/64b1c9ba0303565bb1c67c0f7ad60d1b690fa62d4e51ca2ffec2e539700c8096.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15560,"char_start":12627,"chunk_id":"chk_62db93930b6e884d","chunk_index":7,"chunk_sha256":"64b1c9ba0303565bb1c67c0f7ad60d1b690fa62d4e51ca2ffec2e539700c8096","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_044166ef44f6a6e4","text_sha256":"64b1c9ba0303565bb1c67c0f7ad60d1b690fa62d4e51ca2ffec2e539700c8096","token_estimate":844,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Update_on_the_Discontinuation_of_FHFA_s_Monthly_In_wiisek.md"]},"text":"[MIRS Public Use File Documentation](/document/mirs-data-dictionary)\n\n## MIRS Historical Summary Tables\n\n---\n\nThe following tables present historical summary data prior to 2008 containing Rates and Terms on Conventional Single-Family Non-farm Mortgage Loans. This survey is the nation's most comprehensive source of information on conventional mortgage rates and terms.\n\n**Description** **Reporting Period** **Format** Loans Closed, By Property​ Type - Table 1 Monthly 4/2018 - 4/2019 [[XLSX]](/sites/default/files/TABLE1_may2019.xlsx) Loans Closed, By Loan Type - Table 2 Monthly 4/2018 - 4/2019 [[XLSX]](/sites/default/files/TABLE2_may2019.xlsx) Loans Closed, 15- and 30- Year Fixed-Rate Mortgages - Table 4 Monthly 4/2018 - 4/2019 [[XLSX]](/sites/default/files/TABLE4_may2019.xlsx) Loans Closed, By Metropolitan Statistical Area (MSA) - Table 5 Quarterly 1Q2018 - 1Q2019 [[XLSX]](/sites/default/files/2023-09/Table5_apr2019.xlsx) Loans Closed, By FHLB District - Table 6 Quarterly 1Q2018 - 1Q2019 [[XLSX]](/sites/default/files/TABLE6_apr2019.xlsx) All Homes - Table 9 A​nnual 1963 - 2018 [[XLS]](/sites/default/files/Table9-2018-by-Year.xls) Newly Built Homes - Table 10 Annual 1963 - 2018 [[XLS]](/sites/default/files/Table10-2018-by-Year.xls) Previously Occupied Homes - Table 11 Annual 1963 - 2018 [[XLS]](/sites/default/files/Table11-2018-by-Year.xls) Fixed-Rate Mortgages - Table 12 Annual 1963 - 2018 [[XLS]](/sites/default/files/Table12-2018-by-Year.xls) By State - Table 15 Annual 1978 - 2018 [[XLS]](/sites/default/files/Table15-2018-by-State-and-Year.xls) By Metropolitan Statistical Area (MSA) - Table 16 Annual 1978 - 2018 [[XLS]](/sites/default/files/Table16-2018-by-MSA-and-Year.xls) All Homes - Table 17 Monthly 1973 - 2018 [[XLS]](/sites/default/files/Table17-2019-by-Month.xls) Newly Built Homes - Table 18 Monthly 1973 - 2018 [[XLS]](/sites/default/files/Table18-2019-by-Month.xls) Previously Occupied Homes - Table 19 Monthly 1973 - 2018 [[XLS]](/sites/default/files/Table19-2019-by-Month.xls) All Homes, Fixed-Rate Mortgages - Table 20 Monthly 1986 - 2018 [[XLS]](/sites/default/files/Table20-2019-by-Month.xls) Newly-Built Homes, Fixed-Rate Mortgages - Table 21 Monthly 1986 - 2018 [[XLS]](/sites/default/files/Table21-2019-by-Month.xls) Previously Occupied Homes, Fixed-Rate Mortgages - Table 22 Monthly 1986 - 2018 [[XLS]](/sites/default/files/Table22-2019-by-Month.xls) All Homes, Adjustable Rate Mortgages - Table 23 Monthly 1986 - 2018 [[XLS]](/sites/default/files/Table23-2019-by-Month.xls) Newly Built Homes, Adjustable Rate Mortgages - Table 24 Monthly 1986 - 2018 [[XLS]](/sites/default/files/Table24-2019-by-Month.xls) Previously Occupied Homes, Adjustable Rate Mortgages - Table 25 Monthly 1986 - 2018 [[XLS]](/sites/default/files/Table25-2019-by-Month.xls) All Homes, 15- and 30- Year Fixed-Rate Mortgages - Table 26 Monthly 1990 - 2018 [[XLS]](/sites/default/files/Table26-2019-by-Month.xls) ​​​​\n"}
diff --git a/chunks/json/64b5d2b7185bc23ca823d1b3057fb5c8f06495483c6b9f3bc961284150411f54.json b/chunks/json/64b5d2b7185bc23ca823d1b3057fb5c8f06495483c6b9f3bc961284150411f54.json
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index 0000000000000000000000000000000000000000..e22d7cd4e424c1a82553b3fb6019f1c73d8a83d9
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+++ b/chunks/json/64b5d2b7185bc23ca823d1b3057fb5c8f06495483c6b9f3bc961284150411f54.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8212,"char_start":6603,"chunk_id":"chk_0de24d9f2f288297","chunk_index":4,"chunk_sha256":"64b5d2b7185bc23ca823d1b3057fb5c8f06495483c6b9f3bc961284150411f54","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"64b5d2b7185bc23ca823d1b3057fb5c8f06495483c6b9f3bc961284150411f54","token_estimate":403,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"Description of Property Access\n\nZoning\n\nCompliance\nClassification Code\nClassification Code Description\nReasons Illegal\nImpact\nRebuildable to Current\nDensity/Use\n\nDescription of Zoning Compliance\nProperty Use\n\nPrimarily Residential\nResidential Use\nNon-Residential Use\nNon-Residential Modification\n\nDescription of Non-Residential Use/Modification\n\nSite Influence\n\nInfluence\n\nProximity\n\nDetail\n\nImpact\n\nComment\n\nSite Influence Commentary\n\nWater Frontage with Private Access\n\nTotal Linear Measurement\n\nPermanent Waterfront Feature\n\nRight to Build\n\nFrontage\n\nName\n\nWaterfront Access Rights\n\nAccess Depth\n\nWater Frontage Commentary\n\nView and Impact to Value/Marketability\n\nView\n\nRange of View\n\nImpact\n\nView Commentary\n\nSite Features and Impact to Value/Marketability\n\nDetail\n\nImpact\n\nComment\n\nFeature\nNon-Residential Property Use\n\nHazard Zone\n\nProperty Restriction\n\nEasement\n\nEncroachment\n\nSite Characteristic\n\nSite Features Commentary\n\nUtilities and Impact to Value/Marketability\n\nBroadband Internet Available\n\nPublic\n\nPrivate\n\nDetail\n\nDwelling/Improvement within\nUtility Easement\n\nPrivate Utility\nImpact\n\nComment\n\nElectricity\n\nGas\n\nSanitary Sewer\n\nWater\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\nIf more\n\nthan 1\n\nUnit--\n\ndifferent\n\nset up\n\nApparent Defects, Damages, Deficiencies (Site)\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"}
diff --git a/chunks/json/64c6813ab7a1026587e446efee9be6d70a0944118b5c7dab9453b68ba6948716.json b/chunks/json/64c6813ab7a1026587e446efee9be6d70a0944118b5c7dab9453b68ba6948716.json
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index 0000000000000000000000000000000000000000..872d469ab8b6db6a697537a4280d6b952616f23b
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+++ b/chunks/json/64c6813ab7a1026587e446efee9be6d70a0944118b5c7dab9453b68ba6948716.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3511,"char_start":1755,"chunk_id":"chk_6f8e17f8ba162b40","chunk_index":1,"chunk_sha256":"64c6813ab7a1026587e446efee9be6d70a0944118b5c7dab9453b68ba6948716","date_utc":"2026-01-27T18:02:28+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_738b4f6249ff50c1","text_sha256":"64c6813ab7a1026587e446efee9be6d70a0944118b5c7dab9453b68ba6948716","token_estimate":439,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-release-sept-27-2025.pdf"]},"text":"DU Underwriting Findings Report\n\nThe Day 1 Certainty section of the DU Underwriting Findings report will be updated with the following:\n\n▪ The section will include a new header.\n\n▪ A new row will indicate value acceptance + property data eligibility.\n\n▪ The Rep & Warrant row will be updated so it not only reflects representation and warranty relief for appraisals with a\nCU risk core of 2.5 or less but will also reflect the representation and warranty relief received on loan casefiles that\nare eligible for value acceptance, and loan casefiles eligible for value acceptance + property data when the property\ndata collection has been completed.\n\n© 2025 Fannie Mae.\n\n9.24.25\n\n1 of 4\n\nThe following illustrates a loan casefile that was eligible for value acceptance + property data and the property data collection\nhas been completed.\n\nLimited Cash-Out Refinance Transactions\n\nThe amount of cash back the borrower may receive in a limited cash-out refinance transaction will be increased from the lesser of\n2% of the unpaid balance of the new mortgage or $2,000 to the greater of 1% of the unpaid balance of the new mortgage or\n$2,000. DU will be updated to reflect these new cash back limits and will require assets to be documented for liabilities being paid\noff with the transaction that exceeds these new limits (vs. the current requirement for asset documentation for the entire amount\nof non-subject liabilities being paid off with the transaction).\n\nWhen providing information on the liabilities that will be paid off with the transaction, include any liabilities associated with the\nsubject property in section L4. Qualifying the Borrower of the loan application on Line D., and any liabilities not associated with\nthe subject property on Line E.\n"}
diff --git a/chunks/json/64d0fbdfc7e0cc8d18d021ebd08f3a094e66d41c027e294a46e628828458de43.json b/chunks/json/64d0fbdfc7e0cc8d18d021ebd08f3a094e66d41c027e294a46e628828458de43.json
new file mode 100644
index 0000000000000000000000000000000000000000..fb9d1226c617d6a94048575c3d3d0c8f8e61dfab
--- /dev/null
+++ b/chunks/json/64d0fbdfc7e0cc8d18d021ebd08f3a094e66d41c027e294a46e628828458de43.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":419075,"char_start":417457,"chunk_id":"chk_c522aacc66301556","chunk_index":245,"chunk_sha256":"64d0fbdfc7e0cc8d18d021ebd08f3a094e66d41c027e294a46e628828458de43","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"64d0fbdfc7e0cc8d18d021ebd08f3a094e66d41c027e294a46e628828458de43","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"4000\n\nString\n\nThis field should contain a description of the zoning classification of the subject\nproperty.\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nAt least one instance of this field is\nrequired, the second instance is\noptional.\n\nR\n\nR\n\nR\n\nThis field is required if the value of\nfield e-6 (GSE View Type) is ‘Other’.\n\nCR\n\nCR\n\nCR\n\nThis field should be populated if field 1-\n96 (Site Zoning Compliance Type =\n'NoZoning') is not indicated\n\nThis field should be populated if field 1-\n96 (Site Zoning Compliance Type =\n'NoZoning') is not 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 87 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\n98\n\n99\n\n1\n\n1\n\n92\n\n93\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nPROJECT SITE\n\nZoning Compliance\nLegal\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='Le\ngal']\n\nPROJECT SITE\n\nZoning Compliance\nLegal Nonconforming\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\nnconforming']\n\nData Point Field\nLength\n\nFormat\n\n13\n\n13\n\nEnumerated\n\nEnumerated\n\n100\n\n1\n\n94\n\nPROJECT SITE\n\nDo the zoning regulations\npermit rebuilding to current\ndensity?\nYes\n\nSite Zoning Permit\nRebuild To\nCurrent Density\nIndicator\n"}
diff --git a/chunks/json/64df44083865c2c43317f506eda5c7691e33f235d40331407687ebe31b2e35d1.json b/chunks/json/64df44083865c2c43317f506eda5c7691e33f235d40331407687ebe31b2e35d1.json
new file mode 100644
index 0000000000000000000000000000000000000000..986896e826c016badfeec2a600a5a402f8ed2863
--- /dev/null
+++ b/chunks/json/64df44083865c2c43317f506eda5c7691e33f235d40331407687ebe31b2e35d1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":107088,"char_start":105485,"chunk_id":"chk_6d4557824d8350a1","chunk_index":42,"chunk_sha256":"64df44083865c2c43317f506eda5c7691e33f235d40331407687ebe31b2e35d1","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"64df44083865c2c43317f506eda5c7691e33f235d40331407687ebe31b2e35d1","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Anytown, ST 12345\n\n VA  _________________\n\nAnytown, ST 12345\n\n2.3*Lender\n\nFicus Bank\n\n3.5 Loan ID #\n\n123456789\n\n1.7 Sale Price\n\n$240,000\n\n3.6 MIC #\n\n000654321\n\nFigure 11. Relationship between Purpose and 1.7 Form Field Label\n\na. REAL PROPERTY ONLY OR REAL AND PERSONAL PROPERTY NOT I TEMIZED\n\nThe disclosed Sale Price is as recorded on the sales contract. Use the data points shown in Table 15 for the\nfollowing cases:\n\na. Only real property is included in the sale; or\n\nb. Both real and personal property are included in the sale, but the sales contract does not itemize each\n\ntype of property separately.\n\nAppendix E: UCD Implementation Guide\n\nPage 36 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n1.0 Closing Information\n\nTable 15. Sale Price – Real Property Only or Real and Personal Property Not Itemized\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\n1.7\n\nSale Price\n\n…/SUBJECT_PROPER\nTY/SALES_CONTRACT\nS/SALES_CONTRACT/\nSALES_CONTRACT_D\nETAIL\n\nSalesContractAmoun\nt\n\n240000.00\n\nFormatting for form\nrequired\n\n1.7\n\nN/A\n\nPersonalPropertyIncl\nudedIndicator\n\nfalse\n\nNot shown -\nIndicates need for\napplicable data\npoint(s)\n\nb. SALE PRI CE – REAL AND PERSONAL PROPERTY I TEMIZED SEPARATELY\n\nUse the data points shown in Table 16 when both real and personal property are included in the sale and the\nsales contract itemizes each type of property separately.\n\nTable 16. Sale Price - Real and Personal Property Itemized Separately\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\n1.7\n"}
diff --git a/chunks/json/64e55bef3dfee5cc0f5cbf308f51fbce75afc401873cb61d1c514d2c753d6dd2.json b/chunks/json/64e55bef3dfee5cc0f5cbf308f51fbce75afc401873cb61d1c514d2c753d6dd2.json
new file mode 100644
index 0000000000000000000000000000000000000000..a829aaeb130a2881fad6b25f6928a8fc8568de45
--- /dev/null
+++ b/chunks/json/64e55bef3dfee5cc0f5cbf308f51fbce75afc401873cb61d1c514d2c753d6dd2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1733,"char_start":0,"chunk_id":"chk_08371a66e5932139","chunk_index":0,"chunk_sha256":"64e55bef3dfee5cc0f5cbf308f51fbce75afc401873cb61d1c514d2c753d6dd2","date_utc":"2026-01-27T17:54:26+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_eafdf154384642bb","text_sha256":"64e55bef3dfee5cc0f5cbf308f51fbce75afc401873cb61d1c514d2c753d6dd2","token_estimate":529,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Deemed_Issuance_Ratio___FHFA_vceirf.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/policy/deemed-issuance-ratio\"\ndate_accessed: \"2026-01-27T17:54:20.428Z\"\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/64f335d761c43bbd78524dc31e2ea9e02f561221f240c0686d93fd2b881eec67.json b/chunks/json/64f335d761c43bbd78524dc31e2ea9e02f561221f240c0686d93fd2b881eec67.json
new file mode 100644
index 0000000000000000000000000000000000000000..eefdc171a52a714a8868a8f0d9d048731fbfbca0
--- /dev/null
+++ b/chunks/json/64f335d761c43bbd78524dc31e2ea9e02f561221f240c0686d93fd2b881eec67.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7973,"char_start":6752,"chunk_id":"chk_32b1f4137859c087","chunk_index":4,"chunk_sha256":"64f335d761c43bbd78524dc31e2ea9e02f561221f240c0686d93fd2b881eec67","date_utc":"2026-01-27T18:02:28+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_738b4f6249ff50c1","text_sha256":"64f335d761c43bbd78524dc31e2ea9e02f561221f240c0686d93fd2b881eec67","token_estimate":305,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-release-sept-27-2025.pdf"]},"text":"Lenders will now be able to provide “Timeshare” and “Chattel” in the Other Description field and DU will also not include those\nproperties when applying the multiple financed properties guidelines.\n\nCooperative Properties\n\nThe messages issued on cooperative properties will be simplified. As the project review message requires a review of the\ncooperative project in accordance with the Fannie Mae Selling Guide to determine that the project meets Fannie Mae's eligibility\nand underwriting requirements, other duplicative messages will be retired.\n\nHousing Counseling Agency ID\n\nThe Housing Counseling Agency ID field validation will be updated to ensure only five digits are provided.\n\n© 2025 Fannie Mae.\n\n9.24.25\n\n3 of 4\n\nMiscellaneous Message Text Changes\n\nTo continue to provide clarity and consistency with the Selling Guide, various messages will be updated.\n\nFor More Information\n\nFor more information about these Release Notes, lenders may contact their Single-Family Market Engagement Team, and\nmortgage brokers should contact their DO sponsoring wholesale lender. For technology considerations, an Integration Impact\nMemo will be posted on the Technology Integration page.\n\n© 2025 Fannie Mae.\n\n9.24.25\n\n4 of 4\n"}
diff --git a/chunks/json/64fd12d2bc341a35f01239dbc1061ac775eabe395d21f21a88afe2f04bc1bb18.json b/chunks/json/64fd12d2bc341a35f01239dbc1061ac775eabe395d21f21a88afe2f04bc1bb18.json
new file mode 100644
index 0000000000000000000000000000000000000000..cb89b7823a786a217868e46a1428e487a94531a5
--- /dev/null
+++ b/chunks/json/64fd12d2bc341a35f01239dbc1061ac775eabe395d21f21a88afe2f04bc1bb18.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":710554,"char_start":708925,"chunk_id":"chk_f657f42d8203194b","chunk_index":423,"chunk_sha256":"64fd12d2bc341a35f01239dbc1061ac775eabe395d21f21a88afe2f04bc1bb18","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"64fd12d2bc341a35f01239dbc1061ac775eabe395d21f21a88afe2f04bc1bb18","token_estimate":407,"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 318 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n25 Cost Approach\n\nInformation for each Land Comparable\n\nThe Land Comparables table displays if Primary Site Valuation Method is Sales Comparison, and the “When to\nInclude” column in this table reflects this.\n\nReport\nField ID\n\n25.042 #\n\n25.043 Address\n\n25.043 Address\n\n25.044 County\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nCost Approach - Land Comparables\n\nRequired for each land\ncomparable\n\nIf available for each\nland comparable\n\nRequired for each land\ncomparable\n\nRequired for each land\ncomparable\n\n1, 2, 3 …\n\nLand Comparable #\n\nFree-form\n\nLand Comparable Street Address\nIf the street address is unavailable or has not yet been assigned, provide any\ninformation necessary to identify the property.\n\nFree-form\n\nLand Comparable City, State, ZIP Code\n\nFree-form\n\nName of the county or parish as defined by the state.\n\nNote: If the land comparable is not located in any county (e.g., located in an\nindependent city), enter the name of the local municipality or district in which\nthe property is located.\n\n25.045 Data Source\n\nRequired for each land\ncomparable\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nAssessor Record\nBuilder or Developer\nData Aggregator\nExterior Inspection\nHomeowners Association\nLand Survey\nLender\n\nLand Comparable Data Source\n•\n•\n•\n•\n•\n•\n•\n• MLS\n•\n•\n•\n•\n•\n\nPrevious Appraisal File\nProperty Owner\nReal Estate Agent\nZoning\nOther (Describe)\n"}
diff --git a/chunks/json/650225ca2ff749c2270e91c3963b510b3442a3f933a189b796002d331b90b8c1.json b/chunks/json/650225ca2ff749c2270e91c3963b510b3442a3f933a189b796002d331b90b8c1.json
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index 0000000000000000000000000000000000000000..5aaedbbe0bdb3999615c66dbc57f4fdf932c7e10
--- /dev/null
+++ b/chunks/json/650225ca2ff749c2270e91c3963b510b3442a3f933a189b796002d331b90b8c1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1714,"char_start":0,"chunk_id":"chk_a11814aa881e44f8","chunk_index":0,"chunk_sha256":"650225ca2ff749c2270e91c3963b510b3442a3f933a189b796002d331b90b8c1","date_utc":"2026-01-27T17:54:32+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_5d54700944f6ee59","text_sha256":"650225ca2ff749c2270e91c3963b510b3442a3f933a189b796002d331b90b8c1","token_estimate":525,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/National_Mortgage_Database__NMDB___Aggregate_Stati_rzxyfr.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/nmdb\"\ndate_accessed: \"2026-01-27T17:54:20.636Z\"\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/650f4305fce327dc1b571be2b7e3bcc79bda51f9925ed1f3b0fa7ae4a9a9a02d.json b/chunks/json/650f4305fce327dc1b571be2b7e3bcc79bda51f9925ed1f3b0fa7ae4a9a9a02d.json
new file mode 100644
index 0000000000000000000000000000000000000000..fc4e72af752da1bdf41a30e268e46c52701f90ee
--- /dev/null
+++ b/chunks/json/650f4305fce327dc1b571be2b7e3bcc79bda51f9925ed1f3b0fa7ae4a9a9a02d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6482,"char_start":4876,"chunk_id":"chk_df6fe23ab11b5bff","chunk_index":3,"chunk_sha256":"650f4305fce327dc1b571be2b7e3bcc79bda51f9925ed1f3b0fa7ae4a9a9a02d","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_6a2eba25bc68c7d2","text_sha256":"650f4305fce327dc1b571be2b7e3bcc79bda51f9925ed1f3b0fa7ae4a9a9a02d","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":"24\n\nDetached, 1 story, manufactured, modular, and site built dwellings with no basements located within Market Boundaries and sold from 6/1/21 - 3/1/22.\n\n15\n\n400000\n\n89000\n\n120\n\n265000\n\nActiveListings\n\n1\n\nPendingSales\n\n27\n\n375000\n\n159000\n\n250000\n\nTotalSales\n\nThreeToSixMonths\n\nInBalance\n\nfalse\n\nMarket data reflects the manufactured and modular home market in the subject's area. The data indicates 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 Bear 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 prior to the effective date of the appraisal and are included in the data reported above.\n\nMagic Hill\n\nSection 23 Township 3S Range 3E Tax Lot 00700 and 00700B\n\n14000\n\nLandWithDwelling\n\nAssessorUnformattedIdentifier\n\nERW 14885329 - 23\n\nAlternativePropertyIdentifier\n\nUS-51107-N-91845-R-N\n\nRESO\n\n120\n\nPavers\n\nPatio\n\n120\n\ntrue\n\nComposite\n\nPorch\n\nOutdoorLiving\n\n0\n\nDetached\n\n1\n\ntrue\n\n1\n\nfalse\n\nfalse\n\nC2\n\nQ3\n\ntrue\n\ntrue\n\nFeeSimple\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\nTraditionalAppraisal\n\ntrue\n\nfalse\n\n2019-06-16\n\n38500\n\nSale\n\nLandSale\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\nTopography\n\nNeutral\n\nFlat\n\nThe subject is located within 1/2 mile of a regional park with a lake, hiking and horse back riding trails, playgrounds, and picnic areas.\n\nOffsite\n\nPark\n\nBeneficial\n\nBordering\n\nResidential\n\nNeutral\n\n14000\n\n1\n\nPublic\n\nElectricity\n\nPublic\n\nGas\n\nPublic\n\nSanitarySewer\n"}
diff --git a/chunks/json/65198110beea811481b050e289578b2289330a0cd1de16124a4f4e61b9839ef2.json b/chunks/json/65198110beea811481b050e289578b2289330a0cd1de16124a4f4e61b9839ef2.json
new file mode 100644
index 0000000000000000000000000000000000000000..a972d8e214c19f5c200eccf82cbf3b6ee1952d7c
--- /dev/null
+++ b/chunks/json/65198110beea811481b050e289578b2289330a0cd1de16124a4f4e61b9839ef2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":640628,"char_start":638808,"chunk_id":"chk_9187f66e7fdc3a0d","chunk_index":368,"chunk_sha256":"65198110beea811481b050e289578b2289330a0cd1de16124a4f4e61b9839ef2","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"65198110beea811481b050e289578b2289330a0cd1de16124a4f4e61b9839ef2","token_estimate":455,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"2. I performed this assignment without bias with respect to the parties involved in this transaction, the subject property, or the demographics\nof 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 conclusions on the actual or perceived race, color, religion, sex (including sexual orientation or gender\nidentity), age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the\npresent or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other\nbasis prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.\n\n5. I stated my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to the assumptions and\nlimiting conditions herein.\n\n6. I certify that I did perform a personal inspection of the subject property to determine if the conditions or requirements stated in the original\nappraisal have been satisfied.\n\n7. 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/65443dd2840b14083b3202cf4c5b4425d7fff66fbae862cda2c1156525a9303b.json b/chunks/json/65443dd2840b14083b3202cf4c5b4425d7fff66fbae862cda2c1156525a9303b.json
new file mode 100644
index 0000000000000000000000000000000000000000..685630b4a8b42361c2c94c208373e5c6ead01681
--- /dev/null
+++ b/chunks/json/65443dd2840b14083b3202cf4c5b4425d7fff66fbae862cda2c1156525a9303b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":713823,"char_start":712192,"chunk_id":"chk_ea5b542638c0e3c0","chunk_index":425,"chunk_sha256":"65443dd2840b14083b3202cf4c5b4425d7fff66fbae862cda2c1156525a9303b","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"65443dd2840b14083b3202cf4c5b4425d7fff66fbae862cda2c1156525a9303b","token_estimate":408,"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\nAllowable\nAnswers / Format\n\n25.050 Reconciliation of\n\nAlways required\n\nFree-form\n\nSite Value\n\nN/A\n\nSee\niGuide\n\nIf relevant\n\nImage\n\nDefinition / Additional Guidance\n\nCommentary should include information pertinent to the Opinion of Site Value\nthat is not captured in the discrete data, or additional details to support the\ndiscrete data that is provided, including access, utilities, zoning, views, or site\ninfluences of the land comparables in relation to the subject.\n\nMap of Land Comparables\nA map of the subject and land comparables should be included, which displays\nin Cost Approach Exhibits with the caption “Map of Land Comparables”. An\nadditional caption may be provided to further identify the image.\n\nReference published guidelines by the GSEs, government agencies, or other\nidentified secondary market participants for specific guidance.\n\nGeneral Description\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n25.051 Cost Type\n\nAlways required\n\n25.052 Cost Data Source Always required\n\nCost Approach – General Description\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nThe method by which all buildings in the Cost Approach section would be\nreconstructed.\n•\n•\n\nReplacement\nReproduction\n\nCost Data Source: The primary source that the appraiser cited for cost data in\nthe Cost Approach section.\n•\nBuilder or Developer\n•\nCost Service (Displays Cost Service Provider instead)\n•\nCost Survey\n•\nOther (Describe)\n"}
diff --git a/chunks/json/654f2733bdc1a4b8d302c7005fbd3d2544798d6930fc9a97202f90491b66a565.json b/chunks/json/654f2733bdc1a4b8d302c7005fbd3d2544798d6930fc9a97202f90491b66a565.json
new file mode 100644
index 0000000000000000000000000000000000000000..cd190ab34df0152c4c7e34689a686d3c3ed12982
--- /dev/null
+++ b/chunks/json/654f2733bdc1a4b8d302c7005fbd3d2544798d6930fc9a97202f90491b66a565.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":565,"char_start":0,"chunk_id":"chk_7cbfa93dbf5dab99","chunk_index":0,"chunk_sha256":"654f2733bdc1a4b8d302c7005fbd3d2544798d6930fc9a97202f90491b66a565","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_24bfb075ab326adf","text_sha256":"654f2733bdc1a4b8d302c7005fbd3d2544798d6930fc9a97202f90491b66a565","token_estimate":141,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/pe-whole-loan-integration-impact-memo-may-1-2023.pdf","below_target_min_tokens"]},"text":"30-Year Fixed Rate – 275K Max Loan Amount product grid\ncoming to PE – Whole Loan\n\nIntegration Impact Memo\n\nMay 1, 2023\n\nOn May 8 a new 30-Year Fixed Rate – 275K Max Loan Amount product grid will be available in Pricing & Execution – Whole\nLoan® (PE – Whole Loan®).\n\n• 30-Year Fixed Rate - 275k Max Loan Amount (product code: 222032)\n\nThe product mapping guide has been updated. This new product grid is available in our test environment.\n\nQuestions? Please email the PE - Whole Loan Integrations Team.\n\nFannie Mae Confidential\n\n© 2023 Fannie Mae 5.5.23 Page 1 of 1\n"}
diff --git a/chunks/json/654fb0ea074887810733eb58faa83ac59ac9c4df4b2d2595014f9f223f77a151.json b/chunks/json/654fb0ea074887810733eb58faa83ac59ac9c4df4b2d2595014f9f223f77a151.json
new file mode 100644
index 0000000000000000000000000000000000000000..1c220ded27c944fb48a98cbe764e41a8f16b460e
--- /dev/null
+++ b/chunks/json/654fb0ea074887810733eb58faa83ac59ac9c4df4b2d2595014f9f223f77a151.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":307887,"char_start":306268,"chunk_id":"chk_da0f6a5f3fda2ad3","chunk_index":180,"chunk_sha256":"654fb0ea074887810733eb58faa83ac59ac9c4df4b2d2595014f9f223f77a151","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"654fb0ea074887810733eb58faa83ac59ac9c4df4b2d2595014f9f223f77a151","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field may not exist in all forms vendor\nsoftware.\n\n50\n\n50\n\n50\n\n50\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/@_AdditionalDescription\n\n12,000\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\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nR\n\nR\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\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 70 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\nNo more than one of fields 3-7, 3-8 (values of\nCost Analysis Type) may be indicated.\n\nNo more than one of fields 3-7, 3-8 (values of\nCost Analysis Type) may be indicated.\n\n403\n\n404\n\n405\n\n406\n\n407\n\n3\n\n3\n\n3\n\n3\n\n3\n\n6\n\n7\n\n8\n\n9\n\nCOST APPROACH\n\nSupport for the Opinion\nof Site Value\n\nSite Estimated Value\nComment\n\nCOST APPROACH Reproduction Cost\n\nCost Analysis Type\n\nCOST APPROACH Replacement Cost\n\nCost Analysis Type\n\nA free-form text field used to further\ndescribe the estimated value provided\nin Site Estimated Value Amount.\nSpecifies the type cost analysis\nperformed. (e.g. whether it was for\nReplacement Costs or Reproduction\nCosts)\nSpecifies the type cost analysis\nperformed. (e.g. whether it was for\nReplacement Costs or Reproduction\nCosts)\n\nCOST APPROACH Source of Cost Data\n\nData Source\nDescription\n"}
diff --git a/chunks/json/6555b84f02a72f85e0306ba92273c9be013bab490df80648e49a0428f2a3353d.json b/chunks/json/6555b84f02a72f85e0306ba92273c9be013bab490df80648e49a0428f2a3353d.json
new file mode 100644
index 0000000000000000000000000000000000000000..64d5386de1559449363508d98f3e962cbc9fa922
--- /dev/null
+++ b/chunks/json/6555b84f02a72f85e0306ba92273c9be013bab490df80648e49a0428f2a3353d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8315,"char_start":6657,"chunk_id":"chk_38102fa3c04237b0","chunk_index":4,"chunk_sha256":"6555b84f02a72f85e0306ba92273c9be013bab490df80648e49a0428f2a3353d","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_103fc496217d2c5f","text_sha256":"6555b84f02a72f85e0306ba92273c9be013bab490df80648e49a0428f2a3353d","token_estimate":410,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Desktop_465D.pdf"]},"text":"Individual AC Bath Wainscot\n\nDoors\n\nFinished area above grade contains:\nAre the heating and cooling for the individual units separately metered?\n\nRooms\n\nBedrooms\n Yes\n\nFireplace(s) #\n Woodstove(s) #\n Deck/Patio\n Porch/Balcony\n Other\n\nRefrigerator\n Range/Oven\n Disp\n Dishwasher\n Washer/Dryer\n\nMicrowave\n\nAssigned\nParking Space #\nSquare Feet of Gross Living Area Above Grade\n No If No, describe and comment on compatibility to other projects in the market area.\n\nOwned\n\nBath(s)\n\nNone\n Garage\n\n# of Cars\n\nCovered\n\nOpen\n\nAdditional features (special energy efficient items, etc.)\n\nDescribe the condition of the property (including needed repairs, deterioration, renovations, remodeling, etc.).\n\nAre there any physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property?\n\nYes\n\nNo If Yes, describe\n\nDoes the property generally conform to the neighborhood (functional utility, style, condition, use, construction, etc.)?\n\nYes\n\nNo If No, describe\n\nI\n\ndid\n\ndid not research the sale or transfer history of the subject property and comparable sales. If not, explain\n\ndid\n\ndid not reveal any prior sales or transfers of the subject property for the three years prior to the effective date of this appraisal.\n\nMy research\nData source(s)\nMy research\nData source(s)\nReport the results of the research and analysis of the prior sale or transfer history of the subject property and comparable sales (report additional prior sales on page 3).\nCOMPARABLE SALE # 3\n\ndid not reveal any prior sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale.\n"}
diff --git a/chunks/json/65583676474ed0653d3a423518d95f86e690d75ad57be314b73a9928c4d78607.json b/chunks/json/65583676474ed0653d3a423518d95f86e690d75ad57be314b73a9928c4d78607.json
new file mode 100644
index 0000000000000000000000000000000000000000..5abcbfe3a0603a05e8eec283a1a63ed02f66ee74
--- /dev/null
+++ b/chunks/json/65583676474ed0653d3a423518d95f86e690d75ad57be314b73a9928c4d78607.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":29311,"char_start":27615,"chunk_id":"chk_7306db574eba3495","chunk_index":17,"chunk_sha256":"65583676474ed0653d3a423518d95f86e690d75ad57be314b73a9928c4d78607","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"65583676474ed0653d3a423518d95f86e690d75ad57be314b73a9928c4d78607","token_estimate":424,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Page 14 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\nI did/did not analyze the contract for sale\nfor the subject purchase transaction.\nThe appraiser must indicate whether analysis\nwas performed on the contract for sale.\n\nReporting Format:\nI did/did not analyze the contract for sale for\nthe subject purchase transaction. – Checkbox\ndesignated with an ‘x’\n\nThe appraiser must also indicate the type of\nsale for this transaction from the list of\navailable choices. The appraiser must start at\nthe top of the list and select the first sale type\nthat applies. Only one selection is permitted.\nThe valid sale types are as follows:\n\nSALE TYPE\n\nREO sale\n\nShort sale\n\nCourt Ordered sale\n\nEstate sale\n\nRelocation sale\n\nNon-arm’s length sale\n\nArm’s length sale\n\nAfter selecting a valid sale type, enter an\nexplanation of the results of the analysis of\nthe contract or why the analysis was not\nperformed. The appraiser may report any\nother relevant information regarding the sale\ntype, including whether more than one sale\ntype applies, in this field or elsewhere in the\nappraisal report.\n\nReporting Format:\nSale Type – Appraiser must select one value\nfrom the specified list Description of Analysis –\nText\nThe PDF creator will automatically insert a\nsemicolon to separate the data values.\n"}
diff --git a/chunks/json/65772188ed4f2f269ad927f15303cbefe2c362d9f2b4c2a13f12283faa77bb0c.json b/chunks/json/65772188ed4f2f269ad927f15303cbefe2c362d9f2b4c2a13f12283faa77bb0c.json
new file mode 100644
index 0000000000000000000000000000000000000000..8b353c51b828ff7d5db80f92fe0dac79f63e4798
--- /dev/null
+++ b/chunks/json/65772188ed4f2f269ad927f15303cbefe2c362d9f2b4c2a13f12283faa77bb0c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":114173,"char_start":112306,"chunk_id":"chk_52d29af3e544ae00","chunk_index":66,"chunk_sha256":"65772188ed4f2f269ad927f15303cbefe2c362d9f2b4c2a13f12283faa77bb0c","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"65772188ed4f2f269ad927f15303cbefe2c362d9f2b4c2a13f12283faa77bb0c","token_estimate":467,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Q3\nDwellings with this quality rating are residences of higher quality built from individual or readily\navailable designer plans in above-standard residential tract developments or on an individual property\nowner’s site. The design includes significant exterior ornamentation and interiors that are well finished.\nThe workmanship exceeds acceptable standards and many materials and finishes throughout the dwelling\nhave been upgraded from “stock” standards.\n\nQ4\nDwellings with this quality rating meet or exceed the requirements of applicable building codes. Standard\nor modified standard building plans are utilized and the design includes adequate fenestration and some\nexterior ornamentation and interior refinements. Materials, workmanship, finish, and equipment are of\nstock or builder grade and may feature some upgrades.\n\nQ5\nDwellings with this quality rating feature economy of construction and basic functionality as main\nconsiderations. Such dwellings feature a plain design using readily available or basic floor plans featuring\nminimal fenestration and basic finishes with minimal exterior ornamentation and limited interior detail.\nThese dwellings meet minimum building codes and are constructed with inexpensive, stock materials with\nlimited refinements and upgrades.\n\nQ6\nDwellings with this quality rating are of basic quality and lower cost; some may not be suitable for year-\nround occupancy. Such dwellings are often built with simple plans or without plans, often utilizing the\nlowest quality building materials. Such dwellings are often built or expanded by persons who are\nprofessionally unskilled or possess only minimal construction skills. Electrical, plumbing, and other\nmechanical systems and equipment may be minimal or non-existent. Older dwellings may feature one or\nmore substandard or non-conforming additions to the original structure.\n"}
diff --git a/chunks/json/657ae5c9a6681baf2389bdcb520dc8930f235211d34c0799fd143c392845896c.json b/chunks/json/657ae5c9a6681baf2389bdcb520dc8930f235211d34c0799fd143c392845896c.json
new file mode 100644
index 0000000000000000000000000000000000000000..aa7ce8ae3dd0ecdeacf9db2982ff4d87035af285
--- /dev/null
+++ b/chunks/json/657ae5c9a6681baf2389bdcb520dc8930f235211d34c0799fd143c392845896c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":73508,"char_start":73017,"chunk_id":"chk_5faad023fd2ef5e4","chunk_index":119,"chunk_sha256":"657ae5c9a6681baf2389bdcb520dc8930f235211d34c0799fd143c392845896c","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"657ae5c9a6681baf2389bdcb520dc8930f235211d34c0799fd143c392845896c","token_estimate":445,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"29 Certifications and Scope of Work .................................................................................................................................................................................................... 362\n\nOverview ................................................................................................................................................................................................................................................ 362\n"}
diff --git a/chunks/json/6594ca66ab6ada6ff529154f96cc882eed3e2021774b4eea86e25c2da9e9c455.json b/chunks/json/6594ca66ab6ada6ff529154f96cc882eed3e2021774b4eea86e25c2da9e9c455.json
new file mode 100644
index 0000000000000000000000000000000000000000..2a1d706e973ef68252fa3d7870d60ea05875dce7
--- /dev/null
+++ b/chunks/json/6594ca66ab6ada6ff529154f96cc882eed3e2021774b4eea86e25c2da9e9c455.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":88103,"char_start":86499,"chunk_id":"chk_15698392fcc5068f","chunk_index":48,"chunk_sha256":"6594ca66ab6ada6ff529154f96cc882eed3e2021774b4eea86e25c2da9e9c455","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"6594ca66ab6ada6ff529154f96cc882eed3e2021774b4eea86e25c2da9e9c455","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Depending on the business condition triggering the requirement for the LOAN\ncontainer in a particular loan state, the GSEs have developed the following usage\nrequirements. These are summarized in Table IV-7, below, and described in more\ndetail in the following sections.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 36 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nTable IV-7. Summary of LOAN Container Delivery Requirements by LoanRoleType and LoanStateType Values.\n\nID\n\nCondition\n\nLoanRoleType\n\nLoanStateType\n\nLoanStateDate\n\nConditions\n\nAtClosing\n\nNoteDate\n\nStandard delivery\n\ni\n\nNon-Modified\nLoans\n\nSubjectLoan\n\nii\n\nModified Loans\n\nSubjectLoan\n\nCurrent\n\nAtClosing (Subset for\nmodified loans)\n\nAtModification\n\nCurrent\n\nDate data retrieved\nfrom submitter’s\nsystem\n\nRequired for every loan\n\nNoteDate\n\nLoan has been modified\n\nLoanModificationEffect\niveDate\n\nDate data retrieved\nfrom submitter’s\nsystem\n\nLoan has been modified\n\nRequired for every loan\n\nConvertible loan that has\nnot been modified\n\nAtClosing\n\nNoteDate\n\niii\n\nConverted\nLoans\n\nSubjectLoan\n\nAtConversion\n\nLatestConversionEffec\ntiveDate\n\nConversion option has\nbeen exercised\n\nCurrent\n\nDate data retrieved\nfrom submitter’s\nsystem\n\nAtClosing\n\nNoteDate\n\nSubjectLoan\n\nAtReset\n\nBalloonResetDate\n\nCurrent\n\nDate data retrieved\nfrom submitter’s\nsystem\n\nRequired for every loan\n\nBalloon Reset Loan that\nhas not been modified\n\nBalloon reset option has\nbeen exercised\n\nRequired for every loan\n\nRelatedLoan\n\nAtClosing\n\nRelatedLoan\n"}
diff --git a/chunks/json/659998c91727a46cc97c15ab3753f8f3587805e3cd81c9b2da351909ec085cfa.json b/chunks/json/659998c91727a46cc97c15ab3753f8f3587805e3cd81c9b2da351909ec085cfa.json
new file mode 100644
index 0000000000000000000000000000000000000000..20e751fc1f9710a3b1983282f003bb24cff9b1ff
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+++ b/chunks/json/659998c91727a46cc97c15ab3753f8f3587805e3cd81c9b2da351909ec085cfa.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":242202,"char_start":240425,"chunk_id":"chk_5a3e13770a01f7fe","chunk_index":222,"chunk_sha256":"659998c91727a46cc97c15ab3753f8f3587805e3cd81c9b2da351909ec085cfa","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"659998c91727a46cc97c15ab3753f8f3587805e3cd81c9b2da351909ec085cfa","token_estimate":444,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Invoice(s) Appear\nReasonable\n\n0500.0013\n\nManufacturedHomeInvoiceReasonableIndica\ntor\n\nCommentary on Why\nInvoice(s) Not\nReasonable\n\n0500.0012\n\nManufacturedHomeInvoiceNotReasonableDe\nscription\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nNA\n\nNA\n\nNA\n\nDisplay when\nManufacturedHomeFinancingProgramEligibilit\nyType Exists\n\nSubsection displays when\nNewConstructionIndicator = \"true\"\n\nDisplay when NewConstructionIndicator =\n\"true\"\n Display when\nManufacturedHomePurchasedFromRetailerIn\ndicator = “true”\n Display when\nManufacturedHomePurchasedFromRetailerIn\ndicator = “true”\nDisplay when NewConstructionIndicator =\n\"true\"\nDisplay when\n(ManufacturedHomeRetailerInvoiceReviewed\nIndicator = \"true\" OR\nManufacturedHomeInvoiceReviewedIndicator\n= \"true\")\nDisplay when\nManufacturedHomeInvoiceReasonableIndicat\nor = \"false\"\n\nNA\n\nNA\n\nNA\n\nNA\n\nNA\n\nNA\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nManufactured Home\nCommentary\n9.026\n\n0500.0042 ManufacturedHomeValuationCommentText Display when Exists.\n\nDisplay when Exists.\n\nPage 174\n\nManufactured Home\n\nDisplay Rules\n\nDwelling\n\nOutbuilding/ADU\n\nDisplay when ImprovementType (UID:\n0300.0009) = “Dwelling” and\nConstructionMethodType (UID: 0300.0034)\n= “Manufactured”\n\nDisplay when (ImprovementType (UID:\n0300.0009) = \"Outbuilding\" AND\nOutbuildingType (UID: 0300.0025) =\n\"ManufacturedHome\" AND\nLivingUnitCount (UID: 0300.0063) > 0)\n\nDo not display subsection when no comment is provided.\n\n<MANUFACTURED_HOME_FINANCING_PROGRAMS>\n <MANUFACTURED_HOME_FINANCING_PROGRAM>\n\nFigure 9 - 1\n\n<ManufacturedHomeFinancingProgramEligibilityIdentifier>SAB032252MLAX</ManufacturedHomeFinancingProgramEligibilityIdentifier>\n<ManufacturedHomeFinancingProgramEligibilityType>FannieMaeMHAdvantage</ManufacturedHomeFinancingProgramEligibilityType>\n"}
diff --git a/chunks/json/659b0fade5583c38e85be594a4ea8e3f4401447e3916b04298ba96dfcb46602a.json b/chunks/json/659b0fade5583c38e85be594a4ea8e3f4401447e3916b04298ba96dfcb46602a.json
new file mode 100644
index 0000000000000000000000000000000000000000..b89177b285a28ae2fb7b736b5eafd80542dbe349
--- /dev/null
+++ b/chunks/json/659b0fade5583c38e85be594a4ea8e3f4401447e3916b04298ba96dfcb46602a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10572,"char_start":8967,"chunk_id":"chk_84546c0e9db464c8","chunk_index":5,"chunk_sha256":"659b0fade5583c38e85be594a4ea8e3f4401447e3916b04298ba96dfcb46602a","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_617d207d94847c4c","text_sha256":"659b0fade5583c38e85be594a4ea8e3f4401447e3916b04298ba96dfcb46602a","token_estimate":402,"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":"HERA authorizes the Director of the Federal Housing Finance Agency (FHFA) to temporarily suspend allocations by an Enterprise upon a finding by the Director that such allocations: 1) are contributing, or would contribute, to the financial instability of the Enterprise; 2) are causing, or would cause, the Enterprise to be classified as undercapitalized; or 3) are preventing, or would prevent, the Enterprise from successfully completing a capital restoration plan; 12 USC 4567(b).\n\nOn November 13, 2008, the Director of FHFA temporarily suspended the allocation of funds by the Enterprises pursuant to section 4567(b). On December 11, 2014, the Director of FHFA terminated the temporary suspension of these allocations and directed the Enterprises to begin making contributions pursuant to 12 USC 4567(a) in accordance with certain terms and conditions.\n\n#### Links:\n\n---\n\n[FHFA Announces More than $1.1 Billion for Affordable Housing Programs​](/fhfa-announces-more-11-billion-affordable-housing-programs) (2/28/2022)\n\n[FHFA Release on Authorization of Affordable Housing Funds](/fhfa-authorizes-more-1-billion-affordable-housing-funds) (3/1/2021)\n\n[FHFA Release on Authorization of Payments to Housing Trust Fund and Capital Magnet Fund](/fhfa-authorizes-payments-housing-trust-fund-and-capital-magnet-fund-0)​ (2/27/2020)\n\n[FHFA Release on Authorization of Payments to Housing Trust Fund and Capital Magnet Fund](/fhfa-authorizes-payments-housing-trust-fund-and-capital-magnet-fund)(4/3/2019)\n\n[Letter to Fannie Mae](/sites/default/files/2023-04/Affordable-Housing-Funds_FNM-Directive.pdf) (4/3/2019)\n"}
diff --git a/chunks/json/65a9c9a81bda8fe2e65658fbb819b6295490ecbd98d5e295c859d6af09f3defc.json b/chunks/json/65a9c9a81bda8fe2e65658fbb819b6295490ecbd98d5e295c859d6af09f3defc.json
new file mode 100644
index 0000000000000000000000000000000000000000..218fc42956eab32ae2cae9b759186d17fec2aa84
--- /dev/null
+++ b/chunks/json/65a9c9a81bda8fe2e65658fbb819b6295490ecbd98d5e295c859d6af09f3defc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":129495463,"char_start":0,"chunk_id":"chk_11602abf5d72236a","chunk_index":0,"chunk_sha256":"65a9c9a81bda8fe2e65658fbb819b6295490ecbd98d5e295c859d6af09f3defc","date_utc":"2026-01-27T18:00:19+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_26f99780ce807b8a","text_sha256":"65a9c9a81bda8fe2e65658fbb819b6295490ecbd98d5e295c859d6af09f3defc","token_estimate":1000,"warnings":["source_path=ent_uad_puf_annual_csv_v2_1/_.csv/ent_uad_puf_2019_v2_1.csv","exceeds_max_chunk_chars_truncated"]},"text":"record_id: 1900128594000 | year: 2019 | weight: 20 | state_fips_2010: 06 | state_fips_2020: NA | county_fips_2010: 06037 | county_fips_2020: NA | tract_fips_2010: 06037432102 | 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: 635000 | sales_range_low: 355000 | updated_last_15_years: 1 | lot_size: 2 | quality: 4 | condition: 4 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 2 | median_adjustment: 18450 | average_adjustment: 16100 | adjusted_price: 635000 | number_comparables: 4 | same_tract_percent: 0 | calculated_proximity: 0.68 | reported_proximity: 0.64 | value_sale_comparison: 625000 | value_cost: 615000 | value_income: NA | appraised_value: 625000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2\nrecord_id: 1900101999000 | year: 2019 | weight: 20 | state_fips_2010: 53 | state_fips_2020: NA | county_fips_2010: 53067 | county_fips_2020: NA | tract_fips_2010: 53067010300 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 185000 | built_up: 1 | growth_rate: 1 | property_value_trend: 1 | demand_supply: 1 | marketing_time: 1 | sales_range_high: 225000 | sales_range_low: 195000 | updated_last_15_years: 2 | lot_size: 2 | quality: 4 | condition: 4 | bathrooms: 1 | bedrooms: 2 | gross_living_area: 1 | median_adjustment: -8000 | average_adjustment: -9052 | adjusted_price: 185000 | number_comparables: 3 | same_tract_percent: 40 | calculated_proximity: 0.87 | reported_proximity: 0.78 | value_sale_comparison: 195000 | value_cost: 195000 | value_income: NA | appraised_value: 195000 | appraisal_to_contract: 100.1 | comparison_to_contract: 100.1 | dts_rural: 2\nrecord_id: 1900266203000 | year: 2019 | weight: 20 | state_fips_2010: 06 | state_fips_2020: NA | county_fips_2010: 06029 | county_fips_2020: NA | tract_fips_2010: 06029003204 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 1 | contract_price: 235000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 1 | sales_range_high: 725000 | sales_range_low: 225000 | updated_last_15_years: 2 | lot_size: 2 | quality: 4 | condition: 3 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 3 | median_adjustment: -9100 | average_adjustment: -5100 | adjusted_price: 235000 | number_comparables: 3 | same_tract_percent: 80 | calculated_proximity: 0.54 | reported_proximity: 0.54 | value_sale_comparison: 235000 | value_cost: 235000 | value_income: NA | appraised_value: 235000 | appraisal_to_contract: 101.3 | comparison_to_contract: 101.3 | dts_rural: 2\nrecord_id: 1900253064000 | year: 2019 | weight: 20 | state_fips_2010: 06 | state_fips_2020: NA | county_fips_2010: 06061 | county_fips_2020: NA | tract_fips_2010: 06061023100 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 1 | contract_price: 445000 | 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: 1 | lot_size: 2 | quality: 4 | condition: 3 | bathrooms: 3 | bedrooms: 3 | gross_living_area: 6 | median_adjustment: 4277 | average_adjustment: 794 | adjusted_price: 445000 | number_comparables: 4 | same_tract_percent: 100 | calculated_proximity: 0.14 | reported_proximity: 0.14 | value_sale_comparison: 445000 | value_cost: 115000 | value_income: NA | appraised_value: 445000 | appraisal_to_contract: 100.9 | comparison_to_contract: 100.9 | dts_rural: 2\nrecord_id: 1900194591000 | year: 2019 | weight: 20 | state_fips_2010: 01 | state_fips_2020: NA | county_fips_2010: 01071 | county_fips_2020: NA | tract_fips_2010: 01071950900 | 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: 175000 | sales_range_low: 85000 | updated_last_15_years: 1 | lot_size: 4 | quality: 3 | condition: 3 | bathroo\n"}
diff --git a/chunks/json/65b7f90377839c7c4e2a8cc727bdff67d370709d8c1620a7533a9eebba51db8d.json b/chunks/json/65b7f90377839c7c4e2a8cc727bdff67d370709d8c1620a7533a9eebba51db8d.json
new file mode 100644
index 0000000000000000000000000000000000000000..a208e40cabcaebf46c4bdd66ee310d537aef33da
--- /dev/null
+++ b/chunks/json/65b7f90377839c7c4e2a8cc727bdff67d370709d8c1620a7533a9eebba51db8d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":640643,"char_start":638975,"chunk_id":"chk_47e4f02403b0030f","chunk_index":378,"chunk_sha256":"65b7f90377839c7c4e2a8cc727bdff67d370709d8c1620a7533a9eebba51db8d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"65b7f90377839c7c4e2a8cc727bdff67d370709d8c1620a7533a9eebba51db8d","token_estimate":417,"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’]/SALE_PRICE_\nADJUSTMENT[@_Type=‘BasementFinish’]/@_Amount\n\nSALES\nCOMPARISON\nAPPROACH\n\nFunctional Utility\n\nSALES\nCOMPARISON\nAPPROACH\n\nFunctional Utility Adjustment\n\nSALES\nCOMPARISON\nAPPROACH\n\nHeating/Cooling\n\nSALES\nCOMPARISON\nAPPROACH\n\nHeating/Cooling Adjustment\n\nSALES\nCOMPARISON\nAPPROACH\n\nEnergy Efficient Items\n\nSale Price\nAdjustment\nDescription\n\nSale Price\nAdjustment\nAmount\n\nSale Price\nAdjustment\nDescription\n\nSale Price\nAdjustment\nAmount\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=‘FunctionalUtility’]/@_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=‘FunctionalUtility’]/@_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=‘HeatingCooling’]/@_Description\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/65bc9cc0a76e651fff821502d84a9b8b775ec9482a1caf1bf45472d5384e5258.json b/chunks/json/65bc9cc0a76e651fff821502d84a9b8b775ec9482a1caf1bf45472d5384e5258.json
new file mode 100644
index 0000000000000000000000000000000000000000..bf21ba11f0cd5426378868f9dd5e438442170e09
--- /dev/null
+++ b/chunks/json/65bc9cc0a76e651fff821502d84a9b8b775ec9482a1caf1bf45472d5384e5258.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":22234,"char_start":20320,"chunk_id":"chk_446f19c91974b513","chunk_index":12,"chunk_sha256":"65bc9cc0a76e651fff821502d84a9b8b775ec9482a1caf1bf45472d5384e5258","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"65bc9cc0a76e651fff821502d84a9b8b775ec9482a1caf1bf45472d5384e5258","token_estimate":479,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"1 = Fixed-rate mortgage (FRM)\n2 = Adjustable-rate mortgage (ARM)\n3 = Other type of mortgage\n9 = Missing\n\nThe purchase price of the property reported by\nthe Enterprise. Where unavailable, including\nnon-purchase mortgages, FHFA estimates the\npurchase price by dividing the origination UPB\nby the origination LTV. Values are rounded to\nthe nearest $1,000.\nThis is the note’s interest rate at the time of\norigination and not the Annual Percentage\nRate (APR) on which a HMDA rate spread\nwould be based.\n\n11\n\n9\n\npurchase_price\n\nPurchase Price\n\n999999999 = Missing\n\n12\n\n2\n\nrate_orig_cat\n\nInterest Rate at\nOrigination\n\n13\n\n1\n\nterm_orig_cat\n\nTerm of Mortgage at\nOrigination\n\n1 = Less than 4.00\n2 = 4.00 - < 4.50\n3 = 4.50 - < 5.00\n4 = 5.00 - < 5.50\n5 = 5.50 - < 6.00\n6 = 6.00 - < 6.50\n7 = 6.50 - < 7.00\n8 = 7.00 - < 7.50\n9 = 7.50 - < 8.00\n10 = 8.00 or greater\n99 = Missing\n1 = 30-year\n2 = 15-year\n3 = Other terms\n9 = Missing\n\nSF NFC\n\n16\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nSingle-Family Properties\nNational File C\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n14\n\nterm_amort_cat\n\nAmortization Term\n\n15\n\n1\n\nportfolio\n\nPortfolio Flag\n\nThe mortgage’s status with respect to the\nEnterprise’s retained portfolio as of December\n31, 2024.\n\n1 = 30-year\n2 = 15-year\n3 = Other terms including non-\namortizing loans\n9 = Missing\n1 = Not held on portfolio: Indicates the\nsecurity backed by the high-cost loan\nwas sold in its entirety by the\nEnterprise during the calendar year\nand not repurchased as of year-end.\n2 = Retained on portfolio: Indicates the\nsecurity backed by the high-cost loan\nwas sold in its entirety by the\nEnterprise during the calendar year,\nbut that all or a portion of the security\ncollateralized by such high-cost loan\nwas repurchased by the Enterprise\nduring such calendar year and held at\nyear-end.\n"}
diff --git a/chunks/json/65c8214c4334c74297443a070c7c857c2b68f8327fd5cceed48f144f3dc60d72.json b/chunks/json/65c8214c4334c74297443a070c7c857c2b68f8327fd5cceed48f144f3dc60d72.json
new file mode 100644
index 0000000000000000000000000000000000000000..ef629ae7970be3bb8b1abd0a545d1181cfb5ee37
--- /dev/null
+++ b/chunks/json/65c8214c4334c74297443a070c7c857c2b68f8327fd5cceed48f144f3dc60d72.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":37137,"char_start":34967,"chunk_id":"chk_fbf12ec29a3326bf","chunk_index":19,"chunk_sha256":"65c8214c4334c74297443a070c7c857c2b68f8327fd5cceed48f144f3dc60d72","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"65c8214c4334c74297443a070c7c857c2b68f8327fd5cceed48f144f3dc60d72","token_estimate":543,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"The current PUDB Single-Family\nCensus Tract File does not include the\nHMDA Note Amount. To conform with\nHMDA, the PUDB Single-Family Census\nTract File will add a new field called\nNote Amount to indicate the amount to\nbe repaid as disclosed on the legal\nobligation. Note Amount will be\ndisclosed as the midpoint of the $10,000\ninterval in which the actual amount\nfalls, in conformance with the CFPB\nPrivacy Guidance.49\n\n2. HMDA Single-Family Data Elements\nAlready in the PUDB\n\nFHFA identified several HMDA\nsingle-family data elements that were\nadded, modified, or unchanged by the\nRegulation C amendments and are\nalready reported by the Enterprises and\ndisclosed in the current PUDB. The\nEnterprises’ reporting requirements thus\ngenerally will not change for these data\nelements. However, the disclosure in\nthe PUDB will change in some cases to\nconform with the CFPB Privacy\nGuidance. In addition, some of the data\nelements were defined as HMDA data\nfor the first time in 2018 in Regulation\nC and, therefore, any proprietary\nprotections they received in the PUDB\nare no longer permissible under the\nSafety and Soundness Act and will be\nremoved. All of the data elements will\nbe released in the PUDB Single-Family\nCensus Tract File, with modifications as\nappropriate to conform with the CFPB\nPrivacy Guidance.\n\ni. Disclosure Changes in the PUDB\n\nThe single-family data elements listed\n\nbelow were previously withheld from\nthe PUDB or disclosed in the PUDB\nwith proprietary protections, but are\ndefined as HMDA data elements in 2018\nand must be disclosed, with\nmodifications as appropriate to conform\nwith the CFPB Privacy Guidance. In\nsome cases, the data element was\ndefined as a HMDA data element for the\nfirst time in 2018 and, thus, is no longer\neligible for the proprietary protections it\nhad been receiving in the PUDB. The\ndata elements previously disclosed only\nin the National Files that must now be\ndisclosed in the PUDB Single-Family\nCensus Tract File will continue to be\ndisclosed in the National Files as well\nas being added to the Census Tract File.\nInterest Rate: Interest Rate is a new\nHMDA data element that discloses the\nactual note rate on the loan as a\n"}
diff --git a/chunks/json/65d52f610eb48aa4935448ef7f99228bcbbdab573c286173b36785b536dab93a.json b/chunks/json/65d52f610eb48aa4935448ef7f99228bcbbdab573c286173b36785b536dab93a.json
new file mode 100644
index 0000000000000000000000000000000000000000..73fa371425af15f063c68ed226f0487fbe36aacd
--- /dev/null
+++ b/chunks/json/65d52f610eb48aa4935448ef7f99228bcbbdab573c286173b36785b536dab93a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":21450,"char_start":20318,"chunk_id":"chk_21b55f2ea48d5707","chunk_index":21,"chunk_sha256":"65d52f610eb48aa4935448ef7f99228bcbbdab573c286173b36785b536dab93a","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"65d52f610eb48aa4935448ef7f99228bcbbdab573c286173b36785b536dab93a","token_estimate":451,"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\nEnergy Efficient and Green Features\n\nKnown Renewable Energy Components\n\nRenewable Energy Component\n(cid:25)(cid:17)(cid:19)(cid:19)(cid:20)\n\nKnown Building Certifications\n\n(cid:25)(cid:17)(cid:19)(cid:19)(cid:23)\n\n(cid:25)(cid:17)(cid:19)(cid:19)(cid:19)\n\nOwnership\n(cid:25)(cid:17)(cid:19)(cid:19)(cid:21)\n\nBuilding Certification Organization\n(cid:25)(cid:17)(cid:19)(cid:19)(cid:24)\n\nCertification\n(cid:25)(cid:17)(cid:19)(cid:19)(cid:25)\n\nKnown Efficiency Ratings\n\n(cid:25)(cid:17)(cid:19)(cid:20)(cid:19)\n\nGreen/Energy Efficiency Rating\nOrganization\n(cid:25)(cid:17)(cid:19)(cid:20)(cid:20)\n\nRating\n(cid:25)(cid:17)(cid:19)(cid:20)(cid:21)\n\nEnergy Efficient and Green Features Impact to Value/Marketability\n\nImpact to Value/Marketability\n\n(cid:25)(cid:17)(cid:19)(cid:20)(cid:23)\n\nDescription\n\n(cid:25)(cid:17)(cid:19)(cid:20)(cid:24)\n\nEnergy Efficient and Green Features Commentary\n(cid:25)(cid:17)(cid:19)(cid:20)(cid:25)\nEnergy Efficient and Green Features Exhibits\n\n(cid:25)(cid:17)(cid:19)(cid:20)(cid:26)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:25)(cid:17)(cid:19)(cid:20)(cid:26)(cid:17)(cid:21)\n"}
diff --git a/chunks/json/65d5bd7fc3859d706e2255bb69cd8f2d2ba3bd332ffb254140174537cbdc36bd.json b/chunks/json/65d5bd7fc3859d706e2255bb69cd8f2d2ba3bd332ffb254140174537cbdc36bd.json
new file mode 100644
index 0000000000000000000000000000000000000000..36533eb286489190ccdad0b46dcead414c18d0dc
--- /dev/null
+++ b/chunks/json/65d5bd7fc3859d706e2255bb69cd8f2d2ba3bd332ffb254140174537cbdc36bd.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":602763,"char_start":600523,"chunk_id":"chk_038e1d49e360b540","chunk_index":347,"chunk_sha256":"65d5bd7fc3859d706e2255bb69cd8f2d2ba3bd332ffb254140174537cbdc36bd","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"65d5bd7fc3859d706e2255bb69cd8f2d2ba3bd332ffb254140174537cbdc36bd","token_estimate":560,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Appraisal Version #2Fannie Mae | Freddie Mac September 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5)\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\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 17 of 19\nPage 17 of 19\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/65d703f6df523a1623d9da675a4241598a0fdb8c2150ac0a7696636d21691850.json b/chunks/json/65d703f6df523a1623d9da675a4241598a0fdb8c2150ac0a7696636d21691850.json
new file mode 100644
index 0000000000000000000000000000000000000000..aa41cd28dc4f884d77eac87c5e61c95df29b82f5
--- /dev/null
+++ b/chunks/json/65d703f6df523a1623d9da675a4241598a0fdb8c2150ac0a7696636d21691850.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13349,"char_start":11464,"chunk_id":"chk_0cd5a53278198fe5","chunk_index":7,"chunk_sha256":"65d703f6df523a1623d9da675a4241598a0fdb8c2150ac0a7696636d21691850","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5caeed6ac2d5622f","text_sha256":"65d703f6df523a1623d9da675a4241598a0fdb8c2150ac0a7696636d21691850","token_estimate":471,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 2055.pdf"]},"text":"Years\n\nIndicated Value By Cost Approach.............................................=$ 37\n\nEstimated Monthly Market Rent $ 38\nSummary of Income Approach (including support for market rent and GRM) 41\n\nX Gross Rent Multiplier 39\n\n= $ 40\n\nIndicated Value by Income Approach\n\nINCOME APPROACH TO VALUE (not required by Fannie Mae)\n\nI\nN\nC\nO\nM\nE\n\nPROJECT INFORMATION FOR PUDs (if applicable)\n\n42\n\nIs the developer/builder in control of the Homeowners’ Association (HOA)? Yes No\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 Total number of units for sale 51\nWas the project created by the conversion of an existing building(s) into a PUD? Yes No If Yes, date of conversion 55\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 49\nData source(s) 52\n54\n53\n\nUnit type(s) Detached Attached\n\nTotal number of units 48\n\n43\n\n45\n\n44\n\n57\n\n56\n\n59\n\n60\n\nAre the common elements leased to or by the Homeowners’ Association? Yes No If Yes, describe the rental terms and options. 64\n\n63\n\n62\n\nP\nU\nD\n\nI\nN\nF\nO\nR\nM\nA\nT\nI\nO\nN\n\nDescribe common elements and recreational facilities 65\n\nFreddie Mac Form 2055 March 2005 226\n\nPage 3 of 6\n\nFannie Mae Form 2055 March 2005\n\n2\n\nExterior-Only Inspection Residential Appraisal Report\n\nFile # 3 4 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"}
diff --git a/chunks/json/65e367bd16ca4fa89d6c881412723bbed4fb4e6854f7bdeaeca325bfc901c1eb.json b/chunks/json/65e367bd16ca4fa89d6c881412723bbed4fb4e6854f7bdeaeca325bfc901c1eb.json
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index 0000000000000000000000000000000000000000..09fb4fbfc4a2bfa74e00652520c45d5ca5c03cf2
--- /dev/null
+++ b/chunks/json/65e367bd16ca4fa89d6c881412723bbed4fb4e6854f7bdeaeca325bfc901c1eb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12518,"char_start":10787,"chunk_id":"chk_1568fbacf976aba8","chunk_index":6,"chunk_sha256":"65e367bd16ca4fa89d6c881412723bbed4fb4e6854f7bdeaeca325bfc901c1eb","date_utc":"2026-01-27T18:07:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_058d4980d2495702","text_sha256":"65e367bd16ca4fa89d6c881412723bbed4fb4e6854f7bdeaeca325bfc901c1eb","token_estimate":433,"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":"2. 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\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/65e937906d6fc87bb6efed278c298f0d5f945e3ed5460b5e1c2568b8669a9eee.json b/chunks/json/65e937906d6fc87bb6efed278c298f0d5f945e3ed5460b5e1c2568b8669a9eee.json
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index 0000000000000000000000000000000000000000..f8dfa2975f7617e1df23543811b8fe96a5e096ee
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+++ b/chunks/json/65e937906d6fc87bb6efed278c298f0d5f945e3ed5460b5e1c2568b8669a9eee.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":83035,"char_start":81434,"chunk_id":"chk_f02a560722aa846d","chunk_index":94,"chunk_sha256":"65e937906d6fc87bb6efed278c298f0d5f945e3ed5460b5e1c2568b8669a9eee","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"65e937906d6fc87bb6efed278c298f0d5f945e3ed5460b5e1c2568b8669a9eee","token_estimate":400,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Full page width\n\n•\n\n“Commentary on Remaining Economic Life,” “Commentary on Effective Age” set as TXC-B\ntext x 45 picas (bold lead in to Myriad Pro Regular text)\n\nRight-hand side of page\n\n• Photo of Structure displays in right column, no caption\n\nQuality and Condition (H1)\n\nLeft-hand side of page\n\n•\n\n“Exterior Quality Rating” sets as TXR-B, TXR\n\nRight-hand side of page\n\n•\n\n“Exterior Condition Rating” sets as TXR-B, TXR\n\nFull page width\n\n•\n\n“The table below supports the Exterior Quality and Condition ratings and reflects the market\nvalue condition of this report” sets as TXC-I, Myriad Pro Italic text x 45 picas\n\nExterior Features (H2)\n\nExterior Features table\n\n• Column heads: “Feature,” “Detail,” “Quality Comment,” “Condition Status,” “Condition\n\nComment” set as TCH in 5 equal column table x 45 picas.\n\n•\n\n•\n\n“Feature” column rows set as TB “Exterior Walls and Trim,” “Foundation,” “Roof,” and\n“Windows”.\n\n“[Other Exterior Feature]” sets as TB if applicable per iGuide.\n\nAppendix E: Report Style Guide\n\nPage 43 of 90\n\nVersion 1.4\n\n• Content sets as TB.\n\n• Columns 1–5 equal width: ~28 characters max per line in each cell.\n\nEXTERIOR FEATURES TABLE\n\nNoncontinuous Finished Area (H1)\n\nSet TXC-I x 45 picas above table “The table below depicts any finished area that is attached to the dwelling but\nseparate and not directly accessible from any unit”.\n\nLeft-hand side of page - Noncontinuous Finished Area table\n\n• Column heads: “Finish,” “Total Area,” “Room Summary” set as TCH in 3 equal column table x\n\n22 picas.\n\n•\n\n“Finish” column, first row sets as TB “Finished”.\n\n• Content sets as TB.\n"}
diff --git a/chunks/json/65ee3462b55a7b22b19ab346375e71cf09e3973359894ae0c8a5ea81e2a1fefa.json b/chunks/json/65ee3462b55a7b22b19ab346375e71cf09e3973359894ae0c8a5ea81e2a1fefa.json
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index 0000000000000000000000000000000000000000..eed0e856881b28fabd1db5df43eec4bbbf3f2731
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+++ b/chunks/json/65ee3462b55a7b22b19ab346375e71cf09e3973359894ae0c8a5ea81e2a1fefa.json
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+{"chunk":{"char_end":80784,"char_start":79475,"chunk_id":"chk_31b2ad979a163ce7","chunk_index":44,"chunk_sha256":"65ee3462b55a7b22b19ab346375e71cf09e3973359894ae0c8a5ea81e2a1fefa","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"65ee3462b55a7b22b19ab346375e71cf09e3973359894ae0c8a5ea81e2a1fefa","token_estimate":405,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"TRANSACTION GRANTED EARLY TERMINATION\n\nET date\n\nTrans No.\n\nET req\nstatus\n\nParty name\n\n.\n01–JUN–10 ............................................................\n\n20100246\n\n20100657\n\n20100692\n\n20100718\n\n20100720\n\n20100722\n\n20100723\n\n20100727\n\n20100728\n\n20100730\n\n03–JUN–10 ............................................................\n\n20100702\n\nG\nG\nG\nG\nG\nG\nG\nG\nG\nG\nG\nG\nG\nG\nG\nG\nG\nG\nG\nG\nG\nG\nG\nG\nG\nG\nG\nG\nG\nG\nG\n\nFrancisco Partners, L.P.\nInovis International, Inc.\nInovis International, Inc.\nAMETEK, Inc.\nPfingsten Executive QP Fund III, L.P.\nTSE Acquisition Corporation.\nHewlett-Packard Company.\nPalm, Inc.\nPalm, Inc.\nIndustrial Growth Partners III, L.P.\nFred H. Stubblefield, III.\nControls Southeast, Inc.\nVeraz Networks, Inc.\nDialogic Corporation.\nDialogic Corporation.\nMill Road Capital, L.P.\nRubio’s Restaurants, Inc.\nRubio’s Restaurants, Inc.\nThomas H. Lee Equity Fund VI, L.P.\ninVentiv Health, Inc.\ninVentiv Health, Inc.\nLeonard A, Lauder.\nSBX, LLC.\nSBX Holding Company.\nNRG Energy, Inc.\nPinnacle West Capital Corporation.\nNorthwind Phoenix, LLC.\nProvidence Equity Partners VI, L.P.\nVirtual Radiologic Corporation.\nVirtual Radiologic Corporation.\nLifePoint Hospitals, Inc.\n\nVerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00063 Fmt 4703 Sfmt 4703 E:\\FR\\FM\\15JYN1.SGM 15JYN1\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n"}
diff --git a/chunks/json/65f46bda7768e2fe3c08960b06e2d8d40d31e3f81497dec4bfc2280e3be984b7.json b/chunks/json/65f46bda7768e2fe3c08960b06e2d8d40d31e3f81497dec4bfc2280e3be984b7.json
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index 0000000000000000000000000000000000000000..cfa7ee451159ee3860f89d9d7ed30975c110f63f
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+++ b/chunks/json/65f46bda7768e2fe3c08960b06e2d8d40d31e3f81497dec4bfc2280e3be984b7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":164821,"char_start":163177,"chunk_id":"chk_e98ea8a4e065d724","chunk_index":90,"chunk_sha256":"65f46bda7768e2fe3c08960b06e2d8d40d31e3f81497dec4bfc2280e3be984b7","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"65f46bda7768e2fe3c08960b06e2d8d40d31e3f81497dec4bfc2280e3be984b7","token_estimate":411,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"The taxes are escrowed while the homeowner’s insurance and association dues are not. The associated costs of each\n\ncomponent are not collected.\n\nb. Total ETI&A Cost per Month\n\nThe total monthly payment for ETI&A is provided in\n\nProjectedPaymentEstimatedTaxesInsuranceAssessmentTotalAmount and PaymentFrequencyType = “Monthly”.\nPaymentFrequencyType is also used to indicate the payment period for the “Estimated Total Monthly Payment”. Although\nrendered in two locations in the Projected Payments table, this data point is provided only once in the\nPROJECTED_PAYMENT container (see Table 39 UID 5.009).\n\nTable 38. UCD v2.0 Spec Excerpt – ETI&A Data Requirements.\n\nUCD UID\n\nMISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/L\nOAN/DOCUMENT_SPECIFIC_DATA_SETS/DOCUMENT_SPECIFIC_DATA_SET/INTEGRATED_DISCLOSURE/ESTIMATED_PRO\nPERTY_COST/ESTIMATED_PROPERTY_COST_COMPONENTS/ESTIMATED_PROPERTY_COST_COMPONENT\n\n5.045\n\nProjectedPaymentEscrowedType\n\nEscrowed\n\n5.038\n\nProjectedPaymentEstimatedTaxesIn\nsuranceAssessmentComponentType\n\nPropertyTaxes\n\n…ESTIMATED_PROPERTY_COST_COMPONENT (#2)\n\n5.045\n\nProjectedPaymentEscrowedType\n\nNotEscrowed\n\n5.038\n\nProjectedPaymentEstimatedTaxesIn\nsuranceAssessmentComponentType\n\nHomeownersInsurance\n\n…ESTIMATED_PROPERTY_COST_COMPONENT (#3)\n\n5.045\n\nProjectedPaymentEscrowedType\n\nNotEscrowed\n\n5.038\n\nProjectedPaymentEstimatedTaxesIn\nsuranceAssessmentComponentType\n\nHomeownersAssociation\nDues\n\nValues provided in “Other” on the form\nshould NOT use the enumeration “Other”\nunless the needed cost is not specified in\nUCD v2.0.\n"}
diff --git a/chunks/json/65f5151349c6e2411aa8df9ba4a66a1ae0f935ec4d36e18f8897f8ad3e0bed13.json b/chunks/json/65f5151349c6e2411aa8df9ba4a66a1ae0f935ec4d36e18f8897f8ad3e0bed13.json
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index 0000000000000000000000000000000000000000..42dc94e7046039a6372fa6c86a2311ae22d779f8
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+++ b/chunks/json/65f5151349c6e2411aa8df9ba4a66a1ae0f935ec4d36e18f8897f8ad3e0bed13.json
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+{"chunk":{"char_end":99394,"char_start":97826,"chunk_id":"chk_7514044cb62a581c","chunk_index":104,"chunk_sha256":"65f5151349c6e2411aa8df9ba4a66a1ae0f935ec4d36e18f8897f8ad3e0bed13","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"65f5151349c6e2411aa8df9ba4a66a1ae0f935ec4d36e18f8897f8ad3e0bed13","token_estimate":409,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Highest and Best Use Commentary (H1)\n\nSet Commentary as TXC x 45 picas.\n\nHighest and Best Use Exhibits (H1)\n\nSubsection does not display if there are no exhibits.\n\n“Market” sets as TAB.\n\nFull page width\n\n•\n\n“Market Area Boundary” and “Search Criteria Description” set as TXC-B x 45 picas (bold lead\nin to Myriad Pro Regular text).\n\nSearch Result Metrics (H1)\n\nLeft-hand side of page\n\n•\n\n•\n\n•\n\n“Active Listings” sets as TXR-B, TXR.\n\n“Median Days on Market,” “Lowest List Price,” “Median List Price,” “Highest List Price” set as\nTXR-I, TXR.\n\n“Pending Sales” sets as TXR-B, TXR.\n\nRight-hand side of page\n\n•\n\n•\n\n•\n\n“Sales in Past [fill in] Months” sets as TXR-B, TXR.\n\n“Lowest Sale Price,” “Median Sale Price,” “Highest Sale Price” set as TXR-I, TXR.\n\n“Distressed Market Competition,” “Graph,” “Price Trend Source” sets as TXR-B, TXR.\n\nFull page width\n\n•\n\n“Price Trend Analysis Commentary” sets as TXC-B x 45 picas (bold lead in to Myriad Pro\nRegular text).\n\nHousing Trends (H1)\n\nLeft-hand side of page\n\n•\n\n“Demand/Supply” sets as TXR-B, TXR.\n\nRight-hand side of page\n\n•\n\n“Marketing Time” sets as TXR-B, TXR.\n\nAppendix E: Report Style Guide\n\nPage 54 of 90\n\nVersion 1.4\n\nMarket Commentary (H1)\n\nSet Commentary as TXC x 45 picas.\n\nMarket Exhibits (H1)\n\nSubsection does not display if there are no exhibits.\n\n“Project Information” sets as TAB.\n\n“Planned Unit Development (PUD),” “Condominium,” “Cooperative” “Condop” set as CK-TAB on TAB rule.\n\nLeft-hand side of page\n\n•\n\n•\n\n•\n\n•\n\n•\n\n•\n\n•\n\n“Project Name,” “Project Information Data Source,” “Total Units” set as TXR-B, TXR.\n"}
diff --git a/chunks/json/65fc90b682a0b43adf1f6cf70bd817e904549c17751add37a14cec097f9dc333.json b/chunks/json/65fc90b682a0b43adf1f6cf70bd817e904549c17751add37a14cec097f9dc333.json
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index 0000000000000000000000000000000000000000..804356723f39638804c62f8df1e94e51848abec2
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diff --git a/chunks/json/65fd8316491ceaf83765982263ae5b61f4458e22a807cb828b44392e6b75f796.json b/chunks/json/65fd8316491ceaf83765982263ae5b61f4458e22a807cb828b44392e6b75f796.json
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diff --git a/chunks/json/66068b6cfd131a6b71decf3ae20bbde8b5c574dc8f7338c97d324eb427e2811f.json b/chunks/json/66068b6cfd131a6b71decf3ae20bbde8b5c574dc8f7338c97d324eb427e2811f.json
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diff --git a/chunks/json/662818e46140896d25769e49cfee06f71a12765fd9cbd5c03958b63acce6d645.json b/chunks/json/662818e46140896d25769e49cfee06f71a12765fd9cbd5c03958b63acce6d645.json
new file mode 100644
index 0000000000000000000000000000000000000000..9565d85b5c14994ebce80ffd2d668c86402d2f61
--- /dev/null
+++ b/chunks/json/662818e46140896d25769e49cfee06f71a12765fd9cbd5c03958b63acce6d645.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":85735,"char_start":84135,"chunk_id":"chk_813c035f453cbc16","chunk_index":48,"chunk_sha256":"662818e46140896d25769e49cfee06f71a12765fd9cbd5c03958b63acce6d645","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"662818e46140896d25769e49cfee06f71a12765fd9cbd5c03958b63acce6d645","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Definition / Additional Guidance\n\nAffects Soundness\nor Structural\nIntegrity\n\nRecommended\nAction\n\n•\n•\n•\n•\n•\n•\n\n•\n•\n•\n•\n•\n•\n\nSite 4.103\nDwelling Exterior 8.059\nOutbuilding 12.023\nUnit Interior 10.059\nVehicle Storage 13.008\nSubject Property Amenities 14.009\n\nSite 4.104\nDwelling Exterior 8.060\nOutbuilding 12.024\nUnit Interior 10.060\nVehicle Storage 13.009\nSubject Property Amenities 14.010\n\nIndicates whether the defect, damage, or deficiency affects the soundness\nand / or structural integrity of the improvement, as previously entered in\nthe original section.\n\nThe recommended action for the defect, damage, or deficiency, as\npreviously entered in the original section:\n•\n•\n•\n•\n\nCompletion\nInspection\nRepair (includes replacement)\nNone (does not require repair, replacement, completion, or\ninspection – Does not display in the Summary section)\n\nCost to Repair Reporting Options\n\n•\n\nNotes:\n•\n\nIf Completion, Inspection, or Repair is reported for any defect,\ndamage, or deficiency, the report must be made subject to the\nresolution of the item (Market Value Condition 1.009 cannot be As\nIs).\nIf Repair is selected, the estimated cost to repair may be provided.\n\nWhen included, the estimated cost to repair only displays in the Summary and Reconciliation sections.\nReference the Reconciliation chapter in this document for details and examples.\n• Cost to Repair is not provided, or\n• Cost to Repair is itemized (1.038-1.080) with a total at the bottom of the table (1.081), or\n• Cost to Repair is provided as a total only (1.083).\n\nAs Is Overall Condition Rating\n\nSummary: As Is Overall Condition Rating\n"}
diff --git a/chunks/json/662b275a2a075f48daacd8e0fb83913397f6c958715d902eec13b3ab224f745a.json b/chunks/json/662b275a2a075f48daacd8e0fb83913397f6c958715d902eec13b3ab224f745a.json
new file mode 100644
index 0000000000000000000000000000000000000000..9a08775ccf55f45a694d73552dd470f155460136
--- /dev/null
+++ b/chunks/json/662b275a2a075f48daacd8e0fb83913397f6c958715d902eec13b3ab224f745a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":45510,"char_start":43913,"chunk_id":"chk_d10086ab8fa9a975","chunk_index":27,"chunk_sha256":"662b275a2a075f48daacd8e0fb83913397f6c958715d902eec13b3ab224f745a","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"662b275a2a075f48daacd8e0fb83913397f6c958715d902eec13b3ab224f745a","token_estimate":400,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"HDR-L\n\nTXC\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\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\nH1\n\nScope of Work\n\nTXC\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/6632f818f7d23fab793d075b78b0d9a3673a607ddf8f45cb91e7fed6f77e254b.json b/chunks/json/6632f818f7d23fab793d075b78b0d9a3673a607ddf8f45cb91e7fed6f77e254b.json
new file mode 100644
index 0000000000000000000000000000000000000000..a7cfc367463473dfae0a95f734e81a11a70612ea
--- /dev/null
+++ b/chunks/json/6632f818f7d23fab793d075b78b0d9a3673a607ddf8f45cb91e7fed6f77e254b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":220277,"char_start":218537,"chunk_id":"chk_5e8bdbb5073741b7","chunk_index":111,"chunk_sha256":"6632f818f7d23fab793d075b78b0d9a3673a607ddf8f45cb91e7fed6f77e254b","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"6632f818f7d23fab793d075b78b0d9a3673a607ddf8f45cb91e7fed6f77e254b","token_estimate":435,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"ProjectedPaymentE\nstimatedTaxesInsur\nanceAssessmentCo\nmponentType\nProjectedPaymentE\nscrowedType\n\nPropertyTaxes\n\nROF as “ Property\nTaxes”\n\nEscrowed\n\nRepresented as\n“YES” on form\n\nSecond instance of ESTIMATED_PROPERTY_COST_COMPONENT\n\n5.6.4i.\n\nThis estimate\nincludes: \nHomeowner’s\nInsurance\n\n…/ESTIMATED_PRO\nPERTY_COST_COM\nPONENT\n\nProjectedPaymentE\nstimatedTaxesInsur\nanceAssessmentCo\nmponentType\n\nHomeownersInsura\nnce\n\nROF as “\nHomeowners\nInsurance”\n\nAppendix E: UCD Implementation Guide\n\nPage 99 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n5.0 Projected Payments Table\n\nTable 85. Property Taxes and Homeowner’s Insurance-One Cost Item Each\n\nID\n\nForm Field Name\n\n5.6.4\n\nIn escrow?\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint\nProjectedPaymentE\nscrowedType\n\nMISMO v3.3.0\nValue\nNotEscrowed\n\nNotes\n\nRepresented as\n“NO” on form\n\nb. ONE ADDITIONAL PROPERTY COST I TEM\n\nAlong with Property Taxes and Homeowners Insurance an additional property component may exist for a loan\n(Figure 69). Implementers check the Other box and identify the component. “YES” or “NO” is provided in the\nIn Escrow? column depending on how this cost component will be paid.\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  Other: Homeowner’s Association Dues\n\nIn escrow?\nYES\nNO\nNO\n\nSee Escrow Account on page 4 for details. You must pay for other\nproperty costs separately.\n\nFigure 69. ETI&A–One “Other” Property Cost Item\n\nThe following table illustrates the third ESTIMATED_PROPERTY_COST_COMPONENT that would be added to\nthe first and second components shown above in Table 85.\n"}
diff --git a/chunks/json/66440498e2ac6ca3b27a93708d37a5dfe84c3c76295987301aafabbd3f038a17.json b/chunks/json/66440498e2ac6ca3b27a93708d37a5dfe84c3c76295987301aafabbd3f038a17.json
new file mode 100644
index 0000000000000000000000000000000000000000..4d541bf37dbc3a87fb6062b319ecea06d81fe723
--- /dev/null
+++ b/chunks/json/66440498e2ac6ca3b27a93708d37a5dfe84c3c76295987301aafabbd3f038a17.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6446,"char_start":4846,"chunk_id":"chk_31d5f78d144d7775","chunk_index":3,"chunk_sha256":"66440498e2ac6ca3b27a93708d37a5dfe84c3c76295987301aafabbd3f038a17","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_bb6c30042af83c9d","text_sha256":"66440498e2ac6ca3b27a93708d37a5dfe84c3c76295987301aafabbd3f038a17","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":"FullBathroom\n\nFiveToTenYears\n\nFullyUpdated\n\n\\\\Images\\SF4_ADU_Kitchen.png\n\nimage/png\n\nBelowGradeOne\n\nNo damage or condition issues noted.\n\nTypicalWearAndTear\n\nStandard builder grade cabinets, materials, and appliances\n\nKitchen\n\nFiveToTenYears\n\nFullyUpdated\n\nBelowGradeOne\n\nLivingRoom\n\nColonial\n\nSiteBuilt\n\nAluminum\n\nNo damage or condition issues noted.\n\nTypicalWearAndTear\n\nQuality meets market expectations for this type of dwelling.\n\nExteriorWallsAndTrim\n\nPouredConcrete\n\nBasement\n\nFoundation appears sound with typical hairline settlement cracks.\n\nTypicalWearAndTear\n\nFoundation\n\nTenToTwentyYears\n\ntrue\n\nComposition\n\nNo apparent signs of damage or leaks.\n\nTypicalWearAndTear\n\n25 year rated shingles\n\nRoof\n\nNewOrLikeNew\n\nBrand Y Windows\n\nWindows\n\nThermal Double Hung and some Casement Windows\n\nC3\n\nQ4\n\nOneToTwoFeet\n\n2\n\nThe exterior was recently painted, and new windows, shutters, and doors were installed.\n\nCentralized\n\nElectric\n\nForcedWarmAir\n\ntrue\n\nPropertyPhoto\n\n\\\\Images\\SF4_DwellingFront.png\n\nimage/png\n\nPropertyAccess\n\n\\\\Images\\SF4_PropertyAccess.png\n\nimage/png\n\nDwellingFront\n\n\\\\Images\\SF4_DwellingFront.png\n\nimage/png\n\nSubjectPropertyImprovementSketch\n\n\\\\Images\\SF4_Sketch.png\n\nimage/png\n\nSalesComparableMap\n\n\\\\Images\\SF4_SalesCompMap.png\n\nimage/png\n\nAbsorptionRateGraph\n\n\\\\Images\\SF4_AbsorptionRate.png\n\nimage/png\n\nMedianDaysOnMarketGraph\n\n\\\\Images\\SF4_MedianDaysonMarket.png\n\nimage/png\n\nPriceTrendGraph\n\n\\\\Images\\SF4_PriceTrend.png\n\nimage/png\n\nEnergyEfficientAndGreenFeaturesExhibit\n\n\\\\Images\\SF4_SolarPanels.png\n\nimage/png\n\nEnergyEfficientAndGreenFeaturesExhibit\n\n\\\\Images\\SF4_RESNET.png\n"}
diff --git a/chunks/json/664c2b639ab6ccd9cdcd6ca1880d3112a532664c8e242fcc576737200b7ad28d.json b/chunks/json/664c2b639ab6ccd9cdcd6ca1880d3112a532664c8e242fcc576737200b7ad28d.json
new file mode 100644
index 0000000000000000000000000000000000000000..182a640f9e81e25b1a56510397365253e67c8dc5
--- /dev/null
+++ b/chunks/json/664c2b639ab6ccd9cdcd6ca1880d3112a532664c8e242fcc576737200b7ad28d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":611832,"char_start":610124,"chunk_id":"chk_93cf8cde4c21ff19","chunk_index":352,"chunk_sha256":"664c2b639ab6ccd9cdcd6ca1880d3112a532664c8e242fcc576737200b7ad28d","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"664c2b639ab6ccd9cdcd6ca1880d3112a532664c8e242fcc576737200b7ad28d","token_estimate":427,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"8. 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 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\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\n13. Using information available in the normal course of business, I researched, verified, analyzed, and reported on the prior sales of the\ncomparable sales for a minimum of one year prior to the date of sale of the comparable sale.\n"}
diff --git a/chunks/json/664c33a02740e2d967d22ad67cc255781d499240aaf6155431efea9b09eea482.json b/chunks/json/664c33a02740e2d967d22ad67cc255781d499240aaf6155431efea9b09eea482.json
new file mode 100644
index 0000000000000000000000000000000000000000..3cf7428eb1573b80b518a5c0bde72f2c9c829938
--- /dev/null
+++ b/chunks/json/664c33a02740e2d967d22ad67cc255781d499240aaf6155431efea9b09eea482.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":32197,"char_start":30579,"chunk_id":"chk_aa550f8481084a0a","chunk_index":19,"chunk_sha256":"664c33a02740e2d967d22ad67cc255781d499240aaf6155431efea9b09eea482","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ae699ea5c646d934","text_sha256":"664c33a02740e2d967d22ad67cc255781d499240aaf6155431efea9b09eea482","token_estimate":405,"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":"Rent Schedule\n\nSubject Property Rental Information\n\nCurrently\nRented\nYes\n\nOccupancy\nTenant\n\nMonthly\nRent\n$2,500\n\nMonth-to-\nMonth\nNo\n\nYes\n\nYes\n\nYes\n\nTenant\n\nTenant\n\nTenant\n\n$2,550\n\n$2,500\n\n$2,600\n\nNo\n\nNo\n\nNo\n\nLease Start\n06/01/2022\n\n09/12/2022\n\n07/10/2022\n\n12/15/2022\n\nRent\nControl\nNo\n\nRent\nConcessions\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nA\n\nB\n\nC\n\nD\n\nUtilities/\nServices\nIncluded\nNo\n\nNo\n\nNo\n\nNo\n\nFurnished\nNo\n\nNo\n\nNo\n\nNo\n\nActual Income (Monthly)\n\nOpinion of Market Income (Monthly)\n\nRent\nA\n\nB\n\nC\n\nD\n\n$2,500\n\n$2,550\n\n$2,500\n\n$2,600\n\nRent\nA\n\nB\n\nC\n\nD\n\n$2,600\n\n$2,600\n\n$2,600\n\n$2,600\n\nSubtotal\n\n$10,150\n\nSubtotal\n\n$10,400\n\nOther Real Property Rental Income\n\nOther Real Property Rental Income\n\nNone\n\nSubtotal\n\n$0\n\n$0\n\nTotal\n\n$10,150\n\nNone\n\nSubtotal\n\n$0\n\n$0\n\nTotal\n\n$10,400\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 20 of 26\nPage 20 of 26\n\nRental Information (continued)\n\nComparable Rental Properties\n\nThis is where the\nDwelling Front photo\nwould display.\n\nThis is where the photo\nof 181 Cattledrive\nSt would display.\n\nThis is where the photo\nof 181 Cattledrive\nSt would display.\n\nThis is where the photo\nof 123 Something\nPl would display.\n\nThis is where the photo\nof 123 Something\nPl would display.\n\nThis is where the\nphoto of 341 Nothing\nDr would display.\n\nSubject Property\n171 Cowboy Ln\nAnyplace, TX 01234\n\nComparable #1\n181 Cattledrive St\nUnit B\nAnyplace, TX 01234\n\nComparable #2\n181 Cattledrive St\nUnit C\nAnyplace, TX 01234\n\nComparable #3\n123 Something Pl\nUnit 1\nAnyplace, TX 01234\n"}
diff --git a/chunks/json/667f04247f535453630ae9748b87570eccc63de35dac2904145bf2c5248b6fe8.json b/chunks/json/667f04247f535453630ae9748b87570eccc63de35dac2904145bf2c5248b6fe8.json
new file mode 100644
index 0000000000000000000000000000000000000000..0f705ddfeffccd72857f0b98320b04e9e93b6304
--- /dev/null
+++ b/chunks/json/667f04247f535453630ae9748b87570eccc63de35dac2904145bf2c5248b6fe8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":706094,"char_start":704489,"chunk_id":"chk_45602eb13c88f0ba","chunk_index":418,"chunk_sha256":"667f04247f535453630ae9748b87570eccc63de35dac2904145bf2c5248b6fe8","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"667f04247f535453630ae9748b87570eccc63de35dac2904145bf2c5248b6fe8","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"SUBJECT\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\n/VALUATION_RESPONSE/REPORT/@AppraisalPurposeTypeOtherDescription\n\n4000\n\n/VALUATION_RESPONSE/PARTIES/LENDER/@_UnparsedName\n\n/VALUATION_RESPONSE/PARTIES/LENDER/@AppraisalFormsUnparsedAd\ndress\n\nSUBJECT\n\n40\n\nSUBJECT\n\nIs the subject property currently offered\nfor sale or has it been offered for sale in\nthe twelve months prior to the effective\ndate of the appraisal?\nYes\n\nIs the subject property currently offered\nfor sale or has it been offered for sale in\nthe twelve months prior to the effective\ndate of the appraisal?\nNo\n\nListed Within\nPrevious Year\nIndicator\n\nListed Within\nPrevious Year\nIndicator\n\ne-2\n\nSUBJECT\n\nReport data source(s) used, offering\nprice(s), and date(s).\n\nGSE Days On\nMarket Description\n"}
diff --git a/chunks/json/6681df5da29ac6cc055f6d75880c81c5de93d36b92ca512eb660795957590092.json b/chunks/json/6681df5da29ac6cc055f6d75880c81c5de93d36b92ca512eb660795957590092.json
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+++ b/chunks/json/6681df5da29ac6cc055f6d75880c81c5de93d36b92ca512eb660795957590092.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":18106,"char_start":16390,"chunk_id":"chk_342539c09e8c5895","chunk_index":25,"chunk_sha256":"6681df5da29ac6cc055f6d75880c81c5de93d36b92ca512eb660795957590092","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"6681df5da29ac6cc055f6d75880c81c5de93d36b92ca512eb660795957590092","token_estimate":429,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Overview\n\nThe primary purpose of the Implementation Guide (iGuide) is to provide designers of the new Completion Report with an understanding of the MISMO\nversion 3.6 Reference Model (MISMO v3.6) and how the data will be displayed in a dynamic PDF document.\n\nThis document serves as a guide to assist with data mapping, field formats, and the PDF representation of the report. It is not a comprehensive developer’s\nguide.\n\nIn some sections, a table is used to define the fields in that section.\n\n• Report Field ID (FID): Red numbers super-imposed on the sample Completion Report.\n\nPage 7\n\n• Report Label: Name of the field as shown on the Completion Report.\n• Unique ID (UID): This column lists the unique number assigned to each instance of a MISMO data point.\n• MISMO Data Point Name: This column lists the MISMO data point for the associated data element.\n• Display Rules: Documents display rules associated with a given data element.\n\nThe following typefaces and colors are used throughout this document:\n\n• Completion Report Section and Subsection Names, are represented in bold, (e.g., Subject Property, Original Appraisal, Completion Report\n\nCommentary)\n\n• Report field labels are represented in italics, (e.g., Borrower Name, Physical Address)\n\n• On Completion Report excerpts and when form fields are referenced, a red superimposed number identifies a Report Field ID, (e.g., FID: 01.001)\n\nPage 8\n\nReport PDF\n\nThe Completion Report is a dynamic data-driven, flexible report with sections (black tabs) that vary based on information contained in the report. See\nAppendix E - Report Style Guide, which includes specifications for the overall design elements that apply to all pages of the Completion Report.\n"}
diff --git a/chunks/json/6682c2c7506e70e6e405ec30374ae6b5ef54783266c9856fc08966397e3d2eec.json b/chunks/json/6682c2c7506e70e6e405ec30374ae6b5ef54783266c9856fc08966397e3d2eec.json
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diff --git a/chunks/json/6682c74e8d052b4880bcbdd4c0e3b969c763df7f35074b024012c5afa3a4c3ce.json b/chunks/json/6682c74e8d052b4880bcbdd4c0e3b969c763df7f35074b024012c5afa3a4c3ce.json
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diff --git a/chunks/json/6683207f3d5715012ac4e33ab9a59eca6e0805f91384f3810b64d7d15112b160.json b/chunks/json/6683207f3d5715012ac4e33ab9a59eca6e0805f91384f3810b64d7d15112b160.json
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index 0000000000000000000000000000000000000000..a4c486958b0b204ac3d1171546a6fb2c552b2f04
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+++ b/chunks/json/6683207f3d5715012ac4e33ab9a59eca6e0805f91384f3810b64d7d15112b160.json
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+{"chunk":{"char_end":233036,"char_start":231205,"chunk_id":"chk_51aca3aeae16f8c0","chunk_index":134,"chunk_sha256":"6683207f3d5715012ac4e33ab9a59eca6e0805f91384f3810b64d7d15112b160","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"6683207f3d5715012ac4e33ab9a59eca6e0805f91384f3810b64d7d15112b160","token_estimate":458,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Yes 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\nPublic Street\nCollector Street | Asphalt\nYes\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 3 of 18\nPage 3 of 18\n\nSite (continued)\n\nSite Influence\n\nInfluence\nApparent Environmental\nCondition\n\nProximity\nOffsite | 1 Mile\n\nDetail\nHazardous Substances\n\nImpact\nNeutral\n\nBody of Water\n\nOffsite\n\nRiver\n\nBeneficial\n\nComment\nRainwater runoff can\ncarry pesticides, plastics,\nwastewater, and agricultural\nrunoff that is released into\nthe Potomac.\n\nThe Potomac River is\napproximately 1 mile from\nthe subject’s location.\n\nSite Influence Commentary The site is located approximately one mile from the Potomac River. This location provides beneficial water views\nfor units located above the third floor, on the side of the buildings facing the river. Units on the opposite side of the building do not have water\nviews. In regards to the environmental condition, pollutants have been identified and can contain Endocrine Disruptors (EDCs) that are not\ncompletely removed in treatment plants. During periods shortly after heavy rainstorms, the residents in the area are advised not to swim in\nthe Potomac River due to these hazards. Even so, there is no measurable adverse impact on marketability or values concerning the subject.\nThe demand for housing in the subject’s market has remained consistent over the years.\n"}
diff --git a/chunks/json/668771169458df271b495346ddb5d6191af3cda2c35253ac071829d450b1e90f.json b/chunks/json/668771169458df271b495346ddb5d6191af3cda2c35253ac071829d450b1e90f.json
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index 0000000000000000000000000000000000000000..5747ae30595da03c9f27fcf47985bc4287b397d5
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+++ b/chunks/json/668771169458df271b495346ddb5d6191af3cda2c35253ac071829d450b1e90f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":136770,"char_start":135165,"chunk_id":"chk_f61da83dd6b155dc","chunk_index":73,"chunk_sha256":"668771169458df271b495346ddb5d6191af3cda2c35253ac071829d450b1e90f","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"668771169458df271b495346ddb5d6191af3cda2c35253ac071829d450b1e90f","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"I. CASH TO CLOSE TABLE DATA\n\n1.\n\nINTRODUCTION\n\nThe MISMO standard was created and continues to be updated and expanded in support of mortgage industry forms and\ndatasets. The vast majority of the data created to support these business cases can be used across the loan life cycle and\nsupport commonly understood industry practice and usage. These data points are referred to in the UCD I-Guide as “general\nuse” data, or as being located in “the body of the Reference Model”.\n\nIn MISMO, data points and definitions also can be created to support a specific form. The definitions are based on form\nor dataset context and usage, and generally are not used outside of the processes they support. Examples include data points\nrepresenting the results of specific form calculations and data defined differently from normal industry practice. A specific\nexample from the CD is the “Product” field. First, the valid values for “Product” are explicitly defined by TRID. Second, if the\nloan is delivered into a specific business context, say the secondary mortgage market, the product data from the CD form\nmay not conform to an investor’s product definitions. To accommodate these “document specific” data, a special structure\nexists within the MISMO Reference Model. Document specific containers and data points in UCD v2.0 reside under\nDOCUMENT_SPECIFIC_DATA_SET in the INTEGRATED_DISCLOSURE container shaded in blue. Integrated Disclosure\ndocuments are the Loan Estimate (LE) and the CD.\n\nFigure 43. CD-Specific Data in MISMO v3.3.0.\n\nUCD v2.0 Implementation Guide\n\n- 59 -\n\nVersion 1.0\n\nUniform Closing Dataset\n"}
diff --git a/chunks/json/66890a1ab8f22bd72bf5924f94096d6514b3af9c6ec34289ff376be60301e556.json b/chunks/json/66890a1ab8f22bd72bf5924f94096d6514b3af9c6ec34289ff376be60301e556.json
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index 0000000000000000000000000000000000000000..91ab31d2a997ac2f19defa072fd4945c79a1bb84
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+++ b/chunks/json/66890a1ab8f22bd72bf5924f94096d6514b3af9c6ec34289ff376be60301e556.json
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+{"chunk":{"char_end":434097,"char_start":432356,"chunk_id":"chk_847c2febbf66dc95","chunk_index":254,"chunk_sha256":"66890a1ab8f22bd72bf5924f94096d6514b3af9c6ec34289ff376be60301e556","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"66890a1ab8f22bd72bf5924f94096d6514b3af9c6ec34289ff376be60301e556","token_estimate":436,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"If a street exists, at least one of fields 1-\n115, 1-116 (values of Property Off Site\nImprovement Ownership Type) should\nbe indicated.\n\nIf a street exists, at least one of fields 1-\n115, 1-116 (values of Property Off Site\nImprovement Ownership Type) should\nbe indicated.\n\n/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[@_Ty\npe='Alley']/@_Description\n\n25\n\nString\n\nUAD Instruction - Refer to Appendix D Site Section\nThis field should indicate the alley type. The value 'None' should be indicated if none\nis present.\n\nIf utilities are present, at least one of\nfields 1-105, 1-106 (Site Utility Public\nIndicator = 'Y' or Site Utility Non\nPublic Indicator = 'Y') must be\nindicated. If no utilities are present\n'None' must be populated in field 1-107\n(Site Utility Non Public Description).\n\nIf utilities are present, at least one of\nfields 1-105, 1-106 (Site Utility Public\nIndicator = 'Y' or Site Utility Non\nPublic Indicator = 'Y') must be\nindicated. If no utilities are present\n'None' must be populated in field 1-107\n(Site Utility Non Public Description).\n\nIf field 1-106 (Site Utility Non Public\nIndicator) is indicated, this field is\nrequired. If no utilities are present\n'None' must be populated.\n\nIf utilities are present, at least one of\nfields 1-108, 1-109 (Site Utility Public\nIndicator = 'Y' or Site Utility Non\nPublic Indicator = 'Y') must be\nindicated. If no utilities are present\n'None' must be populated in field 1-110\n(Site Utility Non Public Description).\n\nIf utilities are present, at least one of\nfields 1-108, 1-109 (Site Utility Public\nIndicator = 'Y' or Site Utility Non\nPublic Indicator = 'Y') must be\nindicated. If no utilities are present\n'None' must be populated in field 1-110\n(Site Utility Non Public Description).\n"}
diff --git a/chunks/json/668dfb6946f1a1e20923cf2207906c75d3ff98e415fa28e013c4bf13ba45a80f.json b/chunks/json/668dfb6946f1a1e20923cf2207906c75d3ff98e415fa28e013c4bf13ba45a80f.json
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index 0000000000000000000000000000000000000000..c2d09e35af511e40e93d81d9d48338c1da3e5175
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+++ b/chunks/json/668dfb6946f1a1e20923cf2207906c75d3ff98e415fa28e013c4bf13ba45a80f.json
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+{"chunk":{"char_end":67793,"char_start":65378,"chunk_id":"chk_e754d02202950f1e","chunk_index":39,"chunk_sha256":"668dfb6946f1a1e20923cf2207906c75d3ff98e415fa28e013c4bf13ba45a80f","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"668dfb6946f1a1e20923cf2207906c75d3ff98e415fa28e013c4bf13ba45a80f","token_estimate":604,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"*Other: If the financing type is not on this list,\nthe appraiser must enter a description of the\nfinancing type. The text must fit in the\nallowable space.\n\nNote: Below-market financing can have an\nimpact on market values and therefore is of\nparticular importance. A variety of government\nprograms, such as state and local bond\nprograms, provide below-market financing.\nThe appraiser must indicate if sales\ntransactions with below-market financing are\nused for comparable sales.\n\nReporting Format:\nLine 1: Sale Type – Appraiser must select\none value from the specified list\nLine 2: Financing Type – Appraiser must\nselect one value from the specified list\nDescription of ‘Other Financing Type’ (if\napplicable) – Tex\nConcession Amount – Numeric, whole\nnumbers only\nThe PDF creator will automatically insert a\nsemicolon to separate the data values.\nExample:\nLine 1: ArmLth\nLine 2: FHA;5000\n\nPage 37 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\nDate of Sale/Time\nFor each comparable property, the appraiser\nmust first identify the status type from the list\nof options below.\n\nActive\n\nContract\n\nExpired\n\nWithdrawn\n\nSettledsale\n\nIf the comparable property is an active listing,\nthe appraiser must specify ‘Active’.\nIf the comparable property is under contract,\nor an expired or withdrawn listing, the\nappraiser must first indicate the date status\ntype using the abbreviations below followed\nby the corresponding contract, expiration, or\nwithdrawal date in mm/yy format. Use ‘c’ for\ncontract, ‘w’ for withdrawn listings, and ‘e’ for\nexpired listings.\nIf the comparable property is a settled sale\nand the contract date is known, the appraiser\nmust first indicate the date status type ‘s’\nfollowed by the settlement date (mm/yy), and\nthen the date status type ‘c’ followed by the\ncontract date (mm/yy). For settled sales for\nwhich the contract date is unavailable to the\nappraiser in the normal course of business,\nthe appraiser must enter the abbreviation\n‘Unk’, for unknown, in place of the contract\ndate.\n"}
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index 0000000000000000000000000000000000000000..2e22bfc050be2542b24ec605c25653fee440d695
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+++ b/chunks/json/66a57fcda70f821b0b5677ddd27c215678fe2ba9d664a12f84f13940a2443b99.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11319,"char_start":9713,"chunk_id":"chk_b22ea78ead193d5b","chunk_index":6,"chunk_sha256":"66a57fcda70f821b0b5677ddd27c215678fe2ba9d664a12f84f13940a2443b99","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_3c01f0202cf532fe","text_sha256":"66a57fcda70f821b0b5677ddd27c215678fe2ba9d664a12f84f13940a2443b99","token_estimate":402,"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":"Comp1 Primary\n\n0\n\nAccessoryDwellingUnitLocation\n\nComp1 ADU\n\n0\n\nLivingUnitBedroomCount\n\nComp1 ADU\n\n-1840\n\nLivingUnitStandardFinishedAreaAboveGrade\n\nComp1 ADU\n\n-50000\n\nOverallConditionRating\n\n5000\n\nOutdoorLivingAmenity\n\n20000\n\nWaterFeaturesAmenity\n\n10000\n\nVehicleStorage\n\n-20000\n\nOutbuilding\n\n783100\n\n221\n\nNorth\n\nMost\n\nfalse\n\n1\n\n3.9\n\n-41900\n\nfalse\n\nfalse\n\nDwelling\n\n1980\n\nCarpet,Vinyl\n\nFlooring\n\nFullyUpdated\n\n8 Ft. Ceilings\n\nWallsAndCeiling\n\n395\n\n3228\n\n1581\n\nfalse\n\n5\n\n3\n\n1\n\nC3\n\nQ3\n\nMid-High Quality Finishes\n\nNotUpdated\n\nComp1 Primary\n\nMid Grade Quality\n\nKitchen\n\nFullyUpdated\n\n500\n\n0\n\ntrue\n\n1\n\n1\n\n0\n\nC4\n\nQ4\n\nComp1 ADU\n\nColonial\n\nVinyl\n\nExteriorWallsAndTrim\n\nMetal\n\nRoof\n\nC3\n\nQ4\n\n2\n\nForcedWarmAir\n\nfalse\n\nOutbuilding\n\ntrue\n\nStable\n\nElectricity\n\n0\n\n864\n\nPropertyPhoto\n\n\\\\Images\\SF3_Comp1.png\n\nimage/png\n\n7\n\n855000\n\nSettledSale\n\n58.712134\n\n-87.784969\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\ntrue\n\nFeeSimple\n\nfalse\n\nfalse\n\nfalse\n\n2019-06-01\n\n2019-08-01\n\n825000\n\nSale\n\n2015-02-23\n\n677250\n\nSale\n\nTypicallyMotivated\n\nNone\n\nAsphalt\n\nLocal\n\nfalse\n\n15.15\n\nFull\n\nPastoral\n\n38243 Place Rd\n\nOut There\n\n56789\n\nVA\n\nDriveway\n\nAsphalt\n\n6\n\nfalse\n\nDetached\n\nGarage\n\n2\n\n0\n\nContractDate\n\n0\n\nSaleDate\n\n0\n\nSiteSize\n\n0\n\nYearBuilt\n\n0\n\nEnergyEfficientAndGreenFeatures\n\n-20640\n\nLivingUnitStandardFinishedAreaAboveGrade\n\nComp2 Primary\n\n13760\n\nLivingUnitStandardFinishedAreaBelowGrade\n\nComp2 Primary\n\n6700\n\nLivingUnitUnfinishedAreaBelowGrade\n\nComp2 Primary\n\n0\n\nAccessoryDwellingUnitLocation\n\nComp2 ADU\n\n0\n\nLivingUnitBedroomCount\n\nComp2 ADU\n\n18560\n\nLivingUnitStandardFinishedAreaAboveGrade\n\nComp2 ADU\n"}
diff --git a/chunks/json/66bdb64bee40d422c9b06add5d8828365c824e8b25c6aefbc77fed2078ce8d68.json b/chunks/json/66bdb64bee40d422c9b06add5d8828365c824e8b25c6aefbc77fed2078ce8d68.json
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index 0000000000000000000000000000000000000000..0d6182069be8aa973111278a4f10eb1a4f6ce48c
--- /dev/null
+++ b/chunks/json/66bdb64bee40d422c9b06add5d8828365c824e8b25c6aefbc77fed2078ce8d68.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":376080,"char_start":374394,"chunk_id":"chk_006358949d64181e","chunk_index":209,"chunk_sha256":"66bdb64bee40d422c9b06add5d8828365c824e8b25c6aefbc77fed2078ce8d68","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"66bdb64bee40d422c9b06add5d8828365c824e8b25c6aefbc77fed2078ce8d68","token_estimate":432,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"1512.11 Utilities 1/1/14 to 4/14/14\n16\n\n12.0.1\n\n12.1.1\n\n12.2.1\n\n12.3.1\n\n12.4.1\n\n12.5.1\n\n12.6.1\n\n12.7.1\n\n12.8.1\n\n12.9.1\n\n12.10.1\n\n12.11.1\n\n$227,015.00\n\n$10,000.00\n\n$211,000.00\n\n$2,000.00\n\n$2,500.00\n\n$750.00\n\n$300.00\n\n$365.00\n\n$100.00\n\nFigure 97. SOT Borrower’s Side – Paid Already by or on Behalf of Borrower at Closing\n\nThe data points used to provide the Section L heading (12.0) and subtotal (12.0.1) are shown in the table below.\n\nTable 113. Paid Already by or on Behalf of Borrower at Closing\n\nID\n\nForm Field Name MISMO v3.3.0 Context\n\nMISMO v3.3.0\nData\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\n12.0.1\n\n12.0\n\nL. Paid Already by\nor on Behalf of\nBorrower at\nClosing ($)\n\nL. Paid Already by\nor on Behalf of\nBorrower at\nClosing\n\n…/INTEGRATED_DISCLOSURE\n_SECTION_SUMMARY_DETAI\nL\n\nIntegratedDisclos\nureSectionTotalA\nmount\n\n227,015.00\n\nROF as\n“$227,015.00”\n\nIntegratedDisclos\nureSectionType\n\nPaidAlreadyByOrO\nnBehalfOfBorrowe\nrAtClosing\n\nROF as “L. Paid\nAlready by or on\nBehalf of Borrower\nat Closing”\n\nAppendix E: UCD Implementation Guide\n\nPage 172 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\n12. 1 DEPOSI T\n\nThe total of any deposit amount that is paid to the seller, or held in trust or escrow by an attorney or other party\nunder the terms of the sales contract, is presented on the form as illustrated in the following figure. If the\nborrower’s deposit has been applied toward a charge for a closing cost, the amount applied should not be\nincluded here, but instead should be shown on the appropriate line for the closing cost in either the Loan Costs\nor Other Costs tables, designated as Borrower-Paid Before Closing.\n"}
diff --git a/chunks/json/66bdc5244a4cbc4f669b28c92f438b21a807156df662024002d3aec57344b467.json b/chunks/json/66bdc5244a4cbc4f669b28c92f438b21a807156df662024002d3aec57344b467.json
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index 0000000000000000000000000000000000000000..ec0b8bb976b468be77042d4da15532e27ac7f406
--- /dev/null
+++ b/chunks/json/66bdc5244a4cbc4f669b28c92f438b21a807156df662024002d3aec57344b467.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":285776,"char_start":284316,"chunk_id":"chk_39fa4752e76c9b7a","chunk_index":152,"chunk_sha256":"66bdc5244a4cbc4f669b28c92f438b21a807156df662024002d3aec57344b467","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"66bdc5244a4cbc4f669b28c92f438b21a807156df662024002d3aec57344b467","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"8.6.2\n\n$109.00 8.6.3\n\n8.6.4\n\n8.6.5\n\n8.6.6\n\nCo.\n\n038.7 Prepaid Interest 8.7.1 ($17.44 per day from 4/15/14\n\n8.7.2\n\n$279.04 8.7.3\n\n8.7.4\n\n8.7.5\n\n8.7.6\n\nto 4/30/14)\n\n048.8 Property Taxes 8.8.1 (6 mo.) to Any County USA\n\n058.9 8.9.1\n\n8.8.2\n\n8.9.2\n\n8.8.3\n\n8.9.3\n\n8.8.4\n\n8.9.4\n\n8.8.5\n\n$631.80 8.8.6\n\n8.9.5\n\n8.9.6\n\nFigure 83. Prepaids Line Items\n\nAll Prepaids line items are disclosed according to the following pattern (as illustrated in Figure 83) except for\nPrepaid Interest.\n\n1.\n\nIdentify the prepaid item (8.5 – 8.9). For non-Regulation specified item names, implementers must use\nclear and conspicuous terminology describing the service or function paid for.\n\n2. Except for Property Taxes, RegulationZPointsAndFeesIndicator must be included for every charge in\n\nsupport of ATR/QM.\n\n3.\n\nIdentify the number of months covered by the prepayment and the payee company name.\n\n4. Determine if the payment was broken out across multiple payors or was paid at different times relative to\n\nclosing.\n\na.\n\na.\n\nIf paid by one payor at one time, disclose the full amount of the charge in the appropriate column. If the\npayment was broken out, disclose all payors, their portion of the charge, and at what time they paid it\nrelative to closing.\n\nIf the charge was paid by a third party, no timing information is needed. If the third-party payor is the\nlender, precede the amount paid by the indicator “(L).”\n\nAppendix E: UCD Implementation Guide\n\nPage 130 of 254\n"}
diff --git a/chunks/json/66c4a4168846a1cb98e2b261c2d55d88a826e865d94e7926b030987ad829ebd2.json b/chunks/json/66c4a4168846a1cb98e2b261c2d55d88a826e865d94e7926b030987ad829ebd2.json
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index 0000000000000000000000000000000000000000..426ab3dc0c265f9cc6d3dde0dc1fffdbf74dbbf2
--- /dev/null
+++ b/chunks/json/66c4a4168846a1cb98e2b261c2d55d88a826e865d94e7926b030987ad829ebd2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":14637,"char_start":14555,"chunk_id":"chk_9865a5ec60a22c55","chunk_index":4,"chunk_sha256":"66c4a4168846a1cb98e2b261c2d55d88a826e865d94e7926b030987ad829ebd2","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"66c4a4168846a1cb98e2b261c2d55d88a826e865d94e7926b030987ad829ebd2","token_estimate":21,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf","below_target_min_tokens"]},"text":"UCD v2.0 Implementation Guide\n\niv\n\nVersion 1.0\n\nUniform Closing Dataset\n\nContents\n"}
diff --git a/chunks/json/66cdf3070118dcf3021b8946cf86fb0c15c2687604b59da738a2f76c6e4d1ce5.json b/chunks/json/66cdf3070118dcf3021b8946cf86fb0c15c2687604b59da738a2f76c6e4d1ce5.json
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index 0000000000000000000000000000000000000000..89ce1886757e0b3bcf35ee8ca172c8885f2ece4c
--- /dev/null
+++ b/chunks/json/66cdf3070118dcf3021b8946cf86fb0c15c2687604b59da738a2f76c6e4d1ce5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1685,"char_start":0,"chunk_id":"chk_ffa9711415f86f9d","chunk_index":0,"chunk_sha256":"66cdf3070118dcf3021b8946cf86fb0c15c2687604b59da738a2f76c6e4d1ce5","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8c2c514a9a3ca3c8","text_sha256":"66cdf3070118dcf3021b8946cf86fb0c15c2687604b59da738a2f76c6e4d1ce5","token_estimate":422,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-readiness-checklist-lenders.pdf"]},"text":"UCD v2.0 Initiative Readiness Checklist for Lenders\nLenders who rely on vendor-provided software to prepare and deliver Uniform Closing Dataset (UCD) XML\nfiles to the GSEs are responsible for ensuring submitted data meets GSE requirements.\n\nThe purpose of this checklist is to provide a suggested process for working with your directly\nintegrated vendor(s) (Software Partners and Technology Service Providers (TSPs)) to meet the mandates\nfor UCD v2.0 Specification (UCD v2.0) and the specification version, Phase 3B Postponed and Phase 4\nCrtical Edits.\n\nBefore the UCD v2.0 Release is Available from Your Vendor\n\nReview Fee Mapping\n\n Familiarize your teams with the 73 new ucd:FeeItemType enumerations listed in Tab 9 of the\n\nUCD v2.0 Specification:\n\n• Use the new Key Word Search in Column B to identify enumerations that are similar to\n\nthe terms you use today and may more accurately describe the fee charged.\n• Use the Column E - Enumeration Definition and Column F - ucd:FeeItemType\n\nImplementation Notes columns to help map enumerations to your internal system terms.\n\n• Filter on “Delete” under Column G - Status to note the v1.5 enumerations that are no\n\nlonger valid in UCD v2.0. If deleted enumerations are included in the XML file, the file will\nfail in both test and production.\n\n Train staff and update documentation to use the new fee enumerations instead of using\n\nucd:FeeItemType = “Other” and ucd:FeeItemTypeOtherDescription.\n\nReview the UCD v2.0 Critical Edits Matrix\n\n Become familiar with the new UCD Critical Edits Phase 3B Postponed and Phase 4\n\nrequirements to gain an understanding of the data that will return a critical edit if missing or sent\nincorrectly.\n"}
diff --git a/chunks/json/66d05c0e8a0fdf0d6173178bddfd161cb19abee75f85f8eb262d06a12f9ac159.json b/chunks/json/66d05c0e8a0fdf0d6173178bddfd161cb19abee75f85f8eb262d06a12f9ac159.json
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index 0000000000000000000000000000000000000000..06d54d2d16b1a4d81fda5d88730bb36ab580a4a0
--- /dev/null
+++ b/chunks/json/66d05c0e8a0fdf0d6173178bddfd161cb19abee75f85f8eb262d06a12f9ac159.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":282674,"char_start":280817,"chunk_id":"chk_92bfc8e42b8294c0","chunk_index":150,"chunk_sha256":"66d05c0e8a0fdf0d6173178bddfd161cb19abee75f85f8eb262d06a12f9ac159","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"66d05c0e8a0fdf0d6173178bddfd161cb19abee75f85f8eb262d06a12f9ac159","token_estimate":464,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Transfer Taxes\n\nROF as “Transfer\nTaxes”\n\nIntegratedDisclosure\nSectionType\n\nTaxesAndOtherGover\nnmentFees\n\nFullName\n\nState of Maryland\n\nJurisdiction payee\n\nAppendix E: UCD Implementation Guide\n\nPage 128 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\n8.3.4 Transfer Taxes Seller-\n\nPaid At Closing ($)\n\n…/FEE/FEE_PAYMEN\nTS/FEE_PAYMENT\n\nFeeActualPaymentA\nmount\n\n950.00\n\nROF as “$950.00”\n\n8.3.4 Seller-Paid\n\n8.3.4 At Closing\n\nFeePaymentPaidByTy\npe\n\nSeller\n\nFeePaymentPaidOuts\nideOfClosingIndicator\n\nfalse\n\nFifth Instance of FEE\n\nROF as “Seller-Paid”\n\nROF as “At Closing”\non form\n\nTransfer Taxes\n\n…/FEE/FEE_DETAIL\n\nFeeType\n\nTransferTaxTotal\n\n8.3\n\n8.3\n\nTransfer Taxes\n\n8.3 N/A\n\n8.3.1 Transfer Taxes to\n\nMontgomery County\n\n…/FEE/FEE_PAID_TO\n/LEGAL_ENTITY/LEGA\nL_ENTITY_DETAIL\n\n@gse:DisplayLabelTe\nxt\n\nTransfer Taxes\n\nROF as “Transfer\nTaxes”\n\nIntegratedDisclosure\nSectionType\n\nTaxesAndOtherGover\nnmentFees\n\nFullName\n\nMontgomery County Jurisdiction Payee\n\n8.3.2 Transfer Taxes\n\nBorrower-Paid At\nClosing ($)\n\n8.3.2 Borrower-Paid\n\n8.3.2 At Closing\n\n1. MAPPI NG GUI DANCE\n\n…/FEE/FEE_PAYMEN\nTS/FEE_PAYMENT\n\nFeeActualPaymentA\nmount\n\n900.00\n\nROF as “$900.00”\n\nFeePaymentPaidByTy\npe\n\nBuyer\n\nFeePaymentPaidOuts\nideOfClosingIndicator\n\nfalse\n\nROF as “Borrower-\nPaid” on form\n\nROF as “At Closing”\non form\n\nTaxes and Other Government Fees line items are represented using data points within the FEE container\nstructure. FEE repeats for each fee disclosed on the form (see REPEATABLE CONTAINER S in Section V). The child\ncontainer FEE_DETAIL groups the data points identifying the fee, and the child container FEE_PAYMENT then\nbreaks out the fee payments by the amount, payor and timing relative to closing.\n"}
diff --git a/chunks/json/66e0f3bbecb0ea95c567a0db2b13c2211c549ea92a9cd2de43d1c58e318e1d13.json b/chunks/json/66e0f3bbecb0ea95c567a0db2b13c2211c549ea92a9cd2de43d1c58e318e1d13.json
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index 0000000000000000000000000000000000000000..5f086ba496a8ffeb3e2f5a537365df1759a013ca
--- /dev/null
+++ b/chunks/json/66e0f3bbecb0ea95c567a0db2b13c2211c549ea92a9cd2de43d1c58e318e1d13.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12369,"char_start":10567,"chunk_id":"chk_77a3330306e64a48","chunk_index":6,"chunk_sha256":"66e0f3bbecb0ea95c567a0db2b13c2211c549ea92a9cd2de43d1c58e318e1d13","date_utc":"2026-01-27T17:48:05+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_48d996c17b5aede9","text_sha256":"66e0f3bbecb0ea95c567a0db2b13c2211c549ea92a9cd2de43d1c58e318e1d13","token_estimate":449,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Borrower_Education_Materials___FHFA_c9gk27l.md"]},"text":"- ## Avoiding Foreclosure\n\nImage\n\n![Ethnic couple and broker](/sites/default/files/styles/landscape_medium_408_x_228_/public/images-import/image-ethnic-couple-and-broker.jpg?h=7bc5cf4e&itok=5HTp6UPF)\n\n#### Tips on Avoiding Foreclosure\n\n- [CFPB: How to Avoid Foreclosure](/mortgage-translations/document/cfpb-how-to-avoid-foreclosure)\n- [Mortgage Assistance Application](/mortgage-translations/document/mortgage-assistance-application)\n- Save Your Home: Tips to Avoid Foreclosure (FHA)\n- [Federal Housing Administration (FHA): Important Disaster Recovery Information](/mortgage-translations/document/federal-housing-administration-fha-important-disaster-recovery-information)\n\n#### Avoid Scams\n\n- [CFPB: Don't get scammed: How to Spot and Avoid Mortgage Assistance and Foreclosure Relief Scams](/mortgage-translations/document/cfpb-dont-get-scammed-how-to-spot-and-avoid-mortgage-assistance-and-foreclosure-relief-scams)\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/66ea879eab1b3f0182e00f1d2a4f59f7e26325179255920a3f6f3225a0be7bde.json b/chunks/json/66ea879eab1b3f0182e00f1d2a4f59f7e26325179255920a3f6f3225a0be7bde.json
new file mode 100644
index 0000000000000000000000000000000000000000..5ef33ef80e5eb6c69d67593391aaf3fc08b9411a
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+++ b/chunks/json/66ea879eab1b3f0182e00f1d2a4f59f7e26325179255920a3f6f3225a0be7bde.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":4995,"char_start":3337,"chunk_id":"chk_09ac73cea752bac2","chunk_index":2,"chunk_sha256":"66ea879eab1b3f0182e00f1d2a4f59f7e26325179255920a3f6f3225a0be7bde","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"66ea879eab1b3f0182e00f1d2a4f59f7e26325179255920a3f6f3225a0be7bde","token_estimate":414,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"© 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\nUAD 3.6 SSR PDF\nThe UAD 3.6 SSR PDF is organized into three sections:\n\n• Loan Metadata displays the overall loan-level documentation and provides a consolidated view of all appraisal report\n\nfile submission results under a single Document File ID.\n\n• Document Level Results displays the results of the appraisal report file submission, identified by a Document ID.\n\n• Submission Findings Results are tied to the Document Level Results of each appraisal report file submission and\n\npresent the messages specific to that submission (at the Document ID level).\n\nLoan Metadata\nDocument File ID\n\nDocument Level Results\nDocument ID\n\nSubmission\nFindings Results\n\nNote: Sample Fannie Mae SSR PDF shown.\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\nSSR PDF Dynamic Structure\n\nEach SSR PDF can include up to three URARs labeled as Appraisal 1, 2, or 3, and up to two additional reports associated\nwith each URAR, such as the Restricted Appraisal Update Report and the Completion Report.\n\n• For each URAR sequence:\n\no Appraisal 1 is required and cannot be deleted once submitted. Revisions can be made via resubmissions\n\nto UCDP.\n\no Appraisal 2 is optional, can be revised, and can be deleted if not required.\n"}
diff --git a/chunks/json/66f526d1d4d37781b61d5ba70e8694f067b64985e77dfee46d85f5d8be238901.json b/chunks/json/66f526d1d4d37781b61d5ba70e8694f067b64985e77dfee46d85f5d8be238901.json
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+{"chunk":{"char_end":166710,"char_start":164151,"chunk_id":"chk_3d4332699e6633cd","chunk_index":96,"chunk_sha256":"66f526d1d4d37781b61d5ba70e8694f067b64985e77dfee46d85f5d8be238901","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"66f526d1d4d37781b61d5ba70e8694f067b64985e77dfee46d85f5d8be238901","token_estimate":640,"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 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1)\n\nUniform Residential Appraisal Report\n\nPage 22 of 22\nPage 22 of 22\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/6732b3976a89b66537297531945aa3048c2e43d46f0ece90d19a03bc2c1a04c6.json b/chunks/json/6732b3976a89b66537297531945aa3048c2e43d46f0ece90d19a03bc2c1a04c6.json
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+{"chunk":{"char_end":391607,"char_start":389994,"chunk_id":"chk_58f24efa9c74caca","chunk_index":229,"chunk_sha256":"6732b3976a89b66537297531945aa3048c2e43d46f0ece90d19a03bc2c1a04c6","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"6732b3976a89b66537297531945aa3048c2e43d46f0ece90d19a03bc2c1a04c6","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"A free-form text describing the offering\nprices, dates, and data sources of the\nprevious twelve (12) months of listing.\n\n/VALUATION_RESPONSE/PROPERTY/LISTING_HISTORY/@ListedWithinP\nreviousYearDescription\n\n4000\n\nString\n\n44\n\n45\n\n1\n\n1\n\n42\n\nCONTRACT\n\nI did analyze the contract for\nsale for the subject purchase\ntransaction.\n\nSales Contract\nReviewed Indicator\n\nIndicates that the sales contract has been\nreviewed.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@_ReviewedIn\ndicator=‘Y’]\n\n43\n\nCONTRACT\n\nI did not analyze the contract for\nsale for the subject purchase\ntransaction.\n\nSales Contract\nReviewed Indicator\n\nIndicates that the sales contract has been\nreviewed.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@_ReviewedIn\ndicator=‘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\n46\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_CONT\nRACT_EXTENSION/SALES_CONTRACT_EXTENSION_SECTION[@Extensi\nonSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/SALES_CONTRACT_EXTENSION_SECTION_DATA/SALES_T\nRANSACTION/@GSESaleType\n\n17\n\nEnumerated\n\n47\n\n1\n\n44\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/@_ReviewCom\nment\n"}
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+{"chunk":{"char_end":10250,"char_start":8623,"chunk_id":"chk_7838676fe0c9a878","chunk_index":5,"chunk_sha256":"6732f60a73ba5782c5e4921d6f2ca42d68b670cc6e4574e6d96b2ee41e913a85","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"6732f60a73ba5782c5e4921d6f2ca42d68b670cc6e4574e6d96b2ee41e913a85","token_estimate":407,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"Field # Field\nWidth\n1\n\n13\n\nsex_coborr\n\nCo-Borrower Sex\n\n14\n15\n\n1\n1\n\nunits_num\nafford_sf\n\nNumber of Units\nUnit - Affordability\nCategory\n\n1 = Male\n2 = Female\n3 = Information is not provided by the\nborrower in a mail or telephone\napplication\n4 = Not applicable\n5 = No co-borrower\n9 = Missing\n1\n1 = Low-income family (but not very\nlow-income) in a low-income area\n2 = Very low-income family in a low-\nincome area\n3 = Very low-income family not in a low-\nincome area\n4 = Other\n9 = Not available\n0 = Missing\n\nAlways 1 in this file\n\nEnd of SF NFA\n\nSF NFA\n\n7\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nSingle-Family Properties\nNational File B\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nenterprise\n\nEnterprise Flag\n\n1 = Fannie Mae\n2 = Freddie Mac\n\n2\n\n8\n\nrecord_num_sf_nfb\n\nRecord Number\n\nStarts at 10,000,001 for Fannie Mae\nand 20,000,0001 for Freddie Mac\n\nmetro\n\nMetropolitan Statistical\nArea (MSA) Code\n\n1 = Metropolitan area\n0 = Non-metropolitan area\n\nLocation of the property based on the MSA\ndefinitions in effect on January 1, 2024.\n\nFlag identifying whether the mortgage was\npurchased by Fannie Mae or by Freddie Mac.\nFannie Mae and Freddie Mac are collectively\nreferred to as the Enterprises in this\ndocument.\nSequential numerical identifier for the unit not\nrelated to the record number in the Census\nTract File or the other National Files.\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n1\n\n3\n\n4\n\n1\n\n1\n\ntract_minority_cat\n\n2020 Census Tract -\nPercent Minority\n\n5\n\n1\n\ntract_income_cat\n\nTract Income Ratio\n\n1 = >=0, <10%\n2 = >=10, <30%\n3 = >=30, <=100%\n9 = Missing\n"}
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diff --git a/chunks/json/674364d332f7d8e41ad313a36c65eba1a957e3ca87f1d4d9944ff199b0a57c3e.json b/chunks/json/674364d332f7d8e41ad313a36c65eba1a957e3ca87f1d4d9944ff199b0a57c3e.json
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+{"chunk":{"char_end":628957,"char_start":627511,"chunk_id":"chk_ae1bcb57d103f4b8","chunk_index":371,"chunk_sha256":"674364d332f7d8e41ad313a36c65eba1a957e3ca87f1d4d9944ff199b0a57c3e","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"674364d332f7d8e41ad313a36c65eba1a957e3ca87f1d4d9944ff199b0a57c3e","token_estimate":501,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"2\n\n2\n\n5\n\nNumeric\n\nNumeric\n\nNumeric\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nSpecify Above Grade Rooms Only\n\nPDF Display Format:\nWhole numbers only.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nSpecify Above Grade Bedrooms Only\n\nPDF Display Format:\nWhole numbers only.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nSpecify Above Grade Bathroom Only\n\nPDF Display Format:\nFull Bath Count.Half Bath Count\nnn.nn\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nThe sum of this field 3-84 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, 3-86, 3-\n87, 3-91, 3-93, 3-95, 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\nThe sum of this field 3-86 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-\n87, 3-91, 3-93, 3-95, 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\nThe sum of this field 3-87 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, 3-91, 3-93, 3-95, 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"}
diff --git a/chunks/json/674e6a1c371c901713ef0c515887752fc4eb52db822ef20f1db74657dc582fc1.json b/chunks/json/674e6a1c371c901713ef0c515887752fc4eb52db822ef20f1db74657dc582fc1.json
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+{"chunk":{"char_end":18310,"char_start":15111,"chunk_id":"chk_f04296dfb1514b3c","chunk_index":8,"chunk_sha256":"674e6a1c371c901713ef0c515887752fc4eb52db822ef20f1db74657dc582fc1","date_utc":"2026-01-27T17:50:59+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_0be59de6f173b03e","text_sha256":"674e6a1c371c901713ef0c515887752fc4eb52db822ef20f1db74657dc582fc1","token_estimate":987,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Uniform_Appraisal_Dataset__UAD__Aggregate_Statisti_l6yr1e.md"]},"text":"## 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\\/17691\",\"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"}
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+{"chunk":{"char_end":13492,"char_start":12006,"chunk_id":"chk_970f10f2ed3422c1","chunk_index":7,"chunk_sha256":"6752c24ef106c0444956e4862b4769048e15cb0589139241abf853d852a4737f","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_c5040f543aae68ba","text_sha256":"6752c24ef106c0444956e4862b4769048e15cb0589139241abf853d852a4737f","token_estimate":479,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Frequently_Asked_Questions___FHFA_rl1net.md"]},"text":"- ### [Questions and Answers on Conservatorship](/faqs/questions-and-answers-on-conservatorship)\n\n**Published: Sunday, September 7, 2008**\n\n​Q:​What is a conservatorship?​​A:​A conservatorship is the legal process in which a person or entity is appointed to establish control and oversight of a Company to put it in a soun...\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/676f0260e677f7e9df98dd72a368503e70ed9bde1680fc9ac2cdd41d22a43b0d.json b/chunks/json/676f0260e677f7e9df98dd72a368503e70ed9bde1680fc9ac2cdd41d22a43b0d.json
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+{"chunk":{"char_end":57049148,"char_start":0,"chunk_id":"chk_c0fc6a9a69077b4e","chunk_index":0,"chunk_sha256":"676f0260e677f7e9df98dd72a368503e70ed9bde1680fc9ac2cdd41d22a43b0d","date_utc":"2026-01-27T18:11:06+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_b18f0bd49864d6a5","text_sha256":"676f0260e677f7e9df98dd72a368503e70ed9bde1680fc9ac2cdd41d22a43b0d","token_estimate":1146,"warnings":["source_path=Public_Use_Database___FHFA/links/_.csv/2015_pudb_export_123115.csv","exceeds_max_chunk_chars_truncated"]},"text":"Year: 2015 | AssignedID: 1997542 | FHLBank: Atlanta | FIPSStateCode: 51 | FIPSCountyCode: 069 | MSA: 49020 | FeatureID: 0001740338 | Tract: 0511.01 | MinPer: 16.96 | TraMedY: 88049 | LocMedY: 61537 | Tractrat: 1.4308 | Income: 110904 | CurAreY: 65300 | IncRat: 1.6984 | UPB: 334244 | LTV: 1 | MortDate: 2015 | AcqDate: 2015 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 2 | Term: 360 | AmorTerm: 360 | SellType: 1 | NumBor: 1 | First: 2 | CICA: 9 | BoRace: 7 | CoRace: 8 | BoSex: 1 | CoSex: 4 | BoAge: 44 | CoAge: 98 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0338 | Amount: 338100 | Front: 0.1923 | Back: 0.4458 | BoCreditScor: 4 | CoCreditScor: 9 | PMI: 0 | Self: 2 | PropType: PT07 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 3 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 5 | CoRace2: 8 | CoRace3: 8 | CoRace4: 8 | CoRace5: 8 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2\nYear: 2015 | AssignedID: 1997543 | FHLBank: Atlanta | FIPSStateCode: 18 | FIPSCountyCode: 039 | MSA: 21140 | FeatureID: 0000435227 | Tract: 0005.02 | MinPer: 30.64 | TraMedY: 47088 | LocMedY: 53742 | Tractrat: 0.8762 | Income: 126984 | CurAreY: 51800 | IncRat: 2.4514 | UPB: 126790 | LTV: 0.59 | MortDate: 2015 | AcqDate: 2015 | Purpose: 1 | Coop: 2 | Product: 1 | FedGuar: 2 | Term: 360 | AmorTerm: 360 | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 5 | BoSex: 1 | CoSex: 2 | BoAge: 54 | CoAge: 54 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.035 | Amount: 139500 | Front: 0.0831 | Back: 0.1253 | BoCreditScor: 5 | CoCreditScor: 5 | PMI: 0 | Self: 2 | PropType: PT07 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 2 | CoRace2: 6 | CoRace3: 6 | CoRace4: 6 | CoRace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2\nYear: 2015 | AssignedID: 1997544 | FHLBank: Atlanta | FIPSStateCode: 13 | FIPSCountyCode: 245 | MSA: 12260 | FeatureID: 0000356262 | Tract: 0109.03 | MinPer: 35.36 | TraMedY: 66219 | LocMedY: 54953 | Tractrat: 1.205 | Income: 72972 | CurAreY: 57900 | IncRat: 1.2603 | UPB: 173761 | LTV: 0.65 | MortDate: 2015 | AcqDate: 2015 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 2 | Term: 360 | AmorTerm: 360 | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 7 | CoRace: 7 | BoSex: 1 | CoSex: 2 | BoAge: 66 | CoAge: 64 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.035 | Amount: 176000 | Front: 0.1951 | Back: 0.296 | BoCreditScor: 3 | CoCreditScor: 4 | PMI: 0 | Self: 2 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 3 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 3 | CoRace2: 6 | CoRace3: 6 | CoRace4: 6 | CoRace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2\nYear: 2015 | AssignedID: 1997545 | FHLBank: Atlanta | FIPSStateCode: 12 | FIPSCountyCode: 009 | MSA: 37340 | FeatureID: 0000294589 | Tract: 0644.00 | MinPer: 13.56 | TraMedY: 51191 | LocMedY: 60842 | Tractrat: 0.8414 | Income: 88176 | CurAreY: 58600 | IncRat: 1.5047 | UPB: 103961 | LTV: 0.97 | MortDate: 2015 | AcqDate: 2015 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 2 | Term: 360 | Amor\n"}
diff --git a/chunks/json/67719753b7c113d2c2800b5b6f29144570e8f1277ae8aae8beed03b74d9d84ed.json b/chunks/json/67719753b7c113d2c2800b5b6f29144570e8f1277ae8aae8beed03b74d9d84ed.json
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+{"chunk":{"char_end":17225,"char_start":15249,"chunk_id":"chk_a2b6b2dbf6f83851","chunk_index":9,"chunk_sha256":"67719753b7c113d2c2800b5b6f29144570e8f1277ae8aae8beed03b74d9d84ed","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8d14ca1837b76af4","text_sha256":"67719753b7c113d2c2800b5b6f29144570e8f1277ae8aae8beed03b74d9d84ed","token_estimate":494,"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":"$45,000\n12/2039\n\nYes No\n \n\n \n \n \n\nDescription of Ground Rent The ground rent has been stable over\nthe last five years. The ground rent is controlled through the City of\nWashington, D.C.\n\nAppraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 10 of 18\nPage 10 of 18\n\nProject Information (continued)\n\nCooperative Information\n\nShares Issued and Outstanding\nShares Attributable to Subject\nProperty\n\n97,222\n\n374\n\nProject Blanket Financing\n\nPro Rata Share\n\n0.3847%\n\nLien Detail\nUnpaid Principal Balance\n\nFirst Lien\n$10,957,629\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\nNo\n\n21 Months\n\n$63,739\n\n4.060%\n\nFixed\n\n$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"}
diff --git a/chunks/json/677d37b414dffd22beb6dacbfce54a7481c50a923dc27fc6ba53e211875ae3a1.json b/chunks/json/677d37b414dffd22beb6dacbfce54a7481c50a923dc27fc6ba53e211875ae3a1.json
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+{"chunk":{"char_end":129553,"char_start":127937,"chunk_id":"chk_da378c5d175af9ae","chunk_index":154,"chunk_sha256":"677d37b414dffd22beb6dacbfce54a7481c50a923dc27fc6ba53e211875ae3a1","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"677d37b414dffd22beb6dacbfce54a7481c50a923dc27fc6ba53e211875ae3a1","token_estimate":404,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Accessory Dwelling Units\n\n1.023\n\nProperty Rights Appraised\n\n1.024\n\nIs the highest and best use of the subject property as improved (or as\nproposed per plans and specifications) the present use?\n\n1.025\n\nProperty Restriction\n\n1.026\n\nEncroachment\n\n1.027\n\nZoning Compliance\n\n1.028\n\nHUD Data Plate Attached\n\n1.029\n\nHUD Label Present for All Sections\n\n1.030\n\nOverall Quality\n\n1.031\n\nOverall Condition\n\n1.000.1\n\nNo label\n\nSource\nField ID\n\n8.002\n\n3.010\n\n3.011\n\n3.012\n\n3.013\n\nDwelling Exterior\n\nSubject Property\n\nSubject Property\n\nSubject Property\n\nSubject Property\n\n18.014\n\nProject Information\n\n3.015\n\n3.005\n\n3.006\n\n3.019\n\nSubject Property\n\nSubject Property\n\nSubject Property\n\nSubject Property\n\n16.004\n\nHighest and Best Use\n\n4.051\n\n4.059\n\n4.014\n\n9.010\n\n9.016\n\nSite\n\nSite\n\nSite\n\nManufactured Home\n\nManufactured Home\n\n15.000\n\nOverall Quality and Condition\n\n15.005\n\nOverall Quality and Condition\n\n8.000.1\n\nDwelling Exterior [Image]\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nApparent Defects, Damages, Deficiencies Requiring Action\n\nThe Apparent Defects, Damages, Deficiencies Requiring Action subsection always displays. The following data points determine how the\ninformation in this subsection is rendered.\n\nPage 73\n\n• SiteDefectsExistIndicator (UID: 1500.0178, FID: 4.099)\n• DwellingExteriorDefectsExistIndicator (UID: 3900.0097, FID: 8.055)\n• UnitInteriorDefectsExistIndicator (UID: 3900.0107, FID: 10.055)\n• OutbuildingDefectsExistIndicator (UID: 0300.0111, FID: 12.019)\n• VehicleStorageDefectsExistIndicator (UID: 3200.0021, FID: 13.004)\n• SubjectPropertyAmenitiesDefectsExistIndicator (UID: 0200.0053, FID: 14.005)\n"}
diff --git a/chunks/json/678279ac71df74eb755129feebdbd89c7864b1618bf354e6ba38e0c4f410bc6c.json b/chunks/json/678279ac71df74eb755129feebdbd89c7864b1618bf354e6ba38e0c4f410bc6c.json
new file mode 100644
index 0000000000000000000000000000000000000000..ced5c05d628a27ee3d74fc6448a14288397cb2ff
--- /dev/null
+++ b/chunks/json/678279ac71df74eb755129feebdbd89c7864b1618bf354e6ba38e0c4f410bc6c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7433,"char_start":5262,"chunk_id":"chk_9894b1c3e3c45b1c","chunk_index":5,"chunk_sha256":"678279ac71df74eb755129feebdbd89c7864b1618bf354e6ba38e0c4f410bc6c","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"678279ac71df74eb755129feebdbd89c7864b1618bf354e6ba38e0c4f410bc6c","token_estimate":543,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"format section to include abbreviated entry \"DT\" for detach\noption.\n Updating Design (Style) instruction to include subject and\ncomparable in the text.\n\n-\n\n- Garage/Carport instruction to include subject and\n\ncomparable in the text.\n\n02/03/2022\n\n1.7\n\nUpdates in the Additional Comments section:\n- Added fields that would capture additional details for Single\n\nFamily Hybrid/Desktop appraisal forms.\n\n03/03/2022\n\n1.7\n\nUpdates in the Reconciliation section:\n- Added fields that would capture additional details for\nCondominium Hybrid/Desktop appraisal forms.\n\nPage 3 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\nIntroduction\n\nUnder the direction of the Federal Housing Finance Agency (FHFA), Fannie Mae and Freddie Mac (the\nGSEs) have developed the Uniform Mortgage Data Program® (UMDP®) to enhance the accuracy and\nquality of loan data delivered to each GSE. The Uniform Appraisal Dataset (UAD) is a key component of\nthe UMDP, which defines all fields required for an appraisal submission for specific appraisal forms and\nstandardizes definitions and responses for a key subset of fields.\n\nFor conventional loans delivered to the GSEs on or after March 19, 2012 (and with application dates on\nor after December 1, 2011), Fannie Mae and Freddie Mac will require appraisals to be completed using\nthe field-specific standardization requirements. Appraisal software forms providers will incorporate the\nUAD field-specific standardization requirements into their appraisal report form software. The appraisal\ndata must conform to the UAD and be delivered through the Uniform Collateral Data Portal® (UCDP®),\nthe joint portal through which lenders will submit electronic appraisal reports for delivery to Fannie Mae\nor Freddie Mac. The UAD and UCDP will help lenders, the GSEs, and other industry participants manage\ncollateral risk through efficient collection and enhanced quality of appraisal data.\n"}
diff --git a/chunks/json/67a0a23a6a412b63e2296156edf22ff3e806440156cd4d1611623abce3e945b1.json b/chunks/json/67a0a23a6a412b63e2296156edf22ff3e806440156cd4d1611623abce3e945b1.json
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+++ b/chunks/json/67a0a23a6a412b63e2296156edf22ff3e806440156cd4d1611623abce3e945b1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":4182,"char_start":3229,"chunk_id":"chk_d69a4f2c16888939","chunk_index":2,"chunk_sha256":"67a0a23a6a412b63e2296156edf22ff3e806440156cd4d1611623abce3e945b1","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_559d47b9f4cba12b","text_sha256":"67a0a23a6a412b63e2296156edf22ff3e806440156cd4d1611623abce3e945b1","token_estimate":238,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/cu-v-53-release-notes-feb-11-2022.pdf"]},"text":"•\n\n•\n\nImproved table layout – Users will experience a cleaner text display and have the ability to\nreorder table columns by dragging and dropping column headers.\nImproved characteristic pop-up function - Characteristic history pop-ups will no longer open\nout-of-view in the bottom rows of the table.\n\n• Property field sorting fix – “Prop” field sorting will be fixed so that a single click on the column\nheader sorts by subject property, then ordered appraisal comps, then ordered model comps.\n\nAdjustments Page\n\nEnhanced scroll function – Horizontal scroll arrows will be extended to the bottom of the page to\nallow users to scroll through comparables at any location on the page.\n\nFor More Information\n\nFor more information about these release notes, lenders may contact their Fannie Mae customer account team. Additional\ninformation including help and training is available on the Collateral Underwriter page.\n\n© 2022 Fannie Mae\n\n2.11.22 Page 2 of 2\n"}
diff --git a/chunks/json/67a41b47c5768a4e7e4facd46ca8e2c2325eb8378d5a3a93ed15529b243bb2b6.json b/chunks/json/67a41b47c5768a4e7e4facd46ca8e2c2325eb8378d5a3a93ed15529b243bb2b6.json
new file mode 100644
index 0000000000000000000000000000000000000000..932baf2d7bf490e44110ae5785c459b1f3825701
--- /dev/null
+++ b/chunks/json/67a41b47c5768a4e7e4facd46ca8e2c2325eb8378d5a3a93ed15529b243bb2b6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":289182,"char_start":287555,"chunk_id":"chk_16ab690fb9577669","chunk_index":170,"chunk_sha256":"67a41b47c5768a4e7e4facd46ca8e2c2325eb8378d5a3a93ed15529b243bb2b6","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"67a41b47c5768a4e7e4facd46ca8e2c2325eb8378d5a3a93ed15529b243bb2b6","token_estimate":407,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"9.023 Manufacturer’s\nInvoice\nReviewed\n\nRequired if New\nConstruction is Yes\n\nYes | No\n\nIndicates whether the appraiser reviewed and analyzed the manufacturer’s\ninvoice for the manufactured home.\n\nNote: A photo or image of the invoice may be provided, which displays in\nManufactured Home Exhibits. An additional caption must be provided\nindicating “Manufacturer’s Invoice” and any other descriptive information as\nappropriate.\n\nAppendix F-1: URAR Reference Guide\n\nPage 120 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n09 Manufactured Home\n\nManufactured Home – Dwellings – Invoice Information\n\nReport\nField ID\n\n9.024\n\nReport Label\n\nWhen to Include\n\nInvoice(s)\nAppear\nReasonable\n\nRequired if Retailer’s\nInvoice Reviewed is\nYes or Manufacturer’s\nInvoice Reviewed is\nYes\n\n9.025\n\nCommentary on\nWhy Invoice(s)\nNot Reasonable\n\nRequired if Invoice(s)\nAppear Reasonable is\nNo\n\nAllowable\nAnswers / Format\n\nYes | No\n\nDefinition / Additional Guidance\n\nIndicates whether, based on the analysis of the manufacturer's invoice and / or\nretailer's invoice, the content appears to be reasonable.\n\nFree-form\n\nExplain the results of the analysis and why the invoice(s) were determined to\nnot be reasonable.\n\nManufactured Home Commentary\n\nManufactured Home – Dwellings - Commentary\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\n9.026 Manufactured\nHome\nCommentary\n\nIf applicable\n\nFree-form\n\nCommentary could include information pertinent to the Manufactured Home\nsection that is not captured in the discrete data, or additional details to support\nthe discrete data that is provided.\n"}
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index 0000000000000000000000000000000000000000..df58cfe631a4502de2c9dc442f36aa346eb32559
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+++ b/chunks/json/67a74bf1e29d2c74f8daeda9a248d210508756da7d1093b0c646e0aaecada598.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1761,"char_start":0,"chunk_id":"chk_90c5b931ee74e670","chunk_index":0,"chunk_sha256":"67a74bf1e29d2c74f8daeda9a248d210508756da7d1093b0c646e0aaecada598","date_utc":"2026-01-27T18:02:22+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c76d90838bfb181d","text_sha256":"67a74bf1e29d2c74f8daeda9a248d210508756da7d1093b0c646e0aaecada598","token_estimate":441,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/overview-du-specification.pdf"]},"text":"Overview: Desktop Underwriter Specification for the\nUniform Residential Loan Application (URLA)\n\nQuick Facts\n\n The Desktop Underwriter® (DU®) Specification supports the redesigned Uniform Residential Loan Application\n\n(URLA / Form 1003) and supports the Supplemental Consumer Information Form (SCIF / Form 1103)\n\nHighlights of the DU Specification\n\n Designed by leveraging the MISMO\n\nVersion 3.4 Reference Model\n\n Follows a schema format; supports the\n\nredesigned URLA and DU data requirements\n\n Modeled by MISMO certified professionals;\n\nvetted by industry stakeholders and tested by\nFannie Mae\n\n Supports data requirements for Conventional\n\n(DU), Government (FHA, VA) loans,\nEarlyCheckTM, Credit Only Requests, Home\nMortgage Disclosure Act (HMDA) borrower\ndemographic information, and the Supplemental\nConsumer Information Form (SCIF)\n\n Data allows for events with multiple repeating\n\ninstances, for example: multiple jobs/sources of\nemployment, multiple assets/liabilities, and\nmultiple REO properties\n\nDU Specification Benefits\nGREATER ACCURACY, FLEXIBILITY, AND CLARITY\n\n More relevant loan and borrower data needed for the loan origination process\n Clear data definitions to help the industry understand the business content of the data\n Data conditionality for a comprehensive credit risk assessment and DU eligibility determination\n Structures that allow multiple instances of repeating information for borrowers\n Easier to identify the data needed for the redesigned URLA and the additional data required by DU\n\nResources\nFor more information on the URLA and DU Specification visit:\nwww.fanniemae.com/singlefamily/uniform-residential-loan-application\nhttps://singlefamily.fanniemae.com/technology-integration/technology-integration-resources\n"}
diff --git a/chunks/json/67b02f5b27edabc1e8ad71f3dc0f8ddc606f3caadb80f8e1083c5ffbc1ff45da.json b/chunks/json/67b02f5b27edabc1e8ad71f3dc0f8ddc606f3caadb80f8e1083c5ffbc1ff45da.json
new file mode 100644
index 0000000000000000000000000000000000000000..95f3f6f966cb72d97055fc575097e0b6c7ffb86b
--- /dev/null
+++ b/chunks/json/67b02f5b27edabc1e8ad71f3dc0f8ddc606f3caadb80f8e1083c5ffbc1ff45da.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10001,"char_start":8387,"chunk_id":"chk_1d2faa80f513578b","chunk_index":5,"chunk_sha256":"67b02f5b27edabc1e8ad71f3dc0f8ddc606f3caadb80f8e1083c5ffbc1ff45da","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e92a533ee2f09e32","text_sha256":"67b02f5b27edabc1e8ad71f3dc0f8ddc606f3caadb80f8e1083c5ffbc1ff45da","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2023-ucd-release-notes.pdf"]},"text":"N O T E : For submissions with a casefile obtained from test DU environment, the UCD test environment will no longer\ndisplay the matching DU data as part of the UCD findings. New warning message 2050 will notify users that the DU\nmatched was not performed. Edit 2050 message: The UCD Test Environment does not match Casefile IDs to any DU\nenvironment. The UCD submission was processed without DU matching.\n\nFebruary 27\n\nNew Data Point –\nQualified Mortgage\nShort Reset ARM APR\nPercent\n\nFannie Mae will implement warning-to-fatal severity edits for the new data point\n‘gse:QualifiedMortgageShortResetARM_APRPercent’ on February 27, 2023, for all Adjustable-Rate Mortgages (ARMs)\nthat meet the definition below.\n\nFor all ARMs, lenders must use the loan amount over the loan term to calculate periodic payments of principal and interest. The\nRevised Qualified Mortgage (QM) Rules Annual Percentage Rate (APR) and Average Prime Offer Rate (APOR) threshold test adds\nan APR data requirement for adjustable-rate QM loans that have an interest rate change within the first five years. The lender\nmust use the maximum interest rate that could apply during the first five years after the first payment is due when calculating\nthe qualifying rate; e.g.:\n\n•\n\n•\n\n3/6 ARMs: Note rate plus lifetime cap\n\n5/6 ARMs: Note rate plus first rate change cap\n\nEach GSE’s UCD collection solution can accept this data point at any time. The edits will transition\nto fatal severity on May 1, 2023. See the UCD Phase 3 Critical Edits Matrix and the UCD Feedback\nMessages document for more information.\n\n© 2023 Fannie Mae 12.14.23 Page 4 of 5\n"}
diff --git a/chunks/json/67b177928af1d36741236448fd0ff0d671d6f31524c56637cc932f0cdef8330b.json b/chunks/json/67b177928af1d36741236448fd0ff0d671d6f31524c56637cc932f0cdef8330b.json
new file mode 100644
index 0000000000000000000000000000000000000000..755e2e3dff0f2da6bbe45a16a5609b4eb90460a2
--- /dev/null
+++ b/chunks/json/67b177928af1d36741236448fd0ff0d671d6f31524c56637cc932f0cdef8330b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":22827,"char_start":21204,"chunk_id":"chk_ea15f85caa579650","chunk_index":13,"chunk_sha256":"67b177928af1d36741236448fd0ff0d671d6f31524c56637cc932f0cdef8330b","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"67b177928af1d36741236448fd0ff0d671d6f31524c56637cc932f0cdef8330b","token_estimate":406,"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":"Ground Rent\n\nTotal Units\nUnits Sold\nUnits for Sale\nUnits Rented\n\nBuilder or Developer\nHOA\n50\n47\n3\n~2\n\nReason Units Rented is Estimated The data shows only two off-\nsite mailing addresses, therefore assumed that they are rented units.\nMandatory Fees (HOA, PUD, or Co-op)\n\nMonthly Amount\nCommon Amenities/\nServices Included\n\nUtilities Included\n\nObserved Deficiencies\n\n$500\n\nClubhouse\nClub Membership\nGated Community\nInground Pool\nSnow Removal\nTrash Removal\nNone\n\nYes No\n \n\nAppraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 12 of 24\nPage 12 of 24\n\nProject Information (continued)\n\nProject Factors and Impact to Value/Marketability\n\nProject Factor\nDeveloper/Sponsor in Control\n\nDetail\nNo\n\nImpact\n\nComment\n\nSingle Entity Ownership of Multiple\nUnits\n\nCommercial Space\n\nKnown Legal Actions\n\nUnit Transfer Fees\n\nUnit Special Assessments\n\nUnit Tax Abatements or Exemptions\n\nGreatest Number of Units Owned - 3\n\nNeutral\n\n3 units owned by developer are for sale.\n\nNone\n\nNone\n\nNone\n\nNone\n\nNone\n\nProject Factors Commentary The Developer is not in control of the HOA. This appraiser’s research of the subject property and project did\nnot indicate the presence of any known legal actions, tax abatements, or any tax exemptions of any manner.\n\nProject Information Commentary\n\nClub Membership is for the golf course and is required to live in this community. Dues are handled through the HOA fee. Membership requires\nthe one time payment of $10,000 that is handled outside of this transaction.\n\nProject Information Exhibits\n"}
diff --git a/chunks/json/67bb085ced155899362b53842c75bb4087dcf16e2a58a321c721340d2cc31d3f.json b/chunks/json/67bb085ced155899362b53842c75bb4087dcf16e2a58a321c721340d2cc31d3f.json
new file mode 100644
index 0000000000000000000000000000000000000000..f29d03fc24e97e3e62cad62e149c3a2d0a08d3bb
--- /dev/null
+++ b/chunks/json/67bb085ced155899362b53842c75bb4087dcf16e2a58a321c721340d2cc31d3f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":767615,"char_start":765805,"chunk_id":"chk_cf8732adb0b9b08c","chunk_index":457,"chunk_sha256":"67bb085ced155899362b53842c75bb4087dcf16e2a58a321c721340d2cc31d3f","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"67bb085ced155899362b53842c75bb4087dcf16e2a58a321c721340d2cc31d3f","token_estimate":453,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Appendix 2: Condition and Quality Rating Definitions\n\nAppendix 2: Condition 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\nThe dwelling has been well-maintained and\nexhibits only minimal wear and tear. The\ndwelling may exhibit only minor age-related\nphysical depreciation; or, most components, but\nnot every major building component, has been\nupdated or renovated.\n\nThe dwelling has been adequately maintained\nand exhibits moderate wear and tear resulting\nfrom occupancy and exposure to elements. The\ndwelling may feature some updating, but\notherwise contains deferred maintenance items\nthat are generally minor or cosmetic in nature.\n"}
diff --git a/chunks/json/67c0cb2aba52d7605c555a6e770ab36ef256a3ee4bb3e932079ef101b2b166ea.json b/chunks/json/67c0cb2aba52d7605c555a6e770ab36ef256a3ee4bb3e932079ef101b2b166ea.json
new file mode 100644
index 0000000000000000000000000000000000000000..4c4000dfc4bdf41454c6a165c53284e6d475a831
--- /dev/null
+++ b/chunks/json/67c0cb2aba52d7605c555a6e770ab36ef256a3ee4bb3e932079ef101b2b166ea.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":67669,"char_start":66062,"chunk_id":"chk_fc427fc7ab1fc651","chunk_index":37,"chunk_sha256":"67c0cb2aba52d7605c555a6e770ab36ef256a3ee4bb3e932079ef101b2b166ea","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"67c0cb2aba52d7605c555a6e770ab36ef256a3ee4bb3e932079ef101b2b166ea","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Examples:\n• For larger parcels or new construction, move to the location of the dwelling\n• For land comparables, where geocoding may not be aware of the address\n\nBest Practices\n\nWhen there are multiple allowable answers, select the answer that is most applicable. Don’t select Other\n(Describe) and type in abbreviations or words with similar meaning to the allowable answer.\n\nThe URAR includes many options that allow for the appropriate scope of work. Not all options are required.\nExample: The cost approach is optional in the data, and not all clients require it for all property types.\n\nAppendix F-1: URAR Reference Guide\n\nPage 23 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nHeader and Footer\n\nHeader and Footer\n\nThe header and footer display on each page. They provide navigation and reference notations including report\ntitle, page numbers, and, if applicable, Reference IDs used by various parties to the appraisal. The footer\ncontains information that is input by the appraiser; those fields are addressed in this chapter.\n\nFooter\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nHF.002 Appraisal\nVersion #\n\nAlways required\n\nNumber\n\nFooter\n\nDefinition / Additional Guidance\n\nThe version number is updated each time the appraiser transmits the appraisal\nreport to the client. A sequential number should be provided for each version\nof the appraisal report transmitted to the client.\n\nExample: After the initial submission, when changes are made, the next version\nwould be identified as Appraisal Version #2.\n\nHF.005 Appraiser\n\nAlways required\n\nFree-form\n\nReference ID\n"}
diff --git a/chunks/json/67c32d54e69df569d313c5f09ce44a91f1d8bca543b7522647f53d84c5ab4b4f.json b/chunks/json/67c32d54e69df569d313c5f09ce44a91f1d8bca543b7522647f53d84c5ab4b4f.json
new file mode 100644
index 0000000000000000000000000000000000000000..d184b415e33711858ab4bdc4b6acccbf310d9de9
--- /dev/null
+++ b/chunks/json/67c32d54e69df569d313c5f09ce44a91f1d8bca543b7522647f53d84c5ab4b4f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":37444,"char_start":35562,"chunk_id":"chk_8ba3ae0afbe395e9","chunk_index":21,"chunk_sha256":"67c32d54e69df569d313c5f09ce44a91f1d8bca543b7522647f53d84c5ab4b4f","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"67c32d54e69df569d313c5f09ce44a91f1d8bca543b7522647f53d84c5ab4b4f","token_estimate":470,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"1 = Originated in same calendar year\nas acquired\n2 = Originated prior to calendar year of\nacquisition\n9 = Missing\n999 = Not available\n\nMonths\n\n1, 2, 3, or 4\n99.000 = Missing/Not available\n\nSF CTF\n\n27\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n9\n\n47\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\nupb_orig\n\nNote Amount\n\n999999999 = Not available\n\nNote amount is reported as the midpoint for\nthe $10,000 interval into which the reported\nvalue falls to conform with CFPB Privacy\nGuidance.\n\n48\n\n1\n\npreapproval\n\nPreapproval\n\n49\n\n1\n\nchannel_apply\n\nApplication Channel\n\n50\n\n1\n\naus\n\nAutomated Underwriting\nSystem (AUS) Name\n\n1 = Preapproval requested\n2 = Preapproval not requested\n9 = Preapproval request unknown or\nmissing\n1 = ULDD Retail Origination\n2 = ULDD Broker Origination\n3 = Other\n9 = Application channel unknown or\nmissing\n1 = Desktop Underwriter (DU)\n2 = Loan Prospector (LP) or Loan\nProduct Advisor (LPA)\n3 = Technology Open to Approved\nLenders (TOTAL) Scorecard\n4 = Guaranteed Underwriting System\n(GUS)\n5 = Other\n6 = Not applicable or AUS not used\n9 = AUS unknown or missing\n\nSF CTF\n\n28\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n2\n\n51\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\nscore_borr_model\n\nCredit Score Model -\nBorrower\n\n1 = Equifax Beacon 5.0\n2 = Experian Fair Isaac\n3 = FICO Risk Score Classic 04\n4 = FICO Risk Score Classic 98\n5 = VantageScore 2.0\n6 = VantageScore 3.0\n7 = More than one credit scoring model\n8 = Other credit scoring model\n9 = Not applicable\n11 = FICO Score 9\n12 = FICO Score 8\n13 = FICO Score 10\n14 = FICO Score 10T\n15 = VantageScore 4.0\n99 = Unknown\n"}
diff --git a/chunks/json/67c7b64e8ee9afffc3936389b7876eabe4ec91cd6ea44d4a11095d6acea44c2e.json b/chunks/json/67c7b64e8ee9afffc3936389b7876eabe4ec91cd6ea44d4a11095d6acea44c2e.json
new file mode 100644
index 0000000000000000000000000000000000000000..74b20b8e6377edcd987b2dbb10ec8ab696f790bd
--- /dev/null
+++ b/chunks/json/67c7b64e8ee9afffc3936389b7876eabe4ec91cd6ea44d4a11095d6acea44c2e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":27882,"char_start":25025,"chunk_id":"chk_8ae77d6506280ff1","chunk_index":9,"chunk_sha256":"67c7b64e8ee9afffc3936389b7876eabe4ec91cd6ea44d4a11095d6acea44c2e","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_fe9c7f9e0406216b","text_sha256":"67c7b64e8ee9afffc3936389b7876eabe4ec91cd6ea44d4a11095d6acea44c2e","token_estimate":715,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/LIBOR_Transition___FHFA_cx711r.md"]},"text":"- ARRC Paper: [Options for Using SOFR in Adjustable Rate Mortgages](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2019/ARRC-SOFR-indexed-ARM-Whitepaper.pdf) (7/2019)\n## Statements\n\n- [Statement from FHFA Director Sandra L. Thompson on Enterprise Replacement Rates for Legacy LIBOR-Indexed Products](/node/14046) (12/22/2022)\n- [FHFA Statement in Support of the ARRC's White Paper on Transition to SOFR](/node/9106) (7/11/2019)\n## Testimony\n\n- Testimony: [Daniel E. Coates, Senior Associate Director, FHFA, Before House Financial Services Subcommittee on Investor Protection, Entrepreneurship, and Capital Markets](/node/10086) *\"The End of LIBOR: Transitioning to an Alternative Interest Rate Calculation for Mortgages, Student Loans, Business Borrowing, and Other Financial Products\"*(4/15/2021)\n## Other\n\n- On December 16, 2022, the Federal Reserve Board issued its final rule implementing the Federal Adjustable Interest Rate (LIBOR) Act. The final rule identifies replacement indexes for covered legacy products, including products that are “FHFA-regulated entity contracts.”\n[https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-253](https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-253)\n- On March 15, 2022, Federal Adjustable Interest Rate (LIBOR) Act was signed into law. The legislation required the Federal Reserve Board to publish [regulations](https://www.congress.gov/117/plaws/publ103/PLAW-117publ103.pdf) identifying a Board-selected benchmark replacement that is based on SOFR and provides safe harbor for parties that select Board-recommended replacements for covered LIBOR contracts.\n- FHFA Letter to House Committee on Financial Services and Subcommittee on Investor Protection, Entrepreneurship, and Capital Markets: [FHFA's Views on H.R. 4616 - the Adjustable Interest Rate (LIBOR) Act of 2021](/sites/default/files/2023-08/FHFALetterofSupportFor4616-web.pdf)(7/28/2021)\n- FHFA Letter to Federal Home Loan Banks: [Alternative Reference Rate Selection Risk Management​](/sites/default/files/2023-08/Alternative-Reference-Rate-Selection-Risk-Management-712021.pdf)(7/1/2021)\n- ​FHFA Letter to Federal Home Loan Banks: [International Swaps and Derivatives Association 2020 IBOR Fallbacks Protocol​​](/sites/default/files/2023-03/isda-protocol-final.pdf)(10/21/2020)​\n- CFPB Blog: [​You might have heard that LIBOR is going away. Here's what you need to know about LIBOR and adjustable-rate loans](https://www.consumerfinance.gov/about-us/blog/libor-going-away-heres-what-you-need-know-about-libor-and-adjustable-rate-loans/) (10/17/2019)\n- [ARRC Consultation Regarding More Robust LIBOR Fallback Contract Language for New Closed-End, Residential Adjustable Rate Mortgages](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2019/ARRC-ARM-consultation.pdf) (5/12/2019)\n## Co​nta​ct\n"}
diff --git a/chunks/json/67d4da2eeef75ec4c47fd23fa31348242fb4ba235f330ae42ac7a3df07b13f9f.json b/chunks/json/67d4da2eeef75ec4c47fd23fa31348242fb4ba235f330ae42ac7a3df07b13f9f.json
new file mode 100644
index 0000000000000000000000000000000000000000..3fa2141c7660e5caa9e17fce4b56dbd0c43fc56b
--- /dev/null
+++ b/chunks/json/67d4da2eeef75ec4c47fd23fa31348242fb4ba235f330ae42ac7a3df07b13f9f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":55369,"char_start":54895,"chunk_id":"chk_6dc24a8b2e3e338b","chunk_index":86,"chunk_sha256":"67d4da2eeef75ec4c47fd23fa31348242fb4ba235f330ae42ac7a3df07b13f9f","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"67d4da2eeef75ec4c47fd23fa31348242fb4ba235f330ae42ac7a3df07b13f9f","token_estimate":416,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Sales Contract Exhibits ............................................................................................................................................................................................................. 267\n\n21 Prior Sale and Transfer History ........................................................................................................................................................................................................ 268\n"}
diff --git a/chunks/json/67f14048d0e727a72eec2bb0dfb75cda76f64851d0288dd504b2294dd4af99a7.json b/chunks/json/67f14048d0e727a72eec2bb0dfb75cda76f64851d0288dd504b2294dd4af99a7.json
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index 0000000000000000000000000000000000000000..d4ed657da7f0dea4c1d01dceaeb2cc25cb925748
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+++ b/chunks/json/67f14048d0e727a72eec2bb0dfb75cda76f64851d0288dd504b2294dd4af99a7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":747366,"char_start":745669,"chunk_id":"chk_3946471e1b0e5585","chunk_index":445,"chunk_sha256":"67f14048d0e727a72eec2bb0dfb75cda76f64851d0288dd504b2294dd4af99a7","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"67f14048d0e727a72eec2bb0dfb75cda76f64851d0288dd504b2294dd4af99a7","token_estimate":424,"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\n27.006 Reconsideration\nof Value\nCommentary\n\nRequired if\nReconsideration of\nValue Indicator is Yes\n\nFree-form\n\nProvide commentary summarizing the outcome of the ROV.\n\nNote: Specific changes to the URAR are detailed in the Revision History Table\n(27.000 – 27.002).\n\nAppendix F-1: URAR Reference Guide\n\nPage 337 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n28 Supplemental Information\n\n28 Supplemental Information\n\nAll photos and images must be included in the most applicable section. The Supplemental Information section\nprovides a place for relevant photos or images that support the appraiser’s conclusions and do not relate to any\nother section. If there are no supplemental exhibits, the section does not display.\n\nSupplemental 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\nSupplemental\nInformation\nExhibits\n\nIf applicable\n\nPhotos or images\n\nPhotos or images not relevant to any other section may be provided in\nSupplemental Information Exhibits. A caption must be provided to further\nidentify the photo or image.\n\nAppendix F-1: URAR Reference Guide\n\nPage 338 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n29 Certifications and Scope of Work\n\n29 Certifications and Scope of Work\n\nThe Certifications and Scope of Work 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 appraisals, Appraiser Cert 10)\n• Free-form text (e.g., additional scope of work or appraiser certifications)\n"}
diff --git a/chunks/json/67f5cdf293f48b7fabdf90e5929fb439c7f748bc83992c20b058d98e7ccbf4b2.json b/chunks/json/67f5cdf293f48b7fabdf90e5929fb439c7f748bc83992c20b058d98e7ccbf4b2.json
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+{"chunk":{"char_end":1729,"char_start":0,"chunk_id":"chk_df1c63ff6c5fbbd0","chunk_index":0,"chunk_sha256":"67f5cdf293f48b7fabdf90e5929fb439c7f748bc83992c20b058d98e7ccbf4b2","date_utc":"2026-01-27T17:48:00+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_91d238884cfd63d3","text_sha256":"67f5cdf293f48b7fabdf90e5929fb439c7f748bc83992c20b058d98e7ccbf4b2","token_estimate":527,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Loss_Mitigation___FHFA_cgj3mf.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/programs/loss-mitigation\"\ndate_accessed: \"2026-01-27T17:48:00.506Z\"\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/68035ccd96fdbb15e1b7d5c5eb5769750a73c0628050444d945e53f80d84eb6d.json b/chunks/json/68035ccd96fdbb15e1b7d5c5eb5769750a73c0628050444d945e53f80d84eb6d.json
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+{"chunk":{"char_end":1192400,"char_start":1190748,"chunk_id":"chk_158d8ac1952aa9fa","chunk_index":708,"chunk_sha256":"68035ccd96fdbb15e1b7d5c5eb5769750a73c0628050444d945e53f80d84eb6d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"68035ccd96fdbb15e1b7d5c5eb5769750a73c0628050444d945e53f80d84eb6d","token_estimate":413,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"The total area of the property\nimprovements below grade.\n\n321\n\n2\n\ne-19\n\nSALES\nCOMPARISON\nAPPROACH\n\nBasement & Finished\n\n(Line 1)\n\nGSE Below Grade\nFinish Square Feet\nNumber\n\nThe total finished area of the property\nbelow grade.\n\n322\n\n2\n\ne-20\n\nSALES\nCOMPARISON\nAPPROACH\n\nBasement & Finished\n\n(Line 1)\n\nGSE Basement Exit\nType\n\nThe type of exit for a basement.\nDescribes how the basement can be\naccessed.\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/@GSEBelowGradeTotalSquareFeetNumber\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/@GSEBelowGradeFinishSquareFeetNumber\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/@GSEBasementExitType\n\n5\n\nNumeric\n\n5\n\nNumeric\n\n323\n\n2\n\n82\n\nSALES\nCOMPARISON\nAPPROACH\n\nBasement & Finished\nAdjustment\n\n(Line 1)\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"}
diff --git a/chunks/json/6809023de583e7e1d3921cbe08a9983cbef3705a174bdfd969184655508f945b.json b/chunks/json/6809023de583e7e1d3921cbe08a9983cbef3705a174bdfd969184655508f945b.json
new file mode 100644
index 0000000000000000000000000000000000000000..fe2d071dee68443338fffc0a38fe2f8d651f029a
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+++ b/chunks/json/6809023de583e7e1d3921cbe08a9983cbef3705a174bdfd969184655508f945b.json
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+{"chunk":{"char_end":454526,"char_start":452835,"chunk_id":"chk_215212b912711378","chunk_index":269,"chunk_sha256":"6809023de583e7e1d3921cbe08a9983cbef3705a174bdfd969184655508f945b","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"6809023de583e7e1d3921cbe08a9983cbef3705a174bdfd969184655508f945b","token_estimate":423,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"18.085\n\nIncomplete\nProject\n(Comment)\n\nRequired if Project\nComplete is No\n\nConverted in Past 3 Years\n\nDefinition / Additional Guidance\n\nIncomplete Project Elements: Indicates which project elements are incomplete.\n•\n•\n•\n•\n\nAmenities\nCommon Elements\nUnits (including buildings and phases)\nOther\n\nProvide additional commentary to include details and other information about\nthe incomplete elements.\nNote: For further expansion of commentary, use Project Factors Commentary\n(18.094).\n\nThe Converted in Past 3 Years row displays in the Project Factors table if Converted in Past 3 Years (18.018) is\nYes.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n18.066 Converted in\nPast 3 Years\n(Detail)\n\nRequired if Converted\nin Past 3 Years is Yes\n\nProject Factors: Converted in Past 3 Years\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nPrior Use: The original use before the project was converted to its current form\nof project ownership legal structure.\n•\n•\n•\n•\n•\n•\nNote: If the building had multiple uses in the past, choose the last use before\nthe conversion.\n\nApartment\nCommercial Building\nHotel or Motel\nHouse\nIndustrial Building\nOther (Describe)\n\n18.076 Converted in\nPast 3 Years\n(Impact)\n\n18.086 Converted in\nPast 3 Years\n(Comment)\n\nRequired if Converted\nin Past 3 Years is Yes\n\nRequired if Converted\nin Past 3 Years is Yes\n\nAdverse,\nBeneficial, or\nNeutral\n\nFree-form\n\nComment on the extent of the conversion detailing new or refurbished items\n(e.g., mechanicals, flooring, wiring, plumbing, cabinets, and fixtures).\nNote: For further expansion of commentary, use Project Factors Commentary\n(18.094).\n"}
diff --git a/chunks/json/680f72fec559f448e167b57aaecd330de56ee53c97e9f9786695f37f43723dc0.json b/chunks/json/680f72fec559f448e167b57aaecd330de56ee53c97e9f9786695f37f43723dc0.json
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index 0000000000000000000000000000000000000000..80f71128bd3438c68e611591c854c6c6e1aa88a6
--- /dev/null
+++ b/chunks/json/680f72fec559f448e167b57aaecd330de56ee53c97e9f9786695f37f43723dc0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11591,"char_start":9432,"chunk_id":"chk_25c7bb67f8eddd3a","chunk_index":5,"chunk_sha256":"680f72fec559f448e167b57aaecd330de56ee53c97e9f9786695f37f43723dc0","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"680f72fec559f448e167b57aaecd330de56ee53c97e9f9786695f37f43723dc0","token_estimate":540,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"elements that the Enterprises are\ncurrently collecting as part of their\nestablished mortgage-purchasing\nactivities. Section 1323(a) does not\ncontain a mandate that the Enterprises\nmodify their seller-servicer agreements\nto collect additional data solely for the\npurpose of populating the PUDB. While\nit might be within the scope of statutory\ndiscretion for the agency to administer\nthis provision in that way, the\nEnterprises are currently operating in\nconservatorship and it would not\nfurther the purposes of their\nconservatorship to do so.\n\nSection 1323(b)(1) states that, except\n\nas provided in paragraph (b)(2), the\nDirector may not make available to the\npublic Enterprise data that the Director\ndetermines under section 1326 are\nproprietary. Section 1323(b)(2), as\namended, provides that the Director\nshall not restrict public access to the\ndata in the Enterprise reports related to\nincome, census tract location, race, and\ngender of single-family mortgagors, or to\nthe data required to be reported under\nHMDA at the census tract level. See 12\nU.S.C. 4543(b)(1), 4543(b)(2), 4546.\nConsistent with the amendments to\nsection 1323, section 1127 of HERA\namended section 1326 of the Safety and\nSoundness Act by adding a new\nparagraph (d) which states that, subject\nto the privacy restrictions described in\nsection 304(j) of HMDA,1 the Director\nshall make public certain information\nrelating to single-family mortgage data\nof the Enterprises: (1) the same data\nfrom the Enterprises that is required of\ninsured depository institutions under\nHMDA; and (2) information collected by\nthe Director under section 1324(b)(6).\nSee 12 U.S.C. 4544(b)(6), 4546(d).\nSection 1324(b)(6), in turn, part of a\nsection describing the contents of\nFHFA’s Annual Housing Activities\nReport (AHAR) to Congress, requires\nFHFA to compare ‘‘the characteristics of\nhigh-cost loans purchased and\nsecuritized by each Enterprise where\nsuch securities are not held on portfolio,\nto loans purchased and securitized\nwhere such securities are either retained\non portfolio or repurchased by the\nEnterprise, including such\ncharacteristics as—(A) The purchase\nprice of the property that secures the\n"}
diff --git a/chunks/json/6824902b59d42be76cf4802b081982e14574a20db461cf493fcc3f2879969b79.json b/chunks/json/6824902b59d42be76cf4802b081982e14574a20db461cf493fcc3f2879969b79.json
new file mode 100644
index 0000000000000000000000000000000000000000..b980fcdf55654bf254a5fe2e049ef5f2f209760e
--- /dev/null
+++ b/chunks/json/6824902b59d42be76cf4802b081982e14574a20db461cf493fcc3f2879969b79.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12141,"char_start":10641,"chunk_id":"chk_42dd5cc0591cec02","chunk_index":3,"chunk_sha256":"6824902b59d42be76cf4802b081982e14574a20db461cf493fcc3f2879969b79","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2b6a9e94e3fa6d9e","text_sha256":"6824902b59d42be76cf4802b081982e14574a20db461cf493fcc3f2879969b79","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Freddie_Mac_Single_Fam_r5x1k.md"]},"text":"Enter your search\n\nSearch\n\n- Process\n - [Become a Seller/Servicer](/working-with-us/become-a-seller-servicer/overview)\n - [Origination & Underwriting](/working-with-us/origination-underwriting/overview)\n - [Selling & Delivery](/working-with-us/selling-delivery/overview)\n - [Servicing](/working-with-us/servicing/overview)\n\n- Programs\n - [Affordable Lending](/working-with-us/affordable-lending/overview)\n - [CreditSmart](/working-with-us/creditsmart/overview)\n - [DPA One](/working-with-us/affordable-lending/dpa-one)\n - [eMortgage](/working-with-us/electronic-loan-documents/overview)\n - [Foreclosure Prevention](/working-with-us/foreclosure-prevention/overview)\n - [Fraud Prevention](/working-with-us/fraud-prevention/overview)\n\n- Collaboration\n - [Housing Counselors](/working-with-us/housing-counselors/overview)\n - [Housing Finance Agencies](/working-with-us/housing-finance-agencies/hfa-overview)\n\n- Spacer Only\n - [Real Estate Professionals](/working-with-us/real-estate-professionals/resource-center)\n - [Secondary Market Advisors](/working-with-us/secondary-market-advisors/working-with-smas)\n - [Software Provider Resource Center](/general/software-provider-resource-center)\n\n- Featured Technology\n - [System Status](/tools-learning/system-status)\n - [Freddie Mac Gateway](/tools-learning/technology-tools/our-solutions)\n - [Freddie Mac Income Calculator](/tools-learning/technology-tools/our-solutions/income-calculator)\n - [Access Manager](/tools-learning/access-manager/overview)\n"}
diff --git a/chunks/json/682ad73fa9c0c345dac461b8b266b475faa116343f7bb6f6dc9cc934a958102d.json b/chunks/json/682ad73fa9c0c345dac461b8b266b475faa116343f7bb6f6dc9cc934a958102d.json
new file mode 100644
index 0000000000000000000000000000000000000000..adffd5063df1bb31e79bc8078a4a003b99c24ccd
--- /dev/null
+++ b/chunks/json/682ad73fa9c0c345dac461b8b266b475faa116343f7bb6f6dc9cc934a958102d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":40771,"char_start":40223,"chunk_id":"chk_964b96c9c45b3b2c","chunk_index":66,"chunk_sha256":"682ad73fa9c0c345dac461b8b266b475faa116343f7bb6f6dc9cc934a958102d","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"682ad73fa9c0c345dac461b8b266b475faa116343f7bb6f6dc9cc934a958102d","token_estimate":441,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Subject Property ............................................................................................................................................ 86\n\nAppendix E: Report Style Guide\n\nPage 10 of 90\n\nVersion 1.4\n\nLegal Description (H1) ......................................................................................................................................... 86\n\nOriginal Appraisal .......................................................................................................................................... 86\n"}
diff --git a/chunks/json/68386bd750ae2145de46c9a768d7023feaf6c662fd5656fd55f780cde1b23607.json b/chunks/json/68386bd750ae2145de46c9a768d7023feaf6c662fd5656fd55f780cde1b23607.json
new file mode 100644
index 0000000000000000000000000000000000000000..e67c158e38b1f99bf105fe68b9de4387f221f5d2
--- /dev/null
+++ b/chunks/json/68386bd750ae2145de46c9a768d7023feaf6c662fd5656fd55f780cde1b23607.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1720,"char_start":0,"chunk_id":"chk_f4c4fa79074b9b36","chunk_index":0,"chunk_sha256":"68386bd750ae2145de46c9a768d7023feaf6c662fd5656fd55f780cde1b23607","date_utc":"2026-01-27T17:54:23+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_5822c89ef8e22a97","text_sha256":"68386bd750ae2145de46c9a768d7023feaf6c662fd5656fd55f780cde1b23607","token_estimate":525,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/The_Ombudsman___FHFA_6rh5g9.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/about/ombudsman\"\ndate_accessed: \"2026-01-27T17:54:20.334Z\"\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/683c7771f16ed9bdafb3d0a4becc2b0d1aa10dafb5b2f6bd7c9408ed1a053736.json b/chunks/json/683c7771f16ed9bdafb3d0a4becc2b0d1aa10dafb5b2f6bd7c9408ed1a053736.json
new file mode 100644
index 0000000000000000000000000000000000000000..64dcce68a5d00002ce6d8699dd638c7b1aad2720
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+++ b/chunks/json/683c7771f16ed9bdafb3d0a4becc2b0d1aa10dafb5b2f6bd7c9408ed1a053736.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":260787,"char_start":258510,"chunk_id":"chk_37b6a32931a9ffb6","chunk_index":145,"chunk_sha256":"683c7771f16ed9bdafb3d0a4becc2b0d1aa10dafb5b2f6bd7c9408ed1a053736","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"683c7771f16ed9bdafb3d0a4becc2b0d1aa10dafb5b2f6bd7c9408ed1a053736","token_estimate":570,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"The amount of the negative dollar adjustment for each comparable with sales or financing concessions should be equal to any\nincrease in the purchase price of the comparable that the appraiser determines to be attributable to the concessions. The need to\nmake negative dollar adjustments for sales or financing concessions and the amount of the adjustments to the comparable sales\nis not based on how typical the concessions might be for a segment of the market area. Large sales or financing concessions can\nbe relatively typical in a particular segment of the market and still result in sale prices that reflect more than the value of the real\nestate. Adjustments based on dollar-for-dollar deductions that are equal to the cost of the concessions to the seller, as a strict\ncash equivalency approach would dictate, are not appropriate unless supported by the market data.\n\nFannie Mae recognizes that the effect of sales or financing concessions on sales prices can vary with the amount of the\nconcessions and differences in various markets. Adjustments must reflect the difference between what the comparables actually\nsold for with the sales or financing concessions and what they would have sold for without the concessions so that the dollar\namount of the adjustments will approximate the reaction of the market to the concessions. If the appraiser’s analysis determines\nthat the market’s reaction is the full amount of the financing concession, a dollar-for-dollar adjustment is acceptable.\n\nPositive adjustments for sales or financing concessions are not acceptable. For example, if local common practice or law results\nin virtually all of the property sellers in the market area paying a 1% loan origination fee for the purchaser, and a property seller in\nthat market did not pay any loan fees or concessions for the purchaser, the sale would be considered as a cash equivalent sale in\nthat market. The appraiser must recognize comparable sales that sold for all cash or with cash equivalent financing and use them\nas comparable sales if they are the best indicators of value for the subject property. Such sales also can be useful to the appraiser\nin determining those costs that are normally paid by sellers as the result of common practice or law in the market area.\n"}
diff --git a/chunks/json/683d63a92d515841960824d7b09d7022fd2afc0cc3340546a53680740fa9aeb4.json b/chunks/json/683d63a92d515841960824d7b09d7022fd2afc0cc3340546a53680740fa9aeb4.json
new file mode 100644
index 0000000000000000000000000000000000000000..a69441b6e4c52fa6a835bc5a877d656f778751c6
--- /dev/null
+++ b/chunks/json/683d63a92d515841960824d7b09d7022fd2afc0cc3340546a53680740fa9aeb4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":181264,"char_start":179618,"chunk_id":"chk_4026f715a38d8ab1","chunk_index":100,"chunk_sha256":"683d63a92d515841960824d7b09d7022fd2afc0cc3340546a53680740fa9aeb4","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"683d63a92d515841960824d7b09d7022fd2afc0cc3340546a53680740fa9aeb4","token_estimate":411,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Figure 56. Rendering Property Cost Data on the CD Escrow Account Table when EscrowIndicator = “false”.\n\n18.0 Escrow Account\n\nNo Escrow\n\nEstimated\nProperty Costs\nover Year 1\n\n18.6\n\n$5,250.00 Estimated total amount over year 1. You must pay these costs\n\ndirectly, possibly in one or two large payments a year.\n\nBecause the data points used to populate these Escrow Account table fields are uniquely defined and calculated for the CD\naccording to the TRID Regulation, they are included in the document-specific INTEGRATED_DISCLOSURE_DETAIL.\n\nFigure 57. UCD v2.0 Excerpt - Miscellaneous CD Data Requirements.\n\nUCD UID\n\nMISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN\n/DOCUMENT_SPECIFIC_DATA_SETS/DOCUMENT_SPECIFIC_DATA_SET/INTEGRATED_DISCLOSURE/INTEGRATED_DISCLOSURE\n_DETAIL\n\n11.023\n\nFirstYearTotalEscrowPaymentAmo\nunt\n\n11.069\n\nFirstYearTotalNonEscrowPayment\nAmount\n\n3.024\n\nIntegratedDisclosureHomeEquityL\noanIndicator\n\n3500.00\n\n1750.00\n\ntrue\n\n1.001\n\nIntegratedDisclosureIssuedDate\n\n2024-04-18\n\nThis data point is not used if the EscrowIndicator =\n“false”\n\nN O T E : UCD v2.0 no longer includes the data points FirstYearTotalEscrowPaymentDescription,\nFirstYearTotalNonEscrowPaymentDescription or IntegratedDisclosureLoanProductDescription.\n\nFigure 58. XML Snippet - INTEGRATED_DISCLOSURE_DETAIL Data.\n\n<MESSAGE>\n…\n<DEAL>\n <LOANS>\n <LOAN>\n\n<DOCUMENT_SPECIFIC_DATA_SETS>\n <DOCUMENT_SPECIFIC_DATA_SET>\n\n<INTEGRATED_DISCLOSURE>\n\n<INTEGRATED_DISCLOSURE_DETAIL>\n\n<FirstYearTotalEscrowPaymentAmount>3500.00</FirstYearTotalEscrowPaymentAmount>\n"}
diff --git a/chunks/json/685759dc16fea300804a45e3c95adcf31987e1dd5f31eb184433f73a52ddf733.json b/chunks/json/685759dc16fea300804a45e3c95adcf31987e1dd5f31eb184433f73a52ddf733.json
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index 0000000000000000000000000000000000000000..3801a8fa9b7f58b4921b9a5bc43696c5e7557f9e
--- /dev/null
+++ b/chunks/json/685759dc16fea300804a45e3c95adcf31987e1dd5f31eb184433f73a52ddf733.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":40529,"char_start":38886,"chunk_id":"chk_c95602d828df08bb","chunk_index":14,"chunk_sha256":"685759dc16fea300804a45e3c95adcf31987e1dd5f31eb184433f73a52ddf733","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_96e78a2d28acf23b","text_sha256":"685759dc16fea300804a45e3c95adcf31987e1dd5f31eb184433f73a52ddf733","token_estimate":411,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__Uniform_Closing_Dataset___Fannie_Mae_dr8d4l.md"]},"text":"**29. How do I determine the value that should be delivered UID 4.039 Average Prime Offer Rate Percent (APOR)?**\n\nRefer to [https://ffiec.cfpb.gov/tools/rate-spread](https://ffiec.cfpb.gov/tools/rate-spread) for information on how to calculate the APOR.\n\n**30. How do I identify in the UCD XML file fees related to a loan with a temporary buydown?**\n\nIf the loan has a temporary buydown feature, include the following data points in the UCD XML file:\n\n- Buydown Temporary Subsidy Funding Indicator = “true”\n- Fee Type = “TemporaryBuydownPoints” (the total dollar amount of the buydown fund)\n- Fee Type = “TemporaryBuydownAdministrationFee” (the total cost to the borrower for the service of establishing the buydown fund, when charged)\n**31. What value is expected in UID 3.038 Current Rate Set Date?**\n\nAs defined in the MISMO v3.3.0 Logical Data Dictionary and reflected in the UCD Specs, Current Rate Set Date is, *“The date on which the interest rate for the loan was set by the lender for the final time before closing.”*\n\n**32. How do I indicate that the Secured Overnight Financing Rate (SOFR) was used as the index for an Adjustable-Rate Mortgage (ARM) Transaction?**\n\nThe value “Other” should be provided in UID 11.055 Index Type and the value “SOFR” should be provided in UID 11.100 Index Type Other Description.\n\n*Note: If your business process requires delivery of ‘30DayAverageSOFR’, this value can be delivered in the UCD XML file instead of ‘SOFR’ and will not impact the status of your UCD submission or the eligibility of the loan.*\n\n**33. How is the subject property address provided when it does not have a street address?**\n"}
diff --git a/chunks/json/685858b768ff21831eff6693a9a84531f8b05de86e9e9041b6c8b08bb8b1f9f3.json b/chunks/json/685858b768ff21831eff6693a9a84531f8b05de86e9e9041b6c8b08bb8b1f9f3.json
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index 0000000000000000000000000000000000000000..de8bd12690cfc9029ff028c69ba2db9d82b9d77b
--- /dev/null
+++ b/chunks/json/685858b768ff21831eff6693a9a84531f8b05de86e9e9041b6c8b08bb8b1f9f3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10473,"char_start":8628,"chunk_id":"chk_ab7af41cba088f4d","chunk_index":5,"chunk_sha256":"685858b768ff21831eff6693a9a84531f8b05de86e9e9041b6c8b08bb8b1f9f3","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f1e9e323046af3f6","text_sha256":"685858b768ff21831eff6693a9a84531f8b05de86e9e9041b6c8b08bb8b1f9f3","token_estimate":461,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_House_Price_Index____FHFA_57dbusi.md"]},"text":"## Breadcrumb\n\n- [Home](/)\n - [FHFA Data](/data)\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\n## What does the FHFA HPI® represent?\n\n---\n\nThe FHFA HPI® is a broad measure of the movement of single-family house prices. The FHFA HPI® is a weighted, repeat-sales index, meaning that it measures average price changes in repeat sales or refinancings on the same properties. This information is obtained by reviewing repeat mortgage transactions on single-family properties whose mortgages have been purchased or securitized by Fannie Mae or Freddie Mac since January 1975.\n\nThe FHFA HPI® serves as a timely, accurate indicator of house price trends at various geographic levels. Because of the breadth of the sample, it provides more information than is available in other house price indexes. It also provides housing economists with an improved analytical tool that is useful for estimating changes in the rates of mortgage defaults, prepayments and housing affordability in specific geographic areas.\n"}
diff --git a/chunks/json/685ac79564e58a60f231bf511a32764eed8e5be3fc4fe959e8c845ab315da718.json b/chunks/json/685ac79564e58a60f231bf511a32764eed8e5be3fc4fe959e8c845ab315da718.json
new file mode 100644
index 0000000000000000000000000000000000000000..05728169ebff7bd289e7b21f8cff9ec3adcbc9b0
--- /dev/null
+++ b/chunks/json/685ac79564e58a60f231bf511a32764eed8e5be3fc4fe959e8c845ab315da718.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":273497,"char_start":272123,"chunk_id":"chk_04de23c6667ee509","chunk_index":159,"chunk_sha256":"685ac79564e58a60f231bf511a32764eed8e5be3fc4fe959e8c845ab315da718","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"685ac79564e58a60f231bf511a32764eed8e5be3fc4fe959e8c845ab315da718","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"20\n\nString\n\nThis is a free text field which should describe the heating/cooling.\n\n10\n\nMoney\n\n20\n\nString\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nPDF Display Format:\nWhole dollars only.\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis is a free text field which must describe any energy efficient items.\n\nIf none, the appraiser must indicate 'None'.\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\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nThe sum of this field 2-88 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, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must\nadd up to Net Adjustment field 2-103.\n\nThe sum of this field 2-90 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, 2-92, 2-94, 2-96, 2-98, 2-100) must\nadd up to Net Adjustment field 2-103.\n\nCR\n\nT\n\nCR\n\nT\n\nCR\n\nR\n\nCR\n\nR\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\nCR\n\nR\n\nCR\n\nR\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 65 of 211\n\nDocument Version 1.4\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n"}
diff --git a/chunks/json/6866b13448b33b15e49a6bb661eb441306f88caa2a60f2fba8b74a325e44122f.json b/chunks/json/6866b13448b33b15e49a6bb661eb441306f88caa2a60f2fba8b74a325e44122f.json
new file mode 100644
index 0000000000000000000000000000000000000000..368a9833cfc4d1cb9a2a2fcc1120d4b12ea46e14
--- /dev/null
+++ b/chunks/json/6866b13448b33b15e49a6bb661eb441306f88caa2a60f2fba8b74a325e44122f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":42822,"char_start":41210,"chunk_id":"chk_b6649a3e67df68ba","chunk_index":24,"chunk_sha256":"6866b13448b33b15e49a6bb661eb441306f88caa2a60f2fba8b74a325e44122f","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"6866b13448b33b15e49a6bb661eb441306f88caa2a60f2fba8b74a325e44122f","token_estimate":403,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"End of SF CTF\n\nSF CTF\n\n32\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nMultifamily Properties\nNational File Property Level\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n1\n\nenterprise\n\nEnterprise Flag\n\n1 = Fannie Mae\n2 = Freddie Mac\n\n2\n\n8\n\nrecord_num_mf_nf\n\nRecord Number\n\nStarts at 10,000,001 for Fannie Mae\nand 20,000,0001 for Freddie Mac\n\n3\n\n1\n\ntract_minority_cat\n\n2020 Census Tract -\nPercent Minority\n\n4\n\n1\n\ntract_income_cat\n\nTract Income Ratio\n\n1 = >=0, <10%\n2 = >=10, <30%\n3 = >=30, <=100%\n9 = Missing\n\n1 = >0, <=80%\n2 = >80, <=120%\n3 = >120%\n9 = Missing\n\nFlag identifying whether the mortgage was\npurchased by Fannie Mae or by Freddie Mac.\nFannie Mae and Freddie Mac are collectively\nreferred to as the Enterprises in this\ndocument.\nSequential numerical identifier for the\nproperty not related to the record number in\nthe Census Tract File but matching the record\nnumber in each associated multifamily\nNational File unit class record.\n\nThe percentage of the census tract’s\npopulation that is classified as belonging to a\nminority group, based on the 2020 decennial\ncensus. See definition of Minority in 12 CFR\n1282.1.\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.\n\nMF NFP\n\n33\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n5\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n"}
diff --git a/chunks/json/6866d14e6f76ed3a38c19cf959e73c25cccc6b2a80036f7cf5d03f0671aa3d2e.json b/chunks/json/6866d14e6f76ed3a38c19cf959e73c25cccc6b2a80036f7cf5d03f0671aa3d2e.json
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index 0000000000000000000000000000000000000000..1354c5b32a92d95bd6c71f05f4687bb9e4dcfc2d
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+{"chunk":{"char_end":299329,"char_start":297622,"chunk_id":"chk_a6e6969cbbadfed1","chunk_index":176,"chunk_sha256":"6866d14e6f76ed3a38c19cf959e73c25cccc6b2a80036f7cf5d03f0671aa3d2e","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"6866d14e6f76ed3a38c19cf959e73c25cccc6b2a80036f7cf5d03f0671aa3d2e","token_estimate":427,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Information that May Display in Black Tab\n\nThe Unit Interior black tab provides context as to where the unit is located.\n\nExamples:\n• A single-family property with no ADU would display “Unit Interior”\n\n• An ADU in a detached garage might display “Unit Interior – ADU/Garage – ADU”, depending on appraiser\n\ninputs\n\no Outbuilding Type is ADU/Garage\no Unit Identifier is ADU\n\n• A unit in a 2- to 4-unit property with one dwelling might display “Unit Interior – Unit 3”, depending on\n\nappraiser inputs\n\no Unit Identifier is Unit 3\n\n• A unit in a 2- to 4-unit property with multiple dwellings might display “Unit Interior – Building 2 – Unit 2\",\n\ndepending on appraiser inputs\n\no Structure Identifier is Building 2\no Unit Identifier is Unit 2\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\n10.000 Unit Interior\n\nDisplays if applicable\n\nN/A\n\n(black tab)\n\nIf the unit is an ADU in an outbuilding, Outbuilding Type (12.001) redisplays\nfrom the Outbuilding section.\n\nUnit Interior: Black Tab\n\nAppendix F-1: URAR Reference Guide\n\nPage 125 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n10 Unit Interior\n\nUnit Interior: Black Tab\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n10.001 Unit Interior\n\nDisplays if applicable\n\nN/A\n\n(black tab)\n\n10.002 Unit Interior\n\n(black tab)\n\nRequired if there is\nmore than one living\nunit\n\nFree-form\n\nDefinition / Additional Guidance\n\nIf applicable, Structure Identifier (8.000) redisplays from the Dwelling Exterior\nsection.\nExamples: Building 1, Building 2, Front, Rear\nUnit Identifier: An identifier assigned by the appraiser that differentiates\nbetween multiple units on the property.\n"}
diff --git a/chunks/json/68755ac5dfbb7ff566f5ec08b94d2748383d2705bbe52ddff24bfc9f9e419e82.json b/chunks/json/68755ac5dfbb7ff566f5ec08b94d2748383d2705bbe52ddff24bfc9f9e419e82.json
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index 0000000000000000000000000000000000000000..5b74a437bb99b5db84ad137c6b76845915623347
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+++ b/chunks/json/68755ac5dfbb7ff566f5ec08b94d2748383d2705bbe52ddff24bfc9f9e419e82.json
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+{"chunk":{"char_end":16521,"char_start":14861,"chunk_id":"chk_0bde2af49a4569ea","chunk_index":9,"chunk_sha256":"68755ac5dfbb7ff566f5ec08b94d2748383d2705bbe52ddff24bfc9f9e419e82","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e27a00af35fdbad9","text_sha256":"68755ac5dfbb7ff566f5ec08b94d2748383d2705bbe52ddff24bfc9f9e419e82","token_estimate":415,"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":"Level B1 - Den\n\nThis is where the Bath 1 photo would display.\n\nThis is where the Den photo would display.\n\nLevel 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 2024\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 2024\n"}
diff --git a/chunks/json/68777ef37477d4f164c356a3638ea0f40ef8c6941642b4f682ef6448fbec9bfb.json b/chunks/json/68777ef37477d4f164c356a3638ea0f40ef8c6941642b4f682ef6448fbec9bfb.json
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index 0000000000000000000000000000000000000000..b7bb832aaa1a072e0c357efb3e0bffd61bfe5afa
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+++ b/chunks/json/68777ef37477d4f164c356a3638ea0f40ef8c6941642b4f682ef6448fbec9bfb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":548490,"char_start":546893,"chunk_id":"chk_d17bc86740458407","chunk_index":316,"chunk_sha256":"68777ef37477d4f164c356a3638ea0f40ef8c6941642b4f682ef6448fbec9bfb","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"68777ef37477d4f164c356a3638ea0f40ef8c6941642b4f682ef6448fbec9bfb","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"This is where the Carport photo would display.\n\nThis is where the Garage photo would display.\n\nSubject Property Amenities\n\nAmenity Category\nOutdoor Living\n\nSubject Property Amenity\nDeck\n\nWater Features\n\nWhole Home\n\nPatio\n\nPorch\n\nInground Pool\n\nIndoor Fireplace\n\nWood Stove\n\nMaterial\nWood\n\nWood\n\nConcrete\n\nConcrete\n\nConcrete\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities)\n\nNone\n\nSubject Property Amenities Exhibits\n\nDeck - Deck 1 and Deck 2\n\nPatio\n\nDetail\n640 Sq. Ft.\n\n160 Sq. Ft.\n\n240 Sq. Ft.\n\n300 Sq. Ft.\n\nDiving Board\n\nTotal Number - 1\n\nTotal Number - 1\n\nThis is where the Decks photo would display.\n\nThis is where the Patio photo would display.\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 12 of 22\n\nSubject Property Amenities (continued)\n\nPorch\n\nInground Pool\n\nThis is where the Porch photo would display.\n\nThis is where the Inground Pool photo would display.\n\nIndoor Fireplace\n\nWood Stove\n\nThis is where the Indoor Fireplace photo would display.\n\nThis is where the Wood Stove 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\nC4\nC3\nC4\n\nReconciliation of Overall Quality and Condition\n\nThe exterior was recently painted and new windows, shutters and doors were installed. However, the overall condition was reconciled to C4\ngiven the interior condition of the primary dwelling.\n"}
diff --git a/chunks/json/688ef12373ab15654be87f37d0fe7d17d50b84791ee443dfe540f29bac6db634.json b/chunks/json/688ef12373ab15654be87f37d0fe7d17d50b84791ee443dfe540f29bac6db634.json
new file mode 100644
index 0000000000000000000000000000000000000000..54a426f33b8b891e99b50287e3c124ef2e18145d
--- /dev/null
+++ b/chunks/json/688ef12373ab15654be87f37d0fe7d17d50b84791ee443dfe540f29bac6db634.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":16103,"char_start":14401,"chunk_id":"chk_f323573b40b46c64","chunk_index":8,"chunk_sha256":"688ef12373ab15654be87f37d0fe7d17d50b84791ee443dfe540f29bac6db634","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_1a65065b3ed6f3a3","text_sha256":"688ef12373ab15654be87f37d0fe7d17d50b84791ee443dfe540f29bac6db634","token_estimate":533,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Credit_Risk_Transfer___FHFA_wrc2oh.md"]},"text":"**​​Related Documents:**\n\n---\n\n[2017 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization Solutions (12/15/2016)](/sites/default/files/2023-03/2017-Scorecard-for-Fannie-Mae-Freddie-Mac-and-CSS.pdf)\n\n[2016 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization Solutions (12/17/15)](/sites/default/files/2023-03/2016-Scorecard.pdf)\n\n[2015 Scorecard Progress Report (3/3/16)](/sites/default/files/2023-03/progress-report-2015-scorecard.pdf)\n\n[All Scorecards](/reports/conservatorships-performance-goals-scorecard)\n\n[All Scorecard Progress Reports​](/reports/conservatorships-progress-report)​\n\n[Overview of Fannie Mae and Freddie Mac Credit Risk Transfer Transactions (8/21/15)](/node/3756)\n\n[FHFA Statements on Credit Risk Transfer](/policy/fhfa-statements-credit-risk-transfer)​​\n\n**Enterprise Credit Risk Transfer information:**\n\n---\n\n[Freddie Mac](https://capitalmarkets.freddiemac.com/crt/about)\n\n​​Fannie Mae\n\n*Page last updated: April 11, 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/68901567d55c920de66d52e9477828723e629100787f70d4442fecca1d43c8ee.json b/chunks/json/68901567d55c920de66d52e9477828723e629100787f70d4442fecca1d43c8ee.json
new file mode 100644
index 0000000000000000000000000000000000000000..4c04193749224a4fe3d366f21673c51bc2d8f99a
--- /dev/null
+++ b/chunks/json/68901567d55c920de66d52e9477828723e629100787f70d4442fecca1d43c8ee.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":394420,"char_start":392811,"chunk_id":"chk_ed35a675d13558bf","chunk_index":227,"chunk_sha256":"68901567d55c920de66d52e9477828723e629100787f70d4442fecca1d43c8ee","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"68901567d55c920de66d52e9477828723e629100787f70d4442fecca1d43c8ee","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"C4\nC4\nC4\n\nReconciliation of Overall Quality and Condition\n\nThe Overall Quality and Condition matches the Interior Quality and Condition, as well as the Exterior Quality and Condition, since the exterior\nand interior are both of the same age.\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 highest and best use analysis as improved is physically possible and legally permissible based on its current zoning. Analysis of the market\nshown below demonstrates that the existing structure as a single family residence is its financially feasible and maximally productive use.\n\nMarket\n\nMarket Area Boundary North: E. Grant Highway, South: E. Temple Ave., East: Chicken Rd., West: 10 Main Ave.\n\nSearch Criteria Description Search Criteria limited by Detached units with a lot size of up to .6 acres and a Finished Area Above Grade\nbetween 2700 and 3300 sq. ft. Additional factors include between 2-4 full bathrooms, 3-5 bedrooms, a basement and a 2 car garage. Searched\nbetween closing dates of 9/30/2017 and 9/30/2019.\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 11 of 21\nPage 11 of 21\n\nMarket (continued)\n\nSearch Result Metrics\n\nActive Listings\n"}
diff --git a/chunks/json/689784fe3af96bd7047071c4ad7e0d12e598640d6f862c58bbd9fe05d188a196.json b/chunks/json/689784fe3af96bd7047071c4ad7e0d12e598640d6f862c58bbd9fe05d188a196.json
new file mode 100644
index 0000000000000000000000000000000000000000..b46163fbd785359ec76e88c6ea82bc851c4c12d9
--- /dev/null
+++ b/chunks/json/689784fe3af96bd7047071c4ad7e0d12e598640d6f862c58bbd9fe05d188a196.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":66592,"char_start":64966,"chunk_id":"chk_83e54c2d58fb1c23","chunk_index":35,"chunk_sha256":"689784fe3af96bd7047071c4ad7e0d12e598640d6f862c58bbd9fe05d188a196","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"689784fe3af96bd7047071c4ad7e0d12e598640d6f862c58bbd9fe05d188a196","token_estimate":407,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"Application Date: Application Date is\nan unchanged HMDA data element that\nindicates the date the loan application\nwas received or the date shown on the\nloan application form.114 The\nEnterprises collect Application Date.\nBecause Application Date presents\nborrower privacy concerns, the CFPB\nintends to exclude it from its public\ndataset.115 In conformance with the\nCFPB Privacy Guidance, Application\nDate will continue to be excluded from\nthe Single-Family PUDB.\n\nProperty Address: Property Address is\n\na new HMDA data element that\nindicates the address of the property\nsecuring the loan.116 The Enterprises\ncollect Property Address. Because\nProperty Address is uniquely\nidentifying, the CFPB intends to exclude\nit from its public dataset.117 In\nconformance with the CFPB Privacy\nGuidance, Property Address will\ncontinue to be excluded from the\nSingle-Family PUDB.\n\nCredit Score: Credit Score is a new\n\nHMDA data element indicating the\ncredit score relied on by the lender to\nmake the decision on the loan\napplication.118 Credit Score is currently\npublished in ranges in the PUDB Single-\nFamily National File C, in accordance\nwith FHFA’s statutory requirement to\npublish high-cost securitized mortgage\ndata, which includes data about\nborrower creditworthiness.119 The CFPB\n\n111 12 CFR 1003.4(a)(1)(i).\n112 84 FR at 660.\n113 Any reported Non-Universal Loan Identifier\n(NULI) would also be excluded from the PUDB to\nconform to the CFPB Privacy Guidance. Id.\n\n114 12 CFR 1003.4(a)(1)(ii).\n115 84 FR at 660.\n116 12 CFR 1003.4(a)(9)(i).\n117 84 FR at 663.\n118 12 CFR 1003.4(a)(15)(i).\n119 12 U.S.C. 4546(d)(2); FHFA 2011 Order, 76 FR\n"}
diff --git a/chunks/json/689bcbef6d03ed27ba02c659dd77f4f08e2d40983519540bc2f7aa8662a37495.json b/chunks/json/689bcbef6d03ed27ba02c659dd77f4f08e2d40983519540bc2f7aa8662a37495.json
new file mode 100644
index 0000000000000000000000000000000000000000..68b93f316a0a588bc2f9b92678a55a14424d09a6
--- /dev/null
+++ b/chunks/json/689bcbef6d03ed27ba02c659dd77f4f08e2d40983519540bc2f7aa8662a37495.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12099,"char_start":11086,"chunk_id":"chk_7da5d9d7664fe850","chunk_index":7,"chunk_sha256":"689bcbef6d03ed27ba02c659dd77f4f08e2d40983519540bc2f7aa8662a37495","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_698a10a0e5f6da7f","text_sha256":"689bcbef6d03ed27ba02c659dd77f4f08e2d40983519540bc2f7aa8662a37495","token_estimate":400,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Hybrid_70H.pdf"]},"text":"ESTIMATED\n7\nSource of cost data 9\nQuality rating from cost service\n 11\n 10\nComments on Cost Approach (gross living area calculations, depreciation, etc.)\n12\n\nEffective date of cost data\n\n19\n\n16\n 20\n\nOPINION OF SITE VALUE ....................................................... = $\n........... =$\nSq. Ft. @ $\nDwelling 15\n18\n........... =$\nSq. Ft. @ $\n22\nGarage/Carport 24\nTotal Estimate of Cost-New\nFunctional\nLess\nDepreciation\n=$(\n 31\nDepreciated Cost of Improvements............................................ =$\n“As-is” Value of Site Improvements............................................ =$\n\n........... =$\n.......... = $\n\nPhysical\n 29\n\nExternal\n 33\n\nSq. Ft. @ $\n\n25\n\n14\n 17\n 21\n 23\n 26\n 27\n\n34\n 35\n 36\n\n)\n\nEstimated Remaining Economic Life (HUD and VA only)\n\n13\n\nYears Indicated Value By Cost Approach ............................................ =$\n\n37\n\n38\nEstimated Monthly Market Rent $\nSummary of Income Approach (including support for market rent and GRM) 41\n\nX Gross Rent Multiplier 39\n\n= $\n"}
diff --git a/chunks/json/689fff9a7b6a1d74d67bb148c30289b719225ae9e3c91136842844779155ed7a.json b/chunks/json/689fff9a7b6a1d74d67bb148c30289b719225ae9e3c91136842844779155ed7a.json
new file mode 100644
index 0000000000000000000000000000000000000000..b84d7b480fc529f639375dbf521617760a3819f2
--- /dev/null
+++ b/chunks/json/689fff9a7b6a1d74d67bb148c30289b719225ae9e3c91136842844779155ed7a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":585958,"char_start":584358,"chunk_id":"chk_9e1fcbe4ffcda0c4","chunk_index":348,"chunk_sha256":"689fff9a7b6a1d74d67bb148c30289b719225ae9e3c91136842844779155ed7a","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"689fff9a7b6a1d74d67bb148c30289b719225ae9e3c91136842844779155ed7a","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Origin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Interior Quality and Condition\n\nIf relevant, for\neach\nadditional\nfeature\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nFree-form\n\nUnit Interior\n•\n\nInterior Feature\nOther Description\n10.044 (Report\nLabel)\n\nOther Interior Feature\nQuality Summary\n22.08.09 does not\npopulate from Unit\nInterior; the appraiser\nmust enter information\nfor the subject property\n\nNo\n\nIf needed to support the quality rating, additional rows may be included\nfor any features not predefined that were added to the Interior Features\ntable in the Unit Interior section.\n\nExample: Other Interior Feature Example in Unit Interior and Sales\nComparison Approach\n\nOther Interior Feature Quality Summary: A short description\nsummarizing the quality of the additional feature. Example: Custom\ndesigned high grade\n\nNotes:\n•\n•\n\nIf the feature does not exist for the comparable, enter “None”.\nIf the comparable has an interior feature that the subject does not\nhave, report as an Additional Row in the Unit(s) subsection\n(22.07.15) and not here.\n\n22.09.10\n22.09.25\n\nCondition\n\nAlways\n\nAlways required\n\nC1 to C6\n\nUnit Interior\n•\n\nInterior Condition\nRating 10.035\n\nNo\n\nThe Interior Condition Rating for the unit provides support for the\nOverall Condition Rating. Adjustments are made in the Overall Condition\nRating row.\n\n22.09.11\n22.09.26\n\nKitchen\n\nIf relevant, for\neach kitchen\nin the unit\n\nRequired when the\nrow is included in the\nsales comparison grid\n\n22.09.12\n22.09.27\n\nOverall\nBathrooms\n\nIf relevant\n"}
diff --git a/chunks/json/68a2a28f1840a27ca37fef52a379b73f4da96fb938c3449b97a024573d77d799.json b/chunks/json/68a2a28f1840a27ca37fef52a379b73f4da96fb938c3449b97a024573d77d799.json
new file mode 100644
index 0000000000000000000000000000000000000000..f9adcd86b19926961c78f6ba336d2325c8d11e87
--- /dev/null
+++ b/chunks/json/68a2a28f1840a27ca37fef52a379b73f4da96fb938c3449b97a024573d77d799.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":344055,"char_start":342237,"chunk_id":"chk_59e47b51fbe534a2","chunk_index":203,"chunk_sha256":"68a2a28f1840a27ca37fef52a379b73f4da96fb938c3449b97a024573d77d799","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"68a2a28f1840a27ca37fef52a379b73f4da96fb938c3449b97a024573d77d799","token_estimate":455,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"designed.\nNote: If this answer is selected, individual damages and structural issues must be reported in the Apparent Defects,\nDamages, and Deficiencies (Unit Interior) subsection.\n\nNo Finish\n\nThe feature is missing its final finish.\n\nAppendix F-1: URAR Reference Guide\n\nPage 143 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n10 Unit Interior\n\nOverall Update Status for Flooring\n\nThe appraiser must identify the overall update status for all flooring in the unit. This information displays in the\nSales Comparison Approach section, if relevant.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n10.049 Overall Update\n\nAlways required\n\nStatus for\nFlooring\n\nUnit Interior: Overall Update Status for Flooring\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom table (Overall\nUpdate Status for\nFlooring)\n\nDefinition / Additional Guidance\n\nBased on the appraiser’s analysis and determination considering the overall\nlevel of updating, the update status of all flooring in aggregate.\n•\nFully Updated\n•\nSignificantly Updated\n• Moderately Updated\n•\nNot Updated\n\nAllowable Answer\n\nFully Updated\n\nOverall Update Status for Flooring (Choose one for the unit)\n\nDefinition / Additional Guidance\n\nAll flooring throughout the living unit has been completely modernized, renovated, refinished, or remodeled and is new or\nin like new condition. Note: This includes gut rehabs, new additions, or new construction (3.017).\n\nSignificantly Updated\n\nA majority, but not all, of the flooring throughout the living unit appears to have been updated.\n\nModerately Updated\n\nSome flooring in the living unit has minor updates and / or minimal modernization with less than a majority of the flooring\nappearing to have been updated.\nNote: If the unit has one or more types of flooring that are all Partially Updated, choose this answer.\n"}
diff --git a/chunks/json/68aa9bf58de25a2f3b3e3c16bb85199bf4f16dbc3cccb39dea9a1447d97520d7.json b/chunks/json/68aa9bf58de25a2f3b3e3c16bb85199bf4f16dbc3cccb39dea9a1447d97520d7.json
new file mode 100644
index 0000000000000000000000000000000000000000..2ddb5c7d7162e6e0cb3e2f60d0b0f8e3b1688fc1
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+{"chunk":{"char_end":1731,"char_start":0,"chunk_id":"chk_d6443ab130776626","chunk_index":0,"chunk_sha256":"68aa9bf58de25a2f3b3e3c16bb85199bf4f16dbc3cccb39dea9a1447d97520d7","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7770082cb77839a3","text_sha256":"68aa9bf58de25a2f3b3e3c16bb85199bf4f16dbc3cccb39dea9a1447d97520d7","token_estimate":529,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FAIR_Act_Inventory___U_S__FEDERAL_HOUSING_jnhsrj.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/fair-act-inventory\"\ndate_accessed: \"2026-01-27T17:48:02.779Z\"\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/68b21170b95575dc94ea08ad49061ec3ab8b683c9e7d50aabcede54ebdc7d1c2.json b/chunks/json/68b21170b95575dc94ea08ad49061ec3ab8b683c9e7d50aabcede54ebdc7d1c2.json
new file mode 100644
index 0000000000000000000000000000000000000000..fb129de72ba294d1e1648a7edb58319aab770f52
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+++ b/chunks/json/68b21170b95575dc94ea08ad49061ec3ab8b683c9e7d50aabcede54ebdc7d1c2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1749,"char_start":0,"chunk_id":"chk_98c3ac6c4d7da31e","chunk_index":0,"chunk_sha256":"68b21170b95575dc94ea08ad49061ec3ab8b683c9e7d50aabcede54ebdc7d1c2","date_utc":"2026-01-27T17:54:31+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_450ac1afc0c2a877","text_sha256":"68b21170b95575dc94ea08ad49061ec3ab8b683c9e7d50aabcede54ebdc7d1c2","token_estimate":535,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Market_Risk_Scenarios___FHFA_quvekg.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/fhlb-stress-tests/market-risk-scenarios\"\ndate_accessed: \"2026-01-27T17:54:20.632Z\"\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/68b3b2cb4ca7b7b21f2b40a496dfb9bcf17d0f5c0132c6cc6163c2f3dbbfaaba.json b/chunks/json/68b3b2cb4ca7b7b21f2b40a496dfb9bcf17d0f5c0132c6cc6163c2f3dbbfaaba.json
new file mode 100644
index 0000000000000000000000000000000000000000..6a0f1a7336cc0b1a733d9acf3485d244742e0373
--- /dev/null
+++ b/chunks/json/68b3b2cb4ca7b7b21f2b40a496dfb9bcf17d0f5c0132c6cc6163c2f3dbbfaaba.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":5424,"char_start":1754,"chunk_id":"chk_66f24d77c068613c","chunk_index":1,"chunk_sha256":"68b3b2cb4ca7b7b21f2b40a496dfb9bcf17d0f5c0132c6cc6163c2f3dbbfaaba","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"68b3b2cb4ca7b7b21f2b40a496dfb9bcf17d0f5c0132c6cc6163c2f3dbbfaaba","token_estimate":2393,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"08 Assignment\nInformation\n\n2024-002\n\nCorrected typo in Lender, Client, and AMC: The client is the party who engages an\nappraiser.\n\nHeader and Footer\n\n2023-061 Updated date in footer to December 2023.\n\nOverview\n\n2023-037\n\nBest Practices: Corrected section name for Certifications and Intended Use / User.\n\n03 Itemized List of\nRepairs\n\n04 New Observed\nItems for Repair\n\n08 Assignment\nInformation\n\n2023-045\n\nUpdated the ‘Definition / Additional Guidance’ column for Description (03.003) to clarify\nreporting requirements when there is more than one unit.\n\n2023-045\n\nUpdated the ‘Definition / Additional Guidance’ column for Description (04.003) to clarify\nreporting requirements when there is more than one unit.\n\n2023-003 Updated Report Label for Supervisory Appraiser Certifications.\n\n2023-068\n\nClarified that only one contact can be the Client (08.006 / 08.0007).\n\n2023-037\n\nUpdated the ‘Definition / Additional Guidance’ column for ID (08.021, 08.036), and\ncorrected references to ASC and the ASC National Registry.\n\n06/27/2023\n\n1.0\n\nInitial publication\n\nAppendix F-3: Completion Report Reference Guide\n\nPage 2 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nTable of Contents\n\nTable of Contents\n\nRevision History ................................................................................................................................................................... 2\nTable of Contents................................................................................................................................................................. 3\nIntroduction ......................................................................................................................................................................... 4\nOverview ............................................................................................................................................................................. 5\nHeader and Footer ............................................................................................................................................................. 10\n01 Subject Property ........................................................................................................................................................... 11\n02 Original Appraisal ......................................................................................................................................................... 13\n03 Itemized List of Repairs ................................................................................................................................................. 14\n04 New Observed Items for Repair .................................................................................................................................... 16\n05 Completion Status ......................................................................................................................................................... 17\n06 Completion Report Commentary .................................................................................................................................. 20\n07 Completion Report Exhibits .......................................................................................................................................... 21\n08 Assignment Information ............................................................................................................................................... 22\n09 Certifications and Intended Use / User ......................................................................................................................... 29\n"}
diff --git a/chunks/json/68c382d8c59531e61a137725903d30eac49a2152043c0131a8b6a11a722965d5.json b/chunks/json/68c382d8c59531e61a137725903d30eac49a2152043c0131a8b6a11a722965d5.json
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index 0000000000000000000000000000000000000000..48b0152b7c351f91bfa09cf84fdb416a097aa9ac
--- /dev/null
+++ b/chunks/json/68c382d8c59531e61a137725903d30eac49a2152043c0131a8b6a11a722965d5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":354,"char_start":0,"chunk_id":"chk_12296eae09ca0a0c","chunk_index":0,"chunk_sha256":"68c382d8c59531e61a137725903d30eac49a2152043c0131a8b6a11a722965d5","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6ed14f279c811ac1","text_sha256":"68c382d8c59531e61a137725903d30eac49a2152043c0131a8b6a11a722965d5","token_estimate":106,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__UCD_Collection_Solution___Fannie_Mae_y4gsja.md","below_target_min_tokens"]},"text":"---\nsource_url: \"https://singlefamily.fanniemae.com/learning-center/delivering/uniform-closing-dataset-ucd-collection-solution/faqs-ucd-collection-solution\"\ndate_accessed: \"2026-01-27T18:02:17.354Z\"\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/68df4565330f7497e12a1dca78d5b18ed17a065c7e585ca06c60e263ea177a6e.json b/chunks/json/68df4565330f7497e12a1dca78d5b18ed17a065c7e585ca06c60e263ea177a6e.json
new file mode 100644
index 0000000000000000000000000000000000000000..659cc4facb1d48ace00a2279e8792eb7c933f373
--- /dev/null
+++ b/chunks/json/68df4565330f7497e12a1dca78d5b18ed17a065c7e585ca06c60e263ea177a6e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":71938,"char_start":70323,"chunk_id":"chk_07853d5c6ff86ff0","chunk_index":35,"chunk_sha256":"68df4565330f7497e12a1dca78d5b18ed17a065c7e585ca06c60e263ea177a6e","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"68df4565330f7497e12a1dca78d5b18ed17a065c7e585ca06c60e263ea177a6e","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"</SALES_CONTRACT_DETAIL>\n\n</SALES_CONTRACT>\n </SALES_CONTRACTS>\n\n</SUBJECT_PROPERTY>\n\n</COLLATERAL>\n </COLLATERALS>\n\n…\n</MESSAGE>\n\nUCD v2.0 Implementation Guide\n\n- 24 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\niii Sale Includes Personal Property\n\nWhen personal property is included in the sale, different data points are provided and PersonalPropertyIncludedIndicator\n= “true”. Instead of SalesContractAmount, two data points—RealPropertyAmount and PersonalPropertyAmount are included\nin the XML file. Their sum is used to populate 1.7 Sale Price.\n\nFigure 17. Rendering Sales Contract Data on the CD when Personal Property is Included in Sale.\n\n1.0 Closing Information\n\nSummaries of Transactions .0\n\nBORROWER’S TRANSACTION\n\n11.0 Due from Borrower at Closing\n\n1.7 Sale Price $240,000.00\n\n11.1 Sale Price of Property\n\n11.2 Sale Price of Any Personal Property\nincluded in Sale\n\n11.1.1\n\n11.1.1\n\n$210,000.00\n\n$30,000.00\n\nTable 12. UCD v2.0 Spec Excerpt-Sales Contract Data when Personal Property is Included in Sale\nData Requirements.\n\nUCD UID\n\nMISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEA\nL/COLLATERALS/COLLATERAL/SUBJECT_PROPERTY/SALES_CONTRACTS/SALES_CONTRACT/SALES_CONTRACT\n_DETAIL\n\n10.005\n\nPersonalPropertyAmount\n\n30000.00\n\n1.025\n\n1.023\n\nPersonalPropertyIncludedIndicator\n\ntrue\n\nRealPropertyAmount\n\n210000.00\n\nFigure 18. XML File Snippet-Sales Contract Data when Personal Property is Included in Sale.\n\n<MESSAGE/>\n …\n\n<DEAL>\n\n<COLLATERALS>\n\n<COLLATERAL>\n\n<SUBJECT_PROPERTY>\n"}
diff --git a/chunks/json/68e87c85935629c34f42d08fded0cfb838a97afb12f185ba3f62679a1f92aae9.json b/chunks/json/68e87c85935629c34f42d08fded0cfb838a97afb12f185ba3f62679a1f92aae9.json
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index 0000000000000000000000000000000000000000..12c9b639ea1a2b8cfd8139f7a973c5e096839c25
--- /dev/null
+++ b/chunks/json/68e87c85935629c34f42d08fded0cfb838a97afb12f185ba3f62679a1f92aae9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":666445,"char_start":664824,"chunk_id":"chk_01521a05c610e680","chunk_index":394,"chunk_sha256":"68e87c85935629c34f42d08fded0cfb838a97afb12f185ba3f62679a1f92aae9","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"68e87c85935629c34f42d08fded0cfb838a97afb12f185ba3f62679a1f92aae9","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Should conform to USPS (Pub 28). The following address element should be included\nin this field:\n• City\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\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\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nShould conform to USPS (Pub 28). The following address element should be included\nin this field:\n• 5-digit ZIP Code or ZIP+4 code\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nString\n\nThis field should contain the entire telephone number, including area code.\n\nString\n\nFree text – should contain the appraiser’s email address.\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\nUAD Requirement - Refer to Appendix D Appraiser Certification Section\nNote: This data is referenced more than once on the form (field 3-133) and must be\nrepresented consistently.\n\n502\n\n6\n\n12\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nEffective Date of Appraisal\n\nAppraisal Effective\nDate\n\nEffective date of the appraisal report on\nthe subject property.\n\n/VALUATION_RESPONSE/VALUATION/@AppraisalEffectiveDate\n\n10\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\n503\n\n504\n\n505\n\n506\n\n507\n\n6\n\n6\n\n6\n\n6\n\n6\n\n13\n\n14\n\n15\n\n16\n\n17\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_LICENSE[\n@_Type=‘Certificate’]/@_Identifier\n"}
diff --git a/chunks/json/68f317a5be4765f746221cf1e84eca34b9df9115519cb7faaf96cce1f88a71fb.json b/chunks/json/68f317a5be4765f746221cf1e84eca34b9df9115519cb7faaf96cce1f88a71fb.json
new file mode 100644
index 0000000000000000000000000000000000000000..f3d7764b3357951daf6f3b4172ee7429457cc5c5
--- /dev/null
+++ b/chunks/json/68f317a5be4765f746221cf1e84eca34b9df9115519cb7faaf96cce1f88a71fb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8467,"char_start":6862,"chunk_id":"chk_76d6d5ef133f87ac","chunk_index":4,"chunk_sha256":"68f317a5be4765f746221cf1e84eca34b9df9115519cb7faaf96cce1f88a71fb","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_d19adf0f56c3323a","text_sha256":"68f317a5be4765f746221cf1e84eca34b9df9115519cb7faaf96cce1f88a71fb","token_estimate":402,"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":"Public\n\nWater\n\nBeneficial\n\ntrue\n\nFull\n\nGolfCourse\n\nNeutral\n\nfalse\n\nFull\n\nResidential\n\nResidential - Condominium\n\nRC-1\n\nLegal\n\n44828 Jane Ln\n\nAnytown\n\n54321\n\nIL\n\nDriveway\n\nAsphalt\n\n4\n\nfalse\n\nAttached\n\nGarage\n\n3\n\n0\n\nPropertyOwnershipTransferTerms\n\n0\n\nFinancingMethod\n\n0\n\nSalesConcessions\n\n0\n\nContractDate\n\n0\n\nSaleDate\n\n0\n\nProjectInformation\n\n0\n\nSiteSize\n\n0\n\nNeighborhoodName\n\n0\n\nYearBuilt\n\n9000\n\nNonContinuousFinishedArea\n\n-15000\n\nLivingUnitBedroomCount\n\n-10000\n\nLivingUnitBathroomCount\n\n0\n\nLivingUnitStandardFinishedAreaAboveGrade\n\n0\n\nLivingUnitStandardFinishedAreaBelowGrade\n\n0\n\nLivingUnitUnfinishedAreaBelowGrade\n\n12500\n\nOverallConditionRating\n\n-2000\n\nOutdoorLivingAmenity\n\n899500\n\nNorthEast\n\nLess\n\ntrue\n\ntrue\n\n566\n\n1\n\n.75\n\n-5500\n\nfalse\n\nfalse\n\nImpactResistantGlass\n\nImpactResistantShingles\n\ntrue\n\nGold\n\nLEED\n\n525\n\nMonthly\n\nAssociationDues\n\nDwelling\n\n2017\n\nfalse\n\nNylon Short Loop and Engineered Wood\n\nFlooring\n\n9 Ft. | Custom\n\nWallsAndCeiling\n\n300\n\n1600\n\n1300\n\nfalse\n\n5\n\n3\n\n1\n\nC2\n\nQ3\n\n2\n\nMixture of Tile and Granite\n\nCommercial Grade Appliances\n\nKitchen\n\nCementBoard\n\nExteriorWallsAndTrim\n\nBasement\n\nFoundation\n\nComposition\n\nRoof\n\nC2\n\nQ3\n\n1\n\n0\n\nNaturalGas\n\nForcedWarmAir\n\nPropertyPhoto\n\n\\\\Images\\Condo2_Comp1.jpg\n\nimage/jpeg\n\n21\n\n905000\n\nSettledSale\n\n25.165174\n\n-51.328126\n\nDucks on the Pond\n\nClubhouse\n\nClubMembership\n\nGatedCommunity\n\nIngroundPool\n\nOther\n\nSnow Removal\n\nTrashRemoval\n\nCondominium\n\nXYZ Project\n\nDeck\n\nPatio\n\nPorch\n\nOutdoorLiving\n\n2\n\nIndoorFireplace\n\nWholeHome\n\n0\n\nDetached\n\n1\n\ntrue\n\n1\n\nC2\n\nQ3\n\ntrue\n\ntrue\n\nFeeSimple\n\ntrue\n\nfalse\n\nfalse\n\ntrue\n\n2018-03-30\n\n905000\n\nSale\n\nTypicallyMotivated\n"}
diff --git a/chunks/json/68f95bc36236ca7e761f0144c1058f9b911c4112f88128294628171e7eae51d2.json b/chunks/json/68f95bc36236ca7e761f0144c1058f9b911c4112f88128294628171e7eae51d2.json
new file mode 100644
index 0000000000000000000000000000000000000000..36780c7bb6dbfe87884e9fa56100b9329d9202a9
--- /dev/null
+++ b/chunks/json/68f95bc36236ca7e761f0144c1058f9b911c4112f88128294628171e7eae51d2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":945223,"char_start":943481,"chunk_id":"chk_79d1397b7e3b85b1","chunk_index":562,"chunk_sha256":"68f95bc36236ca7e761f0144c1058f9b911c4112f88128294628171e7eae51d2","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"68f95bc36236ca7e761f0144c1058f9b911c4112f88128294628171e7eae51d2","token_estimate":436,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"PDF Display Format:\nWhole numbers only\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum of this field 3-93 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,\n3-95, 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\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThe appraisal report must indicate the square footage in whole numbers only, no\ncommas. If there is no basement, 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 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 file,\nthey must be shown exactly as they appear below:\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\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis field indicates the number of finished recreation rooms in the basement.\n"}
diff --git a/chunks/json/68fd4c8519b829da3d0863f79ef0941c277a4b90cb219a78e7d2ff4040bfdce4.json b/chunks/json/68fd4c8519b829da3d0863f79ef0941c277a4b90cb219a78e7d2ff4040bfdce4.json
new file mode 100644
index 0000000000000000000000000000000000000000..390eceef0d0348ae1048bff913a0a6db2d36ac05
--- /dev/null
+++ b/chunks/json/68fd4c8519b829da3d0863f79ef0941c277a4b90cb219a78e7d2ff4040bfdce4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":24086,"char_start":22230,"chunk_id":"chk_0c240e1bb51dd404","chunk_index":13,"chunk_sha256":"68fd4c8519b829da3d0863f79ef0941c277a4b90cb219a78e7d2ff4040bfdce4","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_30543138a1c3e2a6","text_sha256":"68fd4c8519b829da3d0863f79ef0941c277a4b90cb219a78e7d2ff4040bfdce4","token_estimate":464,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/frequently-asked-questions-du-spec.pdf"]},"text":"In a two-closing construction-to-permanent transaction, the permanent mortgage delivered to Fannie Mae\nmay be closed as:\n\n• Limited Cash-out Refinance transaction\n• Cash-out Refinance transaction.\n\nThe following is a sample of a Two Closing, Limited Cash-Out Refinance Construction-to-Permanent\ntransaction. For the complete XML and full URLA forms please refer to test case DI-C06.\n\n“L1. Property and Loan Information” of the Lender Loan Information URLA and the related XML.\n\n24\n\nIn a Two Closing transaction no value is sent in the XML or shown on the form in section “L4 Line A. Sales\nContract Price”. Rather, the $145,000 financed construction cost is reflected on “Line D. For\nRefinance: Balance of Mortgage Loan”, as a payoff of the interim construction loan. In the XML the\n$145,000 amount is reflected as a payoff of “LIABILITY_1” where LiabilityPayoffStatusIndicator =\n“true”, and in the LIABILITY_SUMMARY as TotalSubjectPropertyPayoffsAndPaymentAmounts.\n\n25\n\n15. What data related to Maintenance Expenses needs to be provided to make sure that the “Debt-to-\n\nIncome” (DTI) ratio and “All Other Payments” values are calculated correctly in the DU\nFindings for Second Home and Investment loan transactions?\n\nFor Conventional loans DU includes the OwnedPropertyMaintenanceExpenseAmount (UID 6.0094) from\nthe relevant Owned Property in “All Other Payments”.\n\n16. On an FHA refinance loan, how should we inform DU that the existing loan on the subject\n\nproperty is an FHA loan?\n\nOn a refinance transaction the OWNED_PROPERTY ASSET record for the subject property\n(OwnedPropertySubjectIndicator UID 5.0130 =“true”) will have an associated mortgage loan liability.\nIn that liability the LIABILITY_DETAIL container must have the MortgageType = “FHA”. When the\nMortgageType = “FHA”, DU will know this transaction is a refinance of an existing FHA loan.\n"}
diff --git a/chunks/json/690b8c6bb444b845b58b2865ae3cbd746aae3fa7760da6e46cb930f15a77dd9c.json b/chunks/json/690b8c6bb444b845b58b2865ae3cbd746aae3fa7760da6e46cb930f15a77dd9c.json
new file mode 100644
index 0000000000000000000000000000000000000000..18ac089c764b6696b801bf3784d3fbe954e4f5a6
--- /dev/null
+++ b/chunks/json/690b8c6bb444b845b58b2865ae3cbd746aae3fa7760da6e46cb930f15a77dd9c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8669,"char_start":7603,"chunk_id":"chk_cbda1ab0a4c588b0","chunk_index":3,"chunk_sha256":"690b8c6bb444b845b58b2865ae3cbd746aae3fa7760da6e46cb930f15a77dd9c","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"690b8c6bb444b845b58b2865ae3cbd746aae3fa7760da6e46cb930f15a77dd9c","token_estimate":659,"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 iv of 76\n\nF.  Additions: The EXTENSION Container .............................................................................. 35\nG.  Container-Specific Concepts: Loan State and Loan Role................................................ 35\n1. Definitions..................................................................................................................... 35\n2. Loan States and Loan Delivery................................................................................... 36\nH.  Container-Specific Concepts: Adjustment........................................................................ 42\n1. Index_Rules / Index_Rule............................................................................................. 44\n2. Lifetime_Adjustment_Rule........................................................................................... 44\n3.   CONVERSION_OPTION_PERIOD_ADJUSTMENT RULES /\n"}
diff --git a/chunks/json/690beb0503b17557c7c5f0e4cd9017e15427be7a43520306bb2340af8b791c3a.json b/chunks/json/690beb0503b17557c7c5f0e4cd9017e15427be7a43520306bb2340af8b791c3a.json
new file mode 100644
index 0000000000000000000000000000000000000000..bf19f48869628b1eae0bb6bf4179676decbc7ecb
--- /dev/null
+++ b/chunks/json/690beb0503b17557c7c5f0e4cd9017e15427be7a43520306bb2340af8b791c3a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1603,"char_start":0,"chunk_id":"chk_129a94b44c8b673a","chunk_index":0,"chunk_sha256":"690beb0503b17557c7c5f0e4cd9017e15427be7a43520306bb2340af8b791c3a","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0e016e5dd2b05fe3","text_sha256":"690beb0503b17557c7c5f0e4cd9017e15427be7a43520306bb2340af8b791c3a","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-integration-impact-memo-march-2024.pdf"]},"text":"Desktop Underwriter Validation Service Integration Impact Memo\nMarch update\n\nMarch 6, 2024\n\nOn March 29, 2024, Fannie Mae will update the Desktop Underwriter® (DU®) validation service as described in the DU validation\nservice Release Notes also published on March 6, 2024.\n\nPlease review the following Integration Impact Memo to ensure that your integrated system(s) will be prepared to support the\nrelease.\n\nThis update will introduce new messages and modify existing messages related to the DU validation service that may be returned\nfor new casefiles created on or after March 29, 2024. Integrated systems that parse the DU Codified Findings\n(UNDERWRITING_FINDINGS_XML), DU Underwriting Findings report data file (RES), or DU Message API response file (JSON) may\nrequire updates to support the message changes. A summary of the expected message changes is included below to assist with\nimpact assessment.\n\nNew Messages\n6\n\nModified Messages\n7\n\nRetired Messages\n0\n\nIntegrated systems that receive and display the DU Underwriting Findings report TXT file, HTML, and/or PDF files should not be\nimpacted since these files are for display purposes only and parsing is not supported.\n\nDU Underwriting Findings – New DU Validation Service Messages\n\nDU will implement business rules to trigger several new DU validation messages in the DU Underwriting Findings Report, when\napplicable.\n\nMessage\nStatus\n\nMessage\nIdentifier\n\nMessage Severity\nType Code\n\nMessage Category\nType Code\n\nNew\n\n3101\n\nVERIFICATION\n\nEMPLOYMENT &\nINCOME\n\nMessage\nType\n\nFixed\n\nNew\n\n3103\n\nVERIFICATION\n\nEMPLOYMENT &\nINCOME\n\nList\n\nLender Text\n"}
diff --git a/chunks/json/6914fcc580f0de60b019f36d9d46a8271c3a4ae4e8134bb9e0cb0ab60c0b6c81.json b/chunks/json/6914fcc580f0de60b019f36d9d46a8271c3a4ae4e8134bb9e0cb0ab60c0b6c81.json
new file mode 100644
index 0000000000000000000000000000000000000000..effc276b8385cb9fc8badd42f50ba48c88757cb9
--- /dev/null
+++ b/chunks/json/6914fcc580f0de60b019f36d9d46a8271c3a4ae4e8134bb9e0cb0ab60c0b6c81.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":549935,"char_start":548304,"chunk_id":"chk_cd441c5c07883b85","chunk_index":324,"chunk_sha256":"6914fcc580f0de60b019f36d9d46a8271c3a4ae4e8134bb9e0cb0ab60c0b6c81","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"6914fcc580f0de60b019f36d9d46a8271c3a4ae4e8134bb9e0cb0ab60c0b6c81","token_estimate":408,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This 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\n112\n\nPRIOR SALE\nHISTORY\n\nAnalysis of prior sale or transfer\nhistory of the subject property\nand comparable sales.\n\nGSE Prior Sale\nComment\n\nAnalysis of the prior sale(s) of the subject\nand comparable sales.\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\nleComment\n\n2\n\n3\n\n4\n\nHEADER\n\nBLANK\n\nHEADER\n\nFile #\n\nHEADER\n\nBLANK\n\n4a\n\nHEADER\n\nBLANK\n\nUsed to specify the title of a report.\n\n/VALUATION_RESPONSE/REPORT/@_TitleDescription\n\n/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier\n\nThis is an identifier or number used by\nthe appraiser to identify their reports. It is\ngenerally specific to the appraiser.\n\nSecondary report identifier used by the\nappraiser to identify appraisal reports.\nThis field may carry the FHA number,\ncase number, loan number or some other\nidentifier.\n\nUsed to indicate by name the type of\nidentifier represented by\nAppraisersAdditionalFileIdentifier.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifierName\n\n50\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"}
diff --git a/chunks/json/691fbaeee217d0e54d32d1bdc4bc5a567688124bee710b1a5e07f1763462ccfd.json b/chunks/json/691fbaeee217d0e54d32d1bdc4bc5a567688124bee710b1a5e07f1763462ccfd.json
new file mode 100644
index 0000000000000000000000000000000000000000..9b81b59af0c20e46eeaa84042824291800ef4e6e
--- /dev/null
+++ b/chunks/json/691fbaeee217d0e54d32d1bdc4bc5a567688124bee710b1a5e07f1763462ccfd.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12725,"char_start":11510,"chunk_id":"chk_016cefe9fe51fb9e","chunk_index":7,"chunk_sha256":"691fbaeee217d0e54d32d1bdc4bc5a567688124bee710b1a5e07f1763462ccfd","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_54c90e842324b7de","text_sha256":"691fbaeee217d0e54d32d1bdc4bc5a567688124bee710b1a5e07f1763462ccfd","token_estimate":405,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073_465.pdf"]},"text":"115\n\n60\n62\n64\n66\n68\n70\n72\n74\n76\n78\n80\n82\n84\n86\n87\n91\n93\n95\n97\n99\n101\n103\n105\n107\n109\n111\n113\n$ 116\n\n$ 117\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\nTotal Bdrms. Baths\n88\n\n90\n92 sq. ft.\n\n89\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 + -\n115\n114\nNet Adj. 116a %\nGross Adj. 116b %\n\n60\n62\n64\n66\n68\n70\n72\n74\n76\n78\n80\n82\n84\n86\n87\n91\n93\n95\n97\n99\n101\n103\n105\n107\n109\n111\n113\n$ 116\n\n$ 117\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\n 81\ne-17; 83\n85\nTotal Bdrms. Baths\n88\n\n90\n92 sq. ft.\n\n89\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 + -\n115\n114\nNet Adj. 116a %\nGross Adj. 116b %\n\n+(-) $ Adjustment\n60\n62\n64\n66\n68\n70\n72\n74\n76\n78\n80\n82\n84\n86\n87\n91\n93\n95\n97\n99\n101\n103\n105\n107\n109\n111\n113\n$ 116\n\n$ 117\n\nTotal Bdrms. Baths Total Bdrms. Baths\n33\n\n88\n\n89\n\n90\n92 sq. ft.\n\nIndicated Value by Sales Comparison Approach $ 119\n\nEstimated Monthly Market Rent $ 120\nX Gross Rent Multiplier 121 =\nSummary of Income Approach (including support for market rent and GRM) 123\n\n$ 122\n\nIndicated Value by Income Approach\n\nINCOME APPROACH TO VALUE (not required by Fannie Mae)\n"}
diff --git a/chunks/json/693ad9466d7bda397f0d5127bee1f0e8d63948c771ca57866585fbf933052cd7.json b/chunks/json/693ad9466d7bda397f0d5127bee1f0e8d63948c771ca57866585fbf933052cd7.json
new file mode 100644
index 0000000000000000000000000000000000000000..b14f0cbe492eb1e140def4625210985fdc0cf835
--- /dev/null
+++ b/chunks/json/693ad9466d7bda397f0d5127bee1f0e8d63948c771ca57866585fbf933052cd7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":17255,"char_start":15800,"chunk_id":"chk_765b907f0d6bcece","chunk_index":9,"chunk_sha256":"693ad9466d7bda397f0d5127bee1f0e8d63948c771ca57866585fbf933052cd7","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_754a964b374dcce9","text_sha256":"693ad9466d7bda397f0d5127bee1f0e8d63948c771ca57866585fbf933052cd7","token_estimate":411,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Do_Business_with_Us___FHFA_pazjp.md"]},"text":"The majority of our requirements are competed using GSA schedules and competitive GWACs because these are streamlined instruments including price lists and pre-negotiated terms.\n\nThese instruments help meet our contracting needs because they are more efficient and include a diverse mix of firms including small businesses and other special category firms.\n\nFirms that are interested in doing significant business with FHFA should learn more about GSA schedules and GWACs.​\n\n## For More Information\n\n- [FHFA's Acquisition Policy - June 27, 2011 [PDF]](/sites/default/files/2023-02/FHFA_Policy_503_Acquisition%20Policy_062711_N508.pdf)\n- [SAM.gov Web Page​​​​​](https://sam.gov/content/home)\n\n*Last updated: October 30, 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/693c641c98274e4fbce5dc84a655d15d8e7e364c174c3dc60fede63524f54992.json b/chunks/json/693c641c98274e4fbce5dc84a655d15d8e7e364c174c3dc60fede63524f54992.json
new file mode 100644
index 0000000000000000000000000000000000000000..44621cc6af165ca3c3ef1fcbd543233c4a76d1c3
--- /dev/null
+++ b/chunks/json/693c641c98274e4fbce5dc84a655d15d8e7e364c174c3dc60fede63524f54992.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":252903,"char_start":251291,"chunk_id":"chk_33b3943fd307a39c","chunk_index":141,"chunk_sha256":"693c641c98274e4fbce5dc84a655d15d8e7e364c174c3dc60fede63524f54992","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"693c641c98274e4fbce5dc84a655d15d8e7e364c174c3dc60fede63524f54992","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":"•\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 97 of 166\n\nUAD 3.6 Policy\n\nsubdivision, or PUD in lieu of one settled sale. The appraiser must also use at least three settled comparable sales from\nprojects, subdivisions, or PUDs outside of the subject project, subdivision, or PUD.\n\nIf the subject property is part of a newly built or recently converted condo project, subdivision, or PUD that has 2-20 units and\nthere are no settled or pending sales, the appraiser may use comparable sales from a competing project, subdivision, or PUD. The\nrequirements in the following table apply.\n\n✓\n\nThe appraisal report must…\n\nUse competing projects, subdivisions, or PUDs of a similar size and type.\n\nExplain why the comparable sales were chosen and demonstrate market acceptance.\n\nDescribe how the condo project, subdivision, or PUD chosen compares to the subject property.\n\nNote: If the subject property is not the first unit under contract in the condo project, subdivision, or PUD, the appraiser must\ninclude one under contract sale from the subject's project, subdivision, or PUD as support.\n\nTo meet the requirement that the appraiser utilize one comparable sale from inside the subject project, subdivision, or PUD, the\nappraiser may need to rely solely on the builder of the property they are appraising, as this data may not yet be available through\ntypical data sources (for example, public records or multiple listing services). In this scenario, it is acceptable for the appraiser to\nverify the transaction of the comparable sale by viewing a copy of the settlement statement from the builder’s file.\n"}
diff --git a/chunks/json/69414eeaf82b7f72e5f2386bbb09a5f25c3688df589d936edf6dc04e1a2287b6.json b/chunks/json/69414eeaf82b7f72e5f2386bbb09a5f25c3688df589d936edf6dc04e1a2287b6.json
new file mode 100644
index 0000000000000000000000000000000000000000..1e6e47dd7359e0abe8b1b4bfc66c69f05973c47f
--- /dev/null
+++ b/chunks/json/69414eeaf82b7f72e5f2386bbb09a5f25c3688df589d936edf6dc04e1a2287b6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":24153,"char_start":22365,"chunk_id":"chk_f40d58b8bf91bbb7","chunk_index":19,"chunk_sha256":"69414eeaf82b7f72e5f2386bbb09a5f25c3688df589d936edf6dc04e1a2287b6","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"69414eeaf82b7f72e5f2386bbb09a5f25c3688df589d936edf6dc04e1a2287b6","token_estimate":447,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"• Data Point XPATH\n• Parent Container\n• Data Point Name\n• Data Point Definition\n• Valid Enumerations accepted by DU\n• Data Format\n\nMISMO v3.4 Attribute Information Columns\nThe Attribute columns provide additional information about the behavior of the MISMO containers (i.e.\nrepeating containers for multiple instances, etc.) and are not considered part of the data point mappings.\n\nThe basic building blocks of the XML schema are data points and attributes. An attribute is used to add a\nunique label to a container or data point and its values must be in quotation marks. The DU Spec contains\na list of attributes that is a subset of all available attributes in MISMO. For more information, refer to the\nattribute columns (MISMO v3.4 Attribute Name, MISMO v3.4 Attribute Definition, and MISMO v3.4\nAttribute Usage Description) under the ULAD Mapping document or the DU Spec.\n\nConditionality Information Columns\nThese columns contain the conditionality for the following types of Loan Application Submission files for\nDU:\n\n• DU (Conventional)\n• FHA (Government)\n• VA (Government)\n• Credit\n• EarlyCheck\n\nNote: The conditionality for each of the data points has been listed in separate columns for clarity\nand ease of use for the different products.\n\nThe conditionality statements are considered “pseudo code” and should not be used for production code.\nThe conditionality statements illustrate the expected behavior of conditional data points.\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n10\n\nImplementation Information Columns\nThese columns contain information, in addition to the conditionality for each data point, about the usage\nand expected behavior for the data points and are grouped in two categories: (1) DU, Credit Request, and\nEarlyCheck; (2) FHA, VA.\n"}
diff --git a/chunks/json/6944ead9708026b5a175bdd3eab1c0389dcd2b1ac48f0b2d7d7d7ee496b90b20.json b/chunks/json/6944ead9708026b5a175bdd3eab1c0389dcd2b1ac48f0b2d7d7d7ee496b90b20.json
new file mode 100644
index 0000000000000000000000000000000000000000..4ed2987837686dd9535a9d7279a6a96dd915c36f
--- /dev/null
+++ b/chunks/json/6944ead9708026b5a175bdd3eab1c0389dcd2b1ac48f0b2d7d7d7ee496b90b20.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":63288,"char_start":61521,"chunk_id":"chk_0619ce61ce3166de","chunk_index":33,"chunk_sha256":"6944ead9708026b5a175bdd3eab1c0389dcd2b1ac48f0b2d7d7d7ee496b90b20","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"6944ead9708026b5a175bdd3eab1c0389dcd2b1ac48f0b2d7d7d7ee496b90b20","token_estimate":442,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"A. Multifamily Borrower and Co-\nBorrower Race or National Origin;\nMultifamily Borrower and Co-Borrower\nEthnicity; and Multifamily Borrower and\nCo-Borrower Gender\n\nFHFA considered adding new HMDA\ndata fields to the PUDB that would have\nidentified multifamily borrower and co-\nborrower race or national origin,\nmultifamily borrower and co-borrower\nethnicity, and multifamily borrower and\nco-borrower gender. Both Fannie Mae\nand Freddie Mac commented that they\ndo not collect race, national origin,\nethnicity, or gender for their\nmultifamily loan purchases since the\nvast majority of their multifamily\nmortgage business involves non-natural\npersons (e.g., limited liability\ncompanies, corporations). Freddie Mac\nstated that HMDA does not require these\ndata elements to be reported for loans\ninvolving a borrower or applicant that is\nnot a natural person (citing to 12 CFR\npart 203, App. A at I.D.1), or by\nsecondary market loan purchasers\n(citing to 12 CFR 203.4(b)(2)). In\naddition, both Fannie Mae and Freddie\nMac claimed that collecting such data\nwould involve considerable expense\nand significant additional work and\nresources. Freddie Mac requested that\nFHFA consider these data elements to\nbe optional and reportable as ‘‘not\napplicable’’ in accordance with HMDA\nreporting requirements for purchased\nloans.\n\nSince the Enterprises are not currently\ncollecting these data, and the data point\nis not a HMDA data element for the\ngreat majority of multifamily loans that\nthe Enterprises purchase, as to which\nthe borrowers are non-natural persons,\n\nand collecting the data would impose a\nsubstantial additional burden on the\nEnterprises while they are in\nconservatorship, FHFA is not requiring\nthe Enterprises to collect and report\nthese data for inclusion in the PUDB.\n"}
diff --git a/chunks/json/695703d01b6a35e27595b83b11f94037da06ab914d2c90a375d78b01e9380b9e.json b/chunks/json/695703d01b6a35e27595b83b11f94037da06ab914d2c90a375d78b01e9380b9e.json
new file mode 100644
index 0000000000000000000000000000000000000000..3d6b14efffa2bc08f9ea20242837f0867ad94f42
--- /dev/null
+++ b/chunks/json/695703d01b6a35e27595b83b11f94037da06ab914d2c90a375d78b01e9380b9e.json
@@ -0,0 +1 @@
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+++ b/chunks/json/69668b5e35a05a1a3474518ab905c463c5b0bd57294f0713d3443ea0c777a613.json
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+{"chunk":{"char_end":672256,"char_start":670590,"chunk_id":"chk_01f108de3b3ae7cf","chunk_index":400,"chunk_sha256":"69668b5e35a05a1a3474518ab905c463c5b0bd57294f0713d3443ea0c777a613","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"69668b5e35a05a1a3474518ab905c463c5b0bd57294f0713d3443ea0c777a613","token_estimate":417,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"23.03.48\n\nComparable\nWeight\n\nAlways\n\nAlways required\n\nChoose an\nallowable answer\nfrom table\n(Comparable\nWeight)\n\nComparable Weight is\nonly applicable to\ncomparables\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nComparable Weight – Choose one answer for each Comparable\n\n•\n\n•\n\nMost\n\nLess\n\nNo Weight\n\nThe contribution of the comparable unit was given more or most emphasis compared to other comparable units.\n\nThe contribution of the comparable unit was given less emphasis than comparable units weighted as Most.\n\nThe comparable unit was included but given no weight.\nExamples:\n•\n\nThe comparable unit is similar to the subject unit, but was given no weight due to extenuating circumstances, such as\na model match that was not a typical market lease.\nTo show support for a property characteristic of the subject, when the comparable overall is not considered a reliable\nindicator of the market.\n\n•\n\nAppendix F-1: URAR Reference Guide\n\nPage 300 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n23 Rental Information\n\nRental Analysis Commentary\n\nThe Rental Analysis Commentary subsection always displays.\n\nRental Information – Rental Analysis Commentary\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n23.04.01 Rental Analysis\n\nAlways required\n\nFree-form\n\nCommentary\n\nDefinition / Additional Guidance\n\nReport additional details and analysis to support conclusions, including how\nComparable Weight was determined.\n\nRental Information Exhibits\n\nAll photos or images related to the Rental Information section are displayed in the Rental Information Exhibits subsection. If there are no photos or\nimages, this subsection does not display.\n"}
diff --git a/chunks/json/696a11d45b2624d8fdf3217dcfbccdff2e7f49465c91a544a6adb995d30f181e.json b/chunks/json/696a11d45b2624d8fdf3217dcfbccdff2e7f49465c91a544a6adb995d30f181e.json
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+{"chunk":{"char_end":1744,"char_start":1708,"chunk_id":"chk_96ce3b72b48be5c4","chunk_index":1,"chunk_sha256":"696a11d45b2624d8fdf3217dcfbccdff2e7f49465c91a544a6adb995d30f181e","date_utc":"2026-01-27T18:02:36+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8defd0594627ac08","text_sha256":"696a11d45b2624d8fdf3217dcfbccdff2e7f49465c91a544a6adb995d30f181e","token_estimate":12,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-integration-impact-memo-jan-11-2025.pdf","below_target_min_tokens"]},"text":"© 2024 Fannie Mae\n\n11.20.24 1 of 1\n"}
diff --git a/chunks/json/6984c6a96b5008c1dae51914ac2c5667b74b063b7cb85af78e1f8265ed2e923c.json b/chunks/json/6984c6a96b5008c1dae51914ac2c5667b74b063b7cb85af78e1f8265ed2e923c.json
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+{"chunk":{"char_end":4922,"char_start":3208,"chunk_id":"chk_95c1d47bc58fe494","chunk_index":2,"chunk_sha256":"6984c6a96b5008c1dae51914ac2c5667b74b063b7cb85af78e1f8265ed2e923c","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_54c90e842324b7de","text_sha256":"6984c6a96b5008c1dae51914ac2c5667b74b063b7cb85af78e1f8265ed2e923c","token_estimate":429,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073_465.pdf"]},"text":"Off-site Improvements—Type\nStreet 114\nAlley 117\n\nPublic Other (describe)\n 110\n109\n 113\n112\n\nWater\nSanitary Sewer\n\nFEMA Map Date 124\n\nFEMA Map # 123\n\n118\n\n121\n\n108\n\n128\n\n125\n\n129\n\nPublic Private\n115\n\n116\n\n119\n\nData source(s) for project information 131\nProject Description Detached Row or Townhouse Garden Mid-Rise High-Rise Other (describe) 138\n132\n\n137\n\n136\n\n135\n\n134\n\n133\nGeneral Description\n\nGeneral Description\n\nSubject Phase\n\nIf Project Completed\n\nIf Project Incomplete\n\n# of Stories 139\n# of Elevators 140\n Existing Proposed\n142\n141\n Under Construction\n143\nYear Built e-8; 144\nEffective Age 145\nProject Primary Occupancy\nIs the developer/builder in control of the Homeowners’ Association (HOA)? Yes No\nManagement Group – Homeowners’ Association Developer Management Agent – Provide name of management company. 178\n177\n\n158\n# of Phases\n159\n# of Units\n160\n# of Units for Sale\n161\n# of Units Sold\n162\n# of Units Rented\n# of Owner Occupied Units 163\n\n152\n# of Units\n153\n# of Units Completed\n154\n# of Units For Sale\n155\n# of Units Sold\n156\n# of Units Rented\n# of Owner Occupied Units 157\n\nExterior Walls 146\nRoof Surface 147\nTotal # Parking 148\nRatio (spaces/units) 149\nType 150\nGuest Parking 151\n Principle Residence\n170\n\nSecond Home or Recreational Tenant\n171\n\n172\n\n174\n\n175\n\n176\n\n173\n\n164\n# of Planned Phases\n165\n# o f Planned Units\n166\n# of Units for Sale\n167\n# of Units Sold\n168\n# of Units Rented\n# of Owner Occupied Units 169\n\nS\nU\nB\nJ\nE\nC\nT\n\nC\nO\nN\nT\nR\nA\nC\nT\n\nN\nE\nI\nG\nH\nB\nO\nR\nH\nO\nO\nD\n\nP\nR\nO\nJ\nE\nC\nT\n\nS\nI\nT\nE\n\nP\nR\nO\nJ\nE\nC\nT\n\nI\nN\nF\nO\nR\nM\nA\nT\nI\nO\nN\n\nDoes any single entity (the same individual, investor group, corporation, etc.) own more than 10% of the total units in the project? Yes No If Yes, describe 181\n"}
diff --git a/chunks/json/69885e89e91daf869c535ce0c1590420265f9fe31d62098b90adc4603bbfff77.json b/chunks/json/69885e89e91daf869c535ce0c1590420265f9fe31d62098b90adc4603bbfff77.json
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+++ b/chunks/json/69885e89e91daf869c535ce0c1590420265f9fe31d62098b90adc4603bbfff77.json
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+{"chunk":{"char_end":5762,"char_start":5266,"chunk_id":"chk_111cef23e6bd0b06","chunk_index":3,"chunk_sha256":"69885e89e91daf869c535ce0c1590420265f9fe31d62098b90adc4603bbfff77","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_703da149b1018a8c","text_sha256":"69885e89e91daf869c535ce0c1590420265f9fe31d62098b90adc4603bbfff77","token_estimate":124,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-release-nov-15-2025.pdf","below_target_min_tokens"]},"text":"Miscellaneous Message Text Changes\n\nTo continue to provide clarity and consistency with the Selling Guide, various messages will be updated.\n\nFor More Information\n\nFor more information about these Release Notes, lenders may contact their Single-Family Market Engagement Team, and\nmortgage brokers should contact their DO sponsoring wholesale lender. For technology considerations, an Integration Impact\nMemo will be posted on the Technology Integration page.\n\n© 2025 Fannie Mae.\n\n11.5.25\n\n2 of 2\n"}
diff --git a/chunks/json/69a1e4fdf5e7f43b7002bf5ab88429306a3dd5c0a16ecda9e74c080fa82ffcd8.json b/chunks/json/69a1e4fdf5e7f43b7002bf5ab88429306a3dd5c0a16ecda9e74c080fa82ffcd8.json
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+{"chunk":{"char_end":610782,"char_start":609071,"chunk_id":"chk_e9064b4c9969b626","chunk_index":363,"chunk_sha256":"69a1e4fdf5e7f43b7002bf5ab88429306a3dd5c0a16ecda9e74c080fa82ffcd8","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"69a1e4fdf5e7f43b7002bf5ab88429306a3dd5c0a16ecda9e74c080fa82ffcd8","token_estimate":428,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Vehicle Storage\n•\n\nDriveway Surface\nMaterial 13.003\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\n22.13.01\n22.13.05\n\nType | Spaces\n| Detail\n\nAlways\n\nIf relevant when\nVehicle Storage Type is\nCarport or Garage\n\nNumber of square\nfeet\n\nVehicle Storage\n•\n\nVehicle Storage\nArea 13.003 when\nVehicle Storage\nType is Carport or\nGarage\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\n10 or More Parking Spaces\n•\n\nSelect Yes if the driveway or shared driveway has 10 or more\nparking spaces. In this case, “10 or More” displays.\nSelect No if the driveway or shared driveway has less than 10\nparking spaces, and provide the number of parking spaces.\n\n•\n\nDedicated Parking Spaces: The number of parking spaces dedicated to\nthe property within the indicated Vehicle Storage Type. A parking space\nis defined as the area that accommodates a vehicle.\n\nNote: Half spaces are accounted for in the overall size reported as\nVehicle Storage Area (22.13.01, 22.13.05), not as a parking space.\n\nParking Space Assignment Type: The ownership rights to the parking\nspace(s).\n•\n•\n•\n\nAssigned\nOwned\nUnassigned\n\nVehicle Storage Attachment Type: The way that the indicated vehicle\nstorage is attached to the dwelling.\n•\n•\n•\n\nAttached\nBuilt-in\nDetached\n\nDriveway Surface Material: The predominant driveway surface material.\n•\n•\n•\n•\n•\n•\n•\n\nAsphalt\nBrick\nConcrete\nCobblestone\nDirt\nGravel\nOther (Describe)\n\nVehicle Storage Area\nProvides support for the Vehicle Storage adjustment. For the\ncomparables, Vehicle Storage Area may be included if relevant or to\nprovide additional context.\n"}
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diff --git a/chunks/json/69b8fdc6c0207c72cb4123c10a03aaa81d541731dd6f8ac82074a60d9ce02192.json b/chunks/json/69b8fdc6c0207c72cb4123c10a03aaa81d541731dd6f8ac82074a60d9ce02192.json
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+{"chunk":{"char_end":43384,"char_start":41706,"chunk_id":"chk_7800523ec22b04b2","chunk_index":23,"chunk_sha256":"69b8fdc6c0207c72cb4123c10a03aaa81d541731dd6f8ac82074a60d9ce02192","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"69b8fdc6c0207c72cb4123c10a03aaa81d541731dd6f8ac82074a60d9ce02192","token_estimate":420,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-implementation-guide.pdf"]},"text":"The day data type provides the capability to capture the\nday of a month. The DD (day) value must include three\ndashes prior to the two digit number. For instance, the\nfifteenth day of the month must be sent as: ---15.\n\nThe enumerated data type represents a list of predefined\nvalues, and applies to term names ending in Type,\nDescription, Code, and Identifier (in some cases). For a\ncomplete list of supported enumerated values, refer to\nAppendix A: Fannie Mae XML Data Requirements.\nThe numeric data type represents whole numbers only.\nThe numeric value should not contain commas (,) or\ndecimals (.).\nThe percent data type represents arbitrary precision\ndecimal numbers. For each decimal field, the total and\nfraction digits are specified. For instance, (3.4) states that\nthe total digits can be no more than 3 and the fraction\ndigits can be no more than 4. For example, the following\nvalues would be acceptable: (95.65) (1.55) (.3601) (999).\nRefer to the implementation notes provided in Appendix A:\nFannie Mae XML Data Requirements.\n\n© 2018 Fannie Mae. Trademarks of Fannie Mae.\n\nJune 2018 | 18 of 22\n\nData Format\n\nFormat\n\nComments\n\nString\n\nYear\n\nYYYY\n\nThe string data type represents character strings in a loan\ndelivery XML file. Each string field has a maximum\ncharacter limit specified. There are several data points\n(e.g., PostalCode, ContactPoint TelephoneValue, and\nTaxpayerIdentifierValue) that should not contain (-)\ndashes in the data value. Refer to Appendix A: Fannie\nMae XML Data Requirements for a complete list.\n\nThe year data type provides the capability to capture the\nfour digit year only. This data type must use the YYYY\n(year) format. For example: 2010.\n"}
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+{"chunk":{"char_end":10785,"char_start":8959,"chunk_id":"chk_378f88cb4ab2b8f5","chunk_index":5,"chunk_sha256":"69c032c1c28659bf51c5aa0238ea46863bb970693d5a760a6b896d385d9a0953","date_utc":"2026-01-27T18:07:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_058d4980d2495702","text_sha256":"69c032c1c28659bf51c5aa0238ea46863bb970693d5a760a6b896d385d9a0953","token_estimate":457,"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":"13. 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\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\n15. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this\nassignment.\n\n15. I have performed services regarding the subject property within the three years preceding the agreement to perform this assignment.\n\nDescription of Prior Services:\n\nAdditional Appraiser Certifications\n\nAdditional Appraiser Certifications cannot be contrary to the original Appraiser Certifications.\n1.\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"}
diff --git a/chunks/json/69c233f534853669723de4a534206d9ffe36ba3a194d873d5a45495a0c711c60.json b/chunks/json/69c233f534853669723de4a534206d9ffe36ba3a194d873d5a45495a0c711c60.json
new file mode 100644
index 0000000000000000000000000000000000000000..529eb0dba769d72b4ab7cf846e17d22d5c278c9c
--- /dev/null
+++ b/chunks/json/69c233f534853669723de4a534206d9ffe36ba3a194d873d5a45495a0c711c60.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":16388,"char_start":14676,"chunk_id":"chk_ec94ce601eb7c7d8","chunk_index":24,"chunk_sha256":"69c233f534853669723de4a534206d9ffe36ba3a194d873d5a45495a0c711c60","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"69c233f534853669723de4a534206d9ffe36ba3a194d873d5a45495a0c711c60","token_estimate":428,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Page 6\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-sponsored\nenterprises or GSEs) jointly developed the first UAD in 2010 using the Mortgage Industry Standards Maintenance Organization (MISMO®) Reference Model\n2.6, 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 appraisal\nprocess 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 assignment\n\ntypes.\n\nThe updated UAD will help the appraiser more accurately report the characteristics of the subject property and comparables, be more scalable and flexible\nthan 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/69c41349f5be2721858f0c0537671faea6877d089254a577be3ef543635915ed.json b/chunks/json/69c41349f5be2721858f0c0537671faea6877d089254a577be3ef543635915ed.json
new file mode 100644
index 0000000000000000000000000000000000000000..94ed74679e9b5ee73c218b8ea43427f0b060c969
--- /dev/null
+++ b/chunks/json/69c41349f5be2721858f0c0537671faea6877d089254a577be3ef543635915ed.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":162569,"char_start":160819,"chunk_id":"chk_cac3c934edca4b3f","chunk_index":91,"chunk_sha256":"69c41349f5be2721858f0c0537671faea6877d089254a577be3ef543635915ed","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"69c41349f5be2721858f0c0537671faea6877d089254a577be3ef543635915ed","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":"If there are minor conditions or deferred maintenance items to be remedied or completed after closing, the\nlender may escrow for these items at its own discretion and sell the loan to Fannie Mae prior to the release of\nthe escrow if the lender can ensure these items do not affect the soundness or structural integrity of the\nproperty.\n\nLenders must ensure the escrow account is a custodial account that satisfies Fannie Mae’s criteria for custodial\naccounts and depositories as outlined in Servicing Guide, A4-1-02, Establishing Custodial Bank Accounts.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 68 of 166\n\nUAD 3.6 Policy\n\n✓\n\nRequirements for Existing Construction\nWhen There are Conditions that Affect the Soundness or Structural Integrity of the Property and\nIncomplete Items\n\nWhen an appraisal is required and there are:\n\n• defects, damages, or deficiencies affecting the soundness or structural integrity of the dwelling\n\nincluding, but not limited to, foundation settlement, water seepage, infestation, active roof leaks, worn\nroof shingles, inadequate electrical service, or plumbing fixtures, etc., or\nincomplete items including, but not limited to, remodeling or renovation(s) (e.g., unfinished kitchen,\nbathroom(s) or addition(s)),\n\n•\n\nthe appraisal must be \"subject to\" completion of the specific repairs or incomplete items. Incomplete items or\nphysical deficiencies affecting soundness or structural integrity may also be identified through the property data\ncollection process. See SB4-1.4-11, Value Acceptance + Property Data for more information.\n\nIn all cases, the lender must verify completion before the loan is sold to Fannie Mae. See Completion Report and\nCompletion Alternatives above for the specific requirements.\n"}
diff --git a/chunks/json/69ca4465b7da7fad0afecb3cedbb5253a27898bc081d953db96f157c57e76935.json b/chunks/json/69ca4465b7da7fad0afecb3cedbb5253a27898bc081d953db96f157c57e76935.json
new file mode 100644
index 0000000000000000000000000000000000000000..684c0e92e35091233204d210b53e18b1c1693b15
--- /dev/null
+++ b/chunks/json/69ca4465b7da7fad0afecb3cedbb5253a27898bc081d953db96f157c57e76935.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":912979,"char_start":911344,"chunk_id":"chk_0b44fe73d70c8e72","chunk_index":542,"chunk_sha256":"69ca4465b7da7fad0afecb3cedbb5253a27898bc081d953db96f157c57e76935","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"69ca4465b7da7fad0afecb3cedbb5253a27898bc081d953db96f157c57e76935","token_estimate":409,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"11\n\nEnumerated\n\nAllowable Values PDF Allowable Values\nActive Active\nExpired e\nWithdrawn w\nContract c\nSettledSale s\n\n395\n\n3\n\ne-30\n\nSALES\nCOMPARISON\nAPPROACH\n\nDate of Sale/Time\n\nGSE Short Date\nDescription\n\nThe MMYY of the associated comparable\nstatus.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DATE_EXTENSION/COMPARISON_DATE_EXTENSION_SECTION[@Ext\nensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DATE_EXTENSION_SECTION_DATA/OFFERI\nNG_DISPOSITION/@GSEShortDateDescription\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/@GSEContractDateUnknownIndicator\n\nSALES\nCOMPARISON\nAPPROACH\n\nDate of Sale/Time\n\nGSE Contract Date\nUnknown Indicator\n\nIndicates if the contract date is\nunavailable for a comparable settled sale.\n\n396\n\n397\n\n3\n\n3\n\ne-31\n\n64\n\nSALES\nCOMPARISON\nAPPROACH\n\nDate of Sale/Time 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='DateOfSale']/@_Amount\n\n398\n\n3\n\ne-14\n\nSALES\nCOMPARISON\nAPPROACH\n\nLocation\n\n(Overall Rating)\n\nGSE Overall\nLocation Rating\nType\n\nThe overall rating of the location\nassociated with the property.\n"}
diff --git a/chunks/json/69cbbc190a26f8a551c9bde3ca3952483f7ce62d961dd7befb9861147f91906a.json b/chunks/json/69cbbc190a26f8a551c9bde3ca3952483f7ce62d961dd7befb9861147f91906a.json
new file mode 100644
index 0000000000000000000000000000000000000000..0286fd7bcb5a173e20382afa2dd1f07f2bbc509e
--- /dev/null
+++ b/chunks/json/69cbbc190a26f8a551c9bde3ca3952483f7ce62d961dd7befb9861147f91906a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":335671,"char_start":334071,"chunk_id":"chk_a6e513406bb2996d","chunk_index":183,"chunk_sha256":"69cbbc190a26f8a551c9bde3ca3952483f7ce62d961dd7befb9861147f91906a","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"69cbbc190a26f8a551c9bde3ca3952483f7ce62d961dd7befb9861147f91906a","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"10.7.2 Final\n\n10.7 Seller Credits\n\nIntegratedDisclosure\nCashToCloseItemEsti\nmatedAmount\n\n0.00\n\nROF as “$0”\n\nIntegratedDisclosure\nCashToCloseItemFina\nlAmount\n\nIntegratedDisclosure\nCashToCloseItemTyp\ne\n\n2500.00\n\nROF as “-$2,500.00”\n\nSellerCredits\n\nROF as “Seller\nCredits”\n\nEighth Instance of CASH_TO_CLOSE_ITEM\n\n10.8.3 Did this change?\n\n…/CASH_TO_CLOSE_I\nTEM\n\nIntegratedDisclosure\nCashToCloseItemAm\nountChangedIndicato\nr\n\ntrue\n\nROF as “YES”\n\n10.8.4 If yes…\n\n10.8.1 Loan Estimate\n\n10.8.2 Final\n\n10.8 Adjustments and\n\nOther Credits\n\nIntegratedDisclosure\nCashToCloseItemCha\nngeDescription\n\nSee details in\nSections K & L\n\nIntegratedDisclosure\nCashToCloseItemEsti\nmatedAmount\n\n0.00\n\nROF as “$0”\n\nIntegratedDisclosure\nCashToCloseItemFina\nlAmount\n\nIntegratedDisclosure\nCashToCloseItemTyp\ne\n\n1035.04\n\nROF as “-$1,035.04”\n\nAdjustmentsAndOthe\nrCredits\n\nROF as “Adjustments\nand Other Credits”\n\nNinth Instance of CASH TO CLOSE ITEM\n\n10.9.1 Cash to Close Loan\nEstimate\n\n…/CASH_TO_CLOSE_I\nTEM\n\n10.9 Cash to Close\n\nIntegratedDisclosure\nCashToCloseItemEsti\nmatedAmount\n\nIntegratedDisclosure\nCashToCloseItemTyp\ne\n\n16054.00\n\nROF as “$16,054.00”\n\nCashToCloseTotal\n\nROF as “Cash to\nClose”\n\nTenth Instance of CASH TO CLOSE ITEM\n\n10.9.2 Final\n\n…/CASH_TO_CLOSE_I\nTEM\n\n10.9 Cash to Close Final\n\nIntegratedDisclosure\nCashToCloseItemFina\nlAmount\n\nIntegratedDisclosure\nCashToCloseItemTyp\ne\n\n14147.26\n\nROF as “$14,147.26”\n\nCashToCloseTotal\n\nROF as “Cash to\nClose”\n\nAppendix E: UCD Implementation Guide\n\nPage 154 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n10.A Alternative Calculating Cash To Close Table\n\n1. MAPPI NG GUI DANCE\n"}
diff --git a/chunks/json/69d2570f52ab0bf727c9810b2dcadbffd4d4f7a34722ed3c50e772cf64d35fba.json b/chunks/json/69d2570f52ab0bf727c9810b2dcadbffd4d4f7a34722ed3c50e772cf64d35fba.json
new file mode 100644
index 0000000000000000000000000000000000000000..86367362f34322c19278eb3015bab8c93949d2ba
--- /dev/null
+++ b/chunks/json/69d2570f52ab0bf727c9810b2dcadbffd4d4f7a34722ed3c50e772cf64d35fba.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9495,"char_start":7113,"chunk_id":"chk_ebe95cb5a6f4871a","chunk_index":4,"chunk_sha256":"69d2570f52ab0bf727c9810b2dcadbffd4d4f7a34722ed3c50e772cf64d35fba","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_1f743f9985a9d805","text_sha256":"69d2570f52ab0bf727c9810b2dcadbffd4d4f7a34722ed3c50e772cf64d35fba","token_estimate":719,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Enterprise_Multifamily_Public_Use_Database_Dashboa_imboig.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 - Enterprise Multifamily Public Use Database Dashboard\n\n# Enterprise Multifamily\n\nPublic Use Database Dashboard\n\n*, *::before, *::after { box-sizing: border-box !important; scroll-behavior: smooth !important; } *::before, *::after { font-family: \"Segoe UI\", \"Arial\", \"Helvetica\", \"Tahoma\", \"Verdana\", \"sans-serif\" !important; } #sidebarMenu { position: relative; top: 0; height: calc(100vh + 650px); overflow-y: auto; /* Scrollable contents if viewport is shorter than content. */ box-shadow: 0 2px 5px 0 rgb(0 0 0 / 5%), 0 2px 10px 0 rgb(0 0 0 / 5%); } #dashboard, #dateTableView { box-shadow: 0 10px 20px 0 rgba(0, 0, 0, .05); } .custom-tooltip { --bs-tooltip-bg: var(--bs-primary); --bs-tooltip-opacity: 100%; } .col-lg-2, .col-md-2 { flex: 0 0 auto; width: 20%; } .col-lg-10, .col-md-10 { flex: 0 0 auto; width: 80%; } #content1::after { content: \"\\a\"; white-space: pre; } #dtTable_filter label input[type=\"search\"] { border: 1px solid #ced4da; border-radius: .375rem; float: none; } Documentation - Please see [PUDB documentation](https://www.fhfa.gov/data/public-use-database-fannie-mae-and-freddie-mac)\n"}
diff --git a/chunks/json/69d769ff4690ff51e52ee5d12213ca9629519d35491709ba1484e3a1c4478236.json b/chunks/json/69d769ff4690ff51e52ee5d12213ca9629519d35491709ba1484e3a1c4478236.json
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--- /dev/null
+++ b/chunks/json/69d769ff4690ff51e52ee5d12213ca9629519d35491709ba1484e3a1c4478236.json
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+{"chunk":{"char_end":17343,"char_start":15682,"chunk_id":"chk_90fef44b5ba923c8","chunk_index":9,"chunk_sha256":"69d769ff4690ff51e52ee5d12213ca9629519d35491709ba1484e3a1c4478236","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_aae08e64227622e0","text_sha256":"69d769ff4690ff51e52ee5d12213ca9629519d35491709ba1484e3a1c4478236","token_estimate":416,"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":"445000\n\ntrue\n\nfalse\n\nfalse\n\nMineral rights not included, typical for the area.\n\nfalse\n\ntrue\n\nfalse\n\nfalse\n\nRefinance\n\nAppraiserSupervisor\n\nI have not performed any service regarding the subject property within the three years preceding the agreement to perform this assignment.\n\nPropertySpecialTaxAssessments\n\nSpecial assessment is for grading the road surface, condition and utility comparable to other competing properties resulting in no impact to value.\n\nPropertyNonResidentialUses\n\nBoard fencing around entire property to the barn.\n\nNeutral\n\nZoningCompliance\n\nNeutral\n\nMarket\n\nThis rural market has lake front dwellings that vary in type of construction. There are distressed properties currently listed. These properties represent the low limit of the area price range.\n\nSite\n\nThe subject's site consists of two parcels, one being smaller, non-buildable site with water frontage across the street from remaining site where the improvements are.\n\nAssignment\n\nJennifer James and Jennifer Jones are the same person with a last name change.\n\nSiteViews\n\nWooded views are typical in the market. High voltage power lines easement at edge of property can be viewed during winter months.\n\nSiteInfluences\n\nThe water frontage has a positive impact on value and offsets the negative factors from the power lines. The landfill impacts a broader area and affects many homes.\n\nHighestAndBestUse\n\nThe property is outside the city limits and all types of single family development is allowed.\n\nComparablesPriorSalesAndTransferHistory\n\nComparable 2 was sold via a short sale, the manufactured home has been completely remodeled and was listed and resold on the open market.\n"}
diff --git a/chunks/json/69f268131d3377e65972adf4c10e27487189cbc1ca91f2c916ec187fb1d3491d.json b/chunks/json/69f268131d3377e65972adf4c10e27487189cbc1ca91f2c916ec187fb1d3491d.json
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index 0000000000000000000000000000000000000000..25bc66ba1fb971c28e59af435fdbf575d84f67d7
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+++ b/chunks/json/69f268131d3377e65972adf4c10e27487189cbc1ca91f2c916ec187fb1d3491d.json
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+{"chunk":{"char_end":981862,"char_start":980144,"chunk_id":"chk_76138099e9fbba53","chunk_index":585,"chunk_sha256":"69f268131d3377e65972adf4c10e27487189cbc1ca91f2c916ec187fb1d3491d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"69f268131d3377e65972adf4c10e27487189cbc1ca91f2c916ec187fb1d3491d","token_estimate":430,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Should conform to USPS (Pub 28). The following address elements should be\nincluded in this field:\n• Street number\n• Street name (including applicable pre-directional indicator, suffix, and/or post-\ndirectional indicator)\n• Address unit designator and number (if applicable)\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\nT\n\nT\n\nT\n\nT\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 166 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\n494\n\n495\n\n496\n\n497\n\n498\n\n499\n\n500\n\n501\n\n502\n\n503\n\n504\n\n505\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\n8a\n\n8b\n\n8c\n\n9\n\n10\n\n11\n\n12\n\n13\n\n14\n\n15\n\n17\n\n18\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nCompany Address\n(Line 2)\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nCompany Address\n(Line 2)\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nCompany Address\n(Line 2)\n\nAPPRAISER\nCERTIFICATION\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nTelephone Number\nAppraiser\nEmail Address\n\nAppraiser City\n\nThe city in which the address of the\nappraiser is located.\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/@_City\n\nAppraiser State\n\nThe state in which the address of the\nappraiser is located.\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/@_State\n\nAppraiser Postal\nCode\n\nThe postal code (zip code in US) of the\naddress of the appraiser. Zip code may be\neither 5 or 9 digits.\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/@_PostalCode\n\nContact Point Value\n\nContact Point Value\n\nThis is the actual value (Phone, Fax, E-\nMail, Other) of the Contact Point Type.\nThis is the actual value (Phone, Fax, E-\nMail, Other) of the Contact Point Type.\n"}
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diff --git a/chunks/json/69f563348e00bdec7b0b2c8b91394fb97d40808f1ab58a0aec47bfad23d9a304.json b/chunks/json/69f563348e00bdec7b0b2c8b91394fb97d40808f1ab58a0aec47bfad23d9a304.json
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+{"chunk":{"char_end":15499,"char_start":13807,"chunk_id":"chk_cd72ff10f2a52767","chunk_index":8,"chunk_sha256":"69f563348e00bdec7b0b2c8b91394fb97d40808f1ab58a0aec47bfad23d9a304","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7c50500f402e3357","text_sha256":"69f563348e00bdec7b0b2c8b91394fb97d40808f1ab58a0aec47bfad23d9a304","token_estimate":496,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Testimonies___FHFA_ge51l.md"]},"text":"​Chairman Brower and members of the Committee, thank you for the opportunity to appear before you today to address Senate Bill 306, which makes certain revisions to the Uniform Common Interest Ownership Act as adopted in Nevada. SB 306 makes important changes to the law regarding the appropriate...\n - Testimony\n\nDecember 10, 2013\n\n## [Housing Finance Reform: Fundamentals of Transferring Credit Risk in a Future Housing Finance System](/news/testimony/housing-finance-reform-fundamentals-of-transferring-credit-risk-in-a-future-housing-finance-system)\n\nStatement of Wanda DeLeo, Deputy Director, Division of Conservatorship Federal Housing Finance Agency Before the U.S. Senate Committee on Banking, Housing, and Urban Affairs December 10, 2013 Chairman Johnson, Ranking Member Crapo, and members of the Committee, my name is Wanda DeLeo and I am the...\n - [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"}
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diff --git a/chunks/json/69fcdebb6d13cdf648ac4d15306e276b542e2f9a5b04698b2ca4a7c70a19b6b0.json b/chunks/json/69fcdebb6d13cdf648ac4d15306e276b542e2f9a5b04698b2ca4a7c70a19b6b0.json
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+{"chunk":{"char_end":782224,"char_start":780627,"chunk_id":"chk_5b4ad097533ea388","chunk_index":464,"chunk_sha256":"69fcdebb6d13cdf648ac4d15306e276b542e2f9a5b04698b2ca4a7c70a19b6b0","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"69fcdebb6d13cdf648ac4d15306e276b542e2f9a5b04698b2ca4a7c70a19b6b0","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"PROJECT\nINFORMATION\n\nIf Project Incomplete\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='Incomplete']/@OwnerOccupiedUnitCount\n\nPROJECT\nINFORMATION\n\nProject Primary Occupancy\nPrinciple Residence\n\nProject Primary\nOccupancy Type\n\nSpecifies the primary type of occupancy of\nthe Project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_PrimaryOccupancyType\n='PrincipleResidence']\n\nPROJECT\nINFORMATION\n\nProject Primary Occupancy\nSecond Home or Recreational\n\nProject Primary\nOccupancy Type\n\nSpecifies the primary type of occupancy of\nthe Project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_PrimaryOccupancyType\n='SecondHome']\n\nPROJECT\nINFORMATION\n\nProject Primary Occupancy\nTenant\n\nProject Primary\nOccupancy Type\n\nSpecifies the primary type of occupancy of\nthe Project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_PrimaryOccupancyType\n='Tenant']\n\nPROJECT\nINFORMATION\n\nIs the developer/builder in control of the\nHomeowners' Association (HOA)?\nYes\n\nPROJECT\nINFORMATION\n\nIs the developer/builder in control of the\nHomeowners' Association (HOA)?\nNo\n\nProject Developer\nControls Project\nManagement\nIndicator\n\nProject Developer\nControls Project\nManagement\nIndicator\n\nIndicates that developer is in control of\nthe project's management (e.g., HOA).\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DeveloperControlsProje\nctManagementIndicator='Y']\n\nIndicates that developer is in control of\nthe project's management (e.g., HOA).\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DeveloperControlsProje\nctManagementIndicator='N']\n"}
diff --git a/chunks/json/6a1013a7f23a023ce5a65338fac1351f40f8d0ce354d6cbd16513130d4557d88.json b/chunks/json/6a1013a7f23a023ce5a65338fac1351f40f8d0ce354d6cbd16513130d4557d88.json
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+++ b/chunks/json/6a1013a7f23a023ce5a65338fac1351f40f8d0ce354d6cbd16513130d4557d88.json
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+{"chunk":{"char_end":30033,"char_start":28342,"chunk_id":"chk_f0c8e5fcf810f80c","chunk_index":17,"chunk_sha256":"6a1013a7f23a023ce5a65338fac1351f40f8d0ce354d6cbd16513130d4557d88","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"6a1013a7f23a023ce5a65338fac1351f40f8d0ce354d6cbd16513130d4557d88","token_estimate":422,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"© 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\nNo Findings Returned\n\nIf no findings or messages are applicable a “No Findings Returned.” message will be displayed under the\nspecific Finding Category section.\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\nSubmission Findings Result Sections\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\nUAD 3.6 SSR JSON\n\nUCDP users have the option to retrieve the SSR in a new JSON file format. This format is machine-readable, making it ideal\nfor data exchange and integration. It supports seamless interaction with modern RESTful APIs and is available via UCDP\nDirect Integration.\n\nIn addition to all the data elements found in the SSR PDF, the JSON format includes fields that support more technical use\ncases.\n\nData Fields Specific to the JSON format SSR:\n\nField Name\nadditionalAttributeKeyValues\n\nattachmentType\n\nThis is TBD (for future expansion).\n\nDefinition / Description\n\nA value that specifies the type of physical attachment, if any, between the\ndwelling and adjacent dwellings.\n"}
diff --git a/chunks/json/6a12decfb930b61845be68b44af2762790bf409a38ca97b86548fc875a88a53d.json b/chunks/json/6a12decfb930b61845be68b44af2762790bf409a38ca97b86548fc875a88a53d.json
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--- /dev/null
+++ b/chunks/json/6a12decfb930b61845be68b44af2762790bf409a38ca97b86548fc875a88a53d.json
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+{"chunk":{"char_end":533728,"char_start":531997,"chunk_id":"chk_a5be4a62ea72ca1e","chunk_index":303,"chunk_sha256":"6a12decfb930b61845be68b44af2762790bf409a38ca97b86548fc875a88a53d","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"6a12decfb930b61845be68b44af2762790bf409a38ca97b86548fc875a88a53d","token_estimate":433,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Appendix E: UCD Implementation Guide\n\nPage 249 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nV. Consolidated Mapping Guidance\n\nTopic\n\nGuidance\n\nTable 160. Consolidated Mapping Guidance\n\nSYMBOLS ($, %)\n\nTERMS / TIME PERIODS\n\n@ XL INK\n\nXPATH\n\n@SequenceNumber is also used to help identify the PARTY containers supporting Section 23.0\nContact Information and pair together the organization and personal contact data.\n\nMISMO data points ending in Amount convey currency values, and in the case of the Closing\nDisclosure, US currency expressed in dollars and cents. Note that while dollar amounts must\nbe presented on the form with a dollar sign ($) and commas separating every third digit, only\nnumbers and decimal points are included in the XML file.\nSimilarly, any numeric amount that needs to be expressed with a comma on the form will be\nconveyed in the XML file with numbers only.\nMISMO data points ending in RatePercent carry the actual percentage value with 4 trailing\ndigits to the right of the decimal; the percent sign is not provided in the XML.\n\nTime periods in MISMO usually are represented using two data points: The first data point\n(ending in PeriodType) sets the unit of measure, and the second (ending in PeriodCount)\ncaptures the number of those units. The data sets comprising UMDP have standardized on\nmonths as the unit of time for expressing time periods; however, the provided data for time\nperiods on the Closing Disclosure are to be presented in years. Implementers will need to\nprovide the specified unit of measure (months) for UCD, and convert it to the appropriate data\nformat (years) for presentation on the Closing Disclosure. For examples: Loan Term, interest\nrate or P&I payment adjustment frequency.\n"}
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+{"chunk":{"char_end":1725,"char_start":0,"chunk_id":"chk_e4170900f39a0174","chunk_index":0,"chunk_sha256":"6a1f0aee01a85a7f3cf1a3d662578d91d26e88211197ea9174d9754a4c0cfdde","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b6467a46396e149","text_sha256":"6a1f0aee01a85a7f3cf1a3d662578d91d26e88211197ea9174d9754a4c0cfdde","token_estimate":527,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Credit_Scores___FHFA_22br38.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/policy/credit-scores\"\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/6a2538df737a6e5d74f6dbb85d6b93364ba4a0995b3b79ecf2de4b59512b8395.json b/chunks/json/6a2538df737a6e5d74f6dbb85d6b93364ba4a0995b3b79ecf2de4b59512b8395.json
new file mode 100644
index 0000000000000000000000000000000000000000..cba569e3577b32be8e0d0d15a1c515a50f9a160f
--- /dev/null
+++ b/chunks/json/6a2538df737a6e5d74f6dbb85d6b93364ba4a0995b3b79ecf2de4b59512b8395.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":343701,"char_start":342090,"chunk_id":"chk_73322f3f13aae633","chunk_index":282,"chunk_sha256":"6a2538df737a6e5d74f6dbb85d6b93364ba4a0995b3b79ecf2de4b59512b8395","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"6a2538df737a6e5d74f6dbb85d6b93364ba4a0995b3b79ecf2de4b59512b8395","token_estimate":403,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Page 261\n\nFigure 19 - 2\n\nFigure 19 - 3\n\nSubject Listing Information Exhibits\n\nThe Subject Listing Information Exhibits subsection displays when images are provided and ListedWithinPreviousYearIndicator (UID:\n0900.0004, FID: 19.000) = “true”. Any images included must be delivered using ImageCategoryType (UID: 1400.0638, FID: 19.012.1) =\n“SubjectListingExhibit”. An image caption is required using ImageCaptionCommentDescription (UID: 1400.0640, FID: 19.012.2). The caption\ndisplays above the image in bold text.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 262\n\n<IMAGE>\n\n<ImageCaptionCommentDescription>Descriptive caption for exhibit.</ImageCaptionCommentDescription>\n <ImageCategoryType>SubjectListingExhibit</ImageCategoryType>\n <ImageLocationIdentifier>zip://location/SubjectListingExhibit.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\nDetailed PDF rendering and design specifications for the URAR are in Appendix E: Style Guide.\n\nSubject Listing Information – 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\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"}
diff --git a/chunks/json/6a3140163feec21c17f220efa615a04c3622122b3a8e9aa261acf7aeec531639.json b/chunks/json/6a3140163feec21c17f220efa615a04c3622122b3a8e9aa261acf7aeec531639.json
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index 0000000000000000000000000000000000000000..158c35be6379eab1cd751b6fce6923cedb96fcf1
--- /dev/null
+++ b/chunks/json/6a3140163feec21c17f220efa615a04c3622122b3a8e9aa261acf7aeec531639.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":983517,"char_start":981864,"chunk_id":"chk_cca5491617e8d8ad","chunk_index":586,"chunk_sha256":"6a3140163feec21c17f220efa615a04c3622122b3a8e9aa261acf7aeec531639","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"6a3140163feec21c17f220efa615a04c3622122b3a8e9aa261acf7aeec531639","token_estimate":414,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PARTIES/APPRAISER/CONTACT_DETAIL/CON\nTACT_POINT[@_Type='Phone']/@_Value\n/VALUATION_RESPONSE/PARTIES/APPRAISER/CONTACT_DETAIL/CON\nTACT_POINT[@_Type='Email']/@_Value\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nDate of Signature and Report\n\nAppraiser Report\nSigned Date\n\nIndicates the date the appraiser signed the\nappraisal report.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserReportSignedDate\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nEffective Date of Appraisal\n\nAppraisal Effective\nDate\n\nEffective date of the appraisal report on\nthe subject property.\n\n/VALUATION_RESPONSE/VALUATION/@AppraisalEffectiveDate\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_LICENSE[\n@_Type='Certificate']/@_Identifier\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nor State License #\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nor Other\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\n/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICENSE[\n@_Type='License']/@_Identifier\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICENSE[\n@_Type='Other']/@_TypeOtherDescription\n\nAppraiser License\nState\n\nThe state in which the appraiser is\nlicensed.\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICENSE/\n@_State\n"}
diff --git a/chunks/json/6a3e48277d81b5a0d86eb0b617651db1a749d2bb7f03580468d3761fcfb06052.json b/chunks/json/6a3e48277d81b5a0d86eb0b617651db1a749d2bb7f03580468d3761fcfb06052.json
new file mode 100644
index 0000000000000000000000000000000000000000..6532bbd4dcc1a26f6fdfce4c09e04c48603d9021
--- /dev/null
+++ b/chunks/json/6a3e48277d81b5a0d86eb0b617651db1a749d2bb7f03580468d3761fcfb06052.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":273858,"char_start":272208,"chunk_id":"chk_3126a5bcb7620905","chunk_index":241,"chunk_sha256":"6a3e48277d81b5a0d86eb0b617651db1a749d2bb7f03580468d3761fcfb06052","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"6a3e48277d81b5a0d86eb0b617651db1a749d2bb7f03580468d3761fcfb06052","token_estimate":413,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Display all outbuildings that are real property followed by any that are not real property.\n\nSection header (black tab)\n\nThe section header (black tab) displays as “Outbuilding – [OutbuildingType]”\n\n• When ImprovementType (UID: 0300.0009, FID: Not on report) = “Outbuilding”\n\nAppendix B-1: URAR Implementation Guide v1.3\n\no OutbuildingType (UID: 0300.0025, FID: 12.001) in the section header (black tab). (Figure 12 - 1)\n\nNote: While not an enumerated value, display ADU/Garage as an option for Outbuilding Type. In the XML\n\nthe OutbuildingType = “Other” and OutbuildingTypeOtherDescription = “ADUGarage”.\n\nPage 204\n\nFigure 12 - 1\n\nOutbuilding – General Information\n\nAn image must be provided for each outbuilding, with ImageCategoryType (UID: 1400.0640, FID: 12.007.1) = “OutbuildingExhibit” and\nImageCaptionCommentDescription (UID: 1400.0638, FID: 12.007.2) . Display image on the right side without caption and the image would not\ndisplay in the Outbuilding Exhibits subsection.\n\nFor each outbuilding, additional information is necessary.\n\nWhen ImprovementType = \"Outbuilding\" and Considered Real Property - OutbuildingRealPropertyIndicator (UID: 0300.0024, FID: 12.002) =\n“true”\n\n• Considered Real Property - OutbuildingRealPropertyIndicator (UID: 0300.0024, FID: 12.002)\n\n• Units in Structure - LivingUnitCount (UID: 0300.0063, FID: 12.003) displays.\n\no Deliver as zero if there are no living units in the outbuilding.\n\n• Structure Volume - StructureVolumeMeasure (UID: 0300.0073, FID: 12.005) display when provided.\n\n• Gross Building Area - StructureAreaMeasure (UID: 0300.0060, FID: 12.006) displays, and the text “Gross Building Area for the\n"}
diff --git a/chunks/json/6a3ec833f00141556ae06a2e620429ae3bf4c100f3a14b6bb1dbac854e8c8d40.json b/chunks/json/6a3ec833f00141556ae06a2e620429ae3bf4c100f3a14b6bb1dbac854e8c8d40.json
new file mode 100644
index 0000000000000000000000000000000000000000..199bedff92bb93541d5436258717acf2078742af
--- /dev/null
+++ b/chunks/json/6a3ec833f00141556ae06a2e620429ae3bf4c100f3a14b6bb1dbac854e8c8d40.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":274091,"char_start":272405,"chunk_id":"chk_a26e35da453ec48d","chunk_index":152,"chunk_sha256":"6a3ec833f00141556ae06a2e620429ae3bf4c100f3a14b6bb1dbac854e8c8d40","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"6a3ec833f00141556ae06a2e620429ae3bf4c100f3a14b6bb1dbac854e8c8d40","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":"Addressing Appraisal Deficiencies\n\nThe lender is responsible for confirming that an appraisal report is complete, and any changes made are by the appraiser that\ncompleted it. If the lender has concerns with the appraisal resulting in questions about the reliability of the opinion of market\nvalue, the lender must attempt to resolve its concerns with the original appraiser. The lender must return the appraisal report to\nthe original appraiser, identify the deficiency found, and provide justification for requesting the deficiency corrections the lender\nbelieves make the appraisal report unreliable. Any lender request for the appraiser must be based on material and substantive\nevidence and must not be solely based on the opinion of market value not supporting the proposed loan amount. The revised\nappraisal report must contain the date, the section, and details of the changes made in the Revision History of the URAR. The\nlender must document in the loan file the resolution of the noted deficiencies in the original appraisal report.\n\nWhen the lender is unable to resolve its concerns with the original appraiser and the appraisal is considered deficient, the lender\nhas the following options.\n\n• obtain a new appraisal report of the subject property from an alternate appraiser, or\n• obtain a desk or field review of the original appraisal report.\n\nIf the lender obtains a new appraisal report, the lender must comply with the requirements for multiple appraisals of the subject\nproperty in SB4-1.2-04, Age of Appraisal and Restricted Appraisal Update Report Requirements and select the most reliable\nappraisal report prior to making a final underwriting decision on the loan.\n"}
diff --git a/chunks/json/6a48886821cf92915a390eedb09c629f360d4440bd79e485de5ffdaf6acf1875.json b/chunks/json/6a48886821cf92915a390eedb09c629f360d4440bd79e485de5ffdaf6acf1875.json
new file mode 100644
index 0000000000000000000000000000000000000000..4af3abc73b3f8891c073daf5ade11f7af1add251
--- /dev/null
+++ b/chunks/json/6a48886821cf92915a390eedb09c629f360d4440bd79e485de5ffdaf6acf1875.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":23069,"char_start":21121,"chunk_id":"chk_4e74f0d753e59bba","chunk_index":12,"chunk_sha256":"6a48886821cf92915a390eedb09c629f360d4440bd79e485de5ffdaf6acf1875","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2f28eab53ee58644","text_sha256":"6a48886821cf92915a390eedb09c629f360d4440bd79e485de5ffdaf6acf1875","token_estimate":530,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Use_Database___FHFA_bbf3rc.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\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/6a7300485dd22acdad3b1c6187279bde20619261f6eb085d5e1f91b22823c0e6.json b/chunks/json/6a7300485dd22acdad3b1c6187279bde20619261f6eb085d5e1f91b22823c0e6.json
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index 0000000000000000000000000000000000000000..2b8eb30010351f063d73e3061bf3c330f66feec6
--- /dev/null
+++ b/chunks/json/6a7300485dd22acdad3b1c6187279bde20619261f6eb085d5e1f91b22823c0e6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":237982,"char_start":235968,"chunk_id":"chk_752f2fae1d849ca5","chunk_index":133,"chunk_sha256":"6a7300485dd22acdad3b1c6187279bde20619261f6eb085d5e1f91b22823c0e6","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"6a7300485dd22acdad3b1c6187279bde20619261f6eb085d5e1f91b22823c0e6","token_estimate":504,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"• Moderately sized kitchens featuring\nstandard-grade appliances, cabinetry and\ncountertops or a mix of economy and\nupgraded elements.\n\n• Usually featuring multiple bathrooms of\nmoderate size containing standard-grade\ncabinetry and plumbing fixtures or a\nmixture of economy and upgraded\nelements.\n\n• Windows and doorways\nconstructed of standard-grade\nmaterial.\n\n• Simple roof designs using\nstandard-grade roof materials\nwith moderate pitch and could\nhave more than one ridge; may\nfeature some simple decorative\nelements such as gables or\noverhangs.\n\n• Exterior walls constructed\nusing standard-grade materials\nand featuring multiple corners;\nbut basically rectangular in\nshape or footprint.\n\n• Small rooms typically with flat ceilings,\nminimal trim or finishes of basic design.\n\n• Economy floor coverings that meet\nminimum standards.\n\n• Small kitchens featuring economy-grade\nappliances, cabinetry, and countertops or a\nmix of standard and economy grade.\n\n• Bathrooms that are limited in size and\nnumber, and feature economy-grade\ncabinetry and plumbing fixtures or a\nmixture of economy and standard-grade\nelements.\n\n• Limited windows and\ndoorways, constructed of\neconomy grade materials,\nsimple in shape and design, and\nfeaturing basic trim and finish.\n\n• Basic roof design, usually low-\npitch and single roofline;\nfeatures economy or standard-\ngrade roof materials.\n\n• Exterior walls constructed\nusing economy or standard-\ngrade materials and featuring\nminimal corners; usually a basic\nrectangular shape.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 93 of 166\n\nUAD 3.6 Policy\n\nQ6\n\nThe dwelling is a structure\nconstructed in a manner\nreflecting a lack of basic\narchitectural designs and may not\nmeet local building standards.\nThe materials and amenities are\nlow quality, alternate, or non-\ncustomary; or whose\nconstruction or installation\nreflects unskilled workmanship\nand may not be adequately\nequipped to support year-round\noccupancy. Q6 dwellings may be\nrare or even non-existent in many\ncommunities.\n"}
diff --git a/chunks/json/6a75da8e8b27811d91e13766485698b91384399eb85055034acf9e525e515848.json b/chunks/json/6a75da8e8b27811d91e13766485698b91384399eb85055034acf9e525e515848.json
new file mode 100644
index 0000000000000000000000000000000000000000..b0640204c1ca7f459c6e7e49d1946a30c0fec644
--- /dev/null
+++ b/chunks/json/6a75da8e8b27811d91e13766485698b91384399eb85055034acf9e525e515848.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":105744,"char_start":104119,"chunk_id":"chk_1c2ae371eb2faea3","chunk_index":62,"chunk_sha256":"6a75da8e8b27811d91e13766485698b91384399eb85055034acf9e525e515848","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"6a75da8e8b27811d91e13766485698b91384399eb85055034acf9e525e515848","token_estimate":407,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Zoning Compliance\nIllegal\n\nSite Zoning\nCompliance Type\n\nIndicates the level of compliance of\nthe subject Site to zoning regulations.\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n[@_ZoningComplianceType='Illegal']\n\n13\n\n13\n\n13\n\n13\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nZoning Compliance\nIllegal (describe)\n\nSite Zoning\nCompliance\nDescription\n\nA free-form text field describing any\nissues concerning how the site\ncomplies with zoning regulations\nincluding limitations on future\ndevelopment.\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n/@_ZoningComplianceDescription\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\n102\n\n1\n\n96\n\nSITE\n\n103\n\n1\n\n97\n\nSITE\n\n104\n\n1\n\n98\n\nSITE\n\nIs the highest and best\nuse of subject as\nimproved (or as\nproposed per plans and\nspecifications) the\npresent use? Yes\nIs the highest and best\nuse of subject as\nimproved (or as\nproposed per plans and\nspecifications) the\npresent use? No\nIs the highest and best\nuse of subject as\nimproved (or as\nproposed per plans and\nspecifications) the\npresent use? If No,\ndescribe\n\nHighest Best Use\nIndicator\n\nIndicates that the present use is the\nhighest and best of the site as\nimproved.\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n[@HighestBestUseIndicator='Y']\n\nHighest Best Use\nIndicator\n\nIndicates that the present use is the\nhighest and best of the site as\nimproved.\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n[@HighestBestUseIndicator='N']\n\n1\n\n1\n\nBoolean\n\nBoolean\n\nHighest Best Use\nDescription\n\nSpecifies a use, other than the present\nuse, that would constitute a higher\nand best use of the site.\n"}
diff --git a/chunks/json/6a83cf1aa4546c657169b6ad3c83073fa648ed4f189470383fbcd80104bd48b0.json b/chunks/json/6a83cf1aa4546c657169b6ad3c83073fa648ed4f189470383fbcd80104bd48b0.json
new file mode 100644
index 0000000000000000000000000000000000000000..26ceaf30c1673b15b2ecb993d7dad91892475e55
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+++ b/chunks/json/6a83cf1aa4546c657169b6ad3c83073fa648ed4f189470383fbcd80104bd48b0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":300934,"char_start":299331,"chunk_id":"chk_c5208fc3b3e07a47","chunk_index":177,"chunk_sha256":"6a83cf1aa4546c657169b6ad3c83073fa648ed4f189470383fbcd80104bd48b0","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"6a83cf1aa4546c657169b6ad3c83073fa648ed4f189470383fbcd80104bd48b0","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Examples: Unit 1, Unit 2, Primary Dwelling, ADU\n\nNote: If there are multiple units or ADUs, Unit Identifier cannot be repeated.\nFor 2-4 unit properties, units would be identified as Unit 1, Unit 2, etc.\n\nGeneral Information\n\nArea Breakdown and Data Source\n\nReference published guidelines by the GSEs, government agencies, or other identified secondary market\nparticipants regarding area measurement requirements, and Appendix 3: ANSI Example for an example of the\napplication of ANSI.\n\nNote: Noncontinuous finished area is reported in Dwelling Exterior (8.046-8.048) and not here.\n\nReport\nField ID\n\n10.003\n\n10.004\n\nUnit Interior: Area Breakdown and Data Source, Finish of Below Grade Areas\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nAlways required\n\nAlways required\n\nFinished Above\nGrade\n\nFinished Above\nGrade\n(Nonstandard)\n\nNumber of square\nfeet\n\nAbove Grade Finished Area: The total above grade finished area of the living\nunit.\n\nNumber of square\nfeet\n\nAbove Grade Finished Area (Nonstandard): Above grade finished area(s) with\ndirect interior access from within the dwelling not conforming to the ANSI\nceiling height requirements or accessed through unfinished area(s) such as an\nunfinished hallway, a room, or staircase.\n\nNotes:\n•\n\n•\n\nIndicate the reason the area is nonstandard in Unit Interior Commentary\n(10.061).\nIf 0, Above Grade Finished Area (Nonstandard) does not display.\n\nNumber of square\nfeet\n\nAbove Grade Unfinished Area: The total above grade unfinished area of the\nliving unit.\n\n10.005 Unfinished\n\nAlways required\n\n10.006\n\nAbove Grade\n"}
diff --git a/chunks/json/6a88bd183d20cb91215402596c4ad09af6f2b67fc1883212e7cce675b1931f00.json b/chunks/json/6a88bd183d20cb91215402596c4ad09af6f2b67fc1883212e7cce675b1931f00.json
new file mode 100644
index 0000000000000000000000000000000000000000..82635f9d0a24846a87fc4f072f5e85efd8dd7157
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+{"chunk":{"char_end":1740,"char_start":0,"chunk_id":"chk_b71ab999c8a25ade","chunk_index":0,"chunk_sha256":"6a88bd183d20cb91215402596c4ad09af6f2b67fc1883212e7cce675b1931f00","date_utc":"2026-01-27T17:54:29+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_dfc9e9f192756312","text_sha256":"6a88bd183d20cb91215402596c4ad09af6f2b67fc1883212e7cce675b1931f00","token_estimate":533,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Duty_to_Serve_Eligibility_Data___FHFA_wksmt.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/duty-to-serve/eligibility-data\"\ndate_accessed: \"2026-01-27T17:54:20.547Z\"\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/6a88f4cca8fc68aee151cb0ff2056c5961c0b61cc3ac603a78d7feb17593d8f5.json b/chunks/json/6a88f4cca8fc68aee151cb0ff2056c5961c0b61cc3ac603a78d7feb17593d8f5.json
new file mode 100644
index 0000000000000000000000000000000000000000..d47500480baf134207d5b1d9ffa5de1fb0b4e29d
--- /dev/null
+++ b/chunks/json/6a88f4cca8fc68aee151cb0ff2056c5961c0b61cc3ac603a78d7feb17593d8f5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":412382,"char_start":410778,"chunk_id":"chk_f53b55f1d32594fa","chunk_index":241,"chunk_sha256":"6a88f4cca8fc68aee151cb0ff2056c5961c0b61cc3ac603a78d7feb17593d8f5","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"6a88f4cca8fc68aee151cb0ff2056c5961c0b61cc3ac603a78d7feb17593d8f5","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Money\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\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\nCR\n\nCR\n\nCR\n\nCR\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\nCR\n\nCR\n\nCR\n\nCR\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\nCR\n\nCR\n\nCR\n\nCR\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\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 86 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\n88\n\n89\n\n90\n\n91\n\n92\n\n1\n\n1\n\n1\n\n1\n\n1\n\n84\n\n85\n\n86\n\n87\n\n88\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\nNEIGHBORHOOD Neighborhood Description\n\nNEIGHBORHOOD\n\nMarket Conditions (including\nsupport for the above\nconclusions)\n\nNeighborhood\nDescription\nNeighborhood\nMarket Conditions\nDescription\n\nPROJECT SITE Topography\n\nPROJECT SITE Size\n"}
diff --git a/chunks/json/6a972dbae8f3315b95df6517fb97bbdbc58655a591bf1234aeb310f8562851b3.json b/chunks/json/6a972dbae8f3315b95df6517fb97bbdbc58655a591bf1234aeb310f8562851b3.json
new file mode 100644
index 0000000000000000000000000000000000000000..7b7df0e5f7c505a5b41e29153b1884932568b998
--- /dev/null
+++ b/chunks/json/6a972dbae8f3315b95df6517fb97bbdbc58655a591bf1234aeb310f8562851b3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":411239,"char_start":409628,"chunk_id":"chk_e29767c545382fb2","chunk_index":243,"chunk_sha256":"6a972dbae8f3315b95df6517fb97bbdbc58655a591bf1234aeb310f8562851b3","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"6a972dbae8f3315b95df6517fb97bbdbc58655a591bf1234aeb310f8562851b3","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"This section always displays and provides space for additional commentary and exhibits.\n\nAddressing highest and best use as if vacant land or other points of highest and best use may be done utilizing\nthe Highest and Best Use Commentary (16.005).\n\nHighest and Best Use\n\nReport\nField ID\n\n16.000\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nLegally\nPermissible\n\nAlways required\n\nYes | No\n\n16.001 Physically\n\nAlways required\n\nYes | No\n\nAlways required\n\nYes | No\n\nAlways required\n\nYes | No\n\nAlways required\n\nYes | No\n\n16.002\n\nPossible\n\nFinancially\nFeasible\n\n16.003 Maximally\nProductive\n\n16.004\n\nIs the highest\nand best use of\nthe subject\nproperty as\nimproved (or as\nproposed per\nplans and\nspecifications)\nthe present use?\n\nDefinition / Additional Guidance\n\nIndicates whether the current improvements (or the proposed improvements if\nappraised “subject to”) of the property are legally allowed, with particular\nattention to zoning.\n\nIndicates whether the current improvements (or the proposed improvements if\nappraised “subject to”) of the property are physically possible.\n\nIndicates whether the current improvements (or the proposed improvements if\nappraised “subject to”) of the property are financially feasible.\n\nIndicates whether the current improvements (or the proposed improvements if\nappraised “subject to”) of the property are maximally productive.\n\nHighest and Best Use\nAfter consideration of all four tests, indicates whether the present or proposed\nuse is the highest and best use of the site.\n\nAppendix F-1: URAR Reference Guide\n\nPage 175 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n"}
diff --git a/chunks/json/6ab71ba85059befb92da63320a4a367fbf8c00f8f5cfcfb5cd28bac2ff91e122.json b/chunks/json/6ab71ba85059befb92da63320a4a367fbf8c00f8f5cfcfb5cd28bac2ff91e122.json
new file mode 100644
index 0000000000000000000000000000000000000000..a2d0ea0bfef52f62ce9c63e15499f5a1e74a93d5
--- /dev/null
+++ b/chunks/json/6ab71ba85059befb92da63320a4a367fbf8c00f8f5cfcfb5cd28bac2ff91e122.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":48870,"char_start":47253,"chunk_id":"chk_cb48e4c603fb6c37","chunk_index":27,"chunk_sha256":"6ab71ba85059befb92da63320a4a367fbf8c00f8f5cfcfb5cd28bac2ff91e122","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"6ab71ba85059befb92da63320a4a367fbf8c00f8f5cfcfb5cd28bac2ff91e122","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"The name of the company for which the appraiser or supervisory appraiser\nworks.\n\nCompany Name Always required for\n\nFree-form\n\n08.015\n08.030\n\n08.016\n08.031\n\nCompany\nAddress\n\nthe appraiser and\nsupervisory appraiser\n\nAlways required for\nthe appraiser and\nsupervisory appraiser\n\nFree-form\n\nThe address of the company for which the appraiser or supervisory appraiser\nworks.\n\nScope of Inspection by Appraiser and Supervisory Appraiser\n\nReference published guidelines by the GSEs, government agencies, or other identified secondary market\nparticipants for requirements regarding the level of inspection.\n\nAssignment Information: Contact Information – Scope of Inspection for Subject Property\n\nReport\nField ID\n\n08.017\n08.032\n\nReport Label\n\nWhen to Include\n\nSubject Property\nInspection\nExterior\n\nAlways required for\nthe appraiser and\nsupervisory appraiser\n\n08.018\n08.033\n\nSubject Property\nInspection\nInterior\n\nAlways required for\nthe appraiser and\nsupervisory appraiser\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nExterior Inspection Method: The method by which the exterior inspection was\nconducted by the appraiser or supervisory appraiser.\n•\n•\n•\n\nPhysical\nVirtual\nNo Inspection\n\nInterior Inspection Method: The method by which the interior inspection was\nconducted by the appraiser or supervisory appraiser.\n•\n•\n•\n\nPhysical\nVirtual\nNo Inspection\n\nAppendix F-3: Completion Report Reference Guide\n\nPage 26 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n"}
diff --git a/chunks/json/6abc9b38decefa29bd18baf10ae9b7df350bddf8479f064cccdeae5327011b58.json b/chunks/json/6abc9b38decefa29bd18baf10ae9b7df350bddf8479f064cccdeae5327011b58.json
new file mode 100644
index 0000000000000000000000000000000000000000..c095fc3c0d885487fe7ba3682bbf629bf06394ab
--- /dev/null
+++ b/chunks/json/6abc9b38decefa29bd18baf10ae9b7df350bddf8479f064cccdeae5327011b58.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":400100,"char_start":398463,"chunk_id":"chk_5bc450cd81db2e59","chunk_index":224,"chunk_sha256":"6abc9b38decefa29bd18baf10ae9b7df350bddf8479f064cccdeae5327011b58","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"6abc9b38decefa29bd18baf10ae9b7df350bddf8479f064cccdeae5327011b58","token_estimate":410,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Table 124. Required Sections for each Closing Disclosure Variation -- UPDATED\n\nID\n\nForm Section Name\n\nPurchase Transactions Only\n\nModel Form\n\nSplit-Borrower Only\n\nNon-Seller Transactions\nOnly Alternate Form\n\n17.0\n\nLoan Disclosures\n\n✓\n\n✓\n\n✓\n\n17.0 Loan Disclosures provides legal details about the loan terms.\n\n17.0 Loan Disclosures\n17.1 Assumption\n\nIf you sell or transfer this property to another person, your lender\n will allow, under certain conditions, this person to assume this\n\nloan on the original terms.\n\n will not allow assumption of this loan on the original terms.\n\n17.2 Demand Feature\n\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 does not have a demand feature.\n\n17.3 Late Payment\nIf your payment is more than 10 days late, your lender will charge a\nlate fee of $100 OR 2% of the monthly principal and interest payment.\n\n17.4 Negative Amortization (Increase in Loan Amount)\n\nUnder your loan terms, you\n are scheduled to make monthly payments that do not pay all of\nthe interest due that month. As a result, your loan amount will\nincrease (negatively amortize), and your loan amount will likely\n become larger than your original loan amount. Increases in your\n\nloan amount lower the equity you have in this property.\n\nmay have monthly payments that do not pay all of the interest\n due that month. If you do, your loan amount will increase\n\n(negatively amortize), and, as a result, your loan amount may\n become larger than your original loan amount. Increases in your\n\nloan amount lower the equity you have in this property.\n"}
diff --git a/chunks/json/6abfdc30d9a101d061a1d32c81ee3e5fe2114396cd95c3b94be65fd7079580f1.json b/chunks/json/6abfdc30d9a101d061a1d32c81ee3e5fe2114396cd95c3b94be65fd7079580f1.json
new file mode 100644
index 0000000000000000000000000000000000000000..313f66b6c67df163fc0a68ec56425465f1e64104
--- /dev/null
+++ b/chunks/json/6abfdc30d9a101d061a1d32c81ee3e5fe2114396cd95c3b94be65fd7079580f1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7142,"char_start":6194,"chunk_id":"chk_a7989a15f1d37724","chunk_index":6,"chunk_sha256":"6abfdc30d9a101d061a1d32c81ee3e5fe2114396cd95c3b94be65fd7079580f1","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"6abfdc30d9a101d061a1d32c81ee3e5fe2114396cd95c3b94be65fd7079580f1","token_estimate":413,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:21)(cid:17)(cid:19)(cid:22)(cid:21)\n\n(cid:21)(cid:17)(cid:19)(cid:22)(cid:22)\n\n(cid:21)(cid:17)(cid:19)(cid:22)(cid:23)\n\n(cid:21)(cid:17)(cid:19)(cid:22)(cid:24)\n\nScope of Inspection by Supervisory Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\n(cid:21)(cid:17)(cid:19)(cid:22)(cid:25)\n(cid:21)(cid:17)(cid:19)(cid:22)(cid:26)\n\n(cid:21)(cid:17)(cid:19)(cid:22)(cid:27)\n\nSignificant Real Property Appraisal Assistance\n\nName\n\n(cid:21)(cid:17)(cid:19)(cid:23)(cid:26)\n\nDescription\n\n(cid:21)(cid:17)(cid:19)(cid:23)(cid:27)\n\nProperty Data Report\n\nName\nOccupation\nCompany Name\nCompany Address\nReference ID\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\n(cid:21)(cid:17)(cid:19)(cid:24)(cid:22)\n\n(cid:21)(cid:17)(cid:19)(cid:24)(cid:23)\n\n(cid:21)(cid:17)(cid:19)(cid:24)(cid:24)\n\n(cid:21)(cid:17)(cid:19)(cid:24)(cid:25)\n\n(cid:21)(cid:17)(cid:19)(cid:24)(cid:26)\n\n(cid:21)(cid:17)(cid:19)(cid:24)(cid:27)\n"}
diff --git a/chunks/json/6aea3d8c69af5bd048b11172b1794104ff23c0fa15567358859383d59dd0346e.json b/chunks/json/6aea3d8c69af5bd048b11172b1794104ff23c0fa15567358859383d59dd0346e.json
new file mode 100644
index 0000000000000000000000000000000000000000..67f6298519e40f649635d32bac05a61474f82a5a
--- /dev/null
+++ b/chunks/json/6aea3d8c69af5bd048b11172b1794104ff23c0fa15567358859383d59dd0346e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":38644,"char_start":37030,"chunk_id":"chk_1c4ddd5446e7ab61","chunk_index":22,"chunk_sha256":"6aea3d8c69af5bd048b11172b1794104ff23c0fa15567358859383d59dd0346e","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"6aea3d8c69af5bd048b11172b1794104ff23c0fa15567358859383d59dd0346e","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":"Uniform Residential Appraisal Report\n\nPage 27 of 30\nPage 27 of 30\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/6b00bafae44de540e9574fdfb16bd3a371e4fd0983300f92c95d46f02d15fa43.json b/chunks/json/6b00bafae44de540e9574fdfb16bd3a371e4fd0983300f92c95d46f02d15fa43.json
new file mode 100644
index 0000000000000000000000000000000000000000..9fd5a85e749d78f89d13e283147c4f1f694f4448
--- /dev/null
+++ b/chunks/json/6b00bafae44de540e9574fdfb16bd3a371e4fd0983300f92c95d46f02d15fa43.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13677,"char_start":12035,"chunk_id":"chk_517f92a1b639b935","chunk_index":7,"chunk_sha256":"6b00bafae44de540e9574fdfb16bd3a371e4fd0983300f92c95d46f02d15fa43","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_970d25bb86fc355d","text_sha256":"6b00bafae44de540e9574fdfb16bd3a371e4fd0983300f92c95d46f02d15fa43","token_estimate":411,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Conservatorship___FHFA_uqjmm.md"]},"text":"## Conservatorship Scorecards\n\nThe annual Conservatorship Scorecard is FHFA's mechanism for communicating its priorities and expectations for the Enterprises and providing transparency to the public about these expectations. The 2025 Scorecard priorities are promoting (1) equitable access to affordable and sustainable housing and (2) operating the business in a safe and sound manner.\n\n- [All Scorecards](/reports/conservatorships-performance-goals-scorecard)​\n- Scorecard Progress Reports- [Scorecard Progress Reports (2013 – 2018)](/reports/conservatorships-progress-report)\n- [Scorecard Reporting in “Conservatorships of the Enterprises” chapter in FHFA Annual Report to Congress (2019 – present)](/reports/annual-report-to-congress)\n## Required Reporting\n\nOn October 3, 2008, President George W. Bush signed the Emergency Economic Stabilization Act of 2008 (EESA), providing broad authorities to the Treasury to undertake measures to strengthen financial institutions. EESA included provisions to assist homeowners facing foreclosure and to protect tenants. Section 110 of EESA charges federal property managers (FPMs) to develop and implement plans to maximize assistance for homeowners and encourage servicers of underlying mortgages to take advantage of programs to minimize foreclosures. In addition, each FPM is required to report to Congress every 30 days. The report must contain specific information on the number and types of loan modifications made and the number of actual foreclosures during the reporting period. FHFA is designated as FPM in its role as conservator for Fannie Mae and Freddie Mac under Section 110 of EESA.\n"}
diff --git a/chunks/json/6b063dc4eacc85118fb9909294e7cfc4bf0ff4ea43cb64ea959c1510d9e6d9ae.json b/chunks/json/6b063dc4eacc85118fb9909294e7cfc4bf0ff4ea43cb64ea959c1510d9e6d9ae.json
new file mode 100644
index 0000000000000000000000000000000000000000..77db024fe9fb3c3f891b1435701f0ff437ebe612
--- /dev/null
+++ b/chunks/json/6b063dc4eacc85118fb9909294e7cfc4bf0ff4ea43cb64ea959c1510d9e6d9ae.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":164053,"char_start":162426,"chunk_id":"chk_ea4ad8acfdb50b95","chunk_index":175,"chunk_sha256":"6b063dc4eacc85118fb9909294e7cfc4bf0ff4ea43cb64ea959c1510d9e6d9ae","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"6b063dc4eacc85118fb9909294e7cfc4bf0ff4ea43cb64ea959c1510d9e6d9ae","token_estimate":407,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"0100.0008\n\nAddressUnitIdentifier\n\n0100.0009\n\nCityName\n\n0100.0011\n\nPostalCode\n\n0100.0012\n\nStateCode\n\nDisplay if exists\nDisplay the AddressUnitDesignatorType (UID: 1200.0052, FID: 3.000) =\n“Unit” followed by the AddressUnitIdentifier\n\nNote: For properties with multiple units, do not populate unit number in\nPhysical Address. Unit Identifier is included in the Unit Interior section.\n\nAlways displays\n\n0100.0002\n\nAddressLineText\n\nDisplay when CityName Exists OR PostalCode Exists OR StateCode Exists\n\n3.001\n\nAlternate Physical Address\n\n0100.0004\n\nCityName\n\n0100.0003\n\nAddressUnitIdentifier\n\n0100.0005\n\nPostalCode\n\n0100.0006\n\nStateCode\n\nDisplay if exists\nNote: All data elements (except for AddressUnitIdentifier) must be\ndelivered when providing a property's additional address.\nDisplay when AddressLineText Exists OR PostalCode Exists OR StateCode\nExists\nDisplay when AddressLineText Exists OR CityName Exists OR StateCode\nExists\nDisplay when AddressLineText Exists OR CityName Exists OR PostalCode\nExists\n\n3.002\n\nCounty\n\n0100.0010\n\nCountyName\n\nAlways displays\n\n3.003\n\nNeighborhood Name\n\n0100.0017\n\nNeighborhoodName\n\nDisplay if exists\n\n3.004\n\nAttachment Type\n\n0100.0020\n\nAttachmentType\n\n3.005\n\n3.006\n\n3.007\n\nUnits Excluding ADUs\n\n0100.0022\n\nLivingUnitExcludingADUCount\n\nAlways displays\n\nAccessory Dwelling Units\n\n0100.0019\n\nAccessoryDwellingUnitTotalCount\n\nDwellings Containing Units\n\n0100.0021\n\nDwellingCount\n\nDisplay when LivingUnitExcludingADUCount > 1\n\n3.008\n\nSpecial Tax Assessments\n\n0100.0033\n\nSpecialTaxAssessmentsIndicator\n\nAlways displays\n\n3.009\n\nDescription of Special Tax\nAssessments and Impact to\nValue/Marketability\n"}
diff --git a/chunks/json/6b0995edb1d44c4363e497fdd0ec6dcd346fb14b2383630b72324c0b7ea80b96.json b/chunks/json/6b0995edb1d44c4363e497fdd0ec6dcd346fb14b2383630b72324c0b7ea80b96.json
new file mode 100644
index 0000000000000000000000000000000000000000..80459444270b370cdea3e66723466e909610b25e
--- /dev/null
+++ b/chunks/json/6b0995edb1d44c4363e497fdd0ec6dcd346fb14b2383630b72324c0b7ea80b96.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1735,"char_start":0,"chunk_id":"chk_726e08a13588e093","chunk_index":0,"chunk_sha256":"6b0995edb1d44c4363e497fdd0ec6dcd346fb14b2383630b72324c0b7ea80b96","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_cbe32def6b447b54","text_sha256":"6b0995edb1d44c4363e497fdd0ec6dcd346fb14b2383630b72324c0b7ea80b96","token_estimate":531,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Research___FHFA_vjasu9.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/research?category%5B176%5D=176\"\ndate_accessed: \"2026-01-27T17:47:56.044Z\"\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/6b0f17e964ade9131eab3ffcfcca574341f667130dd72e1ad5124cad3ec0b6ed.json b/chunks/json/6b0f17e964ade9131eab3ffcfcca574341f667130dd72e1ad5124cad3ec0b6ed.json
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index 0000000000000000000000000000000000000000..de12d3cce07d9030525488735a04751556c18446
--- /dev/null
+++ b/chunks/json/6b0f17e964ade9131eab3ffcfcca574341f667130dd72e1ad5124cad3ec0b6ed.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":561890,"char_start":560121,"chunk_id":"chk_0137fea38e2461ef","chunk_index":331,"chunk_sha256":"6b0f17e964ade9131eab3ffcfcca574341f667130dd72e1ad5124cad3ec0b6ed","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"6b0f17e964ade9131eab3ffcfcca574341f667130dd72e1ad5124cad3ec0b6ed","token_estimate":443,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Allowable Values PDF Display\nResidential Res\nIndustrial Ind\nCommercial Comm\nBusyRoad BsyRd\nWaterFront WtrFr\nGolfCourse GlfCse\nAdjacentToPark AdjPrk\nAdjacentToPowerLines AdjPwr\nLandfill Lndfl\nPublicTransportation PubTrn\nOther *\n\n*See field e-16 directly below.\n\nAt least one but no more than two\nvalues are required.\n\nR\n\nR\n\nR\n\n341\n\n3\n\ne-16\n\nSALES\nCOMPARISON\nAPPROACH\n\nLocation\n\nGSE Location\nType Other\nDescription\n\nText entry when 'Other' is selected as\nLocation Type.\n\n342\n\n3\n\n23\n\nSALES\nCOMPARISON\nAPPROACH\n\nLeasehold/Fee Simple\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='0']/COMPARISON_L\nOCATION_DETAIL_EXTENSION/COMPARISON_LOCATION_DETAIL_EX\nTENSION_SECTION[@ExtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_LOCATION_DETAIL_EXTENSION_SECTION_\nDATA/COMPARISON_LOCATION_DETAIL/.[@GSELocationType='Other']/@\nGSELocationTypeOtherDescription\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='PropertyRights']/@_Description\n\n20\n\n20\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nIf a location factor not on the list materially affects the value of the property, the\nappraiser must select 'Other' and enter a description of the location 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"}
diff --git a/chunks/json/6b136b776d2e88b9a45430255465a31602aa98fc39f62ae78a9f246389f7ebdf.json b/chunks/json/6b136b776d2e88b9a45430255465a31602aa98fc39f62ae78a9f246389f7ebdf.json
new file mode 100644
index 0000000000000000000000000000000000000000..e7eff836e4a0e9be5026a5a3b972d73072d5adf2
--- /dev/null
+++ b/chunks/json/6b136b776d2e88b9a45430255465a31602aa98fc39f62ae78a9f246389f7ebdf.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1816,"char_start":0,"chunk_id":"chk_d4f198770b152177","chunk_index":0,"chunk_sha256":"6b136b776d2e88b9a45430255465a31602aa98fc39f62ae78a9f246389f7ebdf","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_703da149b1018a8c","text_sha256":"6b136b776d2e88b9a45430255465a31602aa98fc39f62ae78a9f246389f7ebdf","token_estimate":454,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-release-nov-15-2025.pdf"]},"text":"Desktop Underwriter/Desktop Originator Release Notes\nDU Version 12.0 November Update\n\nSept. 24, 2025\n\nUpdated Nov. 5, 2025\n\nDuring the weekend of Nov. 15, 2025, Fannie Mae will implement an update to Desktop Underwriter® (DU®) Version 12.0, which\nwill include the changes described below. Unless otherwise noted below, the changes in this release will apply to DU V. 12.0 loan\ncasefiles submitted or resubmitted to DU on or after the weekend of Nov. 15, 2025.\n\nThe changes in this release include the following updates:\n▪ Eligibility Assessment Update (updated Nov. 5, 2025)\n▪ Documentation Updates for Borrowers without Traditional Credit\n▪ Undisclosed Liabilities (added Nov. 5, 2025)\n▪ Rural High-Needs Areas (added Nov. 5, 2025)\n▪ Updates to Align with the Selling Guide\n\nEligibility Assessment Update\n\nThe DU risk assessment reflects a comprehensive evaluation of credit risk factors from the borrower’s credit report along with\nnon-credit risk factors from the loan application. The credit risk factors consider how well the borrower has handled credit, both\nnow and in the past. DU will be updated with the changes specified below to align our minimum credit risk standards with our\nunderlying DU risk assessment framework.\n\nMinimum credit score requirements (updated Nov. 5, 2025)\n\nThe minimum representative credit score requirement of 620 for loan casefiles for one borrower and minimum average median\ncredit score requirement of 620 for more than one borrower will be removed for new loan casefiles created on or after Nov. 16,\n2025. This requirement will be replaced with a minimum credit risk standard based on the credit risk factor evaluation within the\nDU credit risk assessment. The factors used in this assessment are specified in section B3-2-03, Risk Factors Evaluated by DU of\nthe Selling Guide.\n"}
diff --git a/chunks/json/6b14c28b0d74ea41f5462ccc23ccc99ed4ac444bbbb2f09b675920f54058291d.json b/chunks/json/6b14c28b0d74ea41f5462ccc23ccc99ed4ac444bbbb2f09b675920f54058291d.json
new file mode 100644
index 0000000000000000000000000000000000000000..3814bda9d1b52cc20964f4c0302ecb7d5af9fab5
--- /dev/null
+++ b/chunks/json/6b14c28b0d74ea41f5462ccc23ccc99ed4ac444bbbb2f09b675920f54058291d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":34363,"char_start":32644,"chunk_id":"chk_002f6063aaf73cb6","chunk_index":25,"chunk_sha256":"6b14c28b0d74ea41f5462ccc23ccc99ed4ac444bbbb2f09b675920f54058291d","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"6b14c28b0d74ea41f5462ccc23ccc99ed4ac444bbbb2f09b675920f54058291d","token_estimate":430,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"A SequenceNumber is not a required attribute but is a best practice when paired with the xlink:\nlabel attribute. The SequenceNumber attribute can provide an order for multi-instance containers\nand is a mechanism to distinguish them from one another. For example, the borrower may report\nownership of multiple assets and the following XML illustrates the usage of SequenceNumber to\nidentify each individual ASSET container:\n\nExample 2 Attributes and when Sequence number usage\n\n3. Context. The data contained within a fixed length file format is meaningless if the position, field\nlength and data explanation are not known. This is not the case with an XML file. The hierarchical\nnature of an XML file provides a greater degree of context to the information. An example of this\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n16\n\nis a street is part of an address, which is part of an owned property record which is also a part of a\nborrower’s asset record. This structure in XML shows how a header is not needed and the\nrelationship of the street address to the asset. Refer to Example 3 to visualize the concept in an\nXML code:\n\nExample 3 XML code example to illustrate absence of a header\n\nCreating an XML Schema based submission file\nThe MISMO_3.4.0_B324.xsd file is the schema for the DU Spec. Depending on the XML editor tool, the\nXML file should be placed in the same folder where the MISMO schema file is saved.\n\nAn XML editor will first need to identify a root element to create the XML file. MESSAGE should be\nchosen at the root as this denotes the parent container and common ancestor to all containers within the\nXML file for the DU Spec. Refer to Figure 4 for creating a root element.\n"}
diff --git a/chunks/json/6b17b95ca923e7031307db0fd0c83af1c01f5a8e819641566ee53881e7238e49.json b/chunks/json/6b17b95ca923e7031307db0fd0c83af1c01f5a8e819641566ee53881e7238e49.json
new file mode 100644
index 0000000000000000000000000000000000000000..4af148deeefd6455f304036cf3aceee34aad15de
--- /dev/null
+++ b/chunks/json/6b17b95ca923e7031307db0fd0c83af1c01f5a8e819641566ee53881e7238e49.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":137993,"char_start":136388,"chunk_id":"chk_66ea750624590273","chunk_index":61,"chunk_sha256":"6b17b95ca923e7031307db0fd0c83af1c01f5a8e819641566ee53881e7238e49","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"6b17b95ca923e7031307db0fd0c83af1c01f5a8e819641566ee53881e7238e49","token_estimate":402,"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\n\nMISMO v3.3.0 Value\n\nNotes\n\nTable 40. Loan Identifiers\n\nGSE (Loan ID #)\n\n…/LOAN_IDENTIFIER LoanIdentifier\n\n10Bx939c5543TqA11\n44M999143X38\n\nLoanIdentifierType Other\n\nLoanIdentifierTypeOt\nherDescription\n\nUniversalLoan\n\n▪ 3 data points\nMUST be used\ntogether\n\n▪ “UniversalLoanIde\nntifier” is not a\nvalid enum for\nLoanIdentifierType\nin MISMO v3.3\n\n▪ Not shown –\n\nCross-UMDP loan\nID\n\n▪ Provide if available\n\nEnd of LOAN_IDENTIFIER Instances\n\nFirst Instance of AUTOMATED_UNDERWRITING\n\nGSE (Loan ID #)\n\n…/LOAN/UNDERWRI\nTING/AUTOMATED_\nUNDERWRITINGS/AU\nTOMATED_UNDERW\nRITING\n\nAutomatedUnderwrit\ningCaseIdentifier\n\n9876543210\n\nAutomatedUnderwrit\ningSystemType\n\nDesktopUnderwriter\n\n▪ Not shown - Cross-\nUMDP loan ID\n▪ Provide if available\n\nSecond Instance of AUTOMATED_UNDERWRITING\n\nGSE (Loan ID #)\n\n…/AUTOMATED_UN\nDERWRITING\n\nAutomatedUnderwrit\ningCaseIdentifier\n\n654321\n\nAutomatedUnderwrit\ningSystemType\n\nOther\n\nAutomatedUnderwrit\ningSystemTypeOther\nDescription\n\nLoanProductAdvisor\n\nEnd AUTOMATED_UNDERWRITING Instances\n\nUID\n0.044\n\nGSE (Loan ID #)\n\n…/UNDERWRITING/U\nNDERWRITING_DETA\nIL\n\nLoanManualUnderwr\nitingIndicator\n\nfalse\n\n▪ Not shown - Cross-\nUMDP loan ID\n▪ Provide if available\n\n▪ Not shown - Cross-\nUMDP loan ID\n▪ Provide for all\n\nloans\n\nUID\n0.060\n\nUID\n0.061\n\nUID\n0.062\n\nUID\n0.042\n\nUID\n0.039\n\nUID\n0.042\n\nUID\n0.039\n\nUID\n0.040\n\nMAPPI NG GUI DANCE\n\n1. LOAN_IDENTIFIER repeats as many times as necessary to provide required loan identifiers.\n\n2. See V. Consolidated Mapping Guidance entries for Identifiers and Repeatable Containers.\n"}
diff --git a/chunks/json/6b227f8617ca5dff5253a57834228bd59d93b0269481f9293523996a892904c3.json b/chunks/json/6b227f8617ca5dff5253a57834228bd59d93b0269481f9293523996a892904c3.json
new file mode 100644
index 0000000000000000000000000000000000000000..1464df6a09df8cbe500e81acfb41b6b5c52d1aa1
--- /dev/null
+++ b/chunks/json/6b227f8617ca5dff5253a57834228bd59d93b0269481f9293523996a892904c3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":25023,"char_start":16922,"chunk_id":"chk_4ee42d60a666a86d","chunk_index":8,"chunk_sha256":"6b227f8617ca5dff5253a57834228bd59d93b0269481f9293523996a892904c3","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_fe9c7f9e0406216b","text_sha256":"6b227f8617ca5dff5253a57834228bd59d93b0269481f9293523996a892904c3","token_estimate":1000,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/LIBOR_Transition___FHFA_cx711r.md","exceeds_max_chunk_chars_truncated"]},"text":"- ARRC News Release: [ARRC Releases Final Reflections and Announces its Conclusion Following a Successful Transition](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2023/ARRC-Press-Release-Closing-Report.pdf) (11/30/2023)\n- On May 16, 2023, [Fannie Mae](https://capitalmarkets.fanniemae.com/mortgage-backed-securities/fannie-mae-legacy-libor-indexed-cusips-uploaded-dtcc-lens) and [Freddie Mac](https://freddiemac.gcs-web.com/news-releases/news-release-details/freddie-mac-posts-libor-indexed-securities-fallback-rate?_ga=2.33465598.1968698009.1684268581-851697357.1618332389) announced that they posted fallback information on their LIBOR-indexed securities to the Depository Trust & Clearing Corporation’s (DTCC) Legal Notice System (LENS), in addition to the fallback information provided on their respective Reference Rate Transition websites.\n- ARRC News Release: [ARRC Formally Recommends Term SOFR](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2021/ARRC_Press_Release_Term_SOFR.pdf) (7/29/2021)\n- ARRC News Release: [Update on Upcoming Formal Recommendation of Term SOFR](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2021/ARRC_Press_Release_Convention_Switch_Update.pdf) (7/26/2021)\n- ARRC News Release: [ARRC Endorses MRAC Recommendations for September 21 \"RFR First\" Move of Interdealer Cross-Currency Swap Market Trading Convention](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2021/ARRC_Press_Release_Endorsement_of_MRAC.pdf) (7/21/2021)\n- ARRC News Release: [ARRC Recommends Loan Conventions and Best Practices for Use of Forward-Looking SOFR Term Rate](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2021/ARRC_Press_Release_Term_Rate_Scope_and_Conventions.pdf) (7/21/2021)\n- ARRC News Release: [ARRC Commends the CFTC Market Risk Advisory Committee's Formal Adoption of a Recommendation on Transitioning Interdealer Derivatives Market Trading Conventions to SOFR](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2021/ARRC_Press_Release_Supporting_MRAC_SOFR.pdf) (7/13/2021)​\n- ARRC News Release: [ARRC Welcomes FHFA Supervisory Letter on Transition Away from LIBOR](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2021/20210701-arrc-press-release-fhfa-supervisory-letter) (7/1/2021)\n- ARRC News Release: [ARRC Endorses Decision to Sign New York State LIBOR Legislation into Law](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2021/20210407-arrc-press-release-nys-legislation) (4/7/2021)\n- ARRC News Release: [ARRC Announces Refinitiv as Publisher of its Spread Adjustment Rates for Cash Products](https://www.newyorkfed.org/medialibrary/Microsites/arrc/files/2021/20210317-press-release-Spread-Adjustment-Vendor-Refinitiv.pdf) (3/17/2021)\n- Financial Conduct Authority (FCA) Release: [FCA announcement on future cessation and loss of representativeness of the LIBOR benchmarks](https://www.fca.org.uk/publication/documents/future-cessation-loss-representativeness-libor-benchmarks.pdf) (3/5/2021)\n- Bloomberg Release: [Spread Fixing Event for LIBOR](https://assets.bbhub.io/professional/sites/10/IBOR-Fallbacks-LIBOR-Cessation_Announcement_20210305.pdf) (3/5/2021)\n- ​​​Fannie Mae News Release: [Fannie Mae Advances Market Readiness For New Index Rate​](https://www.fanniemae.com/newsroom/fannie-mae-news/fannie-mae-advances-market-readiness-new-index-rate) (12/17/2020)\n- Freddie Mac News Release: [Freddie Mac Clears Path for New Index Rate​](http://freddiemac.gcs-web.com/news-releases/news-release-details/freddie-mac-clears-path-new-index-rate?_ga=2.237851904.147424302.1608224793-348603369.1608224793) (12/17/2020)\n- Fannie Mae News Release: [Fannie Mae Issues Inaugural Multifamily and Single-Family SOFR ARM MBS​](https://capitalmarkets.fanniemae.com/mortgage-backed-securities/fannie-mae-issues-inaugural-multifamily-and-single-family-sofr-arm-mbs) (10/30/2020)\n- ​Freddie Mac News Release: [​Freddie Mac Completes First Single-Family Credit Risk Transfe\n"}
diff --git a/chunks/json/6b4427f884af7416c0f87a129761f885e0b6dadad6272f0c387294bf1116c443.json b/chunks/json/6b4427f884af7416c0f87a129761f885e0b6dadad6272f0c387294bf1116c443.json
new file mode 100644
index 0000000000000000000000000000000000000000..60abce828999908a6fba91a18793e9f685e99966
--- /dev/null
+++ b/chunks/json/6b4427f884af7416c0f87a129761f885e0b6dadad6272f0c387294bf1116c443.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":743944,"char_start":741833,"chunk_id":"chk_fbefeb27975933ed","chunk_index":443,"chunk_sha256":"6b4427f884af7416c0f87a129761f885e0b6dadad6272f0c387294bf1116c443","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"6b4427f884af7416c0f87a129761f885e0b6dadad6272f0c387294bf1116c443","token_estimate":528,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Definition / Additional Guidance\n\nPhotos or images relevant to the Reconciliation section may be provided,\nincluding images supporting the Alternate Opinion of Value, which display in\nReconciliation Exhibits. If the photo or image is not specifically indicated, a\ncaption must be provided to further identify the photo or image.\n\nAppendix F-1: URAR Reference Guide\n\nPage 334 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n27 Revision History\n\n27 Revision History\n\nThe Revision History section can be used to summarize material revisions after the appraisal was originally sent\nto the client to help identify what revisions and corrections were made.\n\nNotes:\n\n• A Borrower-Initiated Reconsideration of Value (ROV) must be documented in this section.\n• This is not for tracking draft versions as the appraiser is writing the report.\n\nExamples\n\nExample 1: Revision History Section without ROV\n\nExample 2: Revision History Section with ROV\n\nAppendix F-1: URAR Reference Guide\n\nPage 335 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n27 Revision History\n\nRevision History Table\n\nThe Revision History Table displays when there are revisions to the report documented by the appraiser,\nincluding revisions caused by Borrower-Initiated ROVs.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n27.000 Revision Date\n\nIf applicable\n\nmm/dd/yyyy\n\nRevision History\n\nDefinition / Additional Guidance\n\n27.001 URAR Section\n\nIf applicable\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\n27.002 Description\n\nIf applicable\n\nFree-form\n\nAssignment Information\nCertifications\nCost Approach\nDisaster Mitigation\nDwelling Exterior\nEnergy Efficient and Green Features\nFunctional Obsolescence\nHeader and Footer\nHighest and Best Use\nIncome Approach\nManufactured Home\nMarket\nOutbuilding\nOverall Quality and Condition\nPrior Sale and Transfer History\nProject Information\nReconciliation\nRental Information\nSales Comparison Approach\nSales Contract\nSite\nSketch\nSubject Listing Information\nSubject Property\nSubject Property Amenities\nSupplemental Information\nUnit Interior\nVehicle Storage\n"}
diff --git a/chunks/json/6b50f9ec9ebd2a593f078c690493c63c4e9b67431df947cf287f57ad72c54bf1.json b/chunks/json/6b50f9ec9ebd2a593f078c690493c63c4e9b67431df947cf287f57ad72c54bf1.json
new file mode 100644
index 0000000000000000000000000000000000000000..41958c24a15e3781a7c10ac546e54b9bbdccfa79
--- /dev/null
+++ b/chunks/json/6b50f9ec9ebd2a593f078c690493c63c4e9b67431df947cf287f57ad72c54bf1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3512,"char_start":1906,"chunk_id":"chk_52a2cf4dbb189394","chunk_index":1,"chunk_sha256":"6b50f9ec9ebd2a593f078c690493c63c4e9b67431df947cf287f57ad72c54bf1","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_9ac00110bb723006","text_sha256":"6b50f9ec9ebd2a593f078c690493c63c4e9b67431df947cf287f57ad72c54bf1","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-release-jan-24-2026.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\nhttp://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/FHA_info_mess\nages\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\n© 2026 Fannie Mae.\n\n1.7.26\n\n1 of 2\n\nDocument Name and\nDescription\n\nURL\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\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 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"}
diff --git a/chunks/json/6b619eed6f3220514c5a013cf58637ea0cebd918c23006c2be8b7732ee2a955e.json b/chunks/json/6b619eed6f3220514c5a013cf58637ea0cebd918c23006c2be8b7732ee2a955e.json
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index 0000000000000000000000000000000000000000..7fd8752ed4f0c920725f34adcb3e7020eaaf7288
--- /dev/null
+++ b/chunks/json/6b619eed6f3220514c5a013cf58637ea0cebd918c23006c2be8b7732ee2a955e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":170130,"char_start":168529,"chunk_id":"chk_3e98e96aff86f427","chunk_index":99,"chunk_sha256":"6b619eed6f3220514c5a013cf58637ea0cebd918c23006c2be8b7732ee2a955e","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"6b619eed6f3220514c5a013cf58637ea0cebd918c23006c2be8b7732ee2a955e","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/KITCHEN_EQUIPMENT[@_Type='\nRefrigerator']/@_ExistsIndicator\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/KITCHEN_EQUIPMENT[@_Type='\nRangeOven']/@_ExistsIndicator\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/KITCHEN_EQUIPMENT[@_Type='\nDishwasher']/@_ExistsIndicator\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/KITCHEN_EQUIPMENT[@_Type='\nDisposal']/@_ExistsIndicator\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/KITCHEN_EQUIPMENT[@_Type='\nMicrowave']/@_ExistsIndicator\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/KITCHEN_EQUIPMENT[@_Type='\nWasherDryer']/@_ExistsIndicator\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/KITCHEN_EQUIPMENT[@_Type='\nOther']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/KITCHEN_EQUIPMENT[@_Type='\nOther']/@_TypeOtherDescription\n\n8\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\nEnumerated\n\nBoolean\n\nA value of 'Y' indicates there is a refrigerator. A value of 'N' indicates the box\nwas not checked.\n\nBoolean\n\nA value of 'Y' indicates there is a range/oven. A value of 'N' indicates the box\nwas not checked.\n\nBoolean\n\nA value of 'Y' indicates there is a dishwasher. A value of 'N' indicates the box\nwas not checked.\n\nBoolean\n\nA value of 'Y' indicates there is a disposal. A value of 'N' indicates the box\nwas not checked.\n\nBoolean\n\nA value of 'Y' indicates there is a microwave. A value of 'N' indicates the box\nwas not checked.\n\nBoolean\n\nA value of 'Y' indicates there is a washer/dryer. A value of 'N' indicates the\nbox was not checked.\n\nBoolean\n\nA value of 'Y' indicates there is an other appliance. A value of 'N' indicates the\nbox was not checked.\n\n214\n\nIMPROVEMENTS\n\n215\n"}
diff --git a/chunks/json/6b6252c20c853236344beb803c852748bf9c9fa015daeb74badac0f1d3f68018.json b/chunks/json/6b6252c20c853236344beb803c852748bf9c9fa015daeb74badac0f1d3f68018.json
new file mode 100644
index 0000000000000000000000000000000000000000..331d72c838702d32aab85ba205702afcb74e6086
--- /dev/null
+++ b/chunks/json/6b6252c20c853236344beb803c852748bf9c9fa015daeb74badac0f1d3f68018.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":443276,"char_start":441620,"chunk_id":"chk_f1ecc91d8b0b8a87","chunk_index":247,"chunk_sha256":"6b6252c20c853236344beb803c852748bf9c9fa015daeb74badac0f1d3f68018","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"6b6252c20c853236344beb803c852748bf9c9fa015daeb74badac0f1d3f68018","token_estimate":414,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Note: Lenders may not transfer servicing on HomeStyle Refresh loans during the renovation period.\n\nAppraisal Requirements\n\nAll HomeStyle Refresh loans require an appraisal based on an interior and exterior property inspection and must be\ncompleted on the appropriate form depending on the property type. When the loan is being delivered prior to the completion\nof the improvements, appraisers must determine the “as completed” value of the property subject to the improvements\nbeing completed.\n\nFollowing completion of the renovation work, the lender must obtain a certification of completion stating the renovation was\ncompleted in accordance with the submitted plans and specifications. The certification must be documented on the Appraisal\nUpdate and/or Completion Report (Form 1004D). The 1004D must confirm all “subject to” items listed on the appraisal were\ncompleted. If deviations have been made to the initial plans, the appraiser must note any impact to the appraised value. A\ncopy of the Completion Report must be submitted through Loan Quality Connect to confirm completion.\n\nTitle and Insurance Updates\n\nThe lender must obtain a title update with the renovation completion date before issuing the final funds to ensure that Fannie\nMae’s first lien priority remains in place and confirms that no mechanic's or materialmen’s liens exist.\n\nWhen the property is located in a state in which contractors’, subcontractors’, or materialmen’s liens have priority over\nmortgage liens, the lender must obtain all necessary lien releases or take any other action that may be required to ensure title\nto the property is clear of all liens and encumbrances.\n"}
diff --git a/chunks/json/6b7e66c970c4cb3b789553ed9f35aa16e6d3cf5e74b4e9719d05e75fedeae1a6.json b/chunks/json/6b7e66c970c4cb3b789553ed9f35aa16e6d3cf5e74b4e9719d05e75fedeae1a6.json
new file mode 100644
index 0000000000000000000000000000000000000000..d34e90727a53524fda267279aad5c8e079f55e83
--- /dev/null
+++ b/chunks/json/6b7e66c970c4cb3b789553ed9f35aa16e6d3cf5e74b4e9719d05e75fedeae1a6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":18844,"char_start":17227,"chunk_id":"chk_0e614d2be3890ab7","chunk_index":10,"chunk_sha256":"6b7e66c970c4cb3b789553ed9f35aa16e6d3cf5e74b4e9719d05e75fedeae1a6","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8d14ca1837b76af4","text_sha256":"6b7e66c970c4cb3b789553ed9f35aa16e6d3cf5e74b4e9719d05e75fedeae1a6","token_estimate":404,"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":"Add 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\nProject Factors Commentary Additional commentary can be added here, if needed by Appraiser.\n\nProject Information Commentary\n\nThe original use for the subject’s project was apartment rental units, up until the cooperative conversion. Additionally, the project offers office\nspace for use on the property. This office space is located within the project and has no impact to value/marketability.\n\nAppraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 11 of 18\nPage 11 of 18\n\nProject Information (continued)\n\nProject Information Exhibits\n\nCommon Amenity or Service – Inground Pool\n\nCommon Amenity or Service – Theater\n\nSubject Listing Information\n\nCurrent and/or relevant listings of the subject property (minimum 1 year look back)\n\nListing Status\nPending\n"}
diff --git a/chunks/json/6ba6ceffbcc42af42d96b64e70f614e4813c6d862aa58e2ea25d44236afa2897.json b/chunks/json/6ba6ceffbcc42af42d96b64e70f614e4813c6d862aa58e2ea25d44236afa2897.json
new file mode 100644
index 0000000000000000000000000000000000000000..1a9d42e8e7c2392ca3168972630ca4a190306254
--- /dev/null
+++ b/chunks/json/6ba6ceffbcc42af42d96b64e70f614e4813c6d862aa58e2ea25d44236afa2897.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":5919,"char_start":4205,"chunk_id":"chk_f3b30c728ed99206","chunk_index":2,"chunk_sha256":"6ba6ceffbcc42af42d96b64e70f614e4813c6d862aa58e2ea25d44236afa2897","date_utc":"2026-01-27T17:46:37+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d388f9df645bf8c0","text_sha256":"6ba6ceffbcc42af42d96b64e70f614e4813c6d862aa58e2ea25d44236afa2897","token_estimate":426,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae5/_.md/Uniform_Appraisal_Dataset___Fannie_Mae5.md"]},"text":"[**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide)\n\nThis zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted.\n\n[**Appendix F-1: URAR Reference Guide**](/media/document/zip/appendix-f-1-urar-reference-guide)\n\nThis zip file contains the URAR Reference Guide and its supplement. The Reference Guide provides guidance on how to enter information and how the data will be displayed in the URAR. The supplement summarizes information about the Comparable Grids.\n\n[**Appendix G-1: Redesign to Legacy UAD Cross Reference Guide**](/media/document/xlsx/appendix-g-1-redesign-legacy-uad-cross-reference-guide)\n\nThis document contains the data points, enumerations, and xPaths of the redesigned UAD mapped to existing data elements in the Legacy UAD dataset.\n\n[**Appendix H-1: UAD Compliance Rules-URAR**](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar)\n\nThis document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Delivery Specification. These rules verify data completeness, validity (format and data type), and reasonableness.\n\n[**Appendix A-2: Restricted Appraisal Update Report Delivery Specification**](/media/document/xlsx/appendix-2-restricted-appraisal-update-report-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"}
diff --git a/chunks/json/6bacae893b1be31f035016643b0bf62fa7667b8ff9789707c2ab91be051e3841.json b/chunks/json/6bacae893b1be31f035016643b0bf62fa7667b8ff9789707c2ab91be051e3841.json
new file mode 100644
index 0000000000000000000000000000000000000000..4e2cf5cc11de34c75a9b7ca4f414f00f6d85b577
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+++ b/chunks/json/6bacae893b1be31f035016643b0bf62fa7667b8ff9789707c2ab91be051e3841.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8049,"char_start":6448,"chunk_id":"chk_5f36ae7876ed9adb","chunk_index":4,"chunk_sha256":"6bacae893b1be31f035016643b0bf62fa7667b8ff9789707c2ab91be051e3841","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_bb6c30042af83c9d","text_sha256":"6bacae893b1be31f035016643b0bf62fa7667b8ff9789707c2ab91be051e3841","token_estimate":401,"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":"image/png\n\nEnergyEfficientAndGreenFeaturesExhibit\n\n\\\\Images\\SF4_DOE.png\n\nimage/png\n\nSiteInfluence\n\n\\\\Images\\SF4_ResidentialView.png\n\nimage/png\n\nDwellingRear\n\n\\\\Images\\SF4_DwellingRear.png\n\nimage/png\n\nDwellingExteriorExhibit\n\n\\\\Images\\SF4_DwellingSide.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\n25.165173\n\n-51.328125\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 leasehold, a Lot Size between 7,500 and 21,780 square feet, 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.\n\n15\n\n875000\n\n599900\n\n95\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\nUnreal Farms\n\nUnreal Farm S.1 PCL.300201121002432 F-895-4 BLA 3573702301420 Use agreement 71\n\n14000\n\nLandWithDwelling\n\nAssessorUnformattedIdentifier\n\nF-895-4\n\n640\n\nWood\n\nDeck\n\nDeck 1 and Deck 2\n\n\\\\Images\\SF4_Deck.png\n\nimage/png\n\n160\n\nWood\n\nDeck\n\nDeck 1 and Deck 2\n\n\\\\Images\\SF4_Deck.png\n\nimage/png\n\n240\n\nConcrete\n\nPatio\n\n\\\\Images\\SF4_Patio.png\n\nimage/png\n\n300\n\nConcrete\n\nPorch\n\n\\\\Images\\SF4_Porch.png\n\nimage/png\n\nOutdoorLiving\n\nConcrete\n\nIngroundPool\n\n\\\\Images\\SF4_Pool.png\n\nimage/png\n\nOther\n\nDiving Board\n\nWaterFeatures\n\n1\n\nIndoorFireplace\n\n\\\\Images\\SF4_Fireplace.png\n\nimage/png\n\n1\n\nWoodStove\n\n\\\\Images\\SF4_WoodStove.png\n\nimage/png\n"}
diff --git a/chunks/json/6bbd5bfb37223bb837dd84894483ee46c202f133d35a7a7520111728b0d025b1.json b/chunks/json/6bbd5bfb37223bb837dd84894483ee46c202f133d35a7a7520111728b0d025b1.json
new file mode 100644
index 0000000000000000000000000000000000000000..8ab6d75abca21a7a74c75a8869e2cda73917d384
--- /dev/null
+++ b/chunks/json/6bbd5bfb37223bb837dd84894483ee46c202f133d35a7a7520111728b0d025b1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":81600,"char_start":79896,"chunk_id":"chk_29eb0101b330b407","chunk_index":80,"chunk_sha256":"6bbd5bfb37223bb837dd84894483ee46c202f133d35a7a7520111728b0d025b1","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"6bbd5bfb37223bb837dd84894483ee46c202f133d35a7a7520111728b0d025b1","token_estimate":426,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"29.019\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\nCertifications\n\nAppraiser Certifications\n\n29.020\n\nThe Appraiser certifies and agrees that:\n\n29.021\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\n29.022\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\n29.023\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\n29.024\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\n29.025\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/6bcb6c19eafd280c28c769de81b0ddba46d83b7a9fc6581a399bba26bb8a8492.json b/chunks/json/6bcb6c19eafd280c28c769de81b0ddba46d83b7a9fc6581a399bba26bb8a8492.json
new file mode 100644
index 0000000000000000000000000000000000000000..f20886fb6428c5d3992e5f013ac43c9aae34be60
--- /dev/null
+++ b/chunks/json/6bcb6c19eafd280c28c769de81b0ddba46d83b7a9fc6581a399bba26bb8a8492.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":360181,"char_start":358582,"chunk_id":"chk_f83ac1e6fa96c339","chunk_index":210,"chunk_sha256":"6bcb6c19eafd280c28c769de81b0ddba46d83b7a9fc6581a399bba26bb8a8492","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"6bcb6c19eafd280c28c769de81b0ddba46d83b7a9fc6581a399bba26bb8a8492","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PARTIES/SUPER\nVISOR/APPRAISER_LICENSE[@_Type='Cert\nificate']/@_Identifier\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nor State License #\n\nAppraiser License\nIdentifier\n\nState license number of the appraiser\nwho completed the final estimate of\nvalue for the subject property.\n\n/VALUATION_RESPONSE/PARTIES/SUPER\nVISOR/APPRAISER_LICENSE[@_Type='Lice\nnse']/@_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/SUPER\nVISOR/APPRAISER_LICENSE/@_State\n\n50\n\n25\n\n2\n\nString\n\nUAD Requirement – Refer to Appendix D Appraiser Certification\nSection\n\nString\n\nUAD Requirement – Refer to Appendix D Appraiser Certification\nSection\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\nSection\n\n510\n\n6\n\n37\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nExpiration Date of\nCertification or License\n\nAppraiser License\nExpiration Date\n\nThe expiration date of the appraiser's\nlicense.\n\n/VALUATION_RESPONSE/PARTIES/SUPER\nVISOR/APPRAISER_LICENSE/@_Expiration\nDate\n\n10\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\n511\n\n512\n\n6\n\n6\n\n38\n\n39\n\nAPPRAISER\nCERTIFICATION\n\nDid not inspect subject\nproperty\n\nAppraisal Inspection\nType\n\nSpecifies the extent of the property\ninspection.\n\nAPPRAISER\nCERTIFICATION\n\nDid inspect exterior of\nsubject property from\nstreet\n\nAppraisal Inspection\nType\n\nSpecifies the extent of the property\ninspection.\n"}
diff --git a/chunks/json/6bdac525da9fd946eb5fc51f59c110b74e260d633f447841ac3af256b0ff2f47.json b/chunks/json/6bdac525da9fd946eb5fc51f59c110b74e260d633f447841ac3af256b0ff2f47.json
new file mode 100644
index 0000000000000000000000000000000000000000..5235e18283a5fa92c12ba0b5302056c1bccebde8
--- /dev/null
+++ b/chunks/json/6bdac525da9fd946eb5fc51f59c110b74e260d633f447841ac3af256b0ff2f47.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":630571,"char_start":628959,"chunk_id":"chk_d08641737a02ee3a","chunk_index":372,"chunk_sha256":"6bdac525da9fd946eb5fc51f59c110b74e260d633f447841ac3af256b0ff2f47","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"6bdac525da9fd946eb5fc51f59c110b74e260d633f447841ac3af256b0ff2f47","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"The sum of this field 3-91 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, 3-93, 3-95, 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\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 118 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\n432\n\n3\n\n92\n\nSALES\nCOMPARISON\nAPPROACH\n\nAbove Grade Room Count\nGross Living Area Sq.Ft.\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=‘GrossLivingArea’]/@_Description\n\n6\n\nString\n\n433\n\n3\n\n93\n\nSALES\nCOMPARISON\nAPPROACH\n\nAbove Grade Room Count\nGross Living Area Sq.Ft.\nAdjustment\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=‘GrossLivingArea’]/@_Amount\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n"}
diff --git a/chunks/json/6be1c8a5193488a87a6cd84fb45cb2959e948e2b90d677ee6a2f368fa4c3b187.json b/chunks/json/6be1c8a5193488a87a6cd84fb45cb2959e948e2b90d677ee6a2f368fa4c3b187.json
new file mode 100644
index 0000000000000000000000000000000000000000..b3889e28e24f2fedd06595b94088da04a7146bdb
--- /dev/null
+++ b/chunks/json/6be1c8a5193488a87a6cd84fb45cb2959e948e2b90d677ee6a2f368fa4c3b187.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":993814,"char_start":992132,"chunk_id":"chk_854708344450ea85","chunk_index":592,"chunk_sha256":"6be1c8a5193488a87a6cd84fb45cb2959e948e2b90d677ee6a2f368fa4c3b187","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"6be1c8a5193488a87a6cd84fb45cb2959e948e2b90d677ee6a2f368fa4c3b187","token_estimate":421,"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· 5-digit ZIP Code or ZIP+4 Code (with or without the dash)\nThis data is referenced more than once on the form (fields 1-9, 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 Reconciliation Section\n\nMoney\n\nPDF Display Format:\nNumeric, whole numbers only.\n\nNote: This data is referenced more than once on the form (field 3-132) and must be\nrepresented consistently.\n\nUAD Requirement - Refer to Appendix D Appraiser Certification Section\nThis field must contain either the name of the management company involved or the\ntext 'No AMC'.\n\nThis field contains the lender/client company name. This data is referenced more than\nonce on the form (refer to field 1-37) and must be represented consistently, to the\nextent the available space permits. The printed version of this field must appear\ncompletely in at least one location on the form, but may be truncated in the other\nlocation\n\nThis address information is treated differently from other address fields on the appraisal\nform in order to accomodate lender requirements.\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nThis is a free text field which should contain the supervisory appraiser's company name.\n\nShould conform to USPS (Pub 28). The following address element should be included\nin this field:\n• Street number\n• Street name (including applicable pre-directional indicator, suffix, and/or post-\ndirectional indicator)\n• Address unit designator and number (if applicable)\n"}
diff --git a/chunks/json/6be38cb4b8f33b59c48ce79e86e5efee95710f18c667aaa41ec6a271513160be.json b/chunks/json/6be38cb4b8f33b59c48ce79e86e5efee95710f18c667aaa41ec6a271513160be.json
new file mode 100644
index 0000000000000000000000000000000000000000..d5293a6f080a6c39580cd4f22b22b8a5b1223e88
--- /dev/null
+++ b/chunks/json/6be38cb4b8f33b59c48ce79e86e5efee95710f18c667aaa41ec6a271513160be.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13828,"char_start":12434,"chunk_id":"chk_542be46e340698ac","chunk_index":7,"chunk_sha256":"6be38cb4b8f33b59c48ce79e86e5efee95710f18c667aaa41ec6a271513160be","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f79354cddab6ed07","text_sha256":"6be38cb4b8f33b59c48ce79e86e5efee95710f18c667aaa41ec6a271513160be","token_estimate":470,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Duty_to_Serve_Eligibility_Data___FHFA_49jfir.md"]},"text":"## Rural Areas and High Needs Rural Regions Data\n\n---\n\n**Year** **Format** **Dictionary** **Map(s)** **DTS Plan Cycle​** 2025 [[ZIP]](/document/dts_rural_2025.zip) [[PDF]](/document/dts_rural_readme_2025.pdf) [[PDF High-needs Rural Regions Map]](/document/dts_county_map_2025.pdf)\n\n[[TABLEAU High-needs Rural Regions Map]](/data/dashboard/dts/high-needs-counties-map/2025) 2025-2027 (applies to plan years 2026 and 2027)\n(2020 Census Tracts)\n**Effective January 1, 2026** ​2023* ​[​[ZIP]](/sites/default/files/2023-10/rural2023.zip) [[P​DF]](/sites/default/files/2023-10/DTS_Rural_README_2023.pdf)​ [[TABLEAU All Rural Tracts Map](/data/dashboard/dts/all-rural-tracts-map/2023)]\n\n[[TAB​LEAU High-needs Rural Regions Map]](/data/dashboard/dts/high-needs-counties-map/2023)​\n\n[​[PDF High-needs Rural Regions Map]](/sites/default/files/2023-10/dts_county_map_2023.pdf) 2022-2024 and 2025\n(2020 Census Tracts)\n**Effective July 1, 2023**​ ​2022 [​[ZIP]](/sites/default/files/2023-10/rural2022.zip) [​[PDF]](/sites/default/files/2023-03/rural_readme_2022.pdf) [​[PDF]](/sites/default/files/2023-10/dts_county_map_2022.pdf)\n\n[[TABLEAU]](/data/dashboard/dts/high-needs-counties-map/2022) 2022-2024\n(2020 Census Tracts)​ ​2021 [​[ZIP]](/sites/default/files/2023-10/rural2021.zip) [​[PDF]](/sites/default/files/2023-10/Rural_README_2021.pdf) [​[PDF]](/sites/default/files/2023-10/dts_county_map_2021.pdf)\n"}
diff --git a/chunks/json/6be8f29281a865872e4f2952af7f4a615427ad3ae602a05c09465356b671acf9.json b/chunks/json/6be8f29281a865872e4f2952af7f4a615427ad3ae602a05c09465356b671acf9.json
new file mode 100644
index 0000000000000000000000000000000000000000..5b599d455411628aeab033e30172473b07d163e0
--- /dev/null
+++ b/chunks/json/6be8f29281a865872e4f2952af7f4a615427ad3ae602a05c09465356b671acf9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3844,"char_start":2132,"chunk_id":"chk_db855fd313f73176","chunk_index":1,"chunk_sha256":"6be8f29281a865872e4f2952af7f4a615427ad3ae602a05c09465356b671acf9","date_utc":"2026-01-27T18:02:36+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bf267ec450438488","text_sha256":"6be8f29281a865872e4f2952af7f4a615427ad3ae602a05c09465356b671acf9","token_estimate":428,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-september-release-notes-sept-20-2024.pdf"]},"text":"When the most recent expected deposit is present for a borrower’s employer, DU will provide updated messaging to extend the\nclose-by date for employment an additional 15-days or up to the next expected deposit date for a borrower (whichever is greater\nas noted above). Employment that is validated by DU using both the original asset verification report and the supplemental\ndeposit-based asset verification report will receive relief from enforcement of related representations and warranties if the loan\ncloses by the date specified in the DU messages and all other conditions of the DU validation service are met.\n\nExpanded Eligibility for Income and Employment Validation Messaging\n\nAs of this release, more loans will be eligible for income and employment validation using an asset verification report. Effective\nwith this release:\n\n• All loan casefiles will be eligible to receive income and employment validation messages irrespective of the\n\n•\n\ndebt-to-income (DTI) ratio. Previously, those with a debt-to-income ratio greater than 45.000% were ineligible.\nLenders can receive validation messages regardless of DU’s underwriting recommendation (only casefiles with\nApprove/Eligible recommendations received these messages prior to this release).\n\n© 2024 Fannie Mae\n\n7.31.24 1 of 2\n\nNote: These changes apply only to income and employment validation using an asset verification report. There are currently no\nDTI or underwriting recommendation constraints on validation using an income and employment verification report.\n\nFor More Information\n\nFor more information about the digital validation that is supported by asset verification reports, visit our website for resources\nand information for lenders.\n"}
diff --git a/chunks/json/6befdd6e9f229ce9bbf01563a77b8ae3ea0349d6e153d24372226d04d07175af.json b/chunks/json/6befdd6e9f229ce9bbf01563a77b8ae3ea0349d6e153d24372226d04d07175af.json
new file mode 100644
index 0000000000000000000000000000000000000000..b502067d044125fe4e21d1c2b0c819ba6377105b
--- /dev/null
+++ b/chunks/json/6befdd6e9f229ce9bbf01563a77b8ae3ea0349d6e153d24372226d04d07175af.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15622,"char_start":11132,"chunk_id":"chk_8d745ff328cc2778","chunk_index":7,"chunk_sha256":"6befdd6e9f229ce9bbf01563a77b8ae3ea0349d6e153d24372226d04d07175af","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_da7dc2023b134aba","text_sha256":"6befdd6e9f229ce9bbf01563a77b8ae3ea0349d6e153d24372226d04d07175af","token_estimate":1000,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Prepayment_Monitoring_Report___U_S__FEDERAL_HOUSIN_i5mnol.md","exceeds_max_chunk_chars_truncated"]},"text":"[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/351&order=field_release_date&sort=asc) Report Attachment December 03, 2025 [Prepayment Monitoring Report Third Quarter 2025](/reports/prepayment-monitoring-report/2025/Q3) [Read Report](/document/Prepayment-Monitoring-Report-2025Q3.pdf) September 26, 2025 [Prepayment Monitoring Report Second Quarter 2025](/reports/prepayment-monitoring-report/2025/Q2) [Read Report](/document/prepayment-monitoring-report_2025q2.pdf) June 11, 2025 [Prepayment Monitoring Report First Quarter 2025](/reports/prepayment-monitoring-report/2025/Q1) [Read Report](/document/prepayment-monitoring-report_2025q1.pdf) February 12, 2025 [Prepayment Monitoring Report Fourth Quarter 2024](/reports/prepayment-monitoring-report/2024/Q4) [Read Report](/document/Prepayment-Monitoring-Report_2024Q4.pdf) November 27, 2024 [Prepayment Monitoring Report Third Quarter 2024](/reports/prepayment-monitoring-report/2024/Q3) [Read Report](/document/prepayment-monitoring-report-2024-q3) August 28, 2024 [Prepayment Monitoring Report Second Quarter 2024](/reports/prepayment-monitoring-report/2024/Q2) [Read Report](/document/prepayment-monitoring-report-2024-q2) May 24, 2024 [Prepayment Monitoring Report First Quarter 2024](/reports/prepayment-monitoring-report/2024/Q1) [Read Report](/document/prepayment-monitoring-report-2024-q1) February 26, 2024 [Prepayment Monitoring Report Fourth Quarter 2023](/reports/prepayment-monitoring-report/2023-Q4) [Read Report](/document/prepayment-monitoring-report-fourth-quarter-2023) November 16, 2023 [Prepayment Monitoring Report Third Quarter 2023](/reports/prepayment-monitoring-report/2023-Q3) [Read Report](/media/51451) August 18, 2023 [Prepayment Monitoring Report Second Quarter 2023](/reports/prepayment-monitoring-report/2023-Q2) [Read Report](/media/51986) June 02, 2023 [Prepayment Monitoring Report First Quarter 2023](/reports/prepayment-monitoring-report/2023-Q1) [Read Report](/document/prepayment-monitoring-report-2023-q1) November 30, 2022 [Prepayment Monitoring Report Third Quarter 2022](/reports/prepayment-monitoring-report/2022-Q3) [Read Report](/media/30396) August 23, 2022 [Prepayment Monitoring Report - Second Quarter 2022](/reports/prepayment-monitoring-report/2022-Q2) [Read Report](/document/prepayment-monitoring-report-2q2022) May 12, 2022 [Prepayment Monitoring Report First Quarter 2022](/reports/prepayment-monitoring-report/2022-Q1) [Read Report](/document/prepayment-monitoring-report-1q2022) February 28, 2022 [Prepayment Monitoring Report Fourth Quarter 2021](/reports/prepayment-monitoring-report/2021-Q4) [Read Report](/document/prepayment-monitoring-report-4q2021) November 29, 2021 [Prepayment Monitoring Report Third Quarter 2021](/reports/prepayment-monitoring-report/2021-Q3) [Read Report](/document/prepayment-monitoring-report-3q2021) August 06, 2021 [Prepayment Monitoring Report - Second Quarter 2021](/reports/prepayment-monitoring-report/2021-Q2) [Read Report](/document/prepayment-monitoring-report-2q2021) May 10, 2021 [Prepayment Monitoring Report First Quarter 2021](/reports/prepayment-monitoring-report/2021-Q1) [Read Report](/document/prepayment-monitoring-report-first-quarter-2021) March 02, 2021 [Prepayment Monitoring Report Fourth Quarter 2020](/reports/prepayment-monitoring-report/2020-Q4) [Read Report](/document/prepayment-monitoring-report-fourth-quarter-2020) November 30, 2020 [Prepayment Monitoring Report Third Quarter 2020](/reports/prepayment-monitoring-report/2020-Q3) [Read Report](/document/prepayment-monitoring-report-third-quarter-2020) August 24, 2020 [Prepayment Monitoring Report Second Quarter 2020](/reports/prepayment-monitoring-report/2020-Q2) [Read Report](/document/prepayment-monitoring-2020q2) June 08, 2020 [Prepayment Monitoring Report - First Quarter 2020](/reports/prepayment-monitoring-report/2020-Q1) [Read Report](/document/prepayment-monitoring-report-1q2020) February 12, 2020 [Prepayment Monitoring Rep\n"}
diff --git a/chunks/json/6c1941fe23ed4fb58c59009bd19df5bbf7f1d11c8533bf5eaa9feeaff91cf8dd.json b/chunks/json/6c1941fe23ed4fb58c59009bd19df5bbf7f1d11c8533bf5eaa9feeaff91cf8dd.json
new file mode 100644
index 0000000000000000000000000000000000000000..92f1a7d2a0ddf4500b82af08341cb789d6daa190
--- /dev/null
+++ b/chunks/json/6c1941fe23ed4fb58c59009bd19df5bbf7f1d11c8533bf5eaa9feeaff91cf8dd.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11586,"char_start":9982,"chunk_id":"chk_1daf21db9fe81e30","chunk_index":6,"chunk_sha256":"6c1941fe23ed4fb58c59009bd19df5bbf7f1d11c8533bf5eaa9feeaff91cf8dd","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"6c1941fe23ed4fb58c59009bd19df5bbf7f1d11c8533bf5eaa9feeaff91cf8dd","token_estimate":402,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"Recommended\nAction\n\nTXC-I\n\nTCH\nTB\n\nH1\n\nSite Valuation Methodology\n\nTXR-B\n\nOpinion of Site Value\n\nTXR-B\n\nPrimary Site Valuation Method\n\n#\n\nAddress\n\nCounty\n\nData Source\n\nAssessor Parcel\nNumber (APN)\n\nSite Size\n\nSale Date\n\nPrice\n\nTCH\nTB\n\nTXC-B\n\nReconciliation of Site Value\n\nSite Commentary\n\nH1\nTXC\n\nH1\n\nSite 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\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nHDR-L\n\nTAB\n\nDisaster Mitigation\n\nTXR-B\n\nMitigation Feature\n\nH1\n\nDisaster Mitigation Commentary\n\nTXC\n\nH1\n\nDisaster Mitigation 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\nTAB\n\nEnergy Efficient and Green Features\nEnergy Efficient and Green Features\n\nTXR-B\n\nKnown Renewable Energy Components\nKnown Renewable Energy Components\n\nRenewable Energy Component\nRenewable Energy Component\n\nOwnership\nOwnership\n\nFinancing Arrangement\nFinancing Arrangement\n\nTCH\nTB\n\nTXR-B\n\nKnown Building Certifications\nKnown Building Certifications\n\nBuilding Certification Organization\nBuilding Certification Organization\n\nCertification\nCertification\n\nYear\nYear\n\nVersion\nVersion\n\nRating\nRating\n\nTCH\nTB\n\nTXR-B\n\nKnown Efficiency Ratings\nKnown Efficiency Ratings\n\nGreen/Energy Efficiency Rating\nGreen/Energy Efficiency Rating\nOrganization\nOrganization\n\nRating\nRating\n"}
diff --git a/chunks/json/6c1998c64a1ec05c02d9b76e016a371b6a70e5edc0171018c63ebb7549b97830.json b/chunks/json/6c1998c64a1ec05c02d9b76e016a371b6a70e5edc0171018c63ebb7549b97830.json
new file mode 100644
index 0000000000000000000000000000000000000000..7f1937830d1da9008fb9882d5a62c3b3a8edef42
--- /dev/null
+++ b/chunks/json/6c1998c64a1ec05c02d9b76e016a371b6a70e5edc0171018c63ebb7549b97830.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":697352,"char_start":695661,"chunk_id":"chk_a82c6ca1dbaceb45","chunk_index":415,"chunk_sha256":"6c1998c64a1ec05c02d9b76e016a371b6a70e5edc0171018c63ebb7549b97830","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"6c1998c64a1ec05c02d9b76e016a371b6a70e5edc0171018c63ebb7549b97830","token_estimate":423,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"external depreciation.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nCost Approach – Depreciation (Dwelling)\n\n25.010 Physical\n\nDepreciation\n\nRequired if Total\nDepreciation is not\nprovided\n\nPercent\n\nDwelling Physical Depreciation Percent – Can be 0.\n\nAppendix F-1: URAR Reference Guide\n\nPage 313 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n25 Cost Approach\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n25.011 Physical\n\nDepreciation\n\n25.012\n\nFunctional\nDepreciation\n\n25.013\n\nFunctional\nDepreciation\n\n25.014 External\n\nDepreciation\n\n25.015 External\n\nDepreciation\n\n25.016 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 Physical,\nFunctional and\nExternal Depreciation\nare not provided\n\nCost Approach – Depreciation (Dwelling)\n\nAllowable\nAnswers / Format\n\nDollar amount\n\nDefinition / Additional Guidance\n\nDwelling Physical Depreciation Amount\nCalculated: Dwelling Physical Depreciation Percent x sum of all the Area Type\nCosts for the dwelling.\n\nPercent\n\nDwelling Functional Depreciation Percent – Can be 0.\n\nDollar amount\n\nDwelling Functional Depreciation Amount\nCalculated: Dwelling Functional Depreciation Percent x sum of all the Area Type\nCosts for the dwelling.\n\nPercent\n\nDwelling External Depreciation Percent – Can be 0.\n\nDollar amount\n\nDollar amount\n\nDwelling External Depreciation Amount\nCalculated: Dwelling External Depreciation Percent x sum of all the Area Type\nCosts for the dwelling.\n"}
diff --git a/chunks/json/6c39640da8bff8d10397259e0754a070620514cb1e230ad8d6725ff1f1c71fc7.json b/chunks/json/6c39640da8bff8d10397259e0754a070620514cb1e230ad8d6725ff1f1c71fc7.json
new file mode 100644
index 0000000000000000000000000000000000000000..db16ad903b4895cf606cedce5903bc678e73ee6c
--- /dev/null
+++ b/chunks/json/6c39640da8bff8d10397259e0754a070620514cb1e230ad8d6725ff1f1c71fc7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":196984,"char_start":195187,"chunk_id":"chk_ca4c522a1152ebfa","chunk_index":195,"chunk_sha256":"6c39640da8bff8d10397259e0754a070620514cb1e230ad8d6725ff1f1c71fc7","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"6c39640da8bff8d10397259e0754a070620514cb1e230ad8d6725ff1f1c71fc7","token_estimate":449,"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 135\n\n• Opinion of Site Value – SiteEstimatedValueAmount (UID: 1100.0030, FID: 4.105) always displays when Site Valuation Methodology is\n\nincluded.\n\n• Primary Site Valuation Method – SiteValuationMethodType (UID: 1100.0033, FID: 4.106) always displays when Site Valuation\n\nMethodology is included.\n\n• When Primary Site Valuation Method – SiteValuationMethodType (UID: 1100.0033, FID: 4.106) = “SalesComparison” AND\n\n@ValuationUseType = ”LandComparable”, additional information is needed:\n\no Address or APN must be provided. If both are provided, both should be delivered in the data and displayed on the report.\no Address displays when Assessor Parcel Number (APN) - ParcelIdentifier (UID: 1100.0017, FID: 4.111) is null.\n\n▪ # - PropertyOrdinalNumber (UID: 1100.0015, FID: 4.107)\n▪ Address\n\n• AddressLineText (UID: 1100.0005, FID: 4.108)\n• CityName (UID: 1100.0007, FID: 4.108)\n• PostalCode (UID: 1100.0009, FID: 4.108)\n• StateCode (UID: 1100.0010, FID: 4.108)\n\n▪ County - CountyName (UID: 1100.0008, FID: 4.109)\n\no Assessor Parcel Number (APN) displays when Address - AddressLineText (UID: 1100.0005, FID: 4.108) is null.\n\n▪ Assessor Parcel Number (APN) - ParcelIdentifier (UID: 1100.0017, FID: 4.111)\n\no Data Source –DataSourceIdentifier (UID: 1800.0347, FID: 4.110)\n\no Displays when ((@ValuationUseType = \"SalesComparable\" OR \"GrossRentMultiplierComparable\" OR\n\n\"RentalComparable\" OR \"LandComparable\") AND DataSourceType = \"MLS\") OR\n((@ValuationUseType = \"SalesComparable\" OR \"GrossRentMultiplierComparable\" OR \"RentalComparable\" OR\n\"LandComparable\") AND Exists)\nIdentifier, when provided, displays in the same cell as Data Source\nIf there are multiple data sources, they display in the same cell separated by a “|” (e.g., MLS 123456 | Zoning)\n"}
diff --git a/chunks/json/6c723aede7bbd5912f8611820db2e08b6ed71688aa9c92cf7484811ed404b8c9.json b/chunks/json/6c723aede7bbd5912f8611820db2e08b6ed71688aa9c92cf7484811ed404b8c9.json
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index 0000000000000000000000000000000000000000..287e5756e7e57f64a051185f99caae20ded8dc83
--- /dev/null
+++ b/chunks/json/6c723aede7bbd5912f8611820db2e08b6ed71688aa9c92cf7484811ed404b8c9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":411578,"char_start":409544,"chunk_id":"chk_35a33faae8671c87","chunk_index":229,"chunk_sha256":"6c723aede7bbd5912f8611820db2e08b6ed71688aa9c92cf7484811ed404b8c9","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"6c723aede7bbd5912f8611820db2e08b6ed71688aa9c92cf7484811ed404b8c9","token_estimate":509,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"As examples, lenders may structure the construction loan period as follows:\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 167 of 166\n\nUAD 3.6 Policy\n\nthree 6–month periods,\n\n•\n• one 12–month period and one 6–month period, or\n•\n\nsix 3–month periods.\n\nExceptions to the 12-month and 18-month periods will not be granted. The above construction period requirements do not apply\nto two-closing construction-to-permanent transactions. If the construction loan period exceeds the requirements above, the\nlender must process the loan as a two-closing construction-to-permanent transaction in order for the loan to be eligible for sale\nto Fannie Mae (see Selling Guide B5-3.1-03, Conversion of Construction-to-Permanent Financing: Two-Closing Transactions).\n\nEligible Loan Purposes for Single-Closing Construction-to-Permanent Mortgages\n\nA single-closing construction-to-permanent mortgage loan may be closed as:\n\n•\n•\n\na purchase transaction, or\na limited cash-out refinance transaction.\n\nWhen a purchase transaction is used, the borrower is not the owner of the lot at the time of the first advance of interim\nconstruction financing, and the borrower is using the proceeds from the interim construction financing to purchase the lot and\nfinance the construction of the property.\n\nWhen a limited cash-out refinance transaction is used, the borrower must have held legal title to the lot before they receive the\nfirst advance of interim construction financing. The borrower is using the proceeds from the construction financing to pay off any\nexisting liens on the lot and finance the construction of the property. This type of transaction is not a “true” limited cash-out\nrefinance whereby the borrower refinances a loan(s) that was used to purchase a completed property; however, all other\nrequirements for limited cash-out refinances apply. See Selling Guide B2-1.3-02, Limited Cash-Out Refinance Transactions and the\nlimited cash-out refinance requirements in Selling Guide B5-2-03, Manufactured Housing Underwriting Requirements.\n"}
diff --git a/chunks/json/6c9fbd11ca53ffe28da3767975e2d256dd41e0d08bd8ef4d4c473c021cbb5f3a.json b/chunks/json/6c9fbd11ca53ffe28da3767975e2d256dd41e0d08bd8ef4d4c473c021cbb5f3a.json
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index 0000000000000000000000000000000000000000..71b954d0bf6f458338c5b8e587443cf8df60a301
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+++ b/chunks/json/6c9fbd11ca53ffe28da3767975e2d256dd41e0d08bd8ef4d4c473c021cbb5f3a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12891,"char_start":11289,"chunk_id":"chk_8d4e11263676fed8","chunk_index":7,"chunk_sha256":"6c9fbd11ca53ffe28da3767975e2d256dd41e0d08bd8ef4d4c473c021cbb5f3a","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_bb6c30042af83c9d","text_sha256":"6c9fbd11ca53ffe28da3767975e2d256dd41e0d08bd8ef4d4c473c021cbb5f3a","token_estimate":401,"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":"false\n\nCarpets, Tile, Hardwood\n\nFlooring\n\nModeratelyUpdated\n\nStandard 8-9 Ft. Ceilings\n\nWallsAndCeiling\n\n200\n\n3562\n\n1000\n\nfalse\n\n5\n\n3\n\n1\n\nC4\n\nQ4\n\nMid Grade Finishes\n\nNotUpdated\n\nComp 2 Primary\n\nMid Grade Quality\n\nKitchen\n\nFullyUpdated\n\n0\n\n500\n\ntrue\n\n1\n\n1\n\n0\n\nC4\n\nQ4\n\nComp 2 ADU\n\nColonial\n\nVinyl\n\nExteriorWallsAndTrim\n\ntrue\n\nComposition\n\nRoof\n\nC3\n\nQ4\n\n2\n\nForcedWarmAir\n\ntrue\n\nOutbuilding\n\ntrue\n\nStudio\n\nElectricity\n\n0\n\n400\n\nOutbuilding\n\ntrue\n\nPoolHouse\n\nElectricity\n\n0\n\n192\n\nPropertyPhoto\n\n\\\\Images\\SF4_Comp2.png\n\nimage/png\n\n76\n\n839900\n\nSettledSale\n\n25.164175\n\n-51.328127\n\nDeck\n\nDeck\n\nPatio\n\nPorch\n\nOutdoorLiving\n\nIngroundPool\n\nWaterFeatures\n\n1\n\nDetached\n\n1\n\ntrue\n\n1\n\nC4\n\nQ4\n\ntrue\n\nLeasehold\n\nfalse\n\nfalse\n\n1200\n\nfalse\n\ntrue\n\n2018-07-01\n\n2019-01-01\n\n820000\n\nSale\n\nNotDisclosed\n\n2017-04-13\n\nDeedTransferOnly\n\nNone\n\nAsphalt\n\nLocal\n\nfalse\n\n9000\n\nFull\n\nMountain\n\n35422 Peace Rd\n\nSomewhere\n\n12345\n\nVA\n\nDriveway\n\nAsphalt\n\n4\n\nfalse\n\nDetached\n\nGarage\n\n2\n\n0\n\nSalesConcessions\n\n0\n\nContractDate\n\n0\n\nSaleDate\n\n0\n\nPropertyRightsAppraised\n\n0\n\nSiteSize\n\n0\n\nPropertyStreetAccessAndSurface\n\n0\n\nYearBuilt\n\n0\n\nEnergyEfficientAndGreenFeatures\n\n0\n\nLivingUnitBedroomCount\n\nComp 3 Primary\n\n20000\n\nLivingUnitBathroomCount\n\nComp 3 Primary\n\n0\n\nLivingUnitStandardFinishedAreaAboveGrade\n\nComp 3 Primary\n\n-22400\n\nLivingUnitStandardFinishedAreaBelowGrade\n\nComp 3 Primary\n\n3760\n\nLivingUnitUnfinishedAreaBelowGrade\n\nComp 3 Primary\n\n0\n\nAccessoryDwellingUnitLocation\n\nComp 3 ADU\n\n-37500\n\nLivingUnitStandardFinishedAreaAboveGrade\n\nComp 3 ADU\n\n28160\n\nLivingUnitStandardFinishedAreaBelowGrade\n\nComp 3 ADU\n\n10000\n\nOutdoorLivingAmenity\n\n10000\n"}
diff --git a/chunks/json/6cae05d9f394d14f4bf79154a55584a4a8cd4fd6c443715e3e6dc3864cf1b039.json b/chunks/json/6cae05d9f394d14f4bf79154a55584a4a8cd4fd6c443715e3e6dc3864cf1b039.json
new file mode 100644
index 0000000000000000000000000000000000000000..85ed241e660f3428d1417f18f9efff99eea89924
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+++ b/chunks/json/6cae05d9f394d14f4bf79154a55584a4a8cd4fd6c443715e3e6dc3864cf1b039.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1743,"char_start":0,"chunk_id":"chk_797f87a8c69918fa","chunk_index":0,"chunk_sha256":"6cae05d9f394d14f4bf79154a55584a4a8cd4fd6c443715e3e6dc3864cf1b039","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_9f0e8e7d968a8db1","text_sha256":"6cae05d9f394d14f4bf79154a55584a4a8cd4fd6c443715e3e6dc3864cf1b039","token_estimate":531,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Collateral_Pledged_to_FHLBanks___U_S__FEDERAL_HOUS_9u0sk.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/collateral-pledged-to-fhlbanks\"\ndate_accessed: \"2026-01-27T17:47:57.080Z\"\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/6cb68b8dcda3193844bc3f4487f4b33aaf257c4e14e89ae5f4a672456eeaba46.json b/chunks/json/6cb68b8dcda3193844bc3f4487f4b33aaf257c4e14e89ae5f4a672456eeaba46.json
new file mode 100644
index 0000000000000000000000000000000000000000..895ac7a90f6d46d75cc9c5ff203fc5806df9a66a
--- /dev/null
+++ b/chunks/json/6cb68b8dcda3193844bc3f4487f4b33aaf257c4e14e89ae5f4a672456eeaba46.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1169387,"char_start":1167621,"chunk_id":"chk_707b5f8c35450739","chunk_index":694,"chunk_sha256":"6cb68b8dcda3193844bc3f4487f4b33aaf257c4e14e89ae5f4a672456eeaba46","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"6cb68b8dcda3193844bc3f4487f4b33aaf257c4e14e89ae5f4a672456eeaba46","token_estimate":442,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"5\n\nString\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis field must indicate the month and year of the event indicated by field e-29. No\nintent to collect time or day in this field. If the value of field e-29 is ‘SettledSale’,\nthen the second instance of this field must indicate the month and year of the contract\ndate.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nThis field is required if the value of field e-29\n(GSE Listing Status Type) is not ‘Active’. If\nthe value of field e-29 is ‘SettledSale’ and the\nvalue of field e-31 is ‘N’, then a second instance\nis required.\n\nData Format:\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nFor settled sales, this field indicates whether or not the contract date is unknown\n(‘Y’ indicates unknown, ‘N’ indicates known).\n\n3\n\nBoolean\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nPDF Display Format:\nWhole dollars only.\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\n10\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\nThis field is required if the value of field e-29\n(GSE Listing Status Type) is ‘SettledSale’.\n\nThe sum of this field 2-57 and fields (2-53, 2-\n55, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2-71, 2-\n73, 2-74, 2-78, 2-80, 2-82, 2-84, 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"}
diff --git a/chunks/json/6cbb12b6effb1e6e3a63087de2290dc509d60d566c46aad03967ce52411e923c.json b/chunks/json/6cbb12b6effb1e6e3a63087de2290dc509d60d566c46aad03967ce52411e923c.json
new file mode 100644
index 0000000000000000000000000000000000000000..5bb67a8133eca67513d901131612120b4c8ce3bd
--- /dev/null
+++ b/chunks/json/6cbb12b6effb1e6e3a63087de2290dc509d60d566c46aad03967ce52411e923c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15056,"char_start":13264,"chunk_id":"chk_60da2c0b0e258f31","chunk_index":14,"chunk_sha256":"6cbb12b6effb1e6e3a63087de2290dc509d60d566c46aad03967ce52411e923c","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"6cbb12b6effb1e6e3a63087de2290dc509d60d566c46aad03967ce52411e923c","token_estimate":448,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"b. The Containers in a Parent Container may not always be in alphabetical order. For example, the\nMISMO Containers under PARTY are not aligned in alphabetical order; however, it should be\ntaken into consideration when building the Loan Application Submission file and validating it\nagainst the schema. The validation may generate an error if you are strictly following the\nalphabetical order. Refer to example 1 below where we demonstrate the Elements (Containers) are\nnot in alphabetical order as in the XML:\n\nNot In\nAlphabetic\nOrder\n\nExample 1 Order of Containers in MISMO Schema\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n5\n\nChapter 2: Implementation Options - Overview\nThis chapter includes the following topics:\n\n▪ Understanding the MISMO v3.4 Reference Model Build 324\n▪ Understanding Fannie Mae’s DU Spec\n▪ Government Loans\n▪ Credit Request\n▪ EarlyCheckTM\n\nUnderstanding the MISMO v3.4 Reference Model Build 324\nThe DU Spec is based on the MISMO v3.4 Reference Model Build 324. In order to create a Loan\nApplication Submission file that works with MISMO v3.4 we recommend you have a full understanding\nof the MISMO v3.4 Reference Model and its supporting artifacts. Getting familiar with MISMO key terms\nwill help in navigating through MISMO v3.4 and its supporting documents. Refer to the Glossary section\nof this document for more information on key MISMO terms.\n\nThe MISMO v3.4 Reference Model\nThe MISMO v3.4 Reference Model is a framework representing data and the collection of data grouped\nunder a consistent concept. The model includes over 10,000 data points and enumerations with definitions\nand allowable values. The schema is a representation of this data and relationships and must be used when\nimplementing the Loan Application Submission file.\n"}
diff --git a/chunks/json/6cbcb9ec23e4ac4037994fe8ada413ebfa468e1dcfdb5971b83579e8b538a229.json b/chunks/json/6cbcb9ec23e4ac4037994fe8ada413ebfa468e1dcfdb5971b83579e8b538a229.json
new file mode 100644
index 0000000000000000000000000000000000000000..4ac16f58e11e644d0477bed210665f27e992cfbc
--- /dev/null
+++ b/chunks/json/6cbcb9ec23e4ac4037994fe8ada413ebfa468e1dcfdb5971b83579e8b538a229.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":344808,"char_start":343201,"chunk_id":"chk_84df044290ce46ed","chunk_index":189,"chunk_sha256":"6cbcb9ec23e4ac4037994fe8ada413ebfa468e1dcfdb5971b83579e8b538a229","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"6cbcb9ec23e4ac4037994fe8ada413ebfa468e1dcfdb5971b83579e8b538a229","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"to Close table.\n\n3. Provide the final line item value from the Closing Disclosure.\n\n4. Compare the values to determine if they are different (for reasons other than rounding).\n\na.\n\nIf not, disclose “NO” for Did this change?\n\nb. If yes, disclose “YES” for Did this change, and provide an explanation with form reference. If\n\napplicable, boilerplate text is included identifying violation of tolerance limits: “Increase exceeds\nlegal limits by $____. See Lender Credits on p. 2.” If a tolerance cure is required, it must be\nnoted on the last line of the TOTAL CLOSING COSTS table as part of the Lender Credits line item\ndescription (9.3.1).\n\nThe data points supporting this pattern are grouped in CASH TO CLOSE ITEM, which repeats for each line item.\n\n10. 3 CLOSI NG COSTS FI NANCED\n\nThe Closing Costs Financed line item does not require a comparison of the Loan Estimate and Final values in the\nAlternative Cash to Close table.\n\n10. 9 CASH TO CLOSE\n\nThe Cash to Close line item does not require a comparison of the Loan Estimate and Final values. It provides the\ntotals of all line items for the Loan Estimate column and the Final column. The Alternative Cash to Close table\nalso requires an indication of whether these total amounts are due to or from the borrower (10A.9.3 | 10A.9.4).\n\nTable 104. Alternative Calculating Cash to Close Table shows the data points used in support of the Cash to\nClose Table.\n\nAppendix E: UCD Implementation Guide\n\nPage 157 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n10.A Alternative Calculating Cash To Close Table\n\nTable 104. Alternative Calculating Cash to Close Table\n"}
diff --git a/chunks/json/6cc1092456feab5fa1b8e3b22fa17e52c87994f443aff5338ea81ade4993e4f4.json b/chunks/json/6cc1092456feab5fa1b8e3b22fa17e52c87994f443aff5338ea81ade4993e4f4.json
new file mode 100644
index 0000000000000000000000000000000000000000..12048d0734fae6ce7207d22c523c1e665e471a2c
--- /dev/null
+++ b/chunks/json/6cc1092456feab5fa1b8e3b22fa17e52c87994f443aff5338ea81ade4993e4f4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15354,"char_start":13629,"chunk_id":"chk_d4f3322fa1fa28e3","chunk_index":8,"chunk_sha256":"6cc1092456feab5fa1b8e3b22fa17e52c87994f443aff5338ea81ade4993e4f4","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"6cc1092456feab5fa1b8e3b22fa17e52c87994f443aff5338ea81ade4993e4f4","token_estimate":431,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"SF NFB\n\n10\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n11\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nSingle-Family Properties\nNational File B\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\nSF NFB\n\n11\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n12\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nSingle-Family Properties\nNational File B\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nrace_ethnicity_coborr\n\nCo-Borrower 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"}
diff --git a/chunks/json/6cc6bdf5d93f7fac355ca6cf55939643f4025e883e0ff2727f06940ac6ce3199.json b/chunks/json/6cc6bdf5d93f7fac355ca6cf55939643f4025e883e0ff2727f06940ac6ce3199.json
new file mode 100644
index 0000000000000000000000000000000000000000..b8ffc9259b9ca5edaad68b5fdac6b1f6db4ba322
--- /dev/null
+++ b/chunks/json/6cc6bdf5d93f7fac355ca6cf55939643f4025e883e0ff2727f06940ac6ce3199.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":237627,"char_start":236003,"chunk_id":"chk_ea49ae3367897791","chunk_index":138,"chunk_sha256":"6cc6bdf5d93f7fac355ca6cf55939643f4025e883e0ff2727f06940ac6ce3199","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"6cc6bdf5d93f7fac355ca6cf55939643f4025e883e0ff2727f06940ac6ce3199","token_estimate":406,"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\nThis field is required if the value of field e-29\n(GSE Listing Status Type) is 'SettledSale'.\n\nCR\n\nCR\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 2-57 and fields (2-53, 2-\n55, 2-59, 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\nCR\n\nCR\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 59 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\n308\n\n2\n\ne-14\n\nSALES\nCOMPARISON\nAPPROACH\n\nLocation\n\n(Overall Rating)\n\nGSE Overall\nLocation Rating Type\n\nThe overall rating of the location\nassociated with the property.\n\n309\n\n2\n\ne-15\n\nSALES\nCOMPARISON\nAPPROACH\n\nLocation\n\n(Location Type)\n\nGSE Location Type\n\nThe type of location influences\nassociated with the property.\n\n310\n\n2\n\ne-16\n\nSALES\nCOMPARISON\nAPPROACH\n\nLocation\n\n(Location Type Other\nDescription)\n\nGSE Location Type\nOther Description\n\nText entry when 'Other' is selected as\nLocation Type.\n\n311\n\n312\n\n313\n\n2\n\n2\n\n2\n\n59\n\n60\n\n61\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nLocation Adjustment\n\nSale Price\nAdjustment Amount\n"}
diff --git a/chunks/json/6cda520ea52f83dab372a25991e88664d7ae9fbfe5787b0566e89b609f031bfb.json b/chunks/json/6cda520ea52f83dab372a25991e88664d7ae9fbfe5787b0566e89b609f031bfb.json
new file mode 100644
index 0000000000000000000000000000000000000000..1272b2d1eed23bde0a98469f8820e3d0a41ec625
--- /dev/null
+++ b/chunks/json/6cda520ea52f83dab372a25991e88664d7ae9fbfe5787b0566e89b609f031bfb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11996,"char_start":10346,"chunk_id":"chk_98e3793158866038","chunk_index":6,"chunk_sha256":"6cda520ea52f83dab372a25991e88664d7ae9fbfe5787b0566e89b609f031bfb","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_17eec87cfcda8751","text_sha256":"6cda520ea52f83dab372a25991e88664d7ae9fbfe5787b0566e89b609f031bfb","token_estimate":433,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Natural_Disaster_Risk___FHFA_uhk3c4.md"]},"text":"See FHFA’s interactive Mortgage Loan and Natural Disaster Dashboard that combines data from FHFA’s PUDB reports on single-family and multifamily acquisitions for the regulated entities, FEMA’s National Risk Index (NRI), and FHFA’s Duty to Serve 2023 High-Needs rural areas [here](/data/dashboard/mortgage-loan-and-natural-disaster).\n\nSee a FAQ page on how to use the Mortgage Loan and Natural Disaster Dashboard [here](/faqs/mortgage-loan-and-natural-disaster).\n\nSee a blog post detailing insights and uses of the Mortgage Loan and Natural Disaster Dashboard [here](/blog/statistics/fhfa-mortgage-loan-and-natural-disaster-dashboard-blog-a-case-study-of-hurricane-beryl).\n\n## **Natural Disaster Risk Blog Series**\n\n[**The Need to Address Climate Risk**](/blog/statistics/the-need-to-address-climate-risk)\n\nAugust 28, 2023\n\nAuthor:\n\n**Daniel E. Coates**\n\nDeputy Director, FHFA Division of Research and Statistics\n\nChair, Climate Change and ESG Steering Committee\n\nExecutive Sponsor, Climate Change and ESG Working Groups\n\n[**FHFA’s Fall 2023 Econ Summit on Climate Risk**](https://www.fhfa.gov/blog/insights/fhfa-fall-2023-econ-summit-on-climate-risk)\n\nJanuary 22, 2024\n\n[**Incorporating Climate-Related Risks into Governance**](https://www.fhfa.gov/blog/insights/incorporating-climate-related-risks-into-governance)\n\nApril 22, 2024\n\n[**Lessons Learned from Assessing Exposure to Climate-Related Risks**](https://www.fhfa.gov/blog/insights/lessons-learned-from-assessing-exposure-to-climate-related-risks)\n\nMay 1, 2024\n\n[**Energy Transition Risk in the Housing Market**](https://www.fhfa.gov/blog/insights/energy-transition-risk-in-the-housing-market)\n"}
diff --git a/chunks/json/6ce4e415f02416800720ec5739168ed74773c631e0c96bea13373c3600e38690.json b/chunks/json/6ce4e415f02416800720ec5739168ed74773c631e0c96bea13373c3600e38690.json
new file mode 100644
index 0000000000000000000000000000000000000000..8f005e029b87f65614cf8371503008e5060daa86
--- /dev/null
+++ b/chunks/json/6ce4e415f02416800720ec5739168ed74773c631e0c96bea13373c3600e38690.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":5549,"char_start":3505,"chunk_id":"chk_2f692363421bc495","chunk_index":2,"chunk_sha256":"6ce4e415f02416800720ec5739168ed74773c631e0c96bea13373c3600e38690","date_utc":"2026-01-27T18:10:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b0bb634c8cbfe634","text_sha256":"6ce4e415f02416800720ec5739168ed74773c631e0c96bea13373c3600e38690","token_estimate":511,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_123115.pdf"]},"text":"Unit1--Affordable Category meets the housing goals implemented by HERA Section 1205\n1=yes;\n2=no\n\nUnit2--Affordable Category meets the housing goals implemented by HERA Section 1205\n1=yes;\n2=no\n\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\n\nUnit2-- Reported Rent Level in whole dollars\n9999999999=no non-owner-occupied dwelling units\n\nPage 2 of 5\n\nColumn\n\n48 Rent3\n\n49 Rent4\n\n50 RentUt1\n\n51 RentUt2\n\n52 RentUt3\n\n53 RentUt4\n\n54 Geog\n\n55 Rate\n56 Amount\n57 Front\n58 Back\n59 BoCreditScor\n\n60 CoBoCreditScor\n\n61 PMI\n\n62 Self\n\n63 PropType\n\n64 ArmIndex\n\n65 ArmMarg\n\n66 PrepayP\n\n67 BoEth\n\nAMA_PUDB_definitions_123115.xlsx\n\nDefinition\nUnit3-- Reported Rent Level in whole dollars\n9999999999=no non-owner-occupied dwelling units\n\nUnit4-- Reported Rent Level in whole dollars\n9999999999=no non-owner-occupied dwelling units\n\nUnit1--Reported Rent Plus Utilities in whole dollars\n9999999999=no non-owner-occupied dwelling units\n\nUnit2--Reported Rent Plus Utilities in whole dollars\n9999999999=no non-owner-occupied dwelling units\n\nUnit3--Reported Rent Plus Utilities in whole dollars\n9999999999=no non-owner-occupied dwelling units\n\nUnit4--Reported Rent Plus Utilities in whole dollars\n9999999999=no non-owner-occupied dwelling units\n\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 = 700\n< 760, 5 = 760 or greater 9=missing\nCredit Scores are separated into ranges: 1 = <620, 2 = 620 to < 660, 3 = 660 < 700, 4 = 700\n< 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/6ce9a30fd2f6fc6acb10680df3b008e327c304d95a88caa149a1102b39c8d635.json b/chunks/json/6ce9a30fd2f6fc6acb10680df3b008e327c304d95a88caa149a1102b39c8d635.json
new file mode 100644
index 0000000000000000000000000000000000000000..1147c881b06a1d47d670e39689f0350187c4c320
--- /dev/null
+++ b/chunks/json/6ce9a30fd2f6fc6acb10680df3b008e327c304d95a88caa149a1102b39c8d635.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":799218,"char_start":797599,"chunk_id":"chk_c98b16e1c7817e3e","chunk_index":476,"chunk_sha256":"6ce9a30fd2f6fc6acb10680df3b008e327c304d95a88caa149a1102b39c8d635","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"6ce9a30fd2f6fc6acb10680df3b008e327c304d95a88caa149a1102b39c8d635","token_estimate":405,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"regardless of usage.\n\n• Utilities are reported in the outbuilding Detail subsection.\n•\n\nIn the Outbuilding Area table, the finished and unfinished areas are reported as 0 sq. ft., and the Room\nSummary column is blank.\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/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 ADU/Garage, and Unit Identifier is ADU.\n\n•\n\nAppendix F-1: URAR Reference Guide\n\nPage 368 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 4: Detached Garage Examples\n\nArea Breakdown\n\nLevel and Room Detail\n\nVehicle Storage\n\nOnly the area and details that are specific to the subject’s driveway and garage are reported in this section.\n\nSales Comparison Approach\n\nIn this example, Comparable #1 has a below grade ADU in the primary dwelling, and a heated 2-car garage with\nno additional separate area. Comparable #1 has no additional outbuildings.\n\nUnit(s) Subsection for the ADU\n\nInformation about the subject property’s ADU populates from the Unit Interior section.\n•\n"}
diff --git a/chunks/json/6cfaf21c8cbc3bbfebd6b0f574671b908aa4e4c8d834db9caa992368c16c423c.json b/chunks/json/6cfaf21c8cbc3bbfebd6b0f574671b908aa4e4c8d834db9caa992368c16c423c.json
new file mode 100644
index 0000000000000000000000000000000000000000..296332557fe9c15f819ca159601c9d4c6f197418
--- /dev/null
+++ b/chunks/json/6cfaf21c8cbc3bbfebd6b0f574671b908aa4e4c8d834db9caa992368c16c423c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":19893,"char_start":18286,"chunk_id":"chk_826ac953bad2f6a4","chunk_index":11,"chunk_sha256":"6cfaf21c8cbc3bbfebd6b0f574671b908aa4e4c8d834db9caa992368c16c423c","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"6cfaf21c8cbc3bbfebd6b0f574671b908aa4e4c8d834db9caa992368c16c423c","token_estimate":401,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"Market\n\nMarket Area Boundary\n\nSearch Criteria Description\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\nPrice Trend Analysis Commentary\n\nHousing Trends\n\nDemand/Supply\n\nMarket Commentary\n\nMarket Exhibits\n\nSales in Past\n\nMonths\n\nLowest Sale Price\nMedian Sale Price\nHighest Sale Price\n\nDistressed Market Competition\nGraph\nPrice Trend Source\n\nMarketing Time\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\nProject Information\n\nPlanned Unit Development (PUD) \n\nCondominium \n\nCooperative \n\nCondop \n\nProject Completeness\n\nAre units, common areas, and amenities in project\ncomplete?\nSubject Property Building Complete\nConverted in Past 3 Years\n\nGround Rent\n\nAnnual Amount\nExpires\n\nDescription of Ground Rent\n\nYes No\n \n\n \n \n \n\nYes No\n \n\nYes No\n \n\nProprietary Lease Expires\n\nFirst Lien\n\nSecond Lien\n\nThird Lien\n\nFourth Lien\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\nMonthly Amount\nCommon Amenities/\nServices Included\nUtilities Included\n\nObserved Deficiencies\n\nDescription of Deficiencies\n\nCooperative Information\n\nShares Issued and Outstanding\nShares Attributable to Subject Property\n\nProject Blanket Financing\n\nPro Rata Share\n\nLien Detail\nUnpaid Principal Balance\n\nLine of Credit\n\nBalloon Mortgage\n\nRemaining Term\n\nMonthly Payment\n"}
diff --git a/chunks/json/6cfc526ba2f256644a6ecb00c5b803d18618ae329ca946c6f162f108f50a96de.json b/chunks/json/6cfc526ba2f256644a6ecb00c5b803d18618ae329ca946c6f162f108f50a96de.json
new file mode 100644
index 0000000000000000000000000000000000000000..823f4ff34e61757846a5f169971b2d322fadc8d1
--- /dev/null
+++ b/chunks/json/6cfc526ba2f256644a6ecb00c5b803d18618ae329ca946c6f162f108f50a96de.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":24475,"char_start":22868,"chunk_id":"chk_8bcdf5df45b47a50","chunk_index":14,"chunk_sha256":"6cfc526ba2f256644a6ecb00c5b803d18618ae329ca946c6f162f108f50a96de","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"6cfc526ba2f256644a6ecb00c5b803d18618ae329ca946c6f162f108f50a96de","token_estimate":401,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"TXC-B\n\nPrice Trend Analysis Commentary\n\nH1\n\nHousing Trends\n\nTXR-B\n\nDemand/Supply\n\nH1\nTXC\n\nH1\n\nMarket Commentary\n\nMarket Exhibits\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nTXR-B\nTXR-I\nTXR-I\nTXR-I\nTXR-B\nTXR-B\nTXR-B\n\nSales in Past\n\nMonths\n\nLowest Sale Price\nMedian Sale Price\nHighest Sale Price\n\nDistressed Market Competition\nGraph\nPrice Trend Source\n\nTXR-B\n\nMarketing Time\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\nTAB\n\nProject Information\n\nPlanned Unit Development (PUD) \n\nCondominium \n\nCooperative \n\nCondop \n\nCK-TAB\n\nTXR-B\n\nProject Completeness\n\nCK-1I\n\nCK-1I\n\nCK1\nTXR-I\nTXR-I\n\nAre units, common areas, and amenities in project\ncomplete?\nSubject Property Building Complete\nConverted in Past 3 Years\n\nGround Rent\n\nAnnual Amount\nExpires\n\nTXC-B1\n\nDescription of Ground Rent\n\nY/N\n\nYes No\n \n\n \n \n \n\nY/N\n\nYes No\n \n\nTXR-B\n\nProprietary Lease Expires\n\nY/N\n\nYes No\n \n\nFirst Lien\n\nSecond Lien\n\nThird Lien\n\nFourth Lien\n\nTXR-B\nTXR-B\nTXR-B\nTXR-I\nTXR-I\nTXR-I\nTXC-B1\n\nTXR-B\nTXR-I\nTXR-I\n\nTXR-I\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\nMonthly Amount\nCommon Amenities/\nServices Included\nUtilities Included\n\nCK1\n\nObserved Deficiencies\n\nTXC-B1\n\nDescription of Deficiencies\n\nH1\n\nCooperative Information\n\nTXR-B\nTXR-B\n\nShares Issued and Outstanding\nShares Attributable to Subject Property\n"}
diff --git a/chunks/json/6d159ec2ab57e3261c1ca5863314d25f2eedc8232d19c6d163b9c650c02ffc48.json b/chunks/json/6d159ec2ab57e3261c1ca5863314d25f2eedc8232d19c6d163b9c650c02ffc48.json
new file mode 100644
index 0000000000000000000000000000000000000000..c4c50f4390666bf2558cadac6789928aeacacc50
--- /dev/null
+++ b/chunks/json/6d159ec2ab57e3261c1ca5863314d25f2eedc8232d19c6d163b9c650c02ffc48.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":230618,"char_start":229016,"chunk_id":"chk_bc61b064439bf1c2","chunk_index":134,"chunk_sha256":"6d159ec2ab57e3261c1ca5863314d25f2eedc8232d19c6d163b9c650c02ffc48","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"6d159ec2ab57e3261c1ca5863314d25f2eedc8232d19c6d163b9c650c02ffc48","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"*Does not apply to subject property.\n\nRefer 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\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\nFHA FHA\nVA VA\nConventional Conv\nCash Cash\nSeller Seller\nRuralHousing RH\nOther *\n\n*See field e-27 directly below.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nR\n\nT\n\nR\n\nR\n\nT\n\nR\n\nT\n\nR\n\nR\n\nThe sum of this field 2-53 and fields (2-55, 2-\n57, 2-59, 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\nCR\n\nCR\n\nIf the value of field e-29 is 'SettledSale', this\nfield is required.\n\nCR\n\nCR\n\nCR\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 58 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\n301\n\n2\n\ne-27\n\nSALES\nCOMPARISON\nAPPROACH\n\nConcessions\n(Line 2)\n\nGSE Financing Type\nOther Description\n\nText entry for financing type if 'Other'\nis selected.\n\n302\n\n2\n\ne-28\n"}
diff --git a/chunks/json/6d20846d20ffa530577912d7a4318f0cdf11a584188f038233cd1eb1b77cb518.json b/chunks/json/6d20846d20ffa530577912d7a4318f0cdf11a584188f038233cd1eb1b77cb518.json
new file mode 100644
index 0000000000000000000000000000000000000000..ff2af4394bc68f173cce55335b5ebd8f8dd466ab
--- /dev/null
+++ b/chunks/json/6d20846d20ffa530577912d7a4318f0cdf11a584188f038233cd1eb1b77cb518.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9771,"char_start":7082,"chunk_id":"chk_23fe809a0a96cf47","chunk_index":4,"chunk_sha256":"6d20846d20ffa530577912d7a4318f0cdf11a584188f038233cd1eb1b77cb518","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7770082cb77839a3","text_sha256":"6d20846d20ffa530577912d7a4318f0cdf11a584188f038233cd1eb1b77cb518","token_estimate":670,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FAIR_Act_Inventory___U_S__FEDERAL_HOUSING_jnhsrj.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# FAIR Act Inventory\n\n## Breadcrumb\n\n- [Home](/)\n - [Reports](/reports)\n - FAIR Act Inventory\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/6d266051d5c1a4b57c4e40bedbe7ac46d3a33f781fbcac69978df369bca0303f.json b/chunks/json/6d266051d5c1a4b57c4e40bedbe7ac46d3a33f781fbcac69978df369bca0303f.json
new file mode 100644
index 0000000000000000000000000000000000000000..051446d7079bf94f64dc4c5e935ac147f6ae9f89
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+++ b/chunks/json/6d266051d5c1a4b57c4e40bedbe7ac46d3a33f781fbcac69978df369bca0303f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":27691,"char_start":24173,"chunk_id":"chk_3e759c0a2be3fe33","chunk_index":7,"chunk_sha256":"6d266051d5c1a4b57c4e40bedbe7ac46d3a33f781fbcac69978df369bca0303f","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_96e78a2d28acf23b","text_sha256":"6d266051d5c1a4b57c4e40bedbe7ac46d3a33f781fbcac69978df369bca0303f","token_estimate":879,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__Uniform_Closing_Dataset___Fannie_Mae_dr8d4l.md"]},"text":"IMPORTANT: Submitted UCD XML files based on v1.5 may NOT include any new UCD v2.0 data points or enumerations (including the ucd:FEE_DETAIL_EXTENSION structure), or the file will receive a Specification Version critical/fatal edit.\n\n**8. Can my UCD XML files include any “extra” data that is not included in the UCD Specifications?**\n\nYes. However, the GSEs strongly advise against delivering non-specified data in the UCD XML files. If additional data is included in the UCD XML file, but the file is properly formed according to MISMO v3.3.0, the file will not fail. The GSEs will ignore any data in the UCD XML file not expected per the UCD v2.0.\n\n**9. What is the relationship between data on the UCD and the information on the CD?**\n\nData provided in the UCD XML file must reflect disclosures on the CD PDF as closely as possible. The GSEs understand there may not be a 100 percent match because the CD is often rendered with the values provided in the @DisplayLabelText attribute, while the UCD XML file must include the valid associated enumeration. (See FAQ in XML File Technical Considerations section.)\n\n**10. Do the GSEs provide testing environments for their UCD collection solutions?**\n\nYes, each GSE has established a customer test environment (CTE) that can be accessed by Sellers and software providers/Technology Service Providers (TSPs). Additional details can be found on each GSE’s UCD webpage on FannieMae.com and FreddieMac.com.\n\nEmbedding the Closing Disclosure PDF in the UCD XML File\n\n**11. What are the requirements for embedding the CD PDF in the UCD XML file?**\n\n- **Timing/Version:** The CD PDF in the UCD XML file should represent the most accurate, agreed-upon terms of the loan at time of submission of the UCD and Uniform Loan Delivery Dataset (ULDD) XML files to the GSEs. If, after closing, but before acquisition of the loan by the GSEs, information was updated, the most recent UCD data and embedded CD must be provided in the UCD XML file.\n- **CD Copy:**The PDF does not need to be a first-generation file; however, the CD must be clear and legible.\n- **Simultaneous Seconds:** For transactions with loans having a simultaneous second (such as an 80/10/10 transaction), the lender should embed only the copy of CD for the loan being purchased (the subject loan).\n- **Construction-to-Permanent Loans:** The GSEs purchase only the permanent financing portion of a construction-to-permanent loans. Refer to Fannie Mae’s Selling Guide and Freddie Mac’s Single-Family Seller Guide.\n- **CD Revised Prior to Delivery:** If the loan has closed, but has not been delivered to a GSE, and a revised CD was provided to the borrower, the most recent version of the CD must be included in the updated UCD XML file submission.\n- **Split Disclosures:**When separate CDs are provided to the borrower and a Seller, the Seller’s CD is not required in the UCD XML file.\n- **Addenda:** Addendum PDFs that are not associated with the CD do not need to be included in the UCD XML file. However, when an addendum is used to provide additional required information to the CD, all data on the addendum must be included in the UCD XML file, with an IntegratedDisclosureSectionType value reflecting the section being extended by the addendum.\n- **Signatures:**The CD PDF included in the UCD XML file does not need to be signed; however, the Seller may wish to follow industry best practices and obtain interested party signatures.\n**12. What is the Alternate Form for Transactions Not Involving a Seller?**\n"}
diff --git a/chunks/json/6d439c23364e93921d6b0b696044c8a5d83450ea1d8dbc539cae08390c4c30cd.json b/chunks/json/6d439c23364e93921d6b0b696044c8a5d83450ea1d8dbc539cae08390c4c30cd.json
new file mode 100644
index 0000000000000000000000000000000000000000..bc9c548a9b422ee3506c7fd6eef691c28f3224e6
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+++ b/chunks/json/6d439c23364e93921d6b0b696044c8a5d83450ea1d8dbc539cae08390c4c30cd.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":25662,"char_start":23425,"chunk_id":"chk_7b7e877b526fa2cb","chunk_index":13,"chunk_sha256":"6d439c23364e93921d6b0b696044c8a5d83450ea1d8dbc539cae08390c4c30cd","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_139dfb51602e14ac","text_sha256":"6d439c23364e93921d6b0b696044c8a5d83450ea1d8dbc539cae08390c4c30cd","token_estimate":560,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Hybrid_465H.pdf"]},"text":"15. I 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.\n\n16. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which\nare subject only to the assumptions and limiting conditions in this appraisal report.\n\n17. I have no present or prospective interest in the property that is the subject of this report, and I have no present or\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\nany party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending\nmortgage loan application).\n\n19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I\nrelied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal\nor the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this\nappraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make\na change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no\nresponsibility for it.\n"}
diff --git a/chunks/json/6d647af90eea50087ae1cee1abefd91488ea1d8dc002b536d5cd61cad9cdacf1.json b/chunks/json/6d647af90eea50087ae1cee1abefd91488ea1d8dc002b536d5cd61cad9cdacf1.json
new file mode 100644
index 0000000000000000000000000000000000000000..a98e599702b96aca227a4e3f6292942b26df5d3c
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+{"chunk":{"char_end":26010,"char_start":24299,"chunk_id":"chk_3687e7127a22ab50","chunk_index":13,"chunk_sha256":"6d647af90eea50087ae1cee1abefd91488ea1d8dc002b536d5cd61cad9cdacf1","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"6d647af90eea50087ae1cee1abefd91488ea1d8dc002b536d5cd61cad9cdacf1","token_estimate":428,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-implementation-guide.pdf"]},"text":"The MISMO Version 3.0 Reference Model provides all the data elements, attributes, and enumerated\nvalues. Refer to Appendix A (or D): Fannie Mae XML Data Reference for the full details on the\nelements, attributes, and enumerated values that are supported, as well as the conditionality rules for\neach MISMO data point.\n\nIf an enumerated value is needed that is not currently in the MISMO Version 3.0 Reference Model, the\nenumerated value of “Other” with the corresponding “OtherDescription” for that field will be used. When the\n“OtherDescription” field is used, the specific allowable content will be defined by Fannie Mae. Refer to\nAppendix A (or D): Fannie Mae XML Data Requirements to determine which MISMO-enumerated values are\nsupported in the “OtherDescription” data point. Free-form text may be supported when specified for\nindividual “OtherDescription” fields. When appropriate, Fannie Mae will work with Freddie Mac and the\nMISMO Workgroups to have new data values defined and incorporated into the enumerated fields in a\nfuture version of the MISMO Reference Model.\n\nThe order of the data elements within the loan delivery XML file is very important and must match the order\noutlined in the MISMO Version 3.0 Reference Model. The order of the attributes within each element is not\nsignificant. It is highly recommended that systems support a parser that complies with the W3C XML\nspecifications. The loan delivery XML file must be well-formed and fully validated, and it must adhere to the\nMISMO Version 3.0 Reference Model standard. The following two files are available as part of the\nReference Model, and required to validate the loan delivery XML file using a parser:\n MISMO_3_0.xsd\n xlink.xsd\n"}
diff --git a/chunks/json/6d6d29077f67bf5ca6775632045e1f047563df26a2d6bc05dde2bb240916edfc.json b/chunks/json/6d6d29077f67bf5ca6775632045e1f047563df26a2d6bc05dde2bb240916edfc.json
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+{"chunk":{"char_end":361844,"char_start":360183,"chunk_id":"chk_de386dc9f2cf0abe","chunk_index":211,"chunk_sha256":"6d6d29077f67bf5ca6775632045e1f047563df26a2d6bc05dde2bb240916edfc","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"6d6d29077f67bf5ca6775632045e1f047563df26a2d6bc05dde2bb240916edfc","token_estimate":416,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"513\n\n6\n\n40\n\nAPPRAISER\nCERTIFICATION\n\nDate of Inspection from\nstreet\n\nInspection Date\n\nThe date the inspection of the\nproperty was performed.\n\n514\n\n6\n\n41\n\nAPPRAISER\nCERTIFICATION\n\nDid inspect interior and\nexterior of subject\nproperty\n\nAppraisal Inspection\nType\n\nSpecifies the extent of the property\ninspection.\n\n515\n\n6\n\n42\n\nAPPRAISER\nCERTIFICATION\n\nDate of Inspection\n\nInspection Date\n\nThe date the inspection of the\nproperty was performed.\n\n516\n\n517\n\n6\n\n6\n\n43\n\n44\n\nAPPRAISER\nCERTIFICATION\n\nDid not inspect exterior\nof comparable sales from\nstreet\n\nAppraisal Inspection\nType\n\nSpecifies the extent of the property\ninspection.\n\nAPPRAISER\nCERTIFICATION\n\nDid inspect exterior of\ncomparable sales from\nstreet\n\nAppraisal Inspection\nType\n\nSpecifies the extent of the property\ninspection.\n\n/VALUATION_RESPONSE/PARTIES/SUPER\nVISOR/INSPECTION[@AppraisalInspectionPr\nopertyType='Subject' and\n@AppraisalInspectionType='None']\n\n/VALUATION_RESPONSE/PARTIES/SUPER\nVISOR/INSPECTION[@AppraisalInspectionPr\nopertyType='Subject' and\n@AppraisalInspectionType='ExteriorOnly']\n\n/VALUATION_RESPONSE/PARTIES/SUPER\nVISOR/INSPECTION[@AppraisalInspectionPr\nopertyType='Subject' and\n@AppraisalInspectionType='ExteriorOnly']/@In\nspectionDate\n\n/VALUATION_RESPONSE/PARTIES/SUPER\nVISOR/INSPECTION[@AppraisalInspectionPr\nopertyType='Subject' and\n@AppraisalInspectionType='ExteriorAndInterior\n']\n\n/VALUATION_RESPONSE/PARTIES/SUPER\nVISOR/INSPECTION[@AppraisalInspectionPr\nopertyType='Subject' and\n@AppraisalInspectionType='ExteriorAndInterior\n']/@InspectionDate\n\n/VALUATION_RESPONSE/PARTIES/SUPER\nVISOR/INSPECTION[@AppraisalInspectionPr\nopertyType='Comparable' and\n@AppraisalInspectionType='None']\n"}
diff --git a/chunks/json/6d75a75a50607219848ddf5f4130b8d4e296254457d5c684504e80d383628e94.json b/chunks/json/6d75a75a50607219848ddf5f4130b8d4e296254457d5c684504e80d383628e94.json
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+{"chunk":{"char_end":22866,"char_start":21267,"chunk_id":"chk_739239e26268cb5a","chunk_index":13,"chunk_sha256":"6d75a75a50607219848ddf5f4130b8d4e296254457d5c684504e80d383628e94","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"6d75a75a50607219848ddf5f4130b8d4e296254457d5c684504e80d383628e94","token_estimate":400,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"HDR-R\n\nTXR-B\nTXR-I\nTXR-I\n\nOverall Condition\n\nExterior Condition - [Structure Identifier]\nInterior Condition - [Unit Identifier]\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\nTAB\n\nHighest and Best Use\nHighest and Best Use\n\nTX-BI\n\nIs the present use of the subject property …\nIs the present use of the subject property …\n\nTXR-B\nTXR-B\n\nLegally Permissible\nLegally Permissible\nPhysically Possible\nPhysically Possible\n\nTXR-B\nTXR-B\n\nFinancially Feasible\nFinancially Feasible\nMaximally Productive\nMaximally Productive\n\nYes No\nYes No\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  \nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  \n\nY/N\n\nHighest and Best Use Commentary\nHighest and Best Use Commentary\n\nCK\n\nH1\nTXC\n\nH1\n\nHighest and Best Use Exhibits\nHighest and Best Use 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\nMarket\n\nTXC-B\n\nMarket Area Boundary\n\nTXC-B\n\nSearch Criteria Description\n\nH1\n\nSearch Result Metrics\n\nTXR-B\nTXR-I\n\nTXR-I\nTXR-B\n\nActive Listings\n\nMedian Days on Market\nLowest List Price\nMedian List Price\nHighest List Price\n\nPending Sales\n"}
diff --git a/chunks/json/6d78d474b414d77f466f3fa377edde1401b61c32e22a5abb0685436825ebc1e1.json b/chunks/json/6d78d474b414d77f466f3fa377edde1401b61c32e22a5abb0685436825ebc1e1.json
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+{"chunk":{"char_end":26008,"char_start":23440,"chunk_id":"chk_cad2ba6d4cabfb23","chunk_index":15,"chunk_sha256":"6d78d474b414d77f466f3fa377edde1401b61c32e22a5abb0685436825ebc1e1","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"6d78d474b414d77f466f3fa377edde1401b61c32e22a5abb0685436825ebc1e1","token_estimate":642,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Reporting Format:\nLender/Client – Text\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 12 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\nIs the subject property currently offered\nfor sale or has it been offered for sale in\nthe 12 months prior to the effective date of\nthis appraisal? Report data source(s)\nused, offering price(s), and date(s).\n\nThe appraiser must identify whether the\nsubject property is currently offered for sale or\nhas been offered for sale in the twelve months\nprior to the date of the appraisal by selecting\neither the ‘Yes’ or the ‘No’ checkbox.\n\nReporting Format:\nIs the subject property currently offered for\nsale or has it been offered for sale in the 12\nmonths prior to the effective date of this\nappraisal? – Checkbox designated with an ‘x’\n\nIf the answer is ‘No,’ the data source(s) used\nmust be provided. If the answer is ‘Yes,’ the\nfollowing information is required:\nDays on Market (DOM) – The appraiser must\nenter the DOM for the subject property. DOM\nis defined as the total number of continuous\ndays from the date that a property is listed or\nadvertised for sale through the date that it is\ntaken off the market or contracted for sale.\nDOM applies not only to properties that are\nlisted in a Multiple Listing Service (MLS), but\nalso applies to properties marketed for sale\noutside MLS. If the subject property was not\nindividually listed or advertised for sale, enter\nthe numeral zero (0). If the DOM is unknown,\nenter ‘Unk’.\nOffering Price(s) – The appraiser must report\nthe original offering price and a history of price\nchanges, if any.\nOffering Date(s) – The appraiser must report\nthe date(s) that the property was offered for\nsale.\nData Source(s) Used – The appraiser must\nreport the data source(s) used to obtain the\noffering information. If the data source is MLS,\nthe appraiser must enter the abbreviated MLS\norganization name, followed by a pound sign\n(#), and the specific listing identifier.\n"}
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+{"chunk":{"char_end":47231,"char_start":45301,"chunk_id":"chk_968bd9ba6a77f9d9","chunk_index":27,"chunk_sha256":"6d9bcdc1d6619386250faf5aaf48c5b913fe335ec89eecc82a05f2a2d2587776","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"6d9bcdc1d6619386250faf5aaf48c5b913fe335ec89eecc82a05f2a2d2587776","token_estimate":483,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"A value that specifies the method by which the\nproperty value was assessed (e.g., Desktop Appraisal;\nExterior Appraisal; Hybrid Appraisal; Traditional\nAppraisal).\n\nDate and time when the report was generated by the\nGSE.\n\nThe business value/name or the value/name on the\nPDF appraisal report. This gives the user the location\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\nX\n\nX\n\nX\n\nX\n\nX\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\nReport Section\n\nreportSection\n\nReport Subsection\n\nreportSubSection\n\non the PDF where the issue/compliance edit\noccurred.\n\nThe name of the appraisal report section associated\nwith a specific appraisal report finding/message.\n\nThe name of the appraisal report subsection\nassociated with a specific appraisal report\nfinding/message.\n\nRisk Score\n\n{Fannie Mae}\n\nfnmRiskScore\n\nFannie Mae score from 1.0 to 5.0 that represents the\noverall risk as determined by Collateral Underwriter\n(CU).\n\nRisk Score\n\n{Freddie Mac}\n\nfreRiskScore\n\nS/SN or Non S/SN (FNM)\nS/SN or TPO # (FRE)\n\nsellerNumber\n\nFreddie Mac Loan Collateral Advisor (LCA) Risk Score\nis real-time risk score that provides a view of\novervaluation risk associated with an appraisal. The\nscoring scale is between 1 and 5 in .5 increments\nwith 1 representing the lowest risk of overvaluation\nand 5 representing the highest risk of overvaluation.\nAppraisals that are well aligned, or below the HVE\npoint value, are considered lower risk of\novervaluation and, therefore, exhibit lower risk\nscores.\n"}
diff --git a/chunks/json/6da2a3abe2d08ad8b797feed2b1ce920447f22747aa67de2dacff522378bbe07.json b/chunks/json/6da2a3abe2d08ad8b797feed2b1ce920447f22747aa67de2dacff522378bbe07.json
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+{"chunk":{"char_end":13939,"char_start":12269,"chunk_id":"chk_7f08996c77ec37a2","chunk_index":7,"chunk_sha256":"6da2a3abe2d08ad8b797feed2b1ce920447f22747aa67de2dacff522378bbe07","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4aac393be9462776","text_sha256":"6da2a3abe2d08ad8b797feed2b1ce920447f22747aa67de2dacff522378bbe07","token_estimate":430,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fact_Sheets___FHFA_dzrdl.md"]},"text":"November 10, 2022\n\n## [2023 Multifamily Caps for Fannie Mae and Freddie Mac](/news/fact-sheet/2023-multifamily-caps-for-fannie-mae-and-freddie-mac)\n\n​​​HIGHLIGHTS OF 2023 MULTIFAMILY CAPS ​The 2023 volume caps applicable to the multifamily loan purchases of Fannie Mae and Freddie Mac (the Enterprises) will be $75 billion for each Enterprise, for a total of $150 billion during the calendar year 2023.​ FHFA anticipates the 2023 cap levels to be...\n - Fact Sheet\n\nOctober 24, 2022\n\n## [FHFA Announcement on Credit Score Models](/news/fact-sheet/fhfa-announcement-on-credit-score-models)\n\n​​View Full Fact Sheet (PDF )​ FHFA ANNOUNCES VALIDATION AND APPROVAL OF FICO 10T AND VANTAGESCORE 4.0 CREDIT SCORE MODELS NEWLY APPROVED MODELS WILL IMPROVE ACCURACY, STRENGTHEN ACCESS TO CREDIT, AND ENHANCE SAFETY AND SOUNDNESS On October 24, 2022, the Federal Housing Finance Agency (FHFA)...\n - Fact Sheet\n\nAugust 25, 2022\n\n## [Tenant Protections for Enterprise-Backed Rental Properties in Response to COVID-19](/news/fact-sheet/tenant-protections-for-enterprise-backed-rental-properties-in-response-to-covid-19)\n\nINFORMATION FOR TENANTS IN RENTAL PROPERTIES WITH A FANNIE MAE OR FREDDIE MAC MORTGAGE​ Federal Resou​rces for Tenants During the COVID-19 National Emergency In response to the COVID-19 pandemic, the federal Emergency Rental Assistance program makes funding available to assist households that are...\n - [1](?page=0)\n - [2](?page=1)\n - [3](?page=2)\n - [4](?page=3)\n - [5](?page=4)\n - [Next](?page=1)\n - [Last](?page=4)\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"}
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+++ b/chunks/json/6da4ce21cc0f568367ccd8cac35905822b019a1b1a4a7fcff1f49313ad623722.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":239350,"char_start":237629,"chunk_id":"chk_ab23e941b2b5df9e","chunk_index":139,"chunk_sha256":"6da4ce21cc0f568367ccd8cac35905822b019a1b1a4a7fcff1f49313ad623722","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"6da4ce21cc0f568367ccd8cac35905822b019a1b1a4a7fcff1f49313ad623722","token_estimate":431,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"The dollar amount of the adjustment\napplied to the sale price for the\nproperty feature identified by Sale\nPrice Adjustment Type.\n\nLeasehold/Fee Simple\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\nLeasehold/Fee Simple\nAdjustment\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]/COMPARISON_LOCATION_OVERALL_R\nATING_EXTENSION/COMPARISON_LOCA\nTION_OVERALL_RATING_EXTENSION_SE\nCTION[@ExtensionSectionOrganizationName='\nUNIFORM APPRAISAL\nDATASET']/COMPARISON_LOCATION_OV\nERALL_RATING_EXTENSION_SECTION_D\nATA/COMPARISON_LOCATION_OVERALL\n_RATING/@GSEOverallLocationRatingType\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/COMPARISON_LOCATION_DETAIL_EXT\nENSION/COMPARISON_LOCATION_DETAI\nL_EXTENSION_SECTION[@ExtensionSection\nOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_LOCATION_DE\nTAIL_EXTENSION_SECTION_DATA/COMP\nARISON_LOCATION_DETAIL[@_SequenceI\ndentifier='1..2']/@GSELocationType\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/COMPARISON_LOCATION_DETAIL_EXT\nENSION/COMPARISON_LOCATION_DETAI\nL_EXTENSION_SECTION[@ExtensionSection\nOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_LOCATION_DE\nTAIL_EXTENSION_SECTION_DATA/COMP\nARISON_LOCATION_DETAIL/.[@GSELocati\nonType='Other']/@GSELocationTypeOtherDescr\niption\n"}
diff --git a/chunks/json/6dad53b84cfd9bb1b62925efa96c233b0520b6d24bf9c92f1d2bf9367891b382.json b/chunks/json/6dad53b84cfd9bb1b62925efa96c233b0520b6d24bf9c92f1d2bf9367891b382.json
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index 0000000000000000000000000000000000000000..034aad0cf65156772ef0a385c924b839e36f05e4
--- /dev/null
+++ b/chunks/json/6dad53b84cfd9bb1b62925efa96c233b0520b6d24bf9c92f1d2bf9367891b382.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":50759,"char_start":49083,"chunk_id":"chk_8468b0a2d1513e5a","chunk_index":27,"chunk_sha256":"6dad53b84cfd9bb1b62925efa96c233b0520b6d24bf9c92f1d2bf9367891b382","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"6dad53b84cfd9bb1b62925efa96c233b0520b6d24bf9c92f1d2bf9367891b382","token_estimate":419,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"The lease or project documents must\nprovide that the lender receives notice of\nany lessee default under the lease not more\nthan 30 days after such default, and at least\n30 days' prior notice of termination of the\nground lease.\n\nThe lease must not include any provisions that allow the leasehold\nestate to be extinguished or otherwise impaired by any merger of title\nbetween the lessor and lessee without the lender's prior consent.\n\nNo lease requirements relating to\nextinguishment or impairment of the\nlessee's leasehold estate.\n\nBorrower's Option to Purchase Fee Interest\n\nThe lease may, but is not required to, include an option for the borrower to purchase the fee interest in the land. If the option is\nincluded, the purchase must be at the borrower’s sole option, and there can be no time limit within which the option must be\nexercised. If the option to purchase the fee title is exercised, the mortgage must become a lien on the fee title with the same\ndegree of priority that it had on the leasehold. Both the lease and the option to purchase must be assignable, together, subject to\npermissible restrictions noted above.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 23 of 166\n\nUAD 3.6 Policy\n\nThe following table provides requirements for establishing the purchase price of the land.\n\nStatus of Property Improvements\n\nPurchase Price of Land\n\nAlready constructed at the time the lease is executed.\n\nThe initial purchase price should be established as the\nappraised value of the land on the date the lease is\nexecuted.\n\nAlready constructed at the time the lease is executed, and\nthe lease is tied to an external index, such as the Consumer\nPrice Index (CPI).\n"}
diff --git a/chunks/json/6db5a8a6f36e8ba20caa8290e646bfd2f8d548e31f25eea70b946558cde37e48.json b/chunks/json/6db5a8a6f36e8ba20caa8290e646bfd2f8d548e31f25eea70b946558cde37e48.json
new file mode 100644
index 0000000000000000000000000000000000000000..2d25c129f1ffe47814c22a0a4aa4f2e21830a0b6
--- /dev/null
+++ b/chunks/json/6db5a8a6f36e8ba20caa8290e646bfd2f8d548e31f25eea70b946558cde37e48.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":131736,"char_start":130124,"chunk_id":"chk_cbd7787ce9417620","chunk_index":124,"chunk_sha256":"6db5a8a6f36e8ba20caa8290e646bfd2f8d548e31f25eea70b946558cde37e48","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"6db5a8a6f36e8ba20caa8290e646bfd2f8d548e31f25eea70b946558cde37e48","token_estimate":403,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Reconciliation of Market Value (H1)\n\nCommentary set as TXC-B (bold lead in to Myriad Pro Regular text) X 45 picas.\n\nApparent Defects, Damages, Deficiencies (H1)\n\nIf applicable per iGuide, the following statement sets as TXC-I x 45 picas below H1: “The items listed below\nrepresent the As Is condition as of the effective date of this report”\n\nAppendix E: Report Style Guide\n\nPage 74 of 90\n\nVersion 1.4\n\nDDD Reconciliation table with Cost to Repair\n\n•\n\nIf applicable per iGuide, column heads are: “Feature,” “Location,” “Description,” “Affects\nSoundness or Structural Integrity,” “Recommended Action,” “Estimated Cost to Repair” set as\nTCH in 6 column table x 45 picas.\n\n• Columns 1, 2, 4–6: 6 picas 9 points wide (~27 characters per line)\n\n• Column 3:\n\n11 picas 3 points wide (~45 characters per line)\n\n• Content sets as TB\n\n• Set TB_sub-H1 heads in white type for each section of the report represented in DDD table, if\n\napplicable per iGuide:\n\no Site\n\no Dwelling Exterior - [Structure Identifier]\n\no Unit Interior - [Structure Identifier] - [Unit Identifier]\n\no Outbuilding - [Outbuilding Type]\n\no Unit Interior - [Outbuilding Type] - [Unit Identifier]\n\no Vehicle Storage\n\no Subject Property Amenities\n\n•\n\n“Total Cost” sets as TB_sub-H1-R in white type flush right in the 2 far right columns\n\nDEFECTS, DAMAGES, DEFICIENCES TABLE— RECONCILIATION – WITH COST TO REPAIR\n\nDDD Reconciliation table without Cost to Repair\n\n•\n\nIf applicable per iGuide, column heads are: “Feature,” “Location,” “Description,” “Affects\nSoundness or Structural Integrity,” “Recommended Action,” set as TCH in 5 column table x 45\npicas.\n"}
diff --git a/chunks/json/6db81d16c8784b700b886293f8185b63818ca66feb68688b5960d36c92c57c5f.json b/chunks/json/6db81d16c8784b700b886293f8185b63818ca66feb68688b5960d36c92c57c5f.json
new file mode 100644
index 0000000000000000000000000000000000000000..3b40976c48b3bb25429bd29b5f562970c265350b
--- /dev/null
+++ b/chunks/json/6db81d16c8784b700b886293f8185b63818ca66feb68688b5960d36c92c57c5f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3308,"char_start":1650,"chunk_id":"chk_fe7fc9c4efe47769","chunk_index":1,"chunk_sha256":"6db81d16c8784b700b886293f8185b63818ca66feb68688b5960d36c92c57c5f","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_24862b5b8723cb88","text_sha256":"6db81d16c8784b700b886293f8185b63818ca66feb68688b5960d36c92c57c5f","token_estimate":415,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-integration-impact-memo-april-2021.pdf"]},"text":"DU will implement business rules to issue several new DU validation service messages in the DU Underwriting Findings Report,\nwhen applicable.\n\nIntegrated Systems that receive and parse the following DU message identifiers and related message text will need to be updated\nto support these changes.\n\nMessage\nStatus\n\nMessageIdentifier MessageSeverityTypeCode MessageCategoryTypeCode Message\n\nMessageText\n\nNew\n\n3523\n\n5 = VERIFICATION\n\n6 = REQUIRED FUNDS\n\nType\n\nList\n\nThe large deposit(s) listed below have\nbeen identified using asset account\ninformation. These funds have been\nincluded in the total amount of assets\nvalidated. Document that these funds\nare from an acceptable source in\naccordance with the Selling Guide.\n\nLarge Deposit Amount | Financial\nInstitution | Account Number\n\nFannie Mae Confidential and Proprietary\n\n© 2021 Fannie Mae 2.24.21 Page 1 of 4\n\nMessage\nStatus\n\nMessageIdentifier MessageSeverityTypeCode MessageCategoryTypeCode Message\n\nMessageText\n\nNew\n\n3525\n\n5 = VERIFICATION\n\n6 = REQUIRED FUNDS\n\nType\n\nFixed\n\nNew\n\n3527\n\n5 = VERIFICATION\n\n6 = REQUIRED FUNDS\n\nFixed\n\nAn eligible asset report has been\nreceived; however, Total Funds to be\nVerified is $0.00. If Total Funds to be\nVerified increases, asset validation\nmay be achieved upon resubmission.\n\nAssets were validated on a transaction\nwhere gift funds are present. Confirm\nany deposited gift funds are from an\nacceptable source and are eligible for\nthe transaction. Refer to the Selling\nGuide for additional information.\n\nModified Message Category Type\n\nDU validation service messages returned in the DU Underwriting Findings report are grouped by Message Severity and Message\nCategory.\n"}
diff --git a/chunks/json/6dd9c69f906aae06f2226fdbe4a00e378c60f1c9379ea674218ee423b52873e2.json b/chunks/json/6dd9c69f906aae06f2226fdbe4a00e378c60f1c9379ea674218ee423b52873e2.json
new file mode 100644
index 0000000000000000000000000000000000000000..6205337f06be65a8c5e480ca8899f24421502216
--- /dev/null
+++ b/chunks/json/6dd9c69f906aae06f2226fdbe4a00e378c60f1c9379ea674218ee423b52873e2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15791,"char_start":14171,"chunk_id":"chk_ae4961f61232c040","chunk_index":12,"chunk_sha256":"6dd9c69f906aae06f2226fdbe4a00e378c60f1c9379ea674218ee423b52873e2","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6a5de7e7b0279ba0","text_sha256":"6dd9c69f906aae06f2226fdbe4a00e378c60f1c9379ea674218ee423b52873e2","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-documentation.pdf"]},"text":"Inclusion/Exclusion\nCriteria\nProperty type\nPurchase type\n\nUAD Aggregate Statistics Data File\nEligible Universe\nIncludes only single-family properties\nIncludes appraisals for all purchase or\nrefinance mortgage loans.\n\nAddress quality\n\nGeographic scope\n\nAcquisition status\n\nProperty address of appraised\nproperty must be of sufficient quality\nsuch that geocoding software can\ndetermine the county.\n\nProperties in the 50 U.S. states, the\nDistrict of Columbia, and Puerto\nRico.\nAppraisals for any submission to the\nEnterprises, including appraisals\nassociated with non-transacted loan\napplications and mortgages not\nacquired by the Enterprises, as well as\nappraisals submitted to FHA.\n\nUAD Appraisal-Level PUF\nEligible Universe\nIncludes only single-family properties\nIncludes appraisals for arms-length\npurchase mortgage loans, all\nrefinance mortgage loans, and all\nother (non-purchase and non-\nrefinance) mortgage loans.\nProperty address of appraised\nproperty must be of sufficient quality\nsuch that the geocoding software or\nloan originator can determine the\nstate.\nProperties in the 50 U.S. states, the\nDistrict of Columbia, and Puerto\nRico.\nAppraisals for mortgage loans\nacquired by the Enterprises.\nAppraisals for FHA insured mortgage\nloans.\n\nThe second reason estimates may differ slightly is because the UAD Appraisal-Level PUF is a five-\npercent sample of eligible UAD appraisal records while the UAD Aggregate Statistics Data File includes\naggregate statistics based on all (i.e., 100 percent) of eligible UAD appraisal records. The differences due\nto sampling will generally be larger with more granular estimates.\n"}
diff --git a/chunks/json/6de14b04146b57ef22ab1de5ffac14a8b7c72db10c89c42793348a9ad4c9cbae.json b/chunks/json/6de14b04146b57ef22ab1de5ffac14a8b7c72db10c89c42793348a9ad4c9cbae.json
new file mode 100644
index 0000000000000000000000000000000000000000..6de482c4848b21be739f6423917b5ac98a217443
--- /dev/null
+++ b/chunks/json/6de14b04146b57ef22ab1de5ffac14a8b7c72db10c89c42793348a9ad4c9cbae.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11126,"char_start":9508,"chunk_id":"chk_c83ee74bc4fc1157","chunk_index":6,"chunk_sha256":"6de14b04146b57ef22ab1de5ffac14a8b7c72db10c89c42793348a9ad4c9cbae","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"6de14b04146b57ef22ab1de5ffac14a8b7c72db10c89c42793348a9ad4c9cbae","token_estimate":405,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"2024-013 Clarified the ‘When to Include’ column for Number of Rooms (10.033).\n\n2024-032 Updated the ‘Definition / Additional Guidance’ column for Accessibility Feature Comment (10.051).\n\n2024-037 Corrected photo requirements for Vehicle Storage Type (13.001).\n\n13 Vehicle Storage\n\n2024-025\n\nUpdated the ‘Definition / Additional Guidance’ column for Number of Parking Spaces (13.002) and Vehicle Storage Area\n(13.003).\n\n14 Subject\nProperty\nAmenities\n\n2024-045 Clarified that more than one Amenity Feature (14.004) may be selected.\n\n17 Market\n\n2024-024 Deleted Property Value Trend (17.020).\n\n2024-048 Updated guidance for when there are multiple instances of the same Common Amenity or Service (18.012).\n\n18 Project\nInformation\n\n2024-002\n\nSimplified language for when rows display in the Project Factors table.\n• Developer/Sponsor in Control (18.064)\nUnit Special Assessments (18.072)\n\n2024-005\n\nUpdated guidance for reporting Single Entity Ownership of Multiple Units (18.087) and Single Entity Ownership of Multiple\nShares (18.088).\n\n2024-026 Clarified the meaning of “If Applicable” vs. “If Relevant” rows in How Rows Display in the Sales Comparison Grid.\n\n2024-038 Updated the ‘Definition / Additional Guidance’ column for Contract Date and Sale Date adjustments (22.01.31, 22.01.33).\n\n2024-026 Clarified the ‘When Row Displays’ column for Site Size (22.03.02, 22.03.20).\n\n2024-030\n\nClarified that the appraiser must provide Gross Building Finished Area (22.05.04) when the subject is a 2- to 4-unit\nproperty.\n\n2024-031 Corrected the ‘Origin of Subject Property Information’ column for Efficiency Rating (22.06.03).\n"}
diff --git a/chunks/json/6de66e8e8fbd20b7d22d4dbffa2c4fde1e624e59271e83c4562758ed54939754.json b/chunks/json/6de66e8e8fbd20b7d22d4dbffa2c4fde1e624e59271e83c4562758ed54939754.json
new file mode 100644
index 0000000000000000000000000000000000000000..7fb96969c3b41355bd50bc0af1c9a85d3bcf47f5
--- /dev/null
+++ b/chunks/json/6de66e8e8fbd20b7d22d4dbffa2c4fde1e624e59271e83c4562758ed54939754.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":16407,"char_start":14709,"chunk_id":"chk_6c2c85b312d814da","chunk_index":9,"chunk_sha256":"6de66e8e8fbd20b7d22d4dbffa2c4fde1e624e59271e83c4562758ed54939754","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_bb6c30042af83c9d","text_sha256":"6de66e8e8fbd20b7d22d4dbffa2c4fde1e624e59271e83c4562758ed54939754","token_estimate":425,"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":"775000\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\ntrue\n\nfalse\n\nfalse\n\nfalse\n\nPurchase\n\nSubjectProperty\n\nTax Map ID: 2000-61-726997/R128810\n\nMarket\n\nSales prices have been steady to slightly rising at approximately 1.5% to 2.5% annually. Supply and demand are currently balanced. Days on Market for the settled sales were predominately in the 80-100 days range. Days on Market of current listings is trending higher than recent sales due to the market entering the typically slower fall and winter periods. Absorption rate is 3-4 sales per month with a 4-5 month supply.\nThe XYZ MLS indicated 10 of 34 (29.4%) of the closed sales in the market area between 09/15/2018 and 09/15/2019 contained seller concessions. Concessions ranged between $1,000 and $25,000, and the median concession was $7,100. This level of concessions was determined to have minimal impact on the marketability or sale prices for properties considered competitive to the subject.\n\nEnergyEfficientAndGreenFeatures\n\nThe Energy Efficiency Ratings and Certifications for the subject and comparables have been considered in the reconciliation and final opinion of market value for the subject. The subject and comparable #2 have solar panels and had energy audits that provided efficiency ratings. Analysis of the data available indicates there is no measurable impact on market value. Analysis indicated that properties with energy efficient features and certifications have, on average, a lower number of days on market than properties with no energy efficiency noted.\n\nSalesContract\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 the appraiser.\n"}
diff --git a/chunks/json/6debf696f7a7a9e8d9b695f448fcfdea3fdfc9686a82a6cd3546c76feb020ca5.json b/chunks/json/6debf696f7a7a9e8d9b695f448fcfdea3fdfc9686a82a6cd3546c76feb020ca5.json
new file mode 100644
index 0000000000000000000000000000000000000000..d7f4f6a87743b40846085f28bdb22569eb758698
--- /dev/null
+++ b/chunks/json/6debf696f7a7a9e8d9b695f448fcfdea3fdfc9686a82a6cd3546c76feb020ca5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":2369,"char_start":0,"chunk_id":"chk_6d67270a3a98a275","chunk_index":0,"chunk_sha256":"6debf696f7a7a9e8d9b695f448fcfdea3fdfc9686a82a6cd3546c76feb020ca5","date_utc":"2026-01-27T18:02:36+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05e2c791205bfad3","text_sha256":"6debf696f7a7a9e8d9b695f448fcfdea3fdfc9686a82a6cd3546c76feb020ca5","token_estimate":592,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-release-jan-21-2023.pdf"]},"text":"DU for Government Loans Release Notes\nJanuary 2023 Release\n\nJan. 4, 2023\n\nDuring the weekend of Jan. 21, 2023, 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\nDU Address Standardization on VA loans\n\nThe service used by DU to standardize the address in order to determine the county in which the property is located, which also\nprovides other data for DU, will be updated. The updated version of the service will now return data based on 2020 census.\n\nNew VA version 3.1\n\nVA version 3.1 will be implemented and will apply to new VA loan casefiles created on or after the weekend of Jan. 21, 2022. Loan\ncasefiles created in VA version 3.0 will continue to be underwritten with VA version 3.0.\n\nWith the release of VA version 3.1, VA version 2.1 will be retired. Customers will be able to view online loan applications and DU\nUnderwriting Findings reports that were created under VA version 2.1, but in order to obtain an updated underwriting\nrecommendation after the weekend of Jan. 21, customers must create a new loan casefile and submit it to DU.\n\nN O T E : VA version 2.1 loan casefiles would have been created prior to June 11, 2022; therefore, those loan casefiles\nwould have been created 6 months prior to the retirement of VA version 2.1.\n\nFHA Loan Limits\n\nFHA county loan limits are applied by the FHA TOTAL mortgage scorecard, so a DU update is not required for FHA’s 2023 county\nloan limit updates.\n\nHowever, in cases where a property county cannot be determined, DU applies the FHA National Low Cost Area Limit and the FHA\nNational Low Cost Area Limit amounts will be updated in DU as part of this release to reflect the new values. In these cases, DU\nwill display the 2022 limit on FHA loan casefiles submitted or resubmitted prior to the weekend of Jan. 21 where a property\ncounty cannot be determined, regardless of Agency Case Number assignment date. For FHA loan casefiles submitted or\nresubmitted on or after the weekend of Jan. 21 where a property county cannot be determined, DU will display the 2023 FHA\nNational Low Cost Area Limit, regardless of Agency Case Number assignment date. Lenders are responsible for verifying that the\ncorrect limit is applied when determining eligibility.\n"}
diff --git a/chunks/json/6dfea6744b6b962e39eb4de086beb2404e17087df6cb0349262dbbe343926830.json b/chunks/json/6dfea6744b6b962e39eb4de086beb2404e17087df6cb0349262dbbe343926830.json
new file mode 100644
index 0000000000000000000000000000000000000000..721922806cf444dd3906dd78078756efcdcbfd53
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+++ b/chunks/json/6dfea6744b6b962e39eb4de086beb2404e17087df6cb0349262dbbe343926830.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12669,"char_start":10678,"chunk_id":"chk_64d5277167f43f0e","chunk_index":8,"chunk_sha256":"6dfea6744b6b962e39eb4de086beb2404e17087df6cb0349262dbbe343926830","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"6dfea6744b6b962e39eb4de086beb2404e17087df6cb0349262dbbe343926830","token_estimate":498,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Uniform Residential Appraisal Report (Hybrid)\n\nUniform Residential Appraisal Report (Desktop)\n\nFannie Mae\nForm Number\n\n1004\n\n1004 Hybrid\n\n1004 Desktop\n\nIndividual Condominium Unit Appraisal Report\n\n1073\n\nIndividual Condominium Unit Appraisal Report (Hybrid)\n\n1073 Hybrid\n\nIndividual Condominium Unit Appraisal Report (Desktop)\n\n1073 Desktop\n\nExterior-Only Inspection Individual Condominium\nAppraisal Report\n\n1075\n\nExterior-Only Inspection Residential Appraisal Report\n\n2055\n\nFreddie Mac\nForm Number\n\n70\n\n70H\n\n70D\n\n465\n\n465H\n\n465D\n\n466\n\n2055\n\nAppraisals must comply with all field-specific standardization requirements in this document. To assist\nappraisers in meeting UAD requirements, the GSEs are working with appraisal forms vendors to\nincorporate the UAD requirements into the software appraisers use to complete appraisal reports.\n\nThe requirements for completion of the UAD forms are organized in the order in which they appear on the\nappraisal form. Information is organized in a table format and contains the form field label(s), a description\nof the requirement, the corresponding appraisal forms to which it applies, and a reporting format.\n“Reporting format” defines the standardized format for entering data on the appraisal forms.\n\nPage 5 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\nThe “Requirement or Instruction” column defines the data specifications of the UCDP. For form fields\nlabeled as a requirement, the UCDP will validate the data and will return an error message if the data does\nnot conform to the defined reporting format. For form fields labeled as an instruction, UCDP will not\nvalidate the reporting format, but the data must be transmitted if populated in the form by the appraiser.\n"}
diff --git a/chunks/json/6e003b69975b30ca66f3bf709c9d6af2acc71bbb6e0ac669fa55344e6645ee1b.json b/chunks/json/6e003b69975b30ca66f3bf709c9d6af2acc71bbb6e0ac669fa55344e6645ee1b.json
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index 0000000000000000000000000000000000000000..5ffcc73e3ffff2b3a1124af7b41bea62e83fa1c5
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+++ b/chunks/json/6e003b69975b30ca66f3bf709c9d6af2acc71bbb6e0ac669fa55344e6645ee1b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":269736,"char_start":268219,"chunk_id":"chk_cf0b97c362b46ada","chunk_index":142,"chunk_sha256":"6e003b69975b30ca66f3bf709c9d6af2acc71bbb6e0ac669fa55344e6645ee1b","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"6e003b69975b30ca66f3bf709c9d6af2acc71bbb6e0ac669fa55344e6645ee1b","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"FeeActualPayment\nAmount\n\n500.00\n\nROF as “$500.00”\n\n7.7.2\n\nBorrower-Paid\n\n7.7.2\n\nBefore Closing\n\nFeePaymentPaidBy\nType\n\nBuyer\n\nFeePaymentPaidOu\ntsideOfClosingIndic\nator\n\ntrue\n\nRepresented as\nBorrower-Paid\nheading on form\n\nRepresented as\nBefore Closing\nheading on form\n\nD. FOR MORE I NFORMATI ON UPDATED\n\n7.1 | 7.4 | 7.6 | 7.8 | 7.9 Reg §1026.38(f)(4) and (5), pp. 80122-3, 80352-3, 80008-11; Cross reference to\n§1026.37(f)(4) and (5) pp. 80116, 80341, 79951-7.\n\nReg §1026.38(f)(1), pp. 80122, 80352-53, 80008-10; Cross reference to §1026.37(f)(1) pp. 80116, 80341,\n\n7.3\n79952-56.\n\nReg §1026.38(f)(2), pp. 80122, 80353, 80010; Cross reference to §1026.37(f)(2) pp. 80116, 80341,\n\n7.5\n79956-57.\n\nReg §1026.38(f)(3), pp. 80122, 80353, 80010-11; cross reference §1026.37(f)(3) pp. 80116, 80342,\n\n7.7\n79956-57.\n\nThe May 2, 2018 amendment to the Regulation (83 FR 19159) describes the disclosure of several construction\nloan inspection & handling fees collected by the lender after closing. Because the GSEs are interested only in\nthose transaction charges occurring at or before closing, we did not add data points and enumerations\nsupporting these fees to UCD.\n\nAppendix E: UCD Implementation Guide\n\nPage 123 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n8.0 Other Costs Table\n\n8.0 OTHER COSTS TABLE\n\nAs shown in Figure 80, the second half of the Closing Cost Details page contains the Other Costs table. The\nOther Costs table itemizes all other fees or required payments not otherwise disclosed in the Loan Costs table.\n"}
diff --git a/chunks/json/6e0a4c34b73ae8f8c68083340763568c8e0be89941096cf4befb9f1babf5ca96.json b/chunks/json/6e0a4c34b73ae8f8c68083340763568c8e0be89941096cf4befb9f1babf5ca96.json
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+{"chunk":{"char_end":963910,"char_start":962540,"chunk_id":"chk_6e2d27bb1b10bdc0","chunk_index":574,"chunk_sha256":"6e0a4c34b73ae8f8c68083340763568c8e0be89941096cf4befb9f1babf5ca96","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"6e0a4c34b73ae8f8c68083340763568c8e0be89941096cf4befb9f1babf5ca96","token_estimate":425,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"PDF Display Format:\nWhole dollars only.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nA value of 'Y' indicates the Positive box has been checked and the net adjustment is\npositive, a value of 'N' indicates the Negative box has been checked and the net\nadjustment is negative.\n\nA value of 'Y' indicates the Positive box has been checked and the net adjustment is\npositive, a value of 'N' indicates the Negative box has been checked and the net\nadjustment is negative.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis field should contain the total net adjustment, i.e. the sum of all positive and\nnegative adjustments.\n\nPDF Display Format:\nWhole numbers only. If there is no net adjustment, a value of zero (0) must be entered.\n\nThe sum of this field 3-109 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,\n3-107, 3-111) must add up to Net\nAdjustment field 3-116.\n\nIf field 3-46 is populated, then this field\nshould be populated.\n\nThe sum of this field 3-111 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,\n3-107, 3-109) must add up to Net\nAdjustment field 3-116.\n"}
diff --git a/chunks/json/6e0f31942515d9a5aaffa451fa3eeb9cc38ca05c8f8854a765bf35d7ce465482.json b/chunks/json/6e0f31942515d9a5aaffa451fa3eeb9cc38ca05c8f8854a765bf35d7ce465482.json
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diff --git a/chunks/json/6e13d85416aad23febd5ea5400aa3ca61a8dc9421da76ea8256756a7c421f34a.json b/chunks/json/6e13d85416aad23febd5ea5400aa3ca61a8dc9421da76ea8256756a7c421f34a.json
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+{"chunk":{"char_end":2363,"char_start":0,"chunk_id":"chk_2a8e360bc18bb0b0","chunk_index":0,"chunk_sha256":"6e13d85416aad23febd5ea5400aa3ca61a8dc9421da76ea8256756a7c421f34a","date_utc":"2026-01-27T17:46:22+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e484d5a71db6785a","text_sha256":"6e13d85416aad23febd5ea5400aa3ca61a8dc9421da76ea8256756a7c421f34a","token_estimate":1109,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.md/The_Industry_s_Guide_to_the_New_URAR_z4nfg.md"]},"text":"---\nsource_url: \"https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html\"\ndate_accessed: \"2026-01-27T17:46:22.123Z\"\n---\n\n!function(){var e,i=/iPhone/i,o=/iPod/i,n=/iPad/i,t=/\\biOS-universal(?:.+)Mac\\b/i,r=/\\bAndroid(?:.+)Mobile\\b/i,a=/Android/i,d=/(?:SD4930UR|\\bSilk(?:.+)Mobile\\b)/i,p=/Silk/i,l=/Windows Phone/i,u=/\\bWindows(?:.+)ARM\\b/i,b=/BlackBerry/i,s=/BB10/i,c=/Opera Mini/i,f=/\\b(CriOS|Chrome)(?:.+)Mobile/i,h=/Mobile(?:.+)Firefox\\b/i,v=function(e){return void 0!==e&&\"MacIntel\"===e.platform&&\"number\"==typeof e.maxTouchPoints&&e.maxTouchPoints>1&&\"undefined\"==typeof MSStream};e=function(e){var m={userAgent:\"\",platform:\"\",maxTouchPoints:0};e||\"undefined\"==typeof navigator?\"string\"==typeof e?m.userAgent=e:e&&e.userAgent&&(m={userAgent:e.userAgent,platform:e.platform,maxTouchPoints:e.maxTouchPoints||0}):m={userAgent:navigator.userAgent,platform:navigator.platform,maxTouchPoints:navigator.maxTouchPoints||0};var g=m.userAgent,y=g.split(\"[FBAN\");void 0!==y[1]&&(g=y[0]),void 0!==(y=g.split(\"Twitter\"))[1]&&(g=y[0]);var A=function(e){return function(i){return i.test(e)}}(g),w={apple:{phone:A(i)&&!A(l),ipod:A(o),tablet:!A(i)&&(A(n)||v(m))&&!A(l),universal:A(t),device:(A(i)||A(o)||A(n)||A(t)||v(m))&&!A(l)},amazon:{phone:A(d),tablet:!A(d)&&A(p),device:A(d)||A(p)},android:{phone:!A(l)&&A(d)||!A(l)&&A(r),tablet:!A(l)&&!A(d)&&!A(r)&&(A(p)||A(a)),device:!A(l)&&(A(d)||A(p)||A(r)||A(a))||A(/\\bokhttp\\b/i)},windows:{phone:A(l),tablet:A(u),device:A(l)||A(u)},other:{blackberry:A(b),blackberry10:A(s),opera:A(c),firefox:A(h),chrome:A(f),device:A(b)||A(s)||A(c)||A(h)||A(f)},any:!1,phone:!1,tablet:!1};return w.any=w.apple.device||w.android.device||w.windows.device||w.other.device,w.phone=w.apple.phone||w.android.phone||w.windows.phone,w.tablet=w.apple.tablet||w.android.tablet||w.windows.tablet,w}(),\"object\"==typeof exports&&\"undefined\"!=typeof module?module.exports=e:\"function\"==typeof define&&define.amd?define((function(){return e})):this.isMobile=e}(); window.isMobile.apple.tablet = window.isMobile.apple.tablet || (navigator.platform === 'MacIntel' && navigator.maxTouchPoints > 1); window.isMobile.apple.device = window.isMobile.apple.device || window.isMobile.apple.tablet; window.isMobile.tablet = window.isMobile.tablet || window.isMobile.apple.tablet; window.isMobile.any = window.isMobile.any || window.isMobile.apple.tablet;\n"}
diff --git a/chunks/json/6e2fe6859546b4570cb031afb6f1602e0dc530800e6583142787f9293b74a8b7.json b/chunks/json/6e2fe6859546b4570cb031afb6f1602e0dc530800e6583142787f9293b74a8b7.json
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index 0000000000000000000000000000000000000000..8396238c6c6c116e41b69c7625d8bc25dd29ef35
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+++ b/chunks/json/6e2fe6859546b4570cb031afb6f1602e0dc530800e6583142787f9293b74a8b7.json
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+{"chunk":{"char_end":201296,"char_start":199669,"chunk_id":"chk_2b702752ca89a6bd","chunk_index":112,"chunk_sha256":"6e2fe6859546b4570cb031afb6f1602e0dc530800e6583142787f9293b74a8b7","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"6e2fe6859546b4570cb031afb6f1602e0dc530800e6583142787f9293b74a8b7","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"…/ESCROW/ESCROW_ITEMS/ESCROW_ITEM/ESCROW_ITEM_DETAIL\n\n8.172\n\nEscrowCollectedNumberOfMonthsCount\n\n2\n\n8.169\n\nEscrowItemType\n\nHomeownersInsurance\n\n8.171\n\nEscrowMonthlyPaymentAmount\n\n100.83\n\n8.139\n\nFeePaidToType\n\nThirdPartyProvider\n\nProvide a whole number indicating the\nnumber of months covered by the\npayment amount.\n\nProvide \"Other\" only when a supported\nenumeration cannot reflect the item\naccurately.\n\nThe GSEs require this value in\nFeePaidToType and\nFeePaidToTypeOtherDescription in\nsupport of ATR/QM data requirements.\n\n8.297\n\nIntegratedDisclosureSectionType\n\nInitialEscrowPaymentAtClosing\n\n8.188\n\nRegulationZPointsAndFeesIndicator\n\nfalse\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ESCRO\nW/ESCROW_ITEMS/ESCROW_ITEM/ESCROW_ITEM_PAYMENTS/ESCROW_ITEM_PAYMENT\n\n8.198\n\nEscrowItemActualPaymentAmount\n\n201.66\n\nUCD v2.0 Implementation Guide\n\n- 86 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nTable 43. UCD v2.0 Spec Excerpt - Escrow Items Collected at Closing (Purchase) Data Requirements.\n\nUCD UID MISMO v3.3.0 Data Point\n\nDelivered Value\n\nUsage Notes\n\n8.173\n\nEscrowItemPaymentPaidByType\n\nBuyer\n\n8.843\n\nEscrowItemPaymentTimingType\n\nAtClosing\n\n…/ESCROW_ITEM/ESCROW_ITEM_DETAIL\n\n8.172\n\nEscrowCollectedNumberOfMonthsCount\n\n2\n\n8.169\n\nEscrowItemType\n\nCountyPropertyTax\n\nRegulationZPointsAndFeesIndicator is\nnot required for tax payments.\n\n8.171\n\nEscrowMonthlyPaymentAmount\n\n105.30\n\n8.139\n\nFeePaidToType\n\nThirdPartyProvider\n\n8.150\n\nIntegratedDisclosureSectionType\n\nInitialEscrowPaymentAtClosing\n\n…/ESCROW_ITEM/ESCROW_ITEM_PAYMENTS/ESCROW_ITEM_PAYMENT\n"}
diff --git a/chunks/json/6e4a3e58f722ee98ba79f9d8563a31ba4ea1986ed96f0bb284f43dba6bd30c7c.json b/chunks/json/6e4a3e58f722ee98ba79f9d8563a31ba4ea1986ed96f0bb284f43dba6bd30c7c.json
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diff --git a/chunks/json/6e4cc5ba0872a5027ff58799454518ebfe684f28fcdceb376d188be623c546f6.json b/chunks/json/6e4cc5ba0872a5027ff58799454518ebfe684f28fcdceb376d188be623c546f6.json
new file mode 100644
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+++ b/chunks/json/6e4cc5ba0872a5027ff58799454518ebfe684f28fcdceb376d188be623c546f6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":529564,"char_start":527937,"chunk_id":"chk_0bca052710db249e","chunk_index":314,"chunk_sha256":"6e4cc5ba0872a5027ff58799454518ebfe684f28fcdceb376d188be623c546f6","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"6e4cc5ba0872a5027ff58799454518ebfe684f28fcdceb376d188be623c546f6","token_estimate":407,"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\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\nSite\n•\n\nStreet(s) Used to\nAccess Property\n4.021\n\nYes\n22.03.31\n\nSite\n•\n\nStreet Surface\nMaterial 4.021\n\nYes\n22.03.31\n\nSite\n•\n\nProperty\nRestriction 4.051\n\nYes\n22.03.33\n\nSite\n•\n\nEasement 4.055\n\nYes\n22.03.35\n\n•\n•\n•\n•\n•\n•\n•\n•\n\n•\n•\n•\n•\n•\n•\n•\n\n•\n•\n•\n•\n•\n•\n•\n\n•\n•\n•\n•\n•\n\nAlley\nArterial Street\nCollector Street\nCul-de-sac\nDead End\nLocal Road\nRural Road\nOther (Describe)\n\nAsphalt\nBrick\nConcrete\nCobblestone\nDirt\nGravel\nOther (Describe)\n\nAge\nHistoric Preservation\nIncome\nLand Use\nRental\nSale Price\nOther (Describe)\n\nConservation\nDrainage\nIngress/Egress\nUtility (other than typical property utility easements)\nOther (Describe)\n\n22.03.10\n22.03.36\n\nTopography\n\nIf relevant\n\nRequired when Site\nCharacteristic is\nTopography, and the\nrow is included in the\nsales comparison grid\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nSite\n•\n\n•\n\nSite Characteristic\n(4.062) is\nTopography\nTopography Type\n4.063\n\nYes\n22.03.37\n\n•\n•\n•\n•\n•\n\nFlat\nRocky\nRolling\nSloping\nOther (Describe)\n\nNote: Do not report easements that are typical or common to the\nmarket.\n\nNote: If this row is included in the sales comparison grid, and the\ncomparable(s) have a topography impact, Topography Type (e.g., Flat)\nmust also be populated for the subject (4.063).\n\nAppendix F-1: URAR Reference Guide\n\nPage 229 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n"}
diff --git a/chunks/json/6e4e26c99d88dc37655cc24b7df8a8cba2e6f8167b8c3cab0f67a5c4d064315c.json b/chunks/json/6e4e26c99d88dc37655cc24b7df8a8cba2e6f8167b8c3cab0f67a5c4d064315c.json
new file mode 100644
index 0000000000000000000000000000000000000000..565a95b78f32fc9de45ed83ce1de2c7a1f431b17
--- /dev/null
+++ b/chunks/json/6e4e26c99d88dc37655cc24b7df8a8cba2e6f8167b8c3cab0f67a5c4d064315c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":732065,"char_start":730462,"chunk_id":"chk_3cbaa72cf9049f83","chunk_index":436,"chunk_sha256":"6e4e26c99d88dc37655cc24b7df8a8cba2e6f8167b8c3cab0f67a5c4d064315c","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"6e4e26c99d88dc37655cc24b7df8a8cba2e6f8167b8c3cab0f67a5c4d064315c","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Dollar amount\n\nAn additional opinion of value, based on the client requested conditions and /\nor restrictions.\n\nAllowable Answer\n\nAs Is\n\nValue Condition (Choose one for each Client Requested Condition)\n\nDefinition / Additional Guidance\n\nThe Alternate Opinion of Value (26.017) is based on the property in its current state based on the client requested\nconditions and / or restrictions.\n\nSubject to Completion Per\nPlans\n\nThe Alternate Opinion of Value (26.017) is based on the hypothetical condition that the improvements have been\ncompleted per plans and specifications and the client requested conditions and / or restrictions.\n\nSubject to Inspection\n\nThe Alternate Opinion of Value (26.017) is based on any required inspections identified in the appraisal and the\nextraordinary assumption that any deficiency does not require alteration or repair.\n\nNote: If this answer is selected, indicate the required inspections in Requested Condition Commentary (26.018).\n\nSubject to Repair\n\nThe Alternate Opinion of Value (26.017) is based on the hypothetical condition that the repairs identified in the appraisal\nhave been completed per the client requested conditions and / or restrictions.\n\nRequested Condition Commentary\n\nIdentify the type and definition of value provided, along with any other needed commentary. Use this\ncommentary to state the type and definition of value and cite the source of the definition.\n\nThe summary of analysis and support for the Alternate Opinion of Value (26.017) can be included here and / or\nin Reconciliation of Market Value (26.019).\n\nAppendix F-1: URAR Reference Guide\n"}
diff --git a/chunks/json/6e4ecae87aad7cd5c5938bf46aeb424bf8639a7b11de0b5b50ee02181438d16a.json b/chunks/json/6e4ecae87aad7cd5c5938bf46aeb424bf8639a7b11de0b5b50ee02181438d16a.json
new file mode 100644
index 0000000000000000000000000000000000000000..431e7b1876e40fbde200fb45dcd6db4730ba3f79
--- /dev/null
+++ b/chunks/json/6e4ecae87aad7cd5c5938bf46aeb424bf8639a7b11de0b5b50ee02181438d16a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":157563,"char_start":155810,"chunk_id":"chk_46ba1e117dc22fd9","chunk_index":171,"chunk_sha256":"6e4ecae87aad7cd5c5938bf46aeb424bf8639a7b11de0b5b50ee02181438d16a","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"6e4ecae87aad7cd5c5938bf46aeb424bf8639a7b11de0b5b50ee02181438d16a","token_estimate":438,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"section.\n\no Which version of 28.041 is displayed depends on whether or not there is significant real property appraisal assistance.\no Name (2.047) also displays in 28.042.\n\nPage 99\n\nAssignment Information: Contact Information – Significant Real Property Appraisal Assistance\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\nDisplay Rules\n\nWhen PartyRoleType (UID: 2400.0412, FID: Not on report) =\n“SignificantRealPropertyAppraisalAssistance” …\n\n2.047\n\nName\n\nCredentials\n\n2.049\n\nLevel\n\n2.050\n\nID\n\n2.051\n\nState\n\n2400.0405\n\nFirstName\n\n2400.0407\n\nMiddleName\n\n2400.0406\n\nLastName\n\n2400.0408\n\nSuffixName\n\n… displays\n\nDisplay when provided\n\n… displays\n\nDisplay when provided\n\n2400.0488\n\nAppraiserLicenseType\n\n… displays\n\n2400.0410\n\nLicenseIdentifier\n\n2400.0411\n\nLicenseIssuingAuthorityStateCode\n\nDisplay when AppraiserLicenseType <> “None”\nIf not provided, do not display report label.\n\nDisplay when AppraiserLicenseType <> “None”\nIf not provided, do not display report label.\n\nDisplay when AppraiserLicenseType <> “None”\nIf not provided, do not display report label.\n\n2.052\n\nExpires\n\n2400.0409\n\nLicenseExpirationDate\n\n2.048\n\nDescription\n\n2400.0413\n\nPartyRoleTypeAdditionalDescription\n\n… displays\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nProperty Data Report\n\nThe Property Data Report subsection displays when PropertyDataReportIndicator (UID: 1000.0043, FID: 2.005) = “true”.\n\nNotes:\n\n•\n\n•\n\nIf PropertyDataReportIndicator (UID: 1000.0043, FID: 2.005) = “true”, there must be a contact with PartyRoleType (UID: 2400.0300,\nFID: Not on report) = “PropertyDataCollector”, as the Property Data Collector is the person who completed the Property Data\nReport.\nInspection information for this subsection uses containment instead of an arcrole.\n"}
diff --git a/chunks/json/6e50638424202dfd3c5f100ef61869ef9d29e021f13d9f54670c9e2b8d13f792.json b/chunks/json/6e50638424202dfd3c5f100ef61869ef9d29e021f13d9f54670c9e2b8d13f792.json
new file mode 100644
index 0000000000000000000000000000000000000000..de25990fab9885021041645b72b966058b9a1ac9
--- /dev/null
+++ b/chunks/json/6e50638424202dfd3c5f100ef61869ef9d29e021f13d9f54670c9e2b8d13f792.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1713,"char_start":0,"chunk_id":"chk_571b42555daa2737","chunk_index":0,"chunk_sha256":"6e50638424202dfd3c5f100ef61869ef9d29e021f13d9f54670c9e2b8d13f792","date_utc":"2026-01-27T17:54:30+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f4801ca46b7fa5eb","text_sha256":"6e50638424202dfd3c5f100ef61869ef9d29e021f13d9f54670c9e2b8d13f792","token_estimate":525,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Uniform_Appraisal_Dataset__UAD__Aggregate_Statisti_c3sfv.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/uad\"\ndate_accessed: \"2026-01-27T17:54:20.600Z\"\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/6e61884ec632c4acffb0ce367bcc5ec54375d0e35480e9489edc4c9e01e06018.json b/chunks/json/6e61884ec632c4acffb0ce367bcc5ec54375d0e35480e9489edc4c9e01e06018.json
new file mode 100644
index 0000000000000000000000000000000000000000..1baf1b743ea7bad5e929a39864b88c7ae67a9da6
--- /dev/null
+++ b/chunks/json/6e61884ec632c4acffb0ce367bcc5ec54375d0e35480e9489edc4c9e01e06018.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":97334,"char_start":95731,"chunk_id":"chk_2be49881c328d876","chunk_index":57,"chunk_sha256":"6e61884ec632c4acffb0ce367bcc5ec54375d0e35480e9489edc4c9e01e06018","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"6e61884ec632c4acffb0ce367bcc5ec54375d0e35480e9489edc4c9e01e06018","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/SITE\n/@_DimensionsDescription\n\n16\n\nEnumerated UAD Requirement - Refer to Appendix D Neighborhood Section\n\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\nCR\n\nCR\n\nCR\n\n7\n\n7\n\n7\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\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\nbe captured and included in the XML data point.\n\nNote: All text entered in this field, including overflow into the addendum, must\nbe captured and included in the XML data point.\n\nNote: All text entered in this field, including overflow into the addendum, must\nbe captured and included in the XML data point.\n\n4000\n\n4000\n\nString\n\nString\n\n40\n\nString\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\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 36 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n"}
diff --git a/chunks/json/6e7b2783c7dd11ca685fb28b468e232995d5bd67f07037acd4b1e9d12103b459.json b/chunks/json/6e7b2783c7dd11ca685fb28b468e232995d5bd67f07037acd4b1e9d12103b459.json
new file mode 100644
index 0000000000000000000000000000000000000000..3c0908f4d7bfc7c8a8271475e041758e3d8ab2ad
--- /dev/null
+++ b/chunks/json/6e7b2783c7dd11ca685fb28b468e232995d5bd67f07037acd4b1e9d12103b459.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1748,"char_start":0,"chunk_id":"chk_04347b602ccf43c0","chunk_index":0,"chunk_sha256":"6e7b2783c7dd11ca685fb28b468e232995d5bd67f07037acd4b1e9d12103b459","date_utc":"2026-01-27T17:54:27+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f71bd9f1f705a214","text_sha256":"6e7b2783c7dd11ca685fb28b468e232995d5bd67f07037acd4b1e9d12103b459","token_estimate":529,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Interpretive_Services___FHFA_rqnso5.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/mortgage-translations/interpretive-services\"\ndate_accessed: \"2026-01-27T17:54:20.463Z\"\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/6e7f44cf198e12e7ae4ad16a822c94973cced7420c561ebdd10cac0b111be27f.json b/chunks/json/6e7f44cf198e12e7ae4ad16a822c94973cced7420c561ebdd10cac0b111be27f.json
new file mode 100644
index 0000000000000000000000000000000000000000..563d62cbd21104ad25bfe382e531aab56a095a94
--- /dev/null
+++ b/chunks/json/6e7f44cf198e12e7ae4ad16a822c94973cced7420c561ebdd10cac0b111be27f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":458988,"char_start":457390,"chunk_id":"chk_bb30606330bcb05b","chunk_index":260,"chunk_sha256":"6e7f44cf198e12e7ae4ad16a822c94973cced7420c561ebdd10cac0b111be27f","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"6e7f44cf198e12e7ae4ad16a822c94973cced7420c561ebdd10cac0b111be27f","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Interest Rate Adjustments (#)\n\nInitial Interest Rate 2%\n\nID\n\n20.0\n\n20.1\n\n20.2\n\n20.3 Minimum/ Interest Rate\n\n20.3\n\n20.4\n\n20.5\n\n20.6\n\n20.7\n\n/Maximum Interest Rate 5% Max\n\nChange Frequency –First Change Beginning of 13th\nmonth\nChange Frequency–Subsequent Change Every 12\nmonths after first change for 36 months\nLimits on Interest Rate Changes – First Change\n\nLimits on Interest Rate Changes – Second Change\n\n1The change frequency noted here can apply to the subsequent adjustment because the change frequency does not change\nthroughout step rate period (every year after initial 1-year period) for 36 months.\n\nThe data points used to provide this information are shown in the table below. The Loan Terms Table Form Field\nIDs have been included where applicable to help emphasize that the data points are provided only once in the\nXML file.\n\nTable 144. AIR Table – Step Rate Mortgage\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\n20.3 |\n4.2.3(2)\n\nMinimum/ Maximum\nInterest Rate\n\n20.4 |\n4.2\n\nChange Frequency-\nFirst Change\n\n20.3 Minimum/ Maximum\nInterest Rate\n\n20.1 Number and\nFrequency of\nChanges\n\n…/INTEREST_RATE_A\nDJUSTMENT/INTERE\nST_RATE_LIFETIME_\nADJUSTMENT_RULE\n\nINTEREST_RATE_LIFE\nTIME_ADJUSTMENT_\nRULE/EXTENSION/OT\nHER\n\nCeilingRatePercent\n\n5.0000\n\nROF as “5% Max”\n\nFirstRateChangeMon\nthsCount\n\n13\n\nROF as “Beginning of\n13th month”\n\nFloorRatePercent\n\n2.0000\n\nROF as “2% Min”\n\ngse:TotalStepCount 3\n\nROF as “3”\n\nFirst Instance of INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE\n\nAppendix E: UCD Implementation Guide\n\nPage 213 of 254\n\nVersion 1.4\n"}
diff --git a/chunks/json/6e857b7e11ac576da6ef5a3d6a7398e140bb9d78dcadf9c69aae476e8e290338.json b/chunks/json/6e857b7e11ac576da6ef5a3d6a7398e140bb9d78dcadf9c69aae476e8e290338.json
new file mode 100644
index 0000000000000000000000000000000000000000..07d35b6484ef933164ede693316ea64207bb6f8e
--- /dev/null
+++ b/chunks/json/6e857b7e11ac576da6ef5a3d6a7398e140bb9d78dcadf9c69aae476e8e290338.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":20089,"char_start":18481,"chunk_id":"chk_7d418ffe33814860","chunk_index":14,"chunk_sha256":"6e857b7e11ac576da6ef5a3d6a7398e140bb9d78dcadf9c69aae476e8e290338","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"6e857b7e11ac576da6ef5a3d6a7398e140bb9d78dcadf9c69aae476e8e290338","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"RELAT IONSHIP ELEMENT AT T RIBUT ES: FROM, T O AND ARCROLE\n\nEach instance of the RELATIONSHIP element must contain at least three XLink attributes: from, to,\nand arcrole. Since these attributes are part of the XLink standard’s “namespace”, in a XML message\nthey must contain the namespace prefix that the MISMO schema assigns for them. By default the\nschema usually assigns xlink: as the namespace prefix, to differentiate these XLink attributes from\nMISMO data elements and attributes.\n\nExample:\n\n<RELATIONSHIP xlink: from=\"Loan-1\" xlink:to=\"Borrower-1\" xlink:arcrole=\n\" urn:fdc:mismo.org:2009:residential/LOAN_IsAssociatedWith_ROLE \" />\n\nRELAT IONSHIP ELEMENT “ARCROLE” NAMING CONVENT ION\n\nThe architectural rules for the use of XLink are detailed in MEG 0036, Use of XLink to Manage\nRelationships, available at the link below:\n\nhttp://www.mismo.org/Guidelines/EngineeringGuidelines(MEGS).htm\n\nEach arcrole value will be composed as follows:\n\n{URN} {FromName} ‘_’ {VerbPhrase} ‘_’ {ToName}\n\n URN – for arcroles defined by MISMO, the URN string value is urn:fdc:mismo.org:2009:residential/.\n\nFor arcroles not defined by MISMO the “extended” URN is the string “urn:fdc:” + domain name of the\nextending organization + “:” + year of first use + “:” + optional qualifier + separator character “:” or\n“/”. Example: urn:fdc:AcmeLending.com:2013:mortgage\n\n FromName – the element name that is pointed to by xlink:from attribute.\n VerbPhrase – is defined according to the type of relationship. For Irreflexive Relationships (i.e.\nFromName is different from ToName), the value of VerbPhrase is ‘IsAssociatedWith’.\n"}
diff --git a/chunks/json/6e88853faed293809c23243bccb0b149e7a4b872619dd7edad01f5d63e4362ac.json b/chunks/json/6e88853faed293809c23243bccb0b149e7a4b872619dd7edad01f5d63e4362ac.json
new file mode 100644
index 0000000000000000000000000000000000000000..356dc3884f19c8be7ad59bace01b56b27cc04bbb
--- /dev/null
+++ b/chunks/json/6e88853faed293809c23243bccb0b149e7a4b872619dd7edad01f5d63e4362ac.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":31841,"char_start":29773,"chunk_id":"chk_709353b79f0497c5","chunk_index":17,"chunk_sha256":"6e88853faed293809c23243bccb0b149e7a4b872619dd7edad01f5d63e4362ac","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_54c90e842324b7de","text_sha256":"6e88853faed293809c23243bccb0b149e7a4b872619dd7edad01f5d63e4362ac","token_estimate":517,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073_465.pdf"]},"text":"2. 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\n5. 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\nAPPRAISER\n\nSUPERVISORY APPRAISER (ONLY IF REQUIRED)\n\nSignature _____________________________________________\nName 5______________________________________________\nCompany Name 6 ______________________________________\nCompany Address 7 ____________________________________\n 8a, 8b 8c ______________________________\nTelephone Number 9 ____________________________________\nEmail Address 10 ______________________________________\nDate of Signature and Report 11___________________________\nEffective Date of Appraisal 12 ____________________________\nState Certification # 13 __________________________________\nor State License # 14____________________________________\nor Other 15 _________________ State # 16 ________________\nState 17 ______________________________________________\nExpiration Date of Certification or License 18 _________________\n"}
diff --git a/chunks/json/6e98f7f28942d33fe48e2dce6bb0b9c667dabc609c7757202d68dbdb6e00389c.json b/chunks/json/6e98f7f28942d33fe48e2dce6bb0b9c667dabc609c7757202d68dbdb6e00389c.json
new file mode 100644
index 0000000000000000000000000000000000000000..bca88279ae94d1aebb7ab40aee462e98c6bb2e50
--- /dev/null
+++ b/chunks/json/6e98f7f28942d33fe48e2dce6bb0b9c667dabc609c7757202d68dbdb6e00389c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":30333,"char_start":29869,"chunk_id":"chk_d73f9861f986cc40","chunk_index":42,"chunk_sha256":"6e98f7f28942d33fe48e2dce6bb0b9c667dabc609c7757202d68dbdb6e00389c","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"6e98f7f28942d33fe48e2dce6bb0b9c667dabc609c7757202d68dbdb6e00389c","token_estimate":418,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Site Valuation Methodology ..................................................................................................................................................................................................... 134\n\nSite Commentary ...................................................................................................................................................................................................................... 138\n"}
diff --git a/chunks/json/6e9a52df3c596fdaed668f0101dde824093042d0bdc88a5124773ea284f54e37.json b/chunks/json/6e9a52df3c596fdaed668f0101dde824093042d0bdc88a5124773ea284f54e37.json
new file mode 100644
index 0000000000000000000000000000000000000000..46a2ade1b5d6ec888e68204a6df2b5b8d953d381
--- /dev/null
+++ b/chunks/json/6e9a52df3c596fdaed668f0101dde824093042d0bdc88a5124773ea284f54e37.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":135185,"char_start":133567,"chunk_id":"chk_0765352ce9a73277","chunk_index":79,"chunk_sha256":"6e9a52df3c596fdaed668f0101dde824093042d0bdc88a5124773ea284f54e37","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"6e9a52df3c596fdaed668f0101dde824093042d0bdc88a5124773ea284f54e37","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/BASEMENT/BASEMENT_FEATUR\nE[@_Type='OutsideEntry']/@_ExistsIndicator\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/FOUNDATION_FEATURE[@_Type\n='SumpPump']/@_ExistsIndicator\n\n147\n\n148\n\n149\n\n150\n\n151\n\n152\n\n153\n\n154\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\nOne and only one of fields 1-134, 1-135, 1-\n136 (values of Building Status Type) should\nbe indicated.\nOne and only one of fields 1-134, 1-135, 1-\n136 (values of Building Status Type) should\nbe indicated.\n\n17\n\n17\n\n20\n\n1\n\n4\n\nEnumerated\n\nEnumerated\n\nString\n\nUAD Instruction - Refer to Appendix D Improvements Section\nThis field should indicate the architectural design of the property. Do not use\ndescriptors such as brick, two stories, average, conventional, or typical.\n\nUAD Requirement - Refer to Appendix D Improvements Section\nThis is a yes/no field that indicates whether the year built is estimated ('Y'\nindicates estimated, 'N' indicates not estimated).\n\nBoolean\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Improvements Section\nThe appraisal report must indicate the subject property's year built in a four-\ndigit format only, such as 1978 or 2002.\n\nDate/Time\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nData Format:\nyyyy\n\n25\n\nString\n\n1\n\n1\n\n1\n\n1\n\n5\n\n3\n\n1\n\n1\n\nBoolean\n\nA value of 'Y' indicates that the box has been checked and a concrete slab\nexists, a value of 'N' indicates that the box has not been checked.\n\nBoolean\n\nA value of 'Y' indicates that the box has been checked and a crawl space exists,\na value of 'N' indicates that the box has not been checked.\n"}
diff --git a/chunks/json/6e9e9a334ad34d5c2c81cccf56693648f8ba069d03cbde0ac566336f2058ada8.json b/chunks/json/6e9e9a334ad34d5c2c81cccf56693648f8ba069d03cbde0ac566336f2058ada8.json
new file mode 100644
index 0000000000000000000000000000000000000000..65b2891fc4cc5329f5bb3df9dc28a3e1dea1120e
--- /dev/null
+++ b/chunks/json/6e9e9a334ad34d5c2c81cccf56693648f8ba069d03cbde0ac566336f2058ada8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":18145,"char_start":16428,"chunk_id":"chk_ad27a120ed29f528","chunk_index":10,"chunk_sha256":"6e9e9a334ad34d5c2c81cccf56693648f8ba069d03cbde0ac566336f2058ada8","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_326eb9ac34de11c7","text_sha256":"6e9e9a334ad34d5c2c81cccf56693648f8ba069d03cbde0ac566336f2058ada8","token_estimate":430,"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":"Level 2 - Bath - Full - Bath 3\n\nLevel 1 - Bath - Half\n\nThis is where the 3rd Full Bath photo would display.\n\nThis is where the Half Bath photo would display.\n\nLevel 1 - Dining Room\n\nLevel 1 - Kitchen\n\nThis is where the Dining Room photo would display.\n\nThis is where the Kitchen photo would display.\n\nLevel 1 - Living Room\n\nWet Bar\n\nThis is where the Living Room photo would display.\n\nThis is where the Wet Bar photo would display.\n\nFunctional Obsolescence\n\nFunctional Issues\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 10 of 23\n\nOutbuilding - Standalone ADU\n\nConsidered Real Property\nUnits in Structure\nGross Building Area\n\nYes\n1\n464 Sq. Ft.\n\nGross Building Area for the outbuilding includes area for vehicle storage,\nADU(s), and any other uses\n\nThis is where the Standalone ADU Front photo would display.\n\nDetail\n\nUtilities\n\nElectricity\nSanitary Sewer\nWater\n\nMechanical System Details\n\nHeating\n\nCooling\n\nSystem\nForced Warm Air\n\nDetail\nElectric\n\nNone\n\nThe table below depicts the area of the outbuilding, excluding vehicle\nstorage and any ADU(s)\nFinish\nFinished\n\nTotal Area\n0 Sq. Ft.\n\nRoom Summary\n\nUnfinished\n\n0 Sq. Ft.\n\nApparent Defects, Damages, Deficiencies (Standalone ADU)\n\nNone\n\nOutbuilding Commentary\n\nThe subject’s outbuilding is a standalone ADU. Please see the Unit Interior - Standalone ADU for details and comments.\n\nOutbuilding Exhibits\n\nRear View\n\nThis is where the Standalone ADU Rear photo would display.\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/6ea1891f01b71db370dbb3cbe2ad78939d4aa405a06e28f9c70c64ecb04dc821.json b/chunks/json/6ea1891f01b71db370dbb3cbe2ad78939d4aa405a06e28f9c70c64ecb04dc821.json
new file mode 100644
index 0000000000000000000000000000000000000000..39690fc0c2c0b83f98ca07cd54f60e63ca166c8c
--- /dev/null
+++ b/chunks/json/6ea1891f01b71db370dbb3cbe2ad78939d4aa405a06e28f9c70c64ecb04dc821.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":532774,"char_start":531166,"chunk_id":"chk_f97118bb79ed5c7f","chunk_index":316,"chunk_sha256":"6ea1891f01b71db370dbb3cbe2ad78939d4aa405a06e28f9c70c64ecb04dc821","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"6ea1891f01b71db370dbb3cbe2ad78939d4aa405a06e28f9c70c64ecb04dc821","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Definition / Additional Guidance\n\nSales Comparison Approach: Site\n\n22.03.13\n22.03.42\n\nSite Influence\n(Location)\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nSite\n•\n\nSite Influence\n4.025\n\nYes\n22.03.43\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\n22.03.13\n22.03.42\n\nSite Influence\n(Location)\n\nIf relevant\n\nRequired when Site\nInfluence is Body of\nWater, and the row is\nincluded in the sales\ncomparison grid\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nSite\n•\n\nBody of Water\nType 4.027\n\nYes\n22.03.43\n\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n\nAgricultural\nAirport\nBody of Water (Body of Water Type displays)\nBusy Roadway\nCommercial Area\nGolf Course\nGreen Space\nHigh Density Residential\nHigh Pressure Gas Line\nHistoric District\nIndustrial Area\nLocal Distribution Line\nOil or Gas Well\nOverhead Electric Power Transmission Line\nPark\nPublic Transportation Hub\nRail Line\nResidential\nSchool\nStormwater Retention\nOther (Describe)\n\nAdditional context specific to the adjustment may be provided in\nReconciliation of Sales Comparison Approach (22.16.01).\n\nBay\nCanal\nCove\nCreek\nGulf\nLake\n\n•\n•\n•\n•\n•\n•\n• Marsh\n•\nOcean\n•\nPond\n•\nReservoir\n•\nRiver\n•\nSound\n•\nOther (Describe)\n\nAppendix F-1: URAR Reference Guide\n\nPage 231 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport\nField ID\n\n22.03.14\n22.03.44\n\nReport Label\n\nApparent\nEnvironmental\nConditions\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n"}
diff --git a/chunks/json/6ea97cf25e082f031e17ed109109d31b9f28e15f253e41fc6ffcfbddf5f3f939.json b/chunks/json/6ea97cf25e082f031e17ed109109d31b9f28e15f253e41fc6ffcfbddf5f3f939.json
new file mode 100644
index 0000000000000000000000000000000000000000..2ed61fe7c9f5e6df0980230a5c47145422550b85
--- /dev/null
+++ b/chunks/json/6ea97cf25e082f031e17ed109109d31b9f28e15f253e41fc6ffcfbddf5f3f939.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":240423,"char_start":238806,"chunk_id":"chk_3c824fe8d76efa57","chunk_index":221,"chunk_sha256":"6ea97cf25e082f031e17ed109109d31b9f28e15f253e41fc6ffcfbddf5f3f939","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"6ea97cf25e082f031e17ed109109d31b9f28e15f253e41fc6ffcfbddf5f3f939","token_estimate":404,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Dwelling\n\nOutbuilding/ADU\n\nPage 173\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay when ImprovementType (UID:\n0300.0009) = “Dwelling” and\nConstructionMethodType (UID: 0300.0034)\n= “Manufactured”\n\nLabel Present for All\nSections\n\n0500.0009\n\nManufacturedHomeHUDCertificateLabelIndic\nator\n\nAlways display\n\nDisplay when (ImprovementType (UID:\n0300.0009) = \"Outbuilding\" AND\nOutbuildingType (UID: 0300.0025) =\n\"ManufacturedHome\" AND\nLivingUnitCount (UID: 0300.0063) > 0)\n\nAlways display\n\nHUD Certification\nNumber\n\n0500.0037\n\nManufacturedHomeHUDCertificationLabelId\nentifier\n\nManufactured Home Certification Program (Figure 9 - 1)\n\n9.018\n\nCertification\n\n0500.0005\n\nManufacturedHomeFinancingProgramEligibili\ntyType\n\nDisplay when Exists\n\nDisplay when\nManufacturedHomeHUDCertificateLabelIndic\nator = “true” OR (when\nManufacturedHomeHUDCertificateLabelIndic\nator = “false” AND Exists)\n\nDisplay when\nManufacturedHomeHUDCertificateLabelIndica\ntor = “true” OR (when\nManufacturedHomeHUDCertificateLabelIndica\ntor = “false” AND Exists)\n\nDisplay subsection when\nManufacturedHomeFinancingProgramEligibil\nityType is not null\n\nNA\n\nReport\nField ID\n\n9.016\n\n9.017\n\n9.019\n\nIdentifier\n\n0500.0004\n\nManufacturedHomeFinancingProgramEligibili\ntyIdentifier\n\nInvoice Information\n\n9.020\n\nPurchased from\nRetailer\n\n0500.0022\n\nManufacturedHomePurchasedFromRetailerI\nndicator\n\n9.021\n\nRetailer Name\n\n0500.0025 ManufacturedHomeRetailerName\n\n9.022\n\n9.023\n\n9.024\n\n9.025\n\nRetailer's Invoice\nReviewed\n\n0500.0023\n\nManufacturedHomeRetailerInvoiceReviewed\nIndicator\n\nManufacturer's\nInvoice Reviewed\n\n0500.0014\n\nManufacturedHomeInvoiceReviewedIndicato\nr\n"}
diff --git a/chunks/json/6eaebcea995bc9a03d27ac6aba24fcee7acc53b3e0ac7cd6e0a5f27ffc5108f8.json b/chunks/json/6eaebcea995bc9a03d27ac6aba24fcee7acc53b3e0ac7cd6e0a5f27ffc5108f8.json
new file mode 100644
index 0000000000000000000000000000000000000000..0d404ae8d9d19c2a334a82f90b31fffae103189c
--- /dev/null
+++ b/chunks/json/6eaebcea995bc9a03d27ac6aba24fcee7acc53b3e0ac7cd6e0a5f27ffc5108f8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":499825,"char_start":498140,"chunk_id":"chk_97b5390ae27468ff","chunk_index":284,"chunk_sha256":"6eaebcea995bc9a03d27ac6aba24fcee7acc53b3e0ac7cd6e0a5f27ffc5108f8","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"6eaebcea995bc9a03d27ac6aba24fcee7acc53b3e0ac7cd6e0a5f27ffc5108f8","token_estimate":421,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Table 154. Confirm Receipt Section\n\nID\n\nUID\n997.084\n\nForm Field Name MISMO v3.3.0 Context MISMO v3.3.0 Data\n\nPoint/Attribute\n\nN/A - XML\n\n…/PARTY/ROLES/ROLE\n\n@xlink:label\n\nMISMO\nv3.3.0 Value\n\nPARTY11_RO\nLE1\n\nNotes\n\nNot shown – relationships\n\n24.1 |\n2.1\n\nApplicant\nSignature\n\nN/A - XML\n\nUID\n997.088\n\n…/ROLE/ROLE_DETAIL\n\nPartyRoleType\n\nBorrower\n\nROF as “Applicant”\n\n…/DOCUMENT/RELATIONS\nHIP\n\n@SequenceNumber 11\n\nNot shown-relationships\n\nAppendix E: UCD Implementation Guide\n\nPage 234 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n24.0 Confirm Receipt\n\nForm Field Name MISMO v3.3.0 Context MISMO v3.3.0 Data\n\nTable 154. Confirm Receipt Section\n\nID\n\nN/A - XML\n\nUID\n997.089\n\nN/A - XML\n\nN/A - XML\n\nN/A - XML\n\nN/A - XML\n\nUID\n997.090\n\nUID\n997.091\n\nUID\n997.104\n\nUID\n0.031\n\n24.2 Date\n\nN/A - XML\n\nUID\n0.051\n\nPoint/Attribute\n\n@xlink:arcrole\n\n@xlink:from\n\n@xlink:to\n\n…/DOCUMENT/SIGNATORI\nES/SIGNATORY\n\n@xlink:label\n\nMISMO\nv3.3.0 Value\n\nurn:fdc:mism\no.org:2009:re\nsidential/\nROLE_IsAssoc\niatedWith_SI\nGNATORY\n\nPARTY11_RO\nLE1\n\nSIGNATORY_\n1\n\nSIGNATORY_\n1\n\nNotes\n\nNot shown-relationships\n\nNot shown- relationships\n\nNot shown- relationships\n\nNot shown – relationships\n\n…/SIGNATORY/EXECUTION\n/EXECUTION_DETAIL\n\nActualSignatureType Wet\n\nNot shown – relationships\n\nExecutionDate\n\n2018-04-18\n\nROF as “April 18, 2018”\n\n…/DOCUMENT/DOCUMEN\nT_CLASSIFICATION/DOCU\nMENT_CLASSIFICATION_D\nETAIL/EXTENSION/OTHER\n\ngse:DocumentSignat\nureRequiredIndicato\nr\n\ntrue\n\nNot shown - relationships\n\n1. MAPPI NG GUI DANCE\n\na. The data points listed above would repeat in the appropriate containers for each signature on the form.\nThe @xlink:label in ROLE and in SIGNATORY would be incremented by 1 for each additional signature.\n"}
diff --git a/chunks/json/6eb1f961e41108e3d80d549600b9ce786919480a10dff670f38a37d79928f728.json b/chunks/json/6eb1f961e41108e3d80d549600b9ce786919480a10dff670f38a37d79928f728.json
new file mode 100644
index 0000000000000000000000000000000000000000..3cf706a8ceb69bd3beb28fb92377ce1c7a368864
--- /dev/null
+++ b/chunks/json/6eb1f961e41108e3d80d549600b9ce786919480a10dff670f38a37d79928f728.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":58553,"char_start":58527,"chunk_id":"chk_0ea0777ce6e96452","chunk_index":34,"chunk_sha256":"6eb1f961e41108e3d80d549600b9ce786919480a10dff670f38a37d79928f728","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"6eb1f961e41108e3d80d549600b9ce786919480a10dff670f38a37d79928f728","token_estimate":7,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf","below_target_min_tokens"]},"text":"End of MF CTF\n\nMF CTF\n\n44\n"}
diff --git a/chunks/json/6ebc78d749e4466093cf85c518b31a438c170cdc8e62a89006efe3a095413063.json b/chunks/json/6ebc78d749e4466093cf85c518b31a438c170cdc8e62a89006efe3a095413063.json
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index 0000000000000000000000000000000000000000..462f65e44dba5606199e7903764633276dfe3540
--- /dev/null
+++ b/chunks/json/6ebc78d749e4466093cf85c518b31a438c170cdc8e62a89006efe3a095413063.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1646,"char_start":0,"chunk_id":"chk_c649dbe2b8290020","chunk_index":0,"chunk_sha256":"6ebc78d749e4466093cf85c518b31a438c170cdc8e62a89006efe3a095413063","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"6ebc78d749e4466093cf85c518b31a438c170cdc8e62a89006efe3a095413063","token_estimate":412,"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":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix D-1: 2- to 4-unit Scenario\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\n6/10/2025\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.\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.\n\n03/29/2023\n\n1.0\n\nInitial Publication\n\nIntroduction\n\nThis report is for a two unit home that fronts to a collector road with high density traffic. The subject\nfalls within USGS Lava Flow Zone 2, a hazard zone, with adverse impact due to volcanic activity.\n\nThe subject property has two detached dwellings with one unit in each dwelling, each unit consisting of\n864 sq. ft. The units have matching layouts and contain two bedrooms, one bathroom, a kitchen, living\nroom, and dining area. Both units have typical wear and tear throughout that does not affect the\nlivability of either unit. Rust is noted on each unit’s metal roof; however, neither roof has ruptures or\nleaks due to the deterioration. The subject has newer impact-resistant glass to protect from potential\nwind damage. One of the units has access to a carport and the other unit has access to a driveway. Each\nunit has its own outdoor shower.\n"}
diff --git a/chunks/json/6ec22d14a1b74be3e318f12bfc13cc1994b9460a969a2767fc1deb399a3809cf.json b/chunks/json/6ec22d14a1b74be3e318f12bfc13cc1994b9460a969a2767fc1deb399a3809cf.json
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index 0000000000000000000000000000000000000000..58f91c5c5cedb38f836beb82b1a01cdc4d380584
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+++ b/chunks/json/6ec22d14a1b74be3e318f12bfc13cc1994b9460a969a2767fc1deb399a3809cf.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10950,"char_start":9002,"chunk_id":"chk_9c4184b93aed9900","chunk_index":5,"chunk_sha256":"6ec22d14a1b74be3e318f12bfc13cc1994b9460a969a2767fc1deb399a3809cf","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_da7dc2023b134aba","text_sha256":"6ec22d14a1b74be3e318f12bfc13cc1994b9460a969a2767fc1deb399a3809cf","token_estimate":487,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Prepayment_Monitoring_Report___U_S__FEDERAL_HOUSIN_i5mnol.md"]},"text":"This report provides insight into how FHFA monitors the consistency of prepayment rates across cohorts of the Enterprises’ TBA-eligible MBS,​​​ where a cohort consists of those Enterprise TBA-eligible securities with the same coupon, maturity, and loan-origination year and total combined issuance across the Enterprises exceeds $10 billion. A prepayment on a mortgage loan is the amount of principal paid in advance of the loan’s scheduled payments. Full prepayment occurs when a borrower pays off the loan ahead of the scheduled maturity.\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/6ec334fabba01039a32fc6fb608381beab5701d5b63d95bdce203d0a0165d42f.json b/chunks/json/6ec334fabba01039a32fc6fb608381beab5701d5b63d95bdce203d0a0165d42f.json
new file mode 100644
index 0000000000000000000000000000000000000000..7386207af261a4d6427096434ac9c75e73fe8bc7
--- /dev/null
+++ b/chunks/json/6ec334fabba01039a32fc6fb608381beab5701d5b63d95bdce203d0a0165d42f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":784457,"char_start":782857,"chunk_id":"chk_f452e4bb976d7f40","chunk_index":467,"chunk_sha256":"6ec334fabba01039a32fc6fb608381beab5701d5b63d95bdce203d0a0165d42f","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"6ec334fabba01039a32fc6fb608381beab5701d5b63d95bdce203d0a0165d42f","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Area Breakdown\nUnfinished Below Grade 10.008\n\nUnit(s)\nUnfinished Area Below Grade 22.07.13\n\nLevel and Room Detail\nFinish (Unfinished) Area 10.031, 10.032\n\nANSI Example 2B: Exterior Access\nOnly\n\nANSI Example 3B: Interior Access\nfrom Common Area\n\nANSI Example 2A: Exterior Access\nOnly\n\nANSI Example 3A: Interior Access\nfrom Common Area\n\nAppendix F-1: URAR Reference Guide\n\nPage 355 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 3: ANSI Examples\n\nANSI Example 2: Below Grade Area with Exterior Access Only\n\nThese examples show a 2-unit property in one dwelling. Each unit is 1,607 square feet, which excludes the area on each floor for the common\nentrance and stairway. There is also 1,800 square feet of below grade area with exterior access only.\n\nExample 2A: Unfinished Below Grade Area\n\nExample 2B: Finished Below Grade Area\n\nAppendix F-1: URAR Reference Guide\n\nPage 356 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 3: ANSI Examples\n\nUnit Interior\n\nExample 2A: Unfinished Below Grade Area\nThe 1,800 square feet of unfinished below grade area with exterior entry only is attributed to the\nfirst floor unit on the URAR.\n\nExample 2B: Finished Below Grade Area\n\nFor the first floor unit, the finished area below grade area is not included in Unit Interior, as it is\nonly reported in Gross Building Finished Area.\n\nThe second floor unit is described without the unfinished below grade area.\n\nFor the second floor unit, the finished area below grade area is not included in Unit Interior, as it is\nonly reported in Gross Building Finished Area.\n\nAppendix F-1: URAR Reference Guide\n"}
diff --git a/chunks/json/6ed1642163214af2429e1e0df944c88a04b25a932360332fb4f3f4cc8aa07c24.json b/chunks/json/6ed1642163214af2429e1e0df944c88a04b25a932360332fb4f3f4cc8aa07c24.json
new file mode 100644
index 0000000000000000000000000000000000000000..46b36277a3e89f02857858dd20b79bb0c965171a
--- /dev/null
+++ b/chunks/json/6ed1642163214af2429e1e0df944c88a04b25a932360332fb4f3f4cc8aa07c24.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":387338,"char_start":385648,"chunk_id":"chk_f90c9339d9d9ebf3","chunk_index":308,"chunk_sha256":"6ed1642163214af2429e1e0df944c88a04b25a932360332fb4f3f4cc8aa07c24","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"6ed1642163214af2429e1e0df944c88a04b25a932360332fb4f3f4cc8aa07c24","token_estimate":423,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"• The column headings in the table always display.\n\nRental Information: Subject Property Rental Information\n\nMISMO Data Point Name\n\nDisplay Rules\n\nReport Field ID Report Label\n\n23.01.01\n\n23.01.02\n\n23.01.03\n\nNo label\n\nCurrently Rented\n\nOccupancy\n\nUnique ID\n\n0700.0114\n\n2000.0093\n\n0700.0070\n\nUnitIdentifier\n\nUnitRentedIndicator\n\nUnitOccupancyType\n\n23.01.04\n\nMonthly Rent\n\n2000.0089\n\nUnitMonthlyActualRentAmount\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nWhen populated, redisplays from 10.002\n\nMust display\n\nRedisplays from 10.020\nMust display\nWhen UnitRentedIndicator = “false”, this must be delivered as 0.\n\nUnique ID\n\n2000.0087\n\n2000.0086\n\n2000.0088\n\n2000.0085\n\nReport Field ID Report Label\n\n23.01.05\n\n23.01.06\n\n23.01.07\n\n23.01.08\n\n23.01.09\n\n23.01.10\n\n23.01.11\n\nMonth-to-Month\n\nLease Start\n\nRent Control\n\nRent Concessions\nUtilities/Services\nIncluded\nFurnished\nDescription of Rent\nControl and Impact\nto\nValue/Marketability\n\nRental Information: Subject Property Rental Information\n\nMISMO Data Point Name\n\nDisplay Rules\n\nMonthToMonthLeaseIndicator\n\nDisplay when UnitRentedIndicator = \"true\"\n\nPage 300\n\nLeaseStartDate\n\nRentControlStatusType\n\nFinancialRentalConcessionIndicator\n\nDisplay when MonthToMonthLeaseIndicator = \"false\" and Exists\n\nMust display\nDisplay when UnitRentedIndicator = \"true\"\n\nDisplay when UnitRentedIndicator = \"true\"\n\n2000.0090\n\nUnitChargesIncludeUtilitiesIndicator\n\n2000.0091\n\nUnitFurnishedIndicator\n\nDisplay when UnitRentedIndicator = \"true\"\n\n2000.0030\n\nRentControlDescription\n\nDisplay when RentControlStatusType (UID: 2000.0088, FID: 23.01.07) = \"true\" for\nany unit in the table.\nA description of rent control for the subject property (overall, not for each unit).\n"}
diff --git a/chunks/json/6ed20527b2cf4dbb615e3c155cfff1191886536bab45db54fe30f63850457864.json b/chunks/json/6ed20527b2cf4dbb615e3c155cfff1191886536bab45db54fe30f63850457864.json
new file mode 100644
index 0000000000000000000000000000000000000000..0dac9cdee4ccf9c55922f4a7ff3e6f3f43233df5
--- /dev/null
+++ b/chunks/json/6ed20527b2cf4dbb615e3c155cfff1191886536bab45db54fe30f63850457864.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12968,"char_start":11532,"chunk_id":"chk_4de2ca1b89f0ff3d","chunk_index":6,"chunk_sha256":"6ed20527b2cf4dbb615e3c155cfff1191886536bab45db54fe30f63850457864","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_1a65065b3ed6f3a3","text_sha256":"6ed20527b2cf4dbb615e3c155cfff1191886536bab45db54fe30f63850457864","token_estimate":427,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Credit_Risk_Transfer___FHFA_wrc2oh.md"]},"text":"[Enterprise Capital Credit Risk Transfer Tool (XLS) (9/15/2021)](/sites/default/files/Enterprise-Capital-CRT-Tool-2021.xlsx)\n\n[*Credit Risk Transfer Progress Report Fourth Quarter 2020* (8/10/2021)](/sites/default/files/2023-05/CRT-Progress-Report-4Q20.pdf)\n\n[FHFA Publishes Credit Risk Transfer Tool (6/2/2020)](/node/9641/)​\n\n[Enterprise Capital Credit Risk Transfer Tool (XLS) (6/2/2020)](/sites/default/files/Enterprise-Capital-CRT-Tool_06022020.xlsx)​​\n\n[*Credit Risk Transfer Progress Report Fourth Quarter 2019* (4/3/2020)](/sites/default/files/2023-05/CRT-Progress-Report-4Q2019.pdf)​\n\n[FHFA Updates Progress o​n Fannie Mae and Freddie Mac Credit Risk Transfer Programs (11/12/2019)](/node/9346/)​\n\n[*Credit Risk Transfer Progress Report S​econd Quarter 2019* (11/12/2019)](/sites/default/files/2023-05/CRT-Progress-Report-2Q19.pdf)​\n\n[FHFA Updates Progress on Fannie Mae and Freddie Mac Credit Risk Transfer Programs (3/28/2019)](/node/9091/)\n\n[*Credit Risk Transfer Progress Report Fourth Quarter 2018* (3/28/2019)](/sites/default/files/2023-05/CRT-Progress-Report-4Q18.pdf)\n\n[FHFA Updates Progress on Fannie Mae and Freddie Mac Credit Risk Transfer Programs (11/1/2018)](/node/8916/)\n\n[*Credit Risk Transfer Progress Report Second Quarter 2018*(11/1/2018)](/sites/default/files/2023-05/CRT-Progress-Report-2Q18.pdf)\n\n[FHFA Updates Progress on Fannie Mae and Freddie Mac Credit Risk Transfer Programs (3/29/2018)](/node/8701/)\n"}
diff --git a/chunks/json/6ee3ed6e047fe126cef0307c2e17cae6410db80de689ee0373ddbd89f4d348ca.json b/chunks/json/6ee3ed6e047fe126cef0307c2e17cae6410db80de689ee0373ddbd89f4d348ca.json
new file mode 100644
index 0000000000000000000000000000000000000000..700b76e130afba12093dc4c04d805ea6eced0526
--- /dev/null
+++ b/chunks/json/6ee3ed6e047fe126cef0307c2e17cae6410db80de689ee0373ddbd89f4d348ca.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12092,"char_start":11600,"chunk_id":"chk_f3e0808c186b1556","chunk_index":16,"chunk_sha256":"6ee3ed6e047fe126cef0307c2e17cae6410db80de689ee0373ddbd89f4d348ca","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"6ee3ed6e047fe126cef0307c2e17cae6410db80de689ee0373ddbd89f4d348ca","token_estimate":437,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Table Elements .............................................................................................................................................. 28\n\nTB - Table Text .................................................................................................................................................... 28\n\nTB-I - Table Text Indented ................................................................................................................................... 28\n"}
diff --git a/chunks/json/6ee50e38df04738755fa4bac93be303fa49de305d0867ebce115ab7c1f52f30c.json b/chunks/json/6ee50e38df04738755fa4bac93be303fa49de305d0867ebce115ab7c1f52f30c.json
new file mode 100644
index 0000000000000000000000000000000000000000..9df03141be9bc7b9f60754b080d9ef39b424009a
--- /dev/null
+++ b/chunks/json/6ee50e38df04738755fa4bac93be303fa49de305d0867ebce115ab7c1f52f30c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":136003,"char_start":134370,"chunk_id":"chk_4b11a523a67c47c0","chunk_index":79,"chunk_sha256":"6ee50e38df04738755fa4bac93be303fa49de305d0867ebce115ab7c1f52f30c","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"6ee50e38df04738755fa4bac93be303fa49de305d0867ebce115ab7c1f52f30c","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Overall Quality and Condition\n\nOverall Quality\nInterior Quality\n\nQ4\nQ4\n\nOverall Condition\nInterior Condition\n\nC3\nC3\n\nReconciliation of Overall Quality and Condition\n\nThe overall quality and condition of the subject building does not adversely affect the overall ratings provided.\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\nAdditional commentary can be added here, if needed by Appraiser.\n\nMarket\n\nMarket Area Boundary Kinross Avenue to the North; Malcolm Avenue to the East; Ohio Avenue to the South; The 405 to the West\n\nSearch Criteria Description The market search was limited by the following factors: Properties that included between 1–2 full bathrooms,\n2–3 bedrooms, that were built between 1960 and 1985 with a closing date between 09/18/2018 and 09/17/2019.\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 10 of 22\nPage 10 of 22\n\nMarket (continued)\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\n29\n$699,999\n$747,000\n$769,000\n2\n\nSales in Past 12 Months\n\nLowest Sale Price\nMedian Sale Price\nHighest Sale Price\n"}
diff --git a/chunks/json/6eec0086de4314b7bca7a43f0670bb32806f96d8f252a9479476fc1779d46217.json b/chunks/json/6eec0086de4314b7bca7a43f0670bb32806f96d8f252a9479476fc1779d46217.json
new file mode 100644
index 0000000000000000000000000000000000000000..e11dc308664fc59222ed3f227b174dc71e4b2d3a
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+++ b/chunks/json/6eec0086de4314b7bca7a43f0670bb32806f96d8f252a9479476fc1779d46217.json
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+{"chunk":{"char_end":1727,"char_start":0,"chunk_id":"chk_efec2d304c8b86eb","chunk_index":0,"chunk_sha256":"6eec0086de4314b7bca7a43f0670bb32806f96d8f252a9479476fc1779d46217","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d758f0521003c884","text_sha256":"6eec0086de4314b7bca7a43f0670bb32806f96d8f252a9479476fc1779d46217","token_estimate":527,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Housing_Mission_Report___U_S__FEDERAL_HOUSING_ho765g.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/mission-report\"\ndate_accessed: \"2026-01-27T17:48:00.905Z\"\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/6ef0bbb568d26864a8fda48547ba59cad034ca196407ba2f75a5f30aa2e416de.json b/chunks/json/6ef0bbb568d26864a8fda48547ba59cad034ca196407ba2f75a5f30aa2e416de.json
new file mode 100644
index 0000000000000000000000000000000000000000..1984c45bcf5bff201c7ccbb3f046846e36ffc8e8
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+++ b/chunks/json/6ef0bbb568d26864a8fda48547ba59cad034ca196407ba2f75a5f30aa2e416de.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":233972,"char_start":232254,"chunk_id":"chk_10df5edb7313c2a6","chunk_index":217,"chunk_sha256":"6ef0bbb568d26864a8fda48547ba59cad034ca196407ba2f75a5f30aa2e416de","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"6ef0bbb568d26864a8fda48547ba59cad034ca196407ba2f75a5f30aa2e416de","token_estimate":429,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Unique ID\n\nParent Container MISMO Attribute Name\n\nSupported Attribute Enumerations\n\n3900.0145\n\nRELATIONSHIP\n\n@xlink:arcrole\n\nurn:fdc:mismo.org:2009:residential/DEFECT ContainsDefectOf IMPROVEMENT\n\n3900.0146\n\nRELATIONSHIP\n\n@xlink:from\n\nDEFECT_n\n\n3900.0147\n\nRELATIONSHIP\n\n@xlink:to\n\nIMPROVEMENT_n\n\n3900.0120\n\nDEFECT\n\n@xlink:label\n\nDEFECT_n\n\n0300.0003\n\nIMPROVEMENT\n\n@xlink:label\n\nIMPROVEMENT_n\n\nEach defect reported in this section must be associated with the building where the defect has been identified. i.e., DEFECT container must\nbe linked (via arcrole) to the instance of the IMPROVEMENT container (ImprovementType = “Dwelling”). When there are multiple Dwellings,\nDEFECT container must be linked to the applicable instance where the defect was identified.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 168\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\n09 Manufactured Home\n\nPage 169\n\nThe Manufactured Home section displays details about the structure, provides space for additional commentary, and exhibits. This section\nrepeats for each manufactured home on the property that is either a dwelling or an ADU.\n\n• When the manufactured home is an outbuilding that is not an ADU, it displays in the Outbuilding section (instead of Manufactured\n\nHome) e.g., a manufactured home that has been physically modified and is no longer livable.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 170\n\nThe Manufactured Home section repeats for each manufactured home on the property that is either a dwelling or an ADU. If there are no\nmanufactured homes on the property, the section does not display.\n"}
diff --git a/chunks/json/6ef6ce0d11a9b45d218dcf2bcb6ef1e40b4ff7ccf0dd317ec1c57a0a3568b3d5.json b/chunks/json/6ef6ce0d11a9b45d218dcf2bcb6ef1e40b4ff7ccf0dd317ec1c57a0a3568b3d5.json
new file mode 100644
index 0000000000000000000000000000000000000000..3542a2c9b56cc443cf120670214ff7833cf35df5
--- /dev/null
+++ b/chunks/json/6ef6ce0d11a9b45d218dcf2bcb6ef1e40b4ff7ccf0dd317ec1c57a0a3568b3d5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1197075,"char_start":1195615,"chunk_id":"chk_e16e46c062cfece8","chunk_index":711,"chunk_sha256":"6ef6ce0d11a9b45d218dcf2bcb6ef1e40b4ff7ccf0dd317ec1c57a0a3568b3d5","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"6ef6ce0d11a9b45d218dcf2bcb6ef1e40b4ff7ccf0dd317ec1c57a0a3568b3d5","token_estimate":425,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"PDF Display Format:\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis field indicates the number of finished bedrooms in the basement.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nPDF Display Format:\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis field indicates the number of finished bathrooms in the basement.\n\n1\n\nNumeric\n\n1\n\nNumeric\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\n\nThe sum of this field 2-80 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, 2-82, 2-84, 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\nThis field is required if the value of field e-18\n(GSE Below Grade Total Square Feet Number)\nis greater than zero.\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\nThe sum of this field 2-82 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, 2-84, 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\nThis field is required if the value of field e-19\n(GSE Below Grade Finish Square Feet Number)\nis greater than zero.\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"}
diff --git a/chunks/json/6ef94fa3b128029342392c331cb1e90df5ee732a8af057084d11672833a9d69f.json b/chunks/json/6ef94fa3b128029342392c331cb1e90df5ee732a8af057084d11672833a9d69f.json
new file mode 100644
index 0000000000000000000000000000000000000000..f7ccf75c64f193b0009d2db0b8da4774147fdc0d
--- /dev/null
+++ b/chunks/json/6ef94fa3b128029342392c331cb1e90df5ee732a8af057084d11672833a9d69f.json
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+{"chunk":{"char_end":64014698,"char_start":0,"chunk_id":"chk_b78158f2ae9db245","chunk_index":0,"chunk_sha256":"6ef94fa3b128029342392c331cb1e90df5ee732a8af057084d11672833a9d69f","date_utc":"2026-01-27T18:11:37+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_8f7437c342632057","text_sha256":"6ef94fa3b128029342392c331cb1e90df5ee732a8af057084d11672833a9d69f","token_estimate":1152,"warnings":["source_path=Public_Use_Database___FHFA/links/_.csv/ama_pudb_export_123109.csv","exceeds_max_chunk_chars_truncated"]},"text":"Year: 2009 | LoanNumber: 1 | Program: 6 | FIPSStateCode: 39 | FIPSCountyCode: 37 | MSA: 99999 | Tract: 5701.02 | MinPer: 1.8 | TraMedY: 45735 | LocMedY: 43801 | Tractrat: 1.04 | Income: 39312 | CurAreY: 51600 | IncRat: 0.7619 | UPB: 156200 | LTV: 0.7 | MortDate: 2009 | AcquDate: 2009 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 360 | AmorTerm: 360 | FHFBID: 10240 | Seller: FARMERS STATE BANK & TRUST CO | SellCity: NEW MADISON | SellSt: OH | SellType: 1 | NumBor: 1 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 8 | BoSex: 1 | CoSex: 4 | BoAge: 35 | CoAge: 98 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 1 | Rate: 0.0463 | Amount: 156200 | Front: 0.31 | Back: 0.31 | Borrower Credit Score: 5 | Co Borrower Credit Score: 9 | PMI: 0 | Self: 2 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 5 | Corace2: 8 | Corace3: 8 | Corace4: 8 | Corace5: 8 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 4 | GSEREO: 2\nYear: 2009 | LoanNumber: 2 | Program: 6 | FIPSStateCode: 21 | FIPSCountyCode: 117 | MSA: 17140 | Tract: 647 | MinPer: 2.43 | TraMedY: 67218 | LocMedY: 54771 | Tractrat: 1.23 | Income: 75322 | CurAreY: 66200 | IncRat: 1.1378 | UPB: 148000 | LTV: 0.8 | MortDate: 2009 | AcquDate: 2009 | Purpose: 1 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 360 | AmorTerm: 360 | FHFBID: 52786 | Seller: VICTORY COMMUNITY BANK | SellCity: Fort Mitchell | SellSt: KY | SellType: 1 | NumBor: 1 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 8 | BoSex: 1 | CoSex: 4 | BoAge: 36 | CoAge: 98 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0488 | Amount: 148000 | Front: 0.19 | Back: 0.23 | Borrower Credit Score: 5 | Co Borrower Credit Score: 9 | PMI: 0 | Self: 2 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 5 | Corace2: 8 | Corace3: 8 | Corace4: 8 | Corace5: 8 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 4 | GSEREO: 2\nYear: 2009 | LoanNumber: 3 | Program: 6 | FIPSStateCode: 21 | FIPSCountyCode: 211 | MSA: 31140 | Tract: 405 | MinPer: 16.38 | TraMedY: 66717 | LocMedY: 49301 | Tractrat: 1.35 | Income: 40344 | CurAreY: 59400 | IncRat: 0.6792 | UPB: 104000 | LTV: 0.65 | MortDate: 2009 | AcquDate: 2009 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 360 | AmorTerm: 360 | FHFBID: 9247 | Seller: CITIZENS UNION BANK | SellCity: Shelbyville | SellSt: KY | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 5 | BoSex: 1 | CoSex: 2 | BoAge: 42 | CoAge: 38 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 1 | Rate: 0.0488 | Amount: 104000 | Front: 0.23 | Back: 0.24 | Borrower Credit Score: 5 | Co Borrower Credit Score: 5 | PMI: 0 | Self: 2 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 2 | Corace2: 6 | Corace3: 6 | Corace4: 6 | Corace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 4 | GSEREO: 2\nYear: 2009 | LoanNumber: 4 | Program: 6 | FIPSStateCode: 21 | FIPSCountyCode: 123 | MSA: 21060 | Tract: 9601 | MinPer: 8.06 | TraMedY: 40083 | LocMedY: 42911 | Tractrat: 0.93 | Income: 88440 | CurAre\n"}
diff --git a/chunks/json/6f1610f63c42d487565e82dc578b28ebae1405e4fec7127a2a7da899d4a662d5.json b/chunks/json/6f1610f63c42d487565e82dc578b28ebae1405e4fec7127a2a7da899d4a662d5.json
new file mode 100644
index 0000000000000000000000000000000000000000..1ce81aa0672e8b05c3d686661c1de6db91ec05eb
--- /dev/null
+++ b/chunks/json/6f1610f63c42d487565e82dc578b28ebae1405e4fec7127a2a7da899d4a662d5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1291,"char_start":0,"chunk_id":"chk_3ecf18dde2786014","chunk_index":0,"chunk_sha256":"6f1610f63c42d487565e82dc578b28ebae1405e4fec7127a2a7da899d4a662d5","date_utc":"2026-01-27T18:02:38+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_566a2b9c6bc47580","text_sha256":"6f1610f63c42d487565e82dc578b28ebae1405e4fec7127a2a7da899d4a662d5","token_estimate":323,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/earlycheck-enhancements-overview.pdf"]},"text":"EarlyCheck Release\nEnhancement Rollout\n\nDear Integrated Partner,\n\nAugust 3, 2022\n\nThe enhanced user interface (UI) version of EarlyCheck™ was launched on July 11, 2022. On August 8, 2022, customers integrated through an LOS will be\nautomatically routed to the enhanced EarlyCheck (TM) platform; no action is required.\n\n• To review submissions via the UI, use this link (https://earlycheck.fanniemae.com/).\n•\n• Please read our updated FAQs\n\nVisit the EarlyCheck webpage for supporting resources.\n\nLegacy EarlyCheck\n\nEnhanced EarlyCheck\n\nFile Types\n\nOrigination: 1003, MISMO AUS 2.3.1, MISMO\nULAD 3.4\n\nOrigination: MISMO ULAD 3.4\n\nDelivery: MISMO ULDD 3.0\n\nDelivery: MISMO ULDD 3.0\n\nPlatform\n\nOn premise server\n\nCloud-based\n\nUser Interface\n\nStandard UI\n\nSimplified, easy to navigate UI\n\nFindings Report Critical edits are not consolidated\n\nAt-a-glance summary identifies critical edits\nmore easily\n\nFor those already using Enhanced EarlyCheck, you may disregard this message. For issues or questions, please contact our support center at (800-2FANNIE\n(800-232-6643) or your Fannie Mae account representative.\n\nFor information on EarlyCheck enhancements prior to July 2022, please refer to the Release Notes archive document available on the EarlyCheck\nhomepage.\n\n© 2022 Fannie Mae August 2022\n"}
diff --git a/chunks/json/6f1dbf40d7c122f391a898243d4ffeaaf05370e39a461c1a458567c49a921a4f.json b/chunks/json/6f1dbf40d7c122f391a898243d4ffeaaf05370e39a461c1a458567c49a921a4f.json
new file mode 100644
index 0000000000000000000000000000000000000000..fe6044272254385461ba83deb08c0c9f4eac1cc8
--- /dev/null
+++ b/chunks/json/6f1dbf40d7c122f391a898243d4ffeaaf05370e39a461c1a458567c49a921a4f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12284,"char_start":10684,"chunk_id":"chk_772cd2ed1cfdc885","chunk_index":6,"chunk_sha256":"6f1dbf40d7c122f391a898243d4ffeaaf05370e39a461c1a458567c49a921a4f","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_833832bcbd7b659d","text_sha256":"6f1dbf40d7c122f391a898243d4ffeaaf05370e39a461c1a458567c49a921a4f","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Representation_and_Warranty_Framework___FHFA_7tfg5e.md"]},"text":"All together, these improvements are intended to provide more certainty for lenders, facilitate greater liquidity to the primary market, and help increase access to credit without compromising safety and soundness.\n\n## Links to Representation and Warranty Documents:​\n\n- [FHFA, Fannie Mae and Freddie Mac Announce Independent Dispute Resolution Program (02/02/2016)​](/news/news-release/fhfa-fannie-mae-and-freddie-mac-announce-independent-dispute-resolution-program)\n- [FHFA Statement: Statement of FHFA Director Melvin L. Watt on the Finalization of Life-of-Loan Representation and Warranty Exclusions (11/20/2014)](/news/statement/statement-of-fhfa-director-melvin-l.-watt-on-the-finalization-of-life-of-loan-representation-and)\n- [FHFA News Release: FHFA, Fannie Mae and Freddie Mac Launch New Representation and Warranty Framework (9/11/2012)](/news/news-release/fhfa-fannie-mae-and-freddie-mac-launch-new-representation-and-warranty-framework)\n- [FHFA Scorecards](/reports/conservatorships-performance-goals-scorecard)\n- [Fannie Mae Summary: Representations and Warranties Framework](https://selling-guide.fanniemae.com/sel/a2-2-01/representations-and-warranties-overview)\n- [Freddie Mac Summary: Selling Representation and Warranty Framework](https://sf.freddiemac.com/working-with-us/selling-delivery/delivery-options-pricing/selling-representation-and-warranty-framework)\n- [Freddie Mac Seller/Servicer Guide Bulletin on servicing remedies framework (12/16/2015)](http://www.freddiemac.com/singlefamily/guide/bulletins/pdf/bll1522.pdf)​​​\n\nSign up for email updates\n\nLeave this field blank\n"}
diff --git a/chunks/json/6f20efbdb4c6e4b7ab70eb9972cb2f7885e9621fc01067a327fbdf16ff83f28c.json b/chunks/json/6f20efbdb4c6e4b7ab70eb9972cb2f7885e9621fc01067a327fbdf16ff83f28c.json
new file mode 100644
index 0000000000000000000000000000000000000000..ba91df81e1df11c5b2128880bdf8164cba7ae095
--- /dev/null
+++ b/chunks/json/6f20efbdb4c6e4b7ab70eb9972cb2f7885e9621fc01067a327fbdf16ff83f28c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":421101,"char_start":419490,"chunk_id":"chk_73a2afe1653f8bb1","chunk_index":328,"chunk_sha256":"6f20efbdb4c6e4b7ab70eb9972cb2f7885e9621fc01067a327fbdf16ff83f28c","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"6f20efbdb4c6e4b7ab70eb9972cb2f7885e9621fc01067a327fbdf16ff83f28c","token_estimate":403,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"represents 25.10%).\n\no Total Depreciation - DepreciationTotalAmount (UID: 1100.0045, FID: 25.016)\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n• Mutually exclusive with physical depreciation, external depreciation, and functional depreciation. Deliver\n\neven if the value is zero.\n\n• Manufactured Home Delivery Installation and Setup - ManufacturedHomeInstallationCostAmount (UID: 1100.0038, FID: 25.017)\n\no This is an aggregate number representing the sum of physical, functional, and external depreciation.\n\ndisplays\n\no When CostApproachIndicator = \"true\" AND (ConstructionMethodType = \"Manufactured\" OR OutbuildingType =\n\nPage 331\n\n“ManufacturedHome”)\no Cannot be delivered as zero.\n\n• Total – Display ImprovementEstimatedTotalCostAmount (UID: 1100.0053, FID: 25.018) when CostApproachIndicator = \"true\"\n\no Calculated for the dwelling as follows: ((sum of all 'ReplacementOrReproductionCostAmount') +\n\n'ManufacturedHomeInstallationCostAmount' (if applicable) -\n((DepreciationPhysicalAmount + DepreciationFunctionalAmount + DepreciationExternalAmount) or DepreciationTotalAmount))\n\nFigure 25 - 3\n\nRemaining Economic Life and Effective Age for Dwelling\n\nDisplay “years” following the number.\n\n• Remaining Economic Life - EstimatedRemainingEconomicLifeYearsCount (UID: 0300.0041, FID: 25.019) displays\n\no When (ImprovementType = \"Dwelling\" AND CostApproachIndicator = \"true\")\n\n• Commentary on Remaining Economic Life - EstimatedRemainingEconomicLifeDescription (UID: 0300.0040, FID: 25.021) displays\n\no When EstimatedRemainingEconomicLifeYearsCount < 30 OR Exists\n\nAppendix B-1: URAR Implementation Guide v1.3\n"}
diff --git a/chunks/json/6f2e0dd8b8247b9bcc0e948ea4745c3e8a033a2bec23876d407b09df22b68862.json b/chunks/json/6f2e0dd8b8247b9bcc0e948ea4745c3e8a033a2bec23876d407b09df22b68862.json
new file mode 100644
index 0000000000000000000000000000000000000000..2a810b990220e7f2e30a31412f984faacdf008ae
--- /dev/null
+++ b/chunks/json/6f2e0dd8b8247b9bcc0e948ea4745c3e8a033a2bec23876d407b09df22b68862.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":48464,"char_start":46708,"chunk_id":"chk_7220b439537b5d90","chunk_index":28,"chunk_sha256":"6f2e0dd8b8247b9bcc0e948ea4745c3e8a033a2bec23876d407b09df22b68862","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"6f2e0dd8b8247b9bcc0e948ea4745c3e8a033a2bec23876d407b09df22b68862","token_estimate":439,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Reporting Format: Design (Style) – Text\n\nPage 25 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\nYear Built\nThe appraiser must indicate the year the\nsubject property was built. If it is unknown or\nunavailable to the appraiser within the normal\ncourse of business, the appraiser must\nestimate the year the subject property was\nbuilt.\n\nReporting Format:\nYear Built – 4-digit number, yyyy\nEstimation of Year Built – A tilde (~) must\nprecede the year built\n\nExamples:\n1978\n~1950 (The PDF creator will insert the tilde)\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*FIELD IS LOCATED IN\nPROJECT\nINFORMATION\nSECTION\n\nBasement Area, Basement Finish\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\nIf a basement exists, the appraiser must\nindicate the basement size in square feet and\nthe percentage of the basement that is\nfinished. If there is no basement, enter the\nnumeral zero (0) in both fields.\n\nReporting Format:\nBasement Area – Numeric to 5 digits, whole\nnumbers only\nBasement Finish– Numeric to 3 digits, whole\nnumbers only\n\nPage 26 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"}
diff --git a/chunks/json/6f376aed33bd453423138b543e56d8280d3779ff9f351c0573ee10f2215d44cb.json b/chunks/json/6f376aed33bd453423138b543e56d8280d3779ff9f351c0573ee10f2215d44cb.json
new file mode 100644
index 0000000000000000000000000000000000000000..e1e60b4456ac43d5445689f94eed687708573252
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+++ b/chunks/json/6f376aed33bd453423138b543e56d8280d3779ff9f351c0573ee10f2215d44cb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":627453,"char_start":625812,"chunk_id":"chk_d734ed4e7b7646c7","chunk_index":373,"chunk_sha256":"6f376aed33bd453423138b543e56d8280d3779ff9f351c0573ee10f2215d44cb","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"6f376aed33bd453423138b543e56d8280d3779ff9f351c0573ee10f2215d44cb","token_estimate":410,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Examples of scenarios with 3 comparables:\n•\n\nThe appraiser relied primarily on 2 comparables that were given\nequal consideration and included a third comparable as supporting\nthe data. Select Most, Most, and Less.\nThe appraiser relied primarily on 1 comparable that was given\nmost consideration, and included 2 comparables that were\nconsidered to be representative but less relevant than the primary\ncomparable. Select Most, Less, and Less.\nAll comparables were equally considered good market indicators.\nSelect Most, Most, and Most.\n\n•\n\n•\n\nAppendix F-1: URAR Reference Guide\n\nPage 275 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nComparable Weight – Choose one answer for each Comparable\n\nMost\n\nLess\n\nNo Weight\n\nThe contribution of the comparable was given more or most emphasis compared to other comparables.\n\nThe contribution of the comparable was given less emphasis than comparables weighted as Most.\n\nThe comparable was included but given no weight.\nExample: The property is similar to the subject but was given no weight due to extenuating circumstances, such as a model\nmatch that was not a typical market transaction.\n\nNote: Do not select this answer if a property was considered (but not included in the sales grid) to demonstrate a special\nor specific feature, but overall the property was not considered significant enough to affect value. These should be\nincluded in the Additional Properties Analyzed Not Used subsection.\n\nIndicated Value by Sales Comparison Approach\n\nSales Comparison Approach – Indicated Value by Sales Comparison Approach\n"}
diff --git a/chunks/json/6f3fa3527108052715d759f88bc2a781252bbea382b248939f1d0af71ca1d283.json b/chunks/json/6f3fa3527108052715d759f88bc2a781252bbea382b248939f1d0af71ca1d283.json
new file mode 100644
index 0000000000000000000000000000000000000000..7e1d40e46a67b9cfc9e4fd71392049bd619aa58e
--- /dev/null
+++ b/chunks/json/6f3fa3527108052715d759f88bc2a781252bbea382b248939f1d0af71ca1d283.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":27722,"char_start":26212,"chunk_id":"chk_d24e8bd7e192bb4b","chunk_index":19,"chunk_sha256":"6f3fa3527108052715d759f88bc2a781252bbea382b248939f1d0af71ca1d283","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6fb273234d375c90","text_sha256":"6f3fa3527108052715d759f88bc2a781252bbea382b248939f1d0af71ca1d283","token_estimate":425,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-numbered-closing-disclosure.pdf"]},"text":"$\n\nLoan Estimate\n10.10.1\n10.10 Loan Amount\n10.1\n10.1.1\n10.2 Closing Costs Paid Before Closing 10.2.1\n\nTotal Closing Costs (J)\n\n$ 10.10.2\n-$ 10.1.2\n$0 10.2.2\n\nFinal\n\nDid this change? (Complete if “YES”)\n\n$ 10.10.3 NO/YES 10.1.4 ▪ You increased/decreased this amount\n-$ 10.1.3 NO/YES 10.1.4 ▪ See Total Loan Costs (D) and Total Other Costs (I)\n$ 10.2.3 NO/YES 10.2.4 ▪ You paid these Closing Costs before closing\n\n▪ Increase exceeds legal limits by $200. See\n Lender Credits on page 2 for credit of excess amount.\n\n10.11 Total Payoffs and Payments (K)\n\n10.11.1\n\n-$ 10.11.2\n\n-$ 10.11.3 NO/YES 10.11.4 ▪ See Payoffs and Payments (K)\n\n10.9 Cash to Close\n\n$\n\n10.9.1\n10.9.3\nFrom (if -)\nTo (if +)\nBorrower\n\n$\n\n10.9.2\n10.9.4\nFrom (if -)\nTo (if +)\nBorrower\n\n10.3 Closing Costs Financed (Paid from your Loan Amount) 10.3.2\n\n$\n\nCLOSING DISCLOSURE\n\nPAGE 3 OF 5 ▪ LOAN ID #\n\nUniform Closing Dataset v2.0\n\nNumbered Alternate 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/6f46616181556d86956b417e6add2410da144a7c63b301a26250c14a82ddedd5.json b/chunks/json/6f46616181556d86956b417e6add2410da144a7c63b301a26250c14a82ddedd5.json
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index 0000000000000000000000000000000000000000..01080420bc561b2c696cd1dbce948636257a31f9
--- /dev/null
+++ b/chunks/json/6f46616181556d86956b417e6add2410da144a7c63b301a26250c14a82ddedd5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13890,"char_start":12436,"chunk_id":"chk_1d0405bfd5c37c66","chunk_index":7,"chunk_sha256":"6f46616181556d86956b417e6add2410da144a7c63b301a26250c14a82ddedd5","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_803e35193cb4a939","text_sha256":"6f46616181556d86956b417e6add2410da144a7c63b301a26250c14a82ddedd5","token_estimate":407,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Blogs___FHFA_0tygc.md"]},"text":"November 26, 2024\n\n## [The Dynamics of FHFA Conforming Loan Limits and House Prices](/blog/insights/the-dynamics-of-fhfa-conforming-loan-limits-and-house-prices)\n\nLarge increases in the FHFA Conforming Loan Limit values in recent years have raised concerns that those changes may be permitting Enterprise loan acquisitions to drift into higher-priced segments of the housing market. We find that Enterprise-acquired loans close to the limit have not shifted...\n - FHFA Statistics\n\nNovember 25, 2024\n\n## [The Volume and Median Value of FHA Single-Family Appraisals Rose over the Past Year and Quarter](/blog/fhfa-statistics/the-volume-and-median-value-of-fha-single-family-appraisals-rose-over-the-past-year-and-quarter)\n\nThe volume of purchase and refinance FHA appraisals increased between the second quarters of 2023 and 2024 and between the first and second quarters of 2024. The median appraised value for FHA purchase appraisals also increased over the past year and quarter. The Federal Housing Finance Agency (FHFA...\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 - [Next](?page=1)\n - [Last](?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\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/6f738324b11c31902e8aa8fe1d6c129d56b7b8df2dc213f2a35d2a4edcb57133.json b/chunks/json/6f738324b11c31902e8aa8fe1d6c129d56b7b8df2dc213f2a35d2a4edcb57133.json
new file mode 100644
index 0000000000000000000000000000000000000000..f4563a45a187840774bbc3f44cb3666497b86430
--- /dev/null
+++ b/chunks/json/6f738324b11c31902e8aa8fe1d6c129d56b7b8df2dc213f2a35d2a4edcb57133.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":347562,"char_start":345961,"chunk_id":"chk_db1d833cbf32cd2f","chunk_index":192,"chunk_sha256":"6f738324b11c31902e8aa8fe1d6c129d56b7b8df2dc213f2a35d2a4edcb57133","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"6f738324b11c31902e8aa8fe1d6c129d56b7b8df2dc213f2a35d2a4edcb57133","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":"• New or newly converted condo\n\n•\n\n•\n\n•\n\nproject consisting of attached units located in\nFlorida\nLimited or shared equity co-op projects,\nprovided the limited or shared equity\nprovisions are designed to preserve or\npromote access to affordable housing\n\nEstablished condo project consisting of\nsingle-section manufactured homes\nEstablished condo or established PUD\nproject consisting of manufactured\nhomes subject to a community land trust,\ndeed restriction, ground lease, or shared\nequity arrangement\n\nFannie Mae Review through the streamlined PERS process\n\nUnit in a PUD project\n\nProject review is waived, with the exception of some basic\nrequirements that apply\n\nUnit in a condo project approved by the FHA\n\nFHA Project Approval (see Selling Guide B4-2.2-05, FHA-\nApproved Condo Review Eligibility for additional details)\n\nNote: Unless specifically noted in the above table, all references to manufactured homes may be single-section, multi-section, or a\ncombination of both.\n\nWaiver of Project Review\n\nFannie Mae does not require a thorough project review for several types of projects or loan transactions, including:\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 133 of 166\n\nUAD 3.6 Policy\n\n• detached condo units;\n• units in a two- to four-unit condo project;\n• units in a PUD project, except for PUD projects consisting of single-section and/or multi-section manufactured\nhomes subject to a community land trust, deed restriction, ground lease, or shared equity arrangement;\nFannie Mae to Fannie Mae limited cash-out refinances with LTV ratios < 80%; and\n\n•\n• high LTV refinance loans.\n"}
diff --git a/chunks/json/6f8f3cac0db0f1bf4c695f089d71bad606d2cc22e660fb9cee91de93d60d8f8c.json b/chunks/json/6f8f3cac0db0f1bf4c695f089d71bad606d2cc22e660fb9cee91de93d60d8f8c.json
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index 0000000000000000000000000000000000000000..5d6d2d1c89c3d24295319024f0ae66d3225ff43b
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+++ b/chunks/json/6f8f3cac0db0f1bf4c695f089d71bad606d2cc22e660fb9cee91de93d60d8f8c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":83453,"char_start":81602,"chunk_id":"chk_eb4bed9ddfa1c8e3","chunk_index":81,"chunk_sha256":"6f8f3cac0db0f1bf4c695f089d71bad606d2cc22e660fb9cee91de93d60d8f8c","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"6f8f3cac0db0f1bf4c695f089d71bad606d2cc22e660fb9cee91de93d60d8f8c","token_estimate":463,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"29.026\n\n6. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal\nreport.\n\n29.027\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\n29.028\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\n29.029\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\n29.030\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\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"}
diff --git a/chunks/json/6f972b4c24d5af9a189b8272a7a9a0f1634f71b075343496bf274ffc9cbc3103.json b/chunks/json/6f972b4c24d5af9a189b8272a7a9a0f1634f71b075343496bf274ffc9cbc3103.json
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index 0000000000000000000000000000000000000000..84831835271fa8302bf96dea557aef34fdffea1a
--- /dev/null
+++ b/chunks/json/6f972b4c24d5af9a189b8272a7a9a0f1634f71b075343496bf274ffc9cbc3103.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":171735,"char_start":170132,"chunk_id":"chk_cc0b26f6547803f6","chunk_index":100,"chunk_sha256":"6f972b4c24d5af9a189b8272a7a9a0f1634f71b075343496bf274ffc9cbc3103","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"6f972b4c24d5af9a189b8272a7a9a0f1634f71b075343496bf274ffc9cbc3103","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"IMPROVEMENTS\n\nFinished Area Above\nGrade Contains\nRooms\n\nFinished Area Above\nGrade Contains\nBedrooms\n\nFinished Area Above\nGrade Contains\nBath(s)\n\nTotal Room Count\n\nSpecifies the total number of livable\nrooms.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/@TotalRoomCount\n\nTotal Bedroom Count\n\nSpecifies the total number of\nbedrooms.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/@TotalBedroomCount\n\nTotal Bathroom\nCount\n\nSpecifies the total number of\nbathrooms.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/@TotalBathroomCount\n\n2\n\n2\n\n5\n\nNumeric\n\nNumeric\n\nNumeric\n\nUAD Requirement - Refer to Appendix D Improvements Section\nSpecify Above Grade Rooms Only\n\nPDF Display Format:\nWhole numbers only.\nUAD Requirement - Refer to Appendix D Improvements Section\nSpecify Above Grade Bedrooms Only\n\nPDF Display Format:\nWhole numbers only.\nUAD Requirement - Refer to Appendix D Improvements Section\nSpecify Above Grade Bathrooms Only\n\nPDF Display Format:\nFull Bath Count.Half Bath Count\nnn.nn\n\n222\n\n1\n\n216\n\nIMPROVEMENTS\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\nThis field should be populated if field 1-212\n(Kitchen Equipment Exists Indicator) is\nindicated.\n\nIf at least one of fields 1-199, 1-201 is\nindicated (Car Storage Location Type =\n'Garage' or 'Carport', and Car Storage\nLocation Exists Indicator = 'Y'), than at least\none of fields 1-203,1-204,1-205 (types of Car\nStorage Attachment Type) should be indicated.\nIf neither of fields 1-199, 1-201 are indicated\nthen none of fields 1-203,1-204,1-205 should\nbe indicated.\n"}
diff --git a/chunks/json/6fab62d80c20cb102c88fa4ce70d7626834728b504e66a5131998cd839d655cc.json b/chunks/json/6fab62d80c20cb102c88fa4ce70d7626834728b504e66a5131998cd839d655cc.json
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index 0000000000000000000000000000000000000000..0d77bc6faf7209e55b46018cee52983e37ed6099
--- /dev/null
+++ b/chunks/json/6fab62d80c20cb102c88fa4ce70d7626834728b504e66a5131998cd839d655cc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":186169,"char_start":184397,"chunk_id":"chk_0d91400d40bd9554","chunk_index":104,"chunk_sha256":"6fab62d80c20cb102c88fa4ce70d7626834728b504e66a5131998cd839d655cc","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"6fab62d80c20cb102c88fa4ce70d7626834728b504e66a5131998cd839d655cc","token_estimate":443,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Over-Improvements\n\nAn over-improvement is an improvement that is larger or costlier than what is typical for the market area. For example, a 4,000\nsquare foot home located in an area of homes where the typical home is 2,000 square feet, may be considered an over-\nimprovement. Furthermore, a home with an in-ground pool in an area where pools are not typical may also be considered an\nover-improvement. The appraiser must comment on over-improvements and indicate their contributory value in the Sales\nComparison Approach adjustment grid.\n\nImprovements can represent an over-improvement for the market area, but still be within the neighborhood price range, such as\na property with an in-ground pool, a large addition, or an oversized garage in a market that does not demand these kinds of\nimprovements.\n\nThe fact that the property is an over-improvement does not necessarily make the property ineligible. However, lenders must\nreview appraisals on properties with over-improvements that may not be acceptable to the typical purchaser to ensure that only\nthe contributory value of the over-improvement is reflected in the appraisal analysis.\n\nLand Use\n\nWhen different land uses and property types are present, the appraiser should take it into consideration when developing an\nanalysis and defining the market area boundaries. This will help determine any positive or negative effects of mixed land uses.\nThe appraiser should select comparable sales from within the same market area whenever possible to minimize any land use\ndifferences affecting value or marketability. If this is not possible, the appraiser may need to make a market supported location\nadjustment in the Sales Comparison Approach for sales that do not share the same characteristic(s) or externalities.\n"}
diff --git a/chunks/json/6fbe8640c36dad02370a356695aceb6bdc34a61b841501e4a86020a52f62b694.json b/chunks/json/6fbe8640c36dad02370a356695aceb6bdc34a61b841501e4a86020a52f62b694.json
new file mode 100644
index 0000000000000000000000000000000000000000..f808ea00d6b47e0dd36892da544f3dac0051ccfd
--- /dev/null
+++ b/chunks/json/6fbe8640c36dad02370a356695aceb6bdc34a61b841501e4a86020a52f62b694.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3371,"char_start":1754,"chunk_id":"chk_c293f310519e9e04","chunk_index":1,"chunk_sha256":"6fbe8640c36dad02370a356695aceb6bdc34a61b841501e4a86020a52f62b694","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"6fbe8640c36dad02370a356695aceb6bdc34a61b841501e4a86020a52f62b694","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":"• Dwelling Exterior\n\no Construction Method: Manufactured Home\n\n• Manufactured Home\n\no\n\nIncludes Invoice Information subsection\n\n• Two outbuildings\n\no Barn\no Rec Room/Garage\n\n• Approaches to Value\n\no Sales Comparison Approach\no Cost Approach\n\n• Defects, Damages, Deficiencies – one on the barn with no recommended action\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, SOME CITY, VA 20141\n\nSUMMARY\n\nOpinion of Market Value\n\n$445,000\n\nMarket Value Condition\n\nAs Is\n\nEffective Date of Appraisal\nAssignment Reason\nBorrower Name\n\n09/25/2019\nRefinance\nHarry James\nJennifer James\n\nCurrent Owner of Public Record Harry James\n\nProperty Valuation Method\nAppraiser Name\n\nTraditional Appraisal\nAnnie Appraiser\n\nListing Status\n\nProperty Description\n\nConstruction Method\nAttachment Type\n\nJennifer Jones\nNone\n\nManufactured\nDetached\n\nOverall Quality\nOverall Condition\n\nQ4\nC1\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\nLand Use\nProperty Restriction\nNo Zoning\nZoning Compliance\nHUD Data Plate Attached\nYes\nHUD Label Present for All Sections Yes\n"}
diff --git a/chunks/json/6fc6b0b8aaafe1c119411cc24b23cc97ede051e64628f3eb02336e301d892110.json b/chunks/json/6fc6b0b8aaafe1c119411cc24b23cc97ede051e64628f3eb02336e301d892110.json
new file mode 100644
index 0000000000000000000000000000000000000000..89cff73a3e88a004aba110b49a2795d2cc51393f
--- /dev/null
+++ b/chunks/json/6fc6b0b8aaafe1c119411cc24b23cc97ede051e64628f3eb02336e301d892110.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":305455,"char_start":303817,"chunk_id":"chk_6da0207111d31a3a","chunk_index":260,"chunk_sha256":"6fc6b0b8aaafe1c119411cc24b23cc97ede051e64628f3eb02336e301d892110","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"6fc6b0b8aaafe1c119411cc24b23cc97ede051e64628f3eb02336e301d892110","token_estimate":409,"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\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\nDisplay Rules\n\nOverall Quality and Condition: General Information\n\n15.000\n\nOverall Quality\n\n1600.0007\n\nOverallQualityRatingCode\n\nDelivered value must only contain one of those listed in the Supported Data Point Enumerations\ncolumn. Q1 – Q6\n\n15.002\n\nExterior Quality\n\n1600.0005\n\nExteriorQualityRatingCode\n\nRedisplays from 8.002\n\n15.004\n\nInterior Quality\n\n0700.0067\n\nInteriorQualityRatingCode\n\nRedisplays from 10.034 for each unit in the dwelling if AccessoryDwellingUnitIndicator = “false”.\n\n15.005\n\nOverall Condition\n\n1600.0006\n\nOverallConditionRatingCode\n\nDelivered value must only contain one of those listed in the Supported Data Point Enumerations\ncolumn. C1 – C6\n\n15.007\n\nExterior\n\nCondition\n\n1600.0004\n\nExteriorConditionRatingCode\n\nRedisplays from 8.023\n\nPage 230\n\nExamples\n\nSingle Family\n\n- 1 unit\n- Homeowner is responsible for Interior and Exterior maintenance.\n\nFigure 15 - 1\n\nHigh Rise Condo\n\n- 1 unit\n- Homeowner is not responsible for exterior maintenance. (Exterior Quality and Exterior Condition are not applicable.)\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 15 - 2\n\nPage 231\n\nMultiple Dwellings/Multiple Units\n\n- 3 Units in 2 separate buildings (Dwellings)\n- Homeowner is responsible for exterior maintenance.\n- Exterior Quality and Condition is listed for each Dwelling; Interior Quality and Condition are provided for each Unit that is not an ADU.\n\nFigure 15 - 3\n\nReconciliation of Overall Quality and Condition\n\nThe Reconciliation of Overall Quality and Condition subsection always displays.\n"}
diff --git a/chunks/json/6fc79e7dd2c94c83a40fb11dc95a1fe42d66f811731e0bdfc988026b53fe86f4.json b/chunks/json/6fc79e7dd2c94c83a40fb11dc95a1fe42d66f811731e0bdfc988026b53fe86f4.json
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index 0000000000000000000000000000000000000000..4966d7cec145f5f0af21e7b0d0b5a27819035640
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+++ b/chunks/json/6fc79e7dd2c94c83a40fb11dc95a1fe42d66f811731e0bdfc988026b53fe86f4.json
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+{"chunk":{"char_end":2626,"char_start":1610,"chunk_id":"chk_d77b3de4f3f84ecc","chunk_index":1,"chunk_sha256":"6fc79e7dd2c94c83a40fb11dc95a1fe42d66f811731e0bdfc988026b53fe86f4","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_2f3bf55aabe841cd","text_sha256":"6fc79e7dd2c94c83a40fb11dc95a1fe42d66f811731e0bdfc988026b53fe86f4","token_estimate":254,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appraisal-update-report-uad-36-compliance-rules.pdf"]},"text":"To schedule your verification with the GSEs, please contact one of the below GSE contacts:\n• Fannie Mae: Jennifer Cagle jennifer_cagle@fanniemae.com\n• Freddie Mac: Bailie Jones bailie_jones@freddiemac.com\n\nAs you use each GSE’s UAD Compliance API, please notify the same GSE contacts if you notice any discrepancies\nbetween the results provided by the API and the UAD 3.6 Compliance Rules listed on each GSE’s website.\n\nIf you are interested in an integration to the UAD Compliance API, follow the link to the TSP Intake Form\nbelow.\n\nTSP Intake Form\n\nWe will review your information and contact you with next steps including contractual requirements and\ncredential-setup to access our API Developer Portal. Otherwise, please ensure you have access to our API\nDeveloper Portal and respond to this email to inform me of your timeline for building to the API. Additional\nresources for the UAD Compliance API (UCA) can be reached via Fannie Mae’s Technology Integration Resources.\n\n© 2025 Fannie Mae 3.27.25 Page 1 of 1\n"}
diff --git a/chunks/json/6fcc20351516bd7eab903b47d3c49fa208c7e5e383590526dfa1e423ffd85bb3.json b/chunks/json/6fcc20351516bd7eab903b47d3c49fa208c7e5e383590526dfa1e423ffd85bb3.json
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+++ b/chunks/json/6fcc20351516bd7eab903b47d3c49fa208c7e5e383590526dfa1e423ffd85bb3.json
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+{"chunk":{"char_end":1745,"char_start":0,"chunk_id":"chk_f36f261a4cd3749b","chunk_index":0,"chunk_sha256":"6fcc20351516bd7eab903b47d3c49fa208c7e5e383590526dfa1e423ffd85bb3","date_utc":"2026-01-27T17:54:33+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d280e8f72f8f927f","text_sha256":"6fcc20351516bd7eab903b47d3c49fa208c7e5e383590526dfa1e423ffd85bb3","token_estimate":529,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Fannie_Mae_and_Freddie_Mac_Multifamily_Businesses__zfw6p4.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/policy/enterprise-multifamily-businesses\"\ndate_accessed: \"2026-01-27T17:54:20.680Z\"\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/6fd349c79491314294ba0f415d365e563d8aab4ea998d664fcf53ba47beb3f1b.json b/chunks/json/6fd349c79491314294ba0f415d365e563d8aab4ea998d664fcf53ba47beb3f1b.json
new file mode 100644
index 0000000000000000000000000000000000000000..2195bede9e6a4886d4bf9b655c85463c87f237a6
--- /dev/null
+++ b/chunks/json/6fd349c79491314294ba0f415d365e563d8aab4ea998d664fcf53ba47beb3f1b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":29169,"char_start":27565,"chunk_id":"chk_d2e12d9e24d6d3ce","chunk_index":18,"chunk_sha256":"6fd349c79491314294ba0f415d365e563d8aab4ea998d664fcf53ba47beb3f1b","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1f9c959be0398537","text_sha256":"6fd349c79491314294ba0f415d365e563d8aab4ea998d664fcf53ba47beb3f1b","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-specification-update-impact-memo.pdf"]},"text":"Updated 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\n3.030 Regulation Z Total\n\nPoints And Fees\nAmount\n\nGSE – Reg Z /\nQM\n\n1. Must exist for all loans\nMust be > = “0”\n\n1. Must exist for all loans\n2. Must be > = 0\n3. Must be no greater than the\namount allowed by Revised\nGeneral QM Rule for the loan\namount range\n\nMust be no greater than the applicable\n\npercent of the Regulation Z Total Loan\nAmount\n\n1\n\n4.038 Loan Price Quote\n\n2\n\n2\n\nInterest Rate\nPercent\n\nNote Amount\n\n4.001\n10.032\n\n10.038 Closing Adjustment\nItem Type = \"Seller\nCredit\"\n\n2\n\n10.036 Closing Adjustment\nItem Amount\n\nGSE – Reg Z /\nQM\n\nRegulation Z Excluded Bona Fide\nDiscount Points Indicator = \"true\"\n\n1. Regulation Z Excluded Bona Fide\nDiscount Points Indicator = \"true\"\n\n2. Must be greater than \"0\"\n\n1. Must exist for all loans\n2. Must be greater than \"0\"\n\n1. LoanPurposeType = “Purchase”\n2. Seller credit paid already by or\non behalf of the borrower at\nclosing is part of the transaction.\n\nMust exist for all loans\n\n1. Loan Purpose Type =\n\n“Purchase”\n\n2. Seller credit paid\nalready by or on\nbehalf of the borrower\nat closing is part of\nthe transaction.\n\n1. Loan Purpose Type =\n\n1. Loan Purpose Type =\n\n“Purchase”\n\n2. Closing Adjustment\nItem Type = \"Seller\nCredit\"\n\n“Purchase”\n\n2. Closing Adjustment Item Type =\n\n\"Seller Credit\"\n\n3. Must be greater than or equal to\n\n\"0\"\n\n2\n\n10.028 Funds Type =\n\n1. Loan Purpose Type =\n\n1. Loan Purpose Type =\n\n“Deposit On Sales\nContract”\n\n“Purchase”\n\n“Purchase”\n"}
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+++ b/chunks/json/6fd9de1ec01a312c8ab8b273693378af35f1ac6359b6987166cdeef1d8603f68.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":21742,"char_start":19138,"chunk_id":"chk_98a50b7ae7d19846","chunk_index":10,"chunk_sha256":"6fd9de1ec01a312c8ab8b273693378af35f1ac6359b6987166cdeef1d8603f68","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f394d02a93f3888f","text_sha256":"6fd9de1ec01a312c8ab8b273693378af35f1ac6359b6987166cdeef1d8603f68","token_estimate":771,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Mortgage_Servicing___FHFA_ikmqe7.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\\/13621\",\"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/6ff0c1acf062983d030d2bef0d42d4e999bc5fcdf542fcf6d0258e6a23180f4c.json b/chunks/json/6ff0c1acf062983d030d2bef0d42d4e999bc5fcdf542fcf6d0258e6a23180f4c.json
new file mode 100644
index 0000000000000000000000000000000000000000..896eada6b399c4dcdebb7748a3f3f09674bdb6df
--- /dev/null
+++ b/chunks/json/6ff0c1acf062983d030d2bef0d42d4e999bc5fcdf542fcf6d0258e6a23180f4c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":198736,"char_start":197125,"chunk_id":"chk_ba4a7585a15770ca","chunk_index":98,"chunk_sha256":"6ff0c1acf062983d030d2bef0d42d4e999bc5fcdf542fcf6d0258e6a23180f4c","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"6ff0c1acf062983d030d2bef0d42d4e999bc5fcdf542fcf6d0258e6a23180f4c","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"5.0 Projected Payments\n\n5.1 Payment Calculation\n\n5.1.1 Year 1\n\n5.1.2 Year 2\n\n5.1.3 Year 3\n\n5.1.4 Years 4 - 30\n\n5.2 Principal & Interest\n\n5.2.1\n\n5.2.4\n\n5.2.6\n\n5.2.2 $761.78\n5.2.3\n\n5.2.5 $861.78\n\n5.2.7 $961.78\n\n5.2.8\n5.2.9\n\n$1,062 min\n$1,262 max\n\nFigure 59. P&I Payments for Loan with Negative Amortization\n\nAppendix E: UCD Implementation Guide\n\nPage 88 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n5.0 Projected Payments Table\n\nTable 76. P&I Payments for Loan with Negative Amortization\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint\n\nMISMO v3.3.0\nValue\n\nNotes\n\nFirst Instance of PROJECTED_PAYMENT\n\n5.2.2\n\nYear 1 Principal &\nInterest ($)\n\n…/PROJECTED_PAY\nMENT\n\n761.78\n\nProjectedPayment\nPrincipalAndInteres\ntMaximumPaymen\ntAmount\n\nSecond Instance of PROJECTED_PAYMENT\n\n5.2.5\n\nYear 2 Principal &\nInterest ($)\n\n…/PROJECTED_PAY\nMENT\n\n861.78\n\nProjectedPayment\nPrincipalAndInteres\ntMaximumPaymen\ntAmount\n\nThird Instance of PROJECTED_PAYMENT\n\n5.2.7\n\nYear 3 Principal &\nInterest ($)\n\n…/PROJECTED_PAY\nMENT\n\n961.78\n\nProjectedPayment\nPrincipalAndInteres\ntMaximumPaymen\ntAmount\n\nFourth Instance of PROJECTED_PAYMENT\n\nRepresented on\nthe form as\n“$761.78”\n\nRepresented on\nthe form as\n“$861.78”\n\nRepresented on\nthe form as\n“$961.78”\n\n5.2.9\n\n5.2.8\n\nYears 4 – 30\nPrincipal & Interest\n($) max\n\n…/PROJECTED_PAY\nMENT\n\nYears 4 – 30\nPrincipal & Interest\n($) min\n\nProjectedPayment\nPrincipalAndInteres\ntMaximumPaymen\ntAmount\n\nProjectedPayment\nPrincipalAndInteres\ntMinimumPayment\nAmount\n\n1261.78\n\nROF as “$1,262\nmax”\n\n1061.78\n\nROF as “$1,062\nmin”\n\n5.1\n\n5.1\n\nN/A\n\nN/A\n\n5.1.4\n\nN/A\n\nEnd of PROJECTED_PAYMENT Instances\n"}
diff --git a/chunks/json/6ff5218f5d6c91dd7d1b14fd0863de085363ac869dc8e50e1df287afb76555de.json b/chunks/json/6ff5218f5d6c91dd7d1b14fd0863de085363ac869dc8e50e1df287afb76555de.json
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index 0000000000000000000000000000000000000000..e5ba3700b13ef87f464d3ad2ae661394bd2c8ac2
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+++ b/chunks/json/6ff5218f5d6c91dd7d1b14fd0863de085363ac869dc8e50e1df287afb76555de.json
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+{"chunk":{"char_end":1165991,"char_start":1164319,"chunk_id":"chk_1fd0a5b9612b31fa","chunk_index":692,"chunk_sha256":"6ff5218f5d6c91dd7d1b14fd0863de085363ac869dc8e50e1df287afb76555de","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"6ff5218f5d6c91dd7d1b14fd0863de085363ac869dc8e50e1df287afb76555de","token_estimate":418,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"10\n\nMoney\n\n288\n\n2\n\ne-29\n\nSALES\nCOMPARISON\nAPPROACH\n\nDate of Sale/Time\n\nGSE Listing Status\nType\n\nIndicates the status for the comparable\nlisting or sale presented.\n\n289\n\n2\n\ne-30\n\nSALES\nCOMPARISON\nAPPROACH\n\nDate of Sale/Time\n\nGSE Short Date\nDescription\n\nThe MMYY of the associated\ncomparable status.\n\n290\n\n2\n\ne-31\n\nSALES\nCOMPARISON\nAPPROACH\n\nDate of Sale/Time\n\nGSE Contract Date\nUnknown Indicator\n\nIndicates if the contract date is\nunavailable for a comparable settled sale.\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/@GSEListingStatusType\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM\nPARISON_DATE_EXTENSION/COMPARISON_DATE_EXTENSION_S\nECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DATE_EXTENSION_SECTION_DATA/OF\nFERING_DISPOSITION/@GSEShortDateDescription\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/@GSEContractDateUnknownIndicator\n\n291\n\n2\n\n57\n\nSALES\nCOMPARISON\nAPPROACH\n\nDate of Sale/Time 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"}
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+++ b/chunks/json/6ff67e2354f04835408dc077f8e9014d9efcb668f182da54b4f1cf13af4c3ca3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6122,"char_start":4447,"chunk_id":"chk_b20b94db2df9066d","chunk_index":2,"chunk_sha256":"6ff67e2354f04835408dc077f8e9014d9efcb668f182da54b4f1cf13af4c3ca3","date_utc":"2026-01-27T17:47:50+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d62475641b3949a6","text_sha256":"6ff67e2354f04835408dc077f8e9014d9efcb668f182da54b4f1cf13af4c3ca3","token_estimate":415,"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":"# Making government services easier to find\n\nUSA.gov helps you locate and understand government benefits, programs, and information.\n\n## How do I ...\n\n- [Learn how the U.S. government is responding to the 2026 Winter Storm](/2026-winter-storm)\n - [Stay safe through the winter storms with this PSA from the Secretary of Homeland Security](https://www.youtube.com/watch?v=FPGNdwq9LIs)\n - [Get or renew a passport](/passport)\n - [File for unemployment benefits](/unemployment-benefits)\n\n[Jump to all topics and services ![image](/themes/custom/usagov/images/Reimagined_Jump_to_Arrow.svg)](#all-topics-header)\n\n![image](/themes/custom/usagov/images/topics/ICONS_Reimagined_Benefits.svg) ## Government benefits and financial assistance\n\nDiscover government benefits that you may be eligible for and learn how to apply.\n\n[Find benefits](/benefit-finder)\n\n## All topics and services\n\n- [## The U.S. and its government\n\nLearn about U.S. laws, history, and more. Buy government property. Contact elected officials and federal agencies.](/about-the-us)\n - [## Complaints\n\nFile complaints involving government agencies, telemarketers, products and services, travel, housing, and banking.](/complaints)\n - [## Disability services\n\nFind government benefits and programs for people with disabilities and their families.](/disability-services)\n - [## Disasters and emergencies\n\nLearn about disaster assistance and find government benefits for other emergencies.](/disasters-and-emergencies)\n - [## Education\n\nLearn about Federal Student Aid and studying in the U.S. Find early intervention, special education, and Head Start programs.](/education)\n - [## Government benefits\n"}
diff --git a/chunks/json/70000328cff6874878cde1fc75140d0f10e88795bb3fec086acd035cb8221b5d.json b/chunks/json/70000328cff6874878cde1fc75140d0f10e88795bb3fec086acd035cb8221b5d.json
new file mode 100644
index 0000000000000000000000000000000000000000..5e0f707a461da0b49c622cce6e1fb7cdb8e78665
--- /dev/null
+++ b/chunks/json/70000328cff6874878cde1fc75140d0f10e88795bb3fec086acd035cb8221b5d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12769,"char_start":11503,"chunk_id":"chk_0771186185a23deb","chunk_index":7,"chunk_sha256":"70000328cff6874878cde1fc75140d0f10e88795bb3fec086acd035cb8221b5d","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_da248e1b967abf99","text_sha256":"70000328cff6874878cde1fc75140d0f10e88795bb3fec086acd035cb8221b5d","token_estimate":438,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Media_Library___FHFA_279ngw.md"]},"text":"February 27, 2024\n\n## [FHFA House Price Index 2023 Q4](/news/videos/fhfa-house-price-index-2023-q4)\n\n![Preview image for the video \"FHFA House Price Index 2023 Q4\".](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\nNovember 28, 2023\n\n## [FHFA House Price Index 2023 Q3](/news/videos/fhfa-house-price-index-2023-q3)\n\n![Preview image for the video \"FHFA House Price Index 2023 Q3\".](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\nAugust 29, 2023\n\n## [FHFA House Price Index 2023 Q2](/news/videos/fhfa-house-price-index-2023-q2)\n\n![Preview image for the video \"FHFA House Price Index 2023 Q2\".](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\nJuly 24, 2023\n\n## [2023 Duty to Serve Listening Session: Rural Housing](/news/videos/2023-duty-to-serve-listening-session-rural-housing)\n\n![Preview image for the video \"2023 Duty to Serve Listening Session: Rural Housing\".](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"}
diff --git a/chunks/json/700e05d1e2607fe67cf4fda47225eccc3760d6f9353f9d4b91d3fe10542acab0.json b/chunks/json/700e05d1e2607fe67cf4fda47225eccc3760d6f9353f9d4b91d3fe10542acab0.json
new file mode 100644
index 0000000000000000000000000000000000000000..8e3bdee012fb87e0159f4d92d9111f1ce2f08ade
--- /dev/null
+++ b/chunks/json/700e05d1e2607fe67cf4fda47225eccc3760d6f9353f9d4b91d3fe10542acab0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":181010,"char_start":179260,"chunk_id":"chk_bb2ebd72407d7727","chunk_index":105,"chunk_sha256":"700e05d1e2607fe67cf4fda47225eccc3760d6f9353f9d4b91d3fe10542acab0","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"700e05d1e2607fe67cf4fda47225eccc3760d6f9353f9d4b91d3fe10542acab0","token_estimate":438,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"GSE Estimate Year\nOf Improvement\nType\n\nThe time period associated with the\nupdating or remodeling of the\nproperty described by GSE\nImprovement Area Type.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/CONDITION_DETAIL_EXTENSIO\nN/CONDITION_DETAIL_EXTENSION_SEC\nTION[@ExtensionSectionOrganizationName='U\nNIFORM APPRAISAL\nDATASET']/CONDITION_DETAIL_EXTENSI\nON_SECTION_DATA/CONDITION_DETAIL\n[@_SequenceIdentifier='1..2']/@GSEEstimateYe\narOfImprovementType\n\nProperty Analysis\nComment\n\nA free-form text field that holds the\nproperty analysis comments for the\nanalysis category specified by\nProperty Analysis Type.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nPERTY_ANALYSIS[@_Type='PropertyConditi\non']/@_Comment\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nPERTY_ANALYSIS[@_Type='PhysicalDeficie\nncy' 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/PRO\nPERTY_ANALYSIS[@_Type='PhysicalDeficie\nncy' and @_ExistsIndicator='N']\n\nUAD Requirement - Refer to Appendix D Improvements Section\nThe allowable values are listed below. When representing these values in the\nXML file, they must be shown exactly as they appear below:\n\n23\n\nEnumerated\n\nAllowable Values PDF Display\nLessThanOneYearAgo less than one year ago\nOneToFiveYearsAgo one to five years ago\nSixToTenYearsAgo six to ten years ago\nElevenToFifteenYearsAgo eleven to fifteen years ago\nUnknown timeframe unknown\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\nUAD Requirement - Refer to Appendix D Improvements Section\nThis field must contain additional comments about the condition of the\nproperty.\n"}
diff --git a/chunks/json/7011b4d8af6e7f75152e4ea0faf6496c2a421e5727b25fe0f189217b94b5f610.json b/chunks/json/7011b4d8af6e7f75152e4ea0faf6496c2a421e5727b25fe0f189217b94b5f610.json
new file mode 100644
index 0000000000000000000000000000000000000000..a65ea0ea3f464d0698c73c3912b6416e9332ae15
--- /dev/null
+++ b/chunks/json/7011b4d8af6e7f75152e4ea0faf6496c2a421e5727b25fe0f189217b94b5f610.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9307,"char_start":7329,"chunk_id":"chk_6a8599d36c184b4a","chunk_index":8,"chunk_sha256":"7011b4d8af6e7f75152e4ea0faf6496c2a421e5727b25fe0f189217b94b5f610","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6a5de7e7b0279ba0","text_sha256":"7011b4d8af6e7f75152e4ea0faf6496c2a421e5727b25fe0f189217b94b5f610","token_estimate":495,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-documentation.pdf"]},"text":"The UAD appraisal records that the Enterprises collect may include some appraisals related to other\nlending sources, including FHA and portfolio loans, as well as appraisals not connected to any mortgage\nloan, such as those associated with a denied loan application. One reason that the UAD records include\nappraisals for non-Enterprise loans is that borrowers can file applications with multiple lenders and for\nmultiple mortgage products, and the ultimate originator may not be known when the appraisal is\nconducted. In addition, originators of jumbo loans or other non-conforming loans may require appraisals\nto be submitted to the UCDP to take advantage of the Enterprises’ automated collateral evaluation tools.\nFinally, UAD appraisal records include appraisals not connected to any loan, such as appraisals associated\nwith non-transacted loans.\n\nFHFA receives UAD appraisal records from the Enterprises. The Agency currently possesses records\nfrom 2013 through the most recent quarter. This collection includes more than 86 million records about\nthe “subject” single-family property and more than 405 million records about “comparable” single-family\nproperties. However, it is important to note that not all these records reflect a property’s final\nappraisal(s). The UCDP is a transactional business system. As such, it contains UAD appraisal records\nthat may be incomplete or out of date.\n\nFHFA also receives appraisal records from FHA. In 2016, FHA adopted the use of the Uniform\nResidential Appraisal Report (URAR) (Fannie Mae Form 1004/Freddie Mac Form 70) for single-family\nhomes and the standards the Enterprises developed, including adhering to the Mortgage Industry\nStandards Maintenance Organization (MISMO®) Reference Model 2.6. These UAD-conforming\nappraisals are submitted to FHA through their Electronic Appraisal Delivery (EAD) Portal.4 The EAD is\na transactional database system. As such, it contains appraisal records that may be incomplete or out of\ndate.\n"}
diff --git a/chunks/json/70130e4889455b9352efaae78625b35256c1c08304ebd31bc7b0f08f60679b4d.json b/chunks/json/70130e4889455b9352efaae78625b35256c1c08304ebd31bc7b0f08f60679b4d.json
new file mode 100644
index 0000000000000000000000000000000000000000..00b5eda1d880bac4e619e3fc874023c209eeeab0
--- /dev/null
+++ b/chunks/json/70130e4889455b9352efaae78625b35256c1c08304ebd31bc7b0f08f60679b4d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9952,"char_start":8342,"chunk_id":"chk_9528fee06a4f9ad6","chunk_index":5,"chunk_sha256":"70130e4889455b9352efaae78625b35256c1c08304ebd31bc7b0f08f60679b4d","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"70130e4889455b9352efaae78625b35256c1c08304ebd31bc7b0f08f60679b4d","token_estimate":402,"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":"Page 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 2024\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 2024\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\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"}
diff --git a/chunks/json/7016931b9237b5dbc2ed63b49e48be4b49108b1294e0a17572735f6f070ed9bc.json b/chunks/json/7016931b9237b5dbc2ed63b49e48be4b49108b1294e0a17572735f6f070ed9bc.json
new file mode 100644
index 0000000000000000000000000000000000000000..bab4d3c75793feb74a7dddb1952a2c729957668c
--- /dev/null
+++ b/chunks/json/7016931b9237b5dbc2ed63b49e48be4b49108b1294e0a17572735f6f070ed9bc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":28268,"char_start":27761,"chunk_id":"chk_6a90e761b1dc9c40","chunk_index":38,"chunk_sha256":"7016931b9237b5dbc2ed63b49e48be4b49108b1294e0a17572735f6f070ed9bc","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"7016931b9237b5dbc2ed63b49e48be4b49108b1294e0a17572735f6f070ed9bc","token_estimate":485,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"04 Site ................................................................................................................................................................................................................................................ 113\n\nOverview ................................................................................................................................................................................................................................................ 113\n"}
diff --git a/chunks/json/70362d08ee5aa247f23634f257866510583772a93c5f82424d5741c22a081b40.json b/chunks/json/70362d08ee5aa247f23634f257866510583772a93c5f82424d5741c22a081b40.json
new file mode 100644
index 0000000000000000000000000000000000000000..ff12f79099965aa51d2f4f1919520934249aff91
--- /dev/null
+++ b/chunks/json/70362d08ee5aa247f23634f257866510583772a93c5f82424d5741c22a081b40.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9048,"char_start":7209,"chunk_id":"chk_8149a46f4a81340e","chunk_index":4,"chunk_sha256":"70362d08ee5aa247f23634f257866510583772a93c5f82424d5741c22a081b40","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_fafc4238d5cd0bff","text_sha256":"70362d08ee5aa247f23634f257866510583772a93c5f82424d5741c22a081b40","token_estimate":460,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2020.pdf"]},"text":"01=11th District cost of funds; 02=Other cost of funds;\n03=LIBOR; 04=1 year constant Treasury Rate; 99=Not\nan ARM\nMargin added to the index used for the calculation of\nthe interest on an ARM. 9999=Not Applicable\nDate when prepayment penalty ends; report 9999-12-\n31 if not applicable\n1=Hispanic or Latino; 2=Not Hispanic or Latino;\n3=Information not provided; 4=Not applicable (First or\nprimary borrower is an institution, corporation or\npartnership)\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;\n7=Not Applicable (borrower is an institution,\ncorporation or partnership)\n\n47\n\nBorrower1Race3Type\n\nRace3\n\nBorrower1 Race3 Type\n\n48\n\nBorrower1Race4Type\n\nRace4\n\nBorrower1 Race4 Type\n\n49\n\nBorrower1Race5Type\n\nRace5\n\nBorrower1 Race5 Type\n\n50\n\nBorrower2EthnicityType\n\nCoEth\n\nBorrower2 Ethnicity Type\n\n51\n\nBorrower2Race2Type\n\nCoRace2\n\nBorrower2 Race2 Type\n\n52\n\nBorrower2Race3Type\n\nCoRace3\n\nBorrower2 Race3 Type\n\n53\n\nBorrower2Race4Type\n\nCoRace4\n\nBorrower2 Race4 Type\n\n54\n\nBorrower2Race5Type\n\nCoRace5\n\nBorrower2 Race5 Type\n\n55 HOEPALoanStatusType\n\nHOEPA\n\nHOEPA Loan Status Type\n\n56\n\nLienPriorityType\n\nLienStatus\n\nLien Priority Type\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\n"}
diff --git a/chunks/json/704e52d9fb05255312cba3c3f5c1b8e1b96c3c27066a007d81c897e3bb145bd9.json b/chunks/json/704e52d9fb05255312cba3c3f5c1b8e1b96c3c27066a007d81c897e3bb145bd9.json
new file mode 100644
index 0000000000000000000000000000000000000000..036d69f4134ced06c2e2c289524c52836ec5fec0
--- /dev/null
+++ b/chunks/json/704e52d9fb05255312cba3c3f5c1b8e1b96c3c27066a007d81c897e3bb145bd9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":536816,"char_start":535203,"chunk_id":"chk_2548b37a1065e530","chunk_index":309,"chunk_sha256":"704e52d9fb05255312cba3c3f5c1b8e1b96c3c27066a007d81c897e3bb145bd9","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"704e52d9fb05255312cba3c3f5c1b8e1b96c3c27066a007d81c897e3bb145bd9","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Energy Efficient and Green Features Exhibits\n\nSolar Panels\n\nHERS Score\n\nThis is where the Solar Panel photo would display.\n\nDOE Score\n\nThis is where the image of the Home Energy Score would display.\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 5 of 22\nPage 5 of 22\n\nSketch\n\nMeasurement Standard\n\nANSI\n\nSketch\n\n22'\n\n'\n\n2\n\nBath\n\nWalk in\nCloset\n\nFamily\nRoom\n\n42'\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"}
diff --git a/chunks/json/704ec8b1c569e196d8df702802129987987b89f1d6fe40b60708d5741e04a719.json b/chunks/json/704ec8b1c569e196d8df702802129987987b89f1d6fe40b60708d5741e04a719.json
new file mode 100644
index 0000000000000000000000000000000000000000..2d6c73dd6a1c3645dfdaa1fb7e424bef86891a33
--- /dev/null
+++ b/chunks/json/704ec8b1c569e196d8df702802129987987b89f1d6fe40b60708d5741e04a719.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":24154,"char_start":22267,"chunk_id":"chk_c5dfb32a6a3031df","chunk_index":6,"chunk_sha256":"704ec8b1c569e196d8df702802129987987b89f1d6fe40b60708d5741e04a719","date_utc":"2026-01-27T17:46:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ca732485d8c78bed","text_sha256":"704ec8b1c569e196d8df702802129987987b89f1d6fe40b60708d5741e04a719","token_estimate":483,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Delivering___Fannie_Mae_kx3809.md"]},"text":"##### Uniform Loan Delivery Dataset\n\nPart of UMDP, ULDD is the common set of data elements required by Fannie Mae and Freddie Mac for single-family loan deliveries.\n\n[Learn More **](/delivering/uniform-mortgage-data-program/uniform-loan-delivery-dataset)\n\n##### Uniform Closing Dataset\n\nThe UCD is an ongoing effort to improve closing data integration and consistency.\n\n[Learn More **](/delivering/uniform-mortgage-data-program/uniform-closing-dataset)\n\n### Stay informed with the latest information\n\nSign up for key policy, technology, and product updates.\n\n[Sign up for email updates **](https://singlefamily.fanniemae.com/form/notification-center)\n\ncampaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } });\n\n![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg)\n\n### 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"}
diff --git a/chunks/json/706cf7449020e69be247b16f1a6b44a53dee5e8176879c613298dc1ab2f63065.json b/chunks/json/706cf7449020e69be247b16f1a6b44a53dee5e8176879c613298dc1ab2f63065.json
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index 0000000000000000000000000000000000000000..58865c39cdf172fe0ab75cae9522a91734106a81
--- /dev/null
+++ b/chunks/json/706cf7449020e69be247b16f1a6b44a53dee5e8176879c613298dc1ab2f63065.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":2138,"char_start":0,"chunk_id":"chk_5f94a4efc1cd0036","chunk_index":0,"chunk_sha256":"706cf7449020e69be247b16f1a6b44a53dee5e8176879c613298dc1ab2f63065","date_utc":"2026-01-27T17:46:22+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a3584e2909483f25","text_sha256":"706cf7449020e69be247b16f1a6b44a53dee5e8176879c613298dc1ab2f63065","token_estimate":535,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/display (3).pdf"]},"text":"Uniform Appraisal Dataset (UAD) 3.6 Frequently Asked Questions\n\nGeneral\n\n1. What is UAD and why is it being updated?\n\nThe UAD is a standardized industry dataset for appraisal property reporting that is communicated electronically\nthrough the Uniform Collateral Data Portal® (UCDP®). Fannie Mae and Freddie Mac (GSEs) are updating the UAD\nto create a data-driven, dynamic reporting structure to capture property and market information. The limitation\nof the legacy forms is that additional required data is provided in a free-form commentary addendum. This\nupdate allows for one reporting structure that accounts for all property and inspection types. As part of this\ninitiative, the GSEs are aligning to the latest version of the Mortgage Industry Standards Maintenance\nOrganization (MISMO®) Reference Model 3.6.\n\n2. Are the appraisal report forms being replaced?\n\nYes, the appraisal report forms listed below are being replaced with a data-driven, flexible, dynamic structure for\nappraisal reporting. The redesigned Uniform Residential Appraisal Report (URAR), Restricted Appraisal Update\nReport, and Completion Report each have a similar look and feel to the Uniform Residential Loan Application\n(URLA) and the Closing Disclosure (CD).\n\nIndividual Condominium Unit Appraisal Report (1073 / 465)\nIndividual Condominium Unit Appraisal Report (Desktop) (1073 Desktop / 465D)\nIndividual Condominium Unit Appraisal Report (Hybrid) (1073 Hybrid / 465H)\n\n• Uniform Residential Appraisal Report (1004 / 70)\n• Uniform Residential Appraisal Report (Desktop) (1004 Desktop / 70D)\n• Uniform Residential Appraisal Report (Hybrid) (1004 Hybrid / 70H)\n•\n•\n•\n• Exterior-Only Inspection Individual Condominium Unit Appraisal Report (1075 / 466)\n• Exterior-Only Inspection Residential Appraisal Report (2055 / 2055)\n• Manufactured Home Appraisal Report (1004C / 70B)\n•\n• Exterior-Only Individual Cooperative Interest Appraisal Report (2095)\n• Small Residential Income Property Appraisal Report (1025 / 72)\n• Single Family Comparable Rent Schedule (1007 / 1000) * See FAQ # 5 for more information.\n• Appraisal Update and/or Completion Report (1004D / 442)\n"}
diff --git a/chunks/json/706dd34e031a63d707c272bdedd7a8f4f7c19d9ed4a3bb0c7c1ec18137889930.json b/chunks/json/706dd34e031a63d707c272bdedd7a8f4f7c19d9ed4a3bb0c7c1ec18137889930.json
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index 0000000000000000000000000000000000000000..c32726b14ea18353bacd0131e85274cd53860aa3
--- /dev/null
+++ b/chunks/json/706dd34e031a63d707c272bdedd7a8f4f7c19d9ed4a3bb0c7c1ec18137889930.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":381617,"char_start":379994,"chunk_id":"chk_7b3375a9a318a7ae","chunk_index":223,"chunk_sha256":"706dd34e031a63d707c272bdedd7a8f4f7c19d9ed4a3bb0c7c1ec18137889930","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"706dd34e031a63d707c272bdedd7a8f4f7c19d9ed4a3bb0c7c1ec18137889930","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Conditionality Description\n\nData Field\nConditionality\n1073/465\n\nData Field\nConditionality 1073\nHybrid/465H\n\nData Field\nConditionality 1073\nDesktop/465D\n\n24\n\n25\n\n26\n\n27\n\n28\n\n29\n\n30\n\n31\n\n32\n\n33\n\n34\n\n35\n\n36\n\n37\n\n38\n\n39\n\n40\n\n41\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\n23\n\n24\n\nSUBJECT\n\nSUBJECT\n\nOccupant\nTenant\n\nOccupant\nVacant\n\nProperty Current\nOccupancy Type\n\nSpecifies the property occupancy status of\na subject property.\n\n/VALUATION_RESPONSE/PROPERTY\n[@_CurrentOccupancyType=‘TenantOccupied’]\n\nProperty Current\nOccupancy Type\n\nSpecifies the property occupancy status of\na subject property.\n\n/VALUATION_RESPONSE/PROPERTY[@_CurrentOccupancyType=‘Vacant’]\n\n15\n\n15\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,\n1-24 (values of Property Current\nOccupancy Type) must be indicated.\nOne and only one of fields 1-22, 1-23,\n1-24 (values of Property Current\nOccupancy Type) must be indicated.\n\n25\n\nSUBJECT\n\nSpecial Assessments $\n\nProperty Tax Total\nSpecial Tax\nAmount\n\nThe total of all of the property's special\nreal estate taxes for this tax year (Property\nTax Year Identifier) across all tax\njurisdictions and authorities. This is the\namount assessed for the tax year, not the\namount paid. (see Property Tax Special).\n\n/VALUATION_RESPONSE/PROPERTY/_TAX/@_TotalSpecialTaxAmount\n\n10\n\nMoney\n\nUAD Instruction - Refer to Appendix D Subject Section\nWhole dollars only. If there are no special assessments applicable to the subject\nproperty, the appraiser should enter zero (0) in this data field.\n"}
diff --git a/chunks/json/706f22ad45af43c5ea18f428788935d207f7b364f7a130096bcdc4d0964b3f54.json b/chunks/json/706f22ad45af43c5ea18f428788935d207f7b364f7a130096bcdc4d0964b3f54.json
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index 0000000000000000000000000000000000000000..332a4c2ef0bdce8678e50b49b5502721a5936217
--- /dev/null
+++ b/chunks/json/706f22ad45af43c5ea18f428788935d207f7b364f7a130096bcdc4d0964b3f54.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":899589,"char_start":897913,"chunk_id":"chk_f560e561c1e56de9","chunk_index":534,"chunk_sha256":"706f22ad45af43c5ea18f428788935d207f7b364f7a130096bcdc4d0964b3f54","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"706f22ad45af43c5ea18f428788935d207f7b364f7a130096bcdc4d0964b3f54","token_estimate":419,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"51c\n\n51d\n\n52\n\n53\n\n54\n\n55\n\n56\n\ne-25\n\ne-2\n\n58\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/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@\nPropertyStreetAddress\n\nSALES\nCOMPARISON\nAPPROACH\n\nUnit #\n(Line 2)\n\nSALES\nCOMPARISON\nAPPROACH\n\nAddress\n(Line 2)\n\nSALES\nCOMPARISON\nAPPROACH\n\nAddress\n(Line 2)\n\nUnit Identifier\n\nThe identification of the unit.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@\nUnitIdentifier\n\nProperty City\n\nThe city in which the subject property is\nlocated.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@\nPropertyCity\n\nProperty State\n\nThe state in which the subject property is\nlocated.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@\nPropertyState\n\nSALES\nCOMPARISON\nAPPROACH\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/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@\nPropertyPostalCode\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/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@ProjectName\n"}
diff --git a/chunks/json/70831c99b6f82b1bd89181bb5eccec89fbe8b714ddc3d03464e066610902cdc1.json b/chunks/json/70831c99b6f82b1bd89181bb5eccec89fbe8b714ddc3d03464e066610902cdc1.json
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index 0000000000000000000000000000000000000000..87930cc00fbe6bbe7bef389101a4e5e6819ddd1c
--- /dev/null
+++ b/chunks/json/70831c99b6f82b1bd89181bb5eccec89fbe8b714ddc3d03464e066610902cdc1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":577831,"char_start":576125,"chunk_id":"chk_7ef64afd8ed02cd7","chunk_index":343,"chunk_sha256":"70831c99b6f82b1bd89181bb5eccec89fbe8b714ddc3d03464e066610902cdc1","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"70831c99b6f82b1bd89181bb5eccec89fbe8b714ddc3d03464e066610902cdc1","token_estimate":427,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"C1 to C6\n\nRequired when\nHomeowner\nResponsible for\nExterior Maintenance\nof all Dwellings is Yes\n\nDwelling Exterior\n•\n\nExterior Condition\nRating 8.023\n\nNo\n\n22.08.09\n22.08.23\n\nCondition\n\n22.08.10\n22.08.24\n\nExterior Walls\nand Trim\n\nWhen\nHomeowner\nResponsible\nfor Exterior\nMaintenance\nof all\nDwellings is\nYes for the\nsubject\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDwelling Exterior\n•\n\nExterior Walls and\nTrim Condition\nStatus 8.027\n\nNo\n\n•\n•\n•\n•\n\nNew or Like New\nTypical Wear and Tear\nDamaged and Functional\nDamaged and Nonfunctional\n\nAppendix F-1: URAR Reference Guide\n\nPage 253 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: Exterior Quality and Condition\n\nReport\nField ID\n\n22.08.11\n22.08.25\n\nFoundation\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\n22.08.12\n22.08.26\n\nRoof\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\n22.08.12\n22.08.26\n\nRoof\n\nIf relevant\n\nRequired when Roof\nObservable is Yes, the\nrow is included in the\nsales comparison grid\n\n22.08.13\n22.08.27\n\nWindows\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nIf relevant, for\neach\nadditional\nfeature\n\nRequired when the\nrow is included in the\nsales comparison grid\n\n22.08.15\n22.08.28\n\n[Other Exterior\nFeature]\n22.08.14\nExterior\nFeature Other\nDescription\n8.041\npopulates\nfrom Dwelling\nExterior\n"}
diff --git a/chunks/json/708990f7ded032f08777160d06a45ceb02a99b612358d05dcb651124fb2edef1.json b/chunks/json/708990f7ded032f08777160d06a45ceb02a99b612358d05dcb651124fb2edef1.json
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index 0000000000000000000000000000000000000000..fb1526897d4da7ccf51fc5dd5f47c3e6b0eb9f00
--- /dev/null
+++ b/chunks/json/708990f7ded032f08777160d06a45ceb02a99b612358d05dcb651124fb2edef1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":162058,"char_start":160300,"chunk_id":"chk_36aaac5d66d1074b","chunk_index":94,"chunk_sha256":"708990f7ded032f08777160d06a45ceb02a99b612358d05dcb651124fb2edef1","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"708990f7ded032f08777160d06a45ceb02a99b612358d05dcb651124fb2edef1","token_estimate":440,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"8. 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\n13. Using information available in the normal course of business, I researched, verified, analyzed, and reported on the prior sales of the\ncomparable sales for a minimum of one year prior to the date of sale of the comparable sale.\n"}
diff --git a/chunks/json/70920b7d89d93cd5e27aaa874479877213ce2178190efd94896dcfbf99087c4c.json b/chunks/json/70920b7d89d93cd5e27aaa874479877213ce2178190efd94896dcfbf99087c4c.json
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index 0000000000000000000000000000000000000000..b22ccc9517b26139243e481575faf77954540b04
--- /dev/null
+++ b/chunks/json/70920b7d89d93cd5e27aaa874479877213ce2178190efd94896dcfbf99087c4c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":171724,"char_start":170054,"chunk_id":"chk_895c3e4a7e7ac83a","chunk_index":99,"chunk_sha256":"70920b7d89d93cd5e27aaa874479877213ce2178190efd94896dcfbf99087c4c","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"70920b7d89d93cd5e27aaa874479877213ce2178190efd94896dcfbf99087c4c","token_estimate":418,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"•\n\nEnergy 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•\n\nRental 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•\n\n•\n\nCondominiums 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.\nPhotos (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\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\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nObserved Project Deficiencies\nSubject Site Owned in Common\n\nSite Built\nDetached\n\nOverall Quality\nOverall Condition\n\nQ3\nC1\n\nYes No\n \n \n \n \n \n \n\nYes No\n \n\nThis is where the Dwelling Front photo would display.\n\nUnits Excluding ADUs\nAccessory Dwelling Units\nProperty Rights Appraised\n"}
diff --git a/chunks/json/70a0dc40f944a93758c50c2caa7e6bfe71bff6d906437ad5f3568f71acbfd7ff.json b/chunks/json/70a0dc40f944a93758c50c2caa7e6bfe71bff6d906437ad5f3568f71acbfd7ff.json
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index 0000000000000000000000000000000000000000..e0a1bc1e61eff06544fccb6e29afb67f2662408d
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+++ b/chunks/json/70a0dc40f944a93758c50c2caa7e6bfe71bff6d906437ad5f3568f71acbfd7ff.json
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+{"chunk":{"char_end":23423,"char_start":21222,"chunk_id":"chk_6cfc63b09d1bc955","chunk_index":12,"chunk_sha256":"70a0dc40f944a93758c50c2caa7e6bfe71bff6d906437ad5f3568f71acbfd7ff","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_139dfb51602e14ac","text_sha256":"70a0dc40f944a93758c50c2caa7e6bfe71bff6d906437ad5f3568f71acbfd7ff","token_estimate":551,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Hybrid_465H.pdf"]},"text":"6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior\nto the date of sale of the comparable sale, unless otherwise indicated in this report.\n\n7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property.\n\n8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that\nhas been built or will be built on the land.\n\n9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject\nproperty and the comparable sales.\n\n10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in\nthe sale or financing of the subject property.\n\n11. I have knowledge and experience in appraising this type of property in this market area.\n\n12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing\nservices, tax assessment records, public land records and other such data sources for the area in which the property is located.\n\n13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from\nreliable sources that I believe to be true and correct.\n\n14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject\nproperty, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I\nhave noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the\npresence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the\nsubject property or that I became aware of during the research involved in performing this appraisal. I have considered these\nadverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and\nmarketability of the subject property.\n"}
diff --git a/chunks/json/70a6bb18d373758dc40d5083ab9ada5b40f61928ac2a9a69780648968d786ff8.json b/chunks/json/70a6bb18d373758dc40d5083ab9ada5b40f61928ac2a9a69780648968d786ff8.json
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index 0000000000000000000000000000000000000000..4977477407827be2fd7dfaae38c6f14c85457787
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+++ b/chunks/json/70a6bb18d373758dc40d5083ab9ada5b40f61928ac2a9a69780648968d786ff8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":45843,"char_start":44151,"chunk_id":"chk_0d9871bab43a7606","chunk_index":27,"chunk_sha256":"70a6bb18d373758dc40d5083ab9ada5b40f61928ac2a9a69780648968d786ff8","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"70a6bb18d373758dc40d5083ab9ada5b40f61928ac2a9a69780648968d786ff8","token_estimate":423,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Kitchen\n\nDescription\n\nAffects Soundness or\nStructural Integrity\n\nRecommended\nAction\n\nRust noted on the roof. Metal galvanized roofs\ncan detriorate when rust forms. No ruptures\nor leaks noted at the time of inspection.\n\nNo\n\nThe stove is fully functional but considered\noutdated, undersized and does not meet\ncurrent standards in the market.\n\nSome cabinet hardware is missing exhibiting\nmoderate wear and tear.\n\nSome cabinet hardware and cabinet fronts\nmissing exhibiting moderate wear and tear.\n\nPeeling paint that is cosmetic in nature.\n\nPeeling and worn paint that is cosmetic in\nnature.\n\nRust noted on the roof. Metal galvanized roofs\ncan detriorate when rust forms. No ruptures\nor leaks noted at the time of inspection.\n\nSome hardware noted to be missing from\ncabinets exhibiting moderate wear and tear.\n\nSome hardware noted to be missing from\ncabinets exhibiting moderate wear and tear.\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNone\n\nNone\n\nNone\n\nNone\n\nNone\n\nNone\n\nNone\n\nNone\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 25 of 29\nPage 25 of 29\n\nRevision History\n\nRevision Date\n10/07/2019\n\n10/12/2019\n\nURAR Section\nAssignment Information\n\nSite\n\nDescription\nCorrected borrower name\n\nAdded comment in “Description of Zoning Compliance” at client request\n\nSupplemental Information\n\nSupplemental Information Exhibits\n\n[Photo Caption Displays Here]\n\nThis is where the Supplemental Information 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/70b1c9d54b3b0bd43b3b2936ec5b5c552f60dcb28f814dbf150ae7043e2ad44b.json b/chunks/json/70b1c9d54b3b0bd43b3b2936ec5b5c552f60dcb28f814dbf150ae7043e2ad44b.json
new file mode 100644
index 0000000000000000000000000000000000000000..6c36f174ee794695b68d8c0206cc7bd2a386facd
--- /dev/null
+++ b/chunks/json/70b1c9d54b3b0bd43b3b2936ec5b5c552f60dcb28f814dbf150ae7043e2ad44b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":462651,"char_start":462217,"chunk_id":"chk_e13a4e6238e435dd","chunk_index":259,"chunk_sha256":"70b1c9d54b3b0bd43b3b2936ec5b5c552f60dcb28f814dbf150ae7043e2ad44b","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"70b1c9d54b3b0bd43b3b2936ec5b5c552f60dcb28f814dbf150ae7043e2ad44b","token_estimate":109,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf","below_target_min_tokens"]},"text":"E-3-21, Acronyms and Glossary of Defined Terms: U (06/04/2025)\n\nUniform Residential Appraisal Report (URAR):\n\nA dynamic appraisal report that addresses all residential one- to four-unit property types\n\nE-3-22, Acronyms and Glossary of Defined Terms: V (06/04/2025)\n\nvirtual inspection\n\nA person remotely viewing the property using real-time video streaming technology.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 191 of 166\n"}
diff --git a/chunks/json/70b6a3e7998607172949af59a620c581055b79c453cc961a483fc449deb59291.json b/chunks/json/70b6a3e7998607172949af59a620c581055b79c453cc961a483fc449deb59291.json
new file mode 100644
index 0000000000000000000000000000000000000000..0e0908fea2f4a1ccd33e355b183fb59299ca7f81
--- /dev/null
+++ b/chunks/json/70b6a3e7998607172949af59a620c581055b79c453cc961a483fc449deb59291.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1731,"char_start":0,"chunk_id":"chk_da2e58cba175545c","chunk_index":0,"chunk_sha256":"70b6a3e7998607172949af59a620c581055b79c453cc961a483fc449deb59291","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1dd742cf0fff5d45","text_sha256":"70b6a3e7998607172949af59a620c581055b79c453cc961a483fc449deb59291","token_estimate":433,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-integration-impact-memo-aug-19-2023.pdf"]},"text":"Desktop Underwriter/Desktop Originator Integration Impact Memo\nDU Version 11.1 Aug. Update\n\nJune 7, 2023\n\nUpdated July 14, 2023\n\nDuring the weekend of Aug. 19, 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 Aug. 19, 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\nNew Messages\n\nModified Messages\n\nRetired Messages\n\n2\n\n8\n\n1\n\nAdded July 14, 2023: Effective the weekend of August 19, 2023, verification reports can now be obtained for DO loan casefiles\nsubmitted using the Preliminary Findings. This enhancement will allow those DO loan casefiles to receive validation messages, as\nwell as use the positive rent payment history feature and the cash flow assessment feature.\n\nThe “Final” DU messages file will be distributed via email from Integration News (integration_news@fanniemae.com) to\nauthorized subscribers on or about July 18th, 2023.\n"}
diff --git a/chunks/json/70ba9a6c1abdaebad507c26f22a54fd890b214ee8a37681cedc63b10259ac945.json b/chunks/json/70ba9a6c1abdaebad507c26f22a54fd890b214ee8a37681cedc63b10259ac945.json
new file mode 100644
index 0000000000000000000000000000000000000000..65799b0485404df77f1f4de1ed017cedadd6e9a6
--- /dev/null
+++ b/chunks/json/70ba9a6c1abdaebad507c26f22a54fd890b214ee8a37681cedc63b10259ac945.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15482,"char_start":13815,"chunk_id":"chk_e908c41893707027","chunk_index":8,"chunk_sha256":"70ba9a6c1abdaebad507c26f22a54fd890b214ee8a37681cedc63b10259ac945","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4cc3cc07fb4fc72c","text_sha256":"70ba9a6c1abdaebad507c26f22a54fd890b214ee8a37681cedc63b10259ac945","token_estimate":417,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2024-loan-delivery-release-notes-printable-version.pdf"]},"text":"Learn more about the Mission Index: Mission Index Overview | Fannie Mae\n\nNote: To view the loan-level Mission Index scores prior to loan closing, log in to Fannie Mae Connect and search for “Loan-\nLevel Mission Score Dashboard”.\n\nMay 20, 2024\n\nCPM Validation Edits\n\nTo ensure data integrity, Loan Delivery will begin validating that the data provided in Condo Project Manager (CPM)\nmatches the data provided in Loan Delivery.\n\nNew edits will validate that the following datapoints match:\n\n• Project Name\n• Property State\n•\nLegal Structure\n• Manufactured Housing\n\nMay 20, 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\nFor a comprehensive list of edit updates, see the LD Edit Change Effective Date column in the Loan Delivery Business Rules.\n\n•\n•\n\n6 new edits to validate Property Data – CPM (1 informational, 5 warning)\n1 new informational edit to validate appraisal data\n\n© 2023 Fannie Mae Page 6 of 10\n\n•\n\n3 edits moving to warning for Credit Score\n\nJun 24, 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\n3 warning edits will move to fatal (Pool minimum servicing fee, Duty to Serve, and cooperatives eligibility)\n1 new informational edit to validate VA loan amount\n1 new warning edit to validate HomeStyle Renovation eligibility\nEdit 2697 will move to warning on June 24 and fatal on August 19 for all loans committed through the Servicing\nMarketplace (SMP). For loans not committed through SMP, this edit will move to warning on October 21.\n"}
diff --git a/chunks/json/70cc95366b18426f0bae33f7777c487da13c707367be69c94d1a92270b9ae69a.json b/chunks/json/70cc95366b18426f0bae33f7777c487da13c707367be69c94d1a92270b9ae69a.json
new file mode 100644
index 0000000000000000000000000000000000000000..55335e98a4bdff3541862940d65b87ac19ce9189
--- /dev/null
+++ b/chunks/json/70cc95366b18426f0bae33f7777c487da13c707367be69c94d1a92270b9ae69a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1730,"char_start":0,"chunk_id":"chk_d355755d2b8fa59a","chunk_index":0,"chunk_sha256":"70cc95366b18426f0bae33f7777c487da13c707367be69c94d1a92270b9ae69a","date_utc":"2026-01-27T17:54:29+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_842def5fffc24456","text_sha256":"70cc95366b18426f0bae33f7777c487da13c707367be69c94d1a92270b9ae69a","token_estimate":527,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Fraud_Prevention___FHFA_vwc7iq.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/programs/fraud-prevention\"\ndate_accessed: \"2026-01-27T17:54:20.537Z\"\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/70e8c7f4a63475e7b029a0cf5c0b4e5c9d23dc08008e528502f54e605509745b.json b/chunks/json/70e8c7f4a63475e7b029a0cf5c0b4e5c9d23dc08008e528502f54e605509745b.json
new file mode 100644
index 0000000000000000000000000000000000000000..8e3dc8fe179115d1b1a6176ac1e3392d3e208b1b
--- /dev/null
+++ b/chunks/json/70e8c7f4a63475e7b029a0cf5c0b4e5c9d23dc08008e528502f54e605509745b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1722,"char_start":0,"chunk_id":"chk_1578134296ccb495","chunk_index":0,"chunk_sha256":"70e8c7f4a63475e7b029a0cf5c0b4e5c9d23dc08008e528502f54e605509745b","date_utc":"2026-01-27T17:54:27+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_9d232742f8a3696b","text_sha256":"70e8c7f4a63475e7b029a0cf5c0b4e5c9d23dc08008e528502f54e605509745b","token_estimate":527,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/News_Releases___FHFA_51ocm.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/news/news-release\"\ndate_accessed: \"2026-01-27T17:54:20.476Z\"\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/70ebfe2bd100dceaebdd0dafab9a84beadb0510106f5a2e6822dfe203a3ddd76.json b/chunks/json/70ebfe2bd100dceaebdd0dafab9a84beadb0510106f5a2e6822dfe203a3ddd76.json
new file mode 100644
index 0000000000000000000000000000000000000000..39bcbd7595cd5359be75030823acf7a3c96f695c
--- /dev/null
+++ b/chunks/json/70ebfe2bd100dceaebdd0dafab9a84beadb0510106f5a2e6822dfe203a3ddd76.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":398209,"char_start":396538,"chunk_id":"chk_eb25d5d551993792","chunk_index":233,"chunk_sha256":"70ebfe2bd100dceaebdd0dafab9a84beadb0510106f5a2e6822dfe203a3ddd76","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"70ebfe2bd100dceaebdd0dafab9a84beadb0510106f5a2e6822dfe203a3ddd76","token_estimate":418,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"If field 1-33 (Appraisal Purpose Type =\n'Purchase') is indicated, then one and\nonly one of fields 1-50, 1-51 (values of\nSales Concession Indicator) must be\nindicated.\n\nCR\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\n52a\n\nCONTRACT\n\nIf Yes, report the total dollar\namount and describe the items\nto be paid.\n\nSales Concession\nAmount\n\nThe dollar amount of the value of sales\nconcessions granted by an interested party\nincluding such items as furniture,\ncarpeting, decorator allowances,\nautomobiles, vacations, securities,\ngiveaways or other sales incentives.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@SalesConcess\nionAmount\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 1-50 is indicated, and e-4 has a\nvalue of 'N', then this field is required.\n\nCR\n\nCR\n\nCR\n\n56\n\n1\n\ne-4\n\nCONTRACT\n\nIf Yes, report the total dollar\namount and describe the items\nto be paid.\n\nGSE Undefined\nConcession\nAmount Indicator\n\nIndicates whether there is a known sales\nor financing concessions with an\nunknown dollar amount.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/SALES_CONC\nESSION_EXTENSION/SALES_CONCESSION_EXTENSION_SECTION[@Ex\ntensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/SALES_CONCESSION_EXTENSION_SECTION_DATA/SALES_\nCONCESSION/@GSEUndefinedConcessionAmountIndicator\n\n1\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Contract Section\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nThis field is required if field 1-50 is\nindicated.\n\nCR\n\nCR\n\nCR\n\n57\n\n1\n\n52b\n\nCONTRACT\n\nIf Yes, report the total dollar\namount and describe the items\nto be paid.\n"}
diff --git a/chunks/json/711137edf17343d8442d49564b2bf0b6f08f2a08bca06d8be27523618de1545e.json b/chunks/json/711137edf17343d8442d49564b2bf0b6f08f2a08bca06d8be27523618de1545e.json
new file mode 100644
index 0000000000000000000000000000000000000000..7f40f0914ed5ea5134f273b261c81c5afaae88fe
--- /dev/null
+++ b/chunks/json/711137edf17343d8442d49564b2bf0b6f08f2a08bca06d8be27523618de1545e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":81785,"char_start":80180,"chunk_id":"chk_4497beb0168a76d7","chunk_index":126,"chunk_sha256":"711137edf17343d8442d49564b2bf0b6f08f2a08bca06d8be27523618de1545e","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"711137edf17343d8442d49564b2bf0b6f08f2a08bca06d8be27523618de1545e","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\nReport PDF\n\nThe URAR is a dynamic report with sections (black tabs) that vary based on information contained in the Appraisal. This data-driven,\nflexible, and dynamic structure for appraisal reporting will replace the legacy appraisal forms listed above. See Appendix E - Report Style\nGuide, which includes specifications for the overall design elements that apply to all pages of the Uniform Residential Appraisal Report.\n\nPage 24\n\nThe organization of the report PDF is laid out in a four-level hierarchy of information, each with defined headings and style.\n\n1. At the highest level, there are sections that appear in a black rounded tab with white lettering. This will repeat at the top of\n\neach page and will be followed by “(continued)” if a section goes onto another page.\n\n2. Next are subsections that are defined by a gray bar and indicate a grouping of information contained within each section.\n3. Labels are bolded.\n4. Sub-Labels are not bolded.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 25\n\n5. Two subsections display within most sections to allow for additional commentary to be provided to support the conclusion of\n\nvalue as well as exhibits such as images, maps, etc.\n\nThis table shows the sections of the URAR and when they appear or repeat. For more information about a section,\nreference the appropriate chapter of this guide.\n\nSection # Section Header\n\nWhen Section Displays on Report\n\nWhen Section Displays Multiple Times\n\n1\n\n2\n\n3\n\n4\n\n5\n\n6\n\n7\n\n8\n\nSummary\n\nAssignment Information\n\nSubject Property\n\nSite\n\nAlways\n\nAlways\n\nAlways\n"}
diff --git a/chunks/json/7116c973ff06479e7a2dbe812a2a314b166939f0558b896265ceaf72c98aaf88.json b/chunks/json/7116c973ff06479e7a2dbe812a2a314b166939f0558b896265ceaf72c98aaf88.json
new file mode 100644
index 0000000000000000000000000000000000000000..d8051010a05b1302a112b6458f89483ea7041ea9
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+{"chunk":{"char_end":3192,"char_start":1616,"chunk_id":"chk_5306ecce5686c975","chunk_index":1,"chunk_sha256":"7116c973ff06479e7a2dbe812a2a314b166939f0558b896265ceaf72c98aaf88","date_utc":"2026-01-27T18:07:55+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_018c415b2ba7f4a5","text_sha256":"7116c973ff06479e7a2dbe812a2a314b166939f0558b896265ceaf72c98aaf88","token_estimate":405,"warnings":["source_path=Appendix C-3 Completion Report Layout/_.pdf/Appendix C-3 Completion Report with Report Field IDs v1.2.pdf"]},"text":"Completion Report\n\nHF.001\n\nSubject Property\n\nPhysical Address\nCounty\n\n01.001\n\n01.002\n\n01.001.1\n\nPage [Page] of [Pages]\n\nLegal Description\n\n01.003 01.003.1 | 01.003.2\n\nOriginal Appraisal\n\nEffective Date of Appraisal\nOpinion of Market Value\nMarket Value Condition\n\n02.001\n\n02.002\n\n02.003\n\nFinal Value Condition Statement\n\n02.007\n\nItemized List of Repairs\n\nAppraiser\n\nReference ID\nOriginal Lender\n\n02.004\n\n02.005\n\n02.006\n\nAffects\nSoundness\nor Structural\nIntegrity\n03.001 03.002 03.003 03.004 03.005 03.006 03.007\n\nRepair\nCompleted\n\nInspection Date\n\nDescription\n\nLocation\n\nCompletion\nComment\n\nFeature\n\nNew Observed Items for Repair\n\nFeature\n\nLocation\n\nDescription\n\nAffects Soundness\nor Structural\nIntegrity\n\nRecommended\nAction\n\nInspection Date\n\n04.001 04.002 04.003 04.004 04.005 04.006\n\nCompletion Status\n\nIs construction complete?\nWas construction completed in a manner consistent with the original plans and\nspecifications?\n\nYes No\n(cid:133) (cid:133)\n(cid:133) (cid:133)\n\n05.001\n\n05.002\n\nFeature\n\nLocation\n\nComparison to Original\nPlans/Specs\n\nComment\n\n05.003 05.004 05.005 05.006\n\nCompletion Report Commentary\n\n06.001\n\nCompletion Report Exhibits\n\n07.001.1 | 07.001.2 03.001.1 | 03.001.2 04.001.1 | 04.001.2 05.001.1 | 05.001.2 05.003.1 | 05.003.2\n\nAssignment Information\n\nBorrower Name\n\n08.001\n\n08.002\n\nAppraiser Fee\nAMC Fee\nGovernment Agency\nInvestor Requested Special Identification\n\n08.004\n\n08.003\n\n08.005\n\nCompletion 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"}
diff --git a/chunks/json/7118a95ef30b3272a61042822f711b865f2f84850ca43e66ca8d687cfaf2a663.json b/chunks/json/7118a95ef30b3272a61042822f711b865f2f84850ca43e66ca8d687cfaf2a663.json
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index 0000000000000000000000000000000000000000..afb5884f83686916b0a222fa0d76a06e0c606637
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+++ b/chunks/json/7118a95ef30b3272a61042822f711b865f2f84850ca43e66ca8d687cfaf2a663.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":34267,"char_start":32664,"chunk_id":"chk_7f9fd7863fa5eafa","chunk_index":20,"chunk_sha256":"7118a95ef30b3272a61042822f711b865f2f84850ca43e66ca8d687cfaf2a663","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"7118a95ef30b3272a61042822f711b865f2f84850ca43e66ca8d687cfaf2a663","token_estimate":401,"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":"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 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024\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\n1,550 Sq. Ft.\n\n1,250 Sq. Ft.\n"}
diff --git a/chunks/json/7127883c3798e2c86d3ca3f4832c89ae700e58960529d382fa0acb729ecb8b3f.json b/chunks/json/7127883c3798e2c86d3ca3f4832c89ae700e58960529d382fa0acb729ecb8b3f.json
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index 0000000000000000000000000000000000000000..f7ade7518902d446a184691aa3a891247762617a
--- /dev/null
+++ b/chunks/json/7127883c3798e2c86d3ca3f4832c89ae700e58960529d382fa0acb729ecb8b3f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":169522,"char_start":167701,"chunk_id":"chk_114540c8b4c8547f","chunk_index":95,"chunk_sha256":"7127883c3798e2c86d3ca3f4832c89ae700e58960529d382fa0acb729ecb8b3f","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"7127883c3798e2c86d3ca3f4832c89ae700e58960529d382fa0acb729ecb8b3f","token_estimate":455,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"See SB5-3.3-01, HomeStyle Refresh for Improvements on Existing Properties, for other requirements related to HomeStyle Refresh\nloans.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 71 of 166\n\nUAD 3.6 Policy\n\nSB4-1.3-01, Review of the Uniform Residential Appraisal Report (06/04/2025)\n\nIntroduction\n\nThis topic contains information on reviewing the appraisal report, including:\n\n• Overview\n• Appraisal Report Analysis\n\nOverview\n\nThe Uniform Residential Appraisal Report (URAR) and the appraisal review requirements for one- to four-unit properties have\nbeen developed with the intent that the USPAP standards are followed, and that Fannie Mae’s policies are supportive of fair\nlending practices. This topic provides lender requirements related to the transaction details and the property and appraisal\neligibility analysis.\n\nAppraisal Report Analysis\n\nWhen an appraisal report is obtained, the lender must analyze the\n\n•\n•\n•\n•\n\ncurrent contract for sale for purchase money transactions,\ncurrent offering or listing for sale for both purchase and refinance transactions when the home was listed for sale,\ncomparable sales for both purchase and refinance transactions, and\ncurrent ownership for the subject property (see SB4-1.1-02, Lender Responsibilities, for further information).\n\nThe lender is responsible for validating that\n\n•\n\n•\n\n•\n\nthe property meets Fannie Mae’s eligibility criteria (see SB2-3-01, General Property Eligibility, for eligibility\nrequirements);\nthe appraiser has provided a credible opinion of value that reflects the market value, condition, and marketability of the\nsubject property in compliance with Fannie Mae’s Selling Guide requirements (see SB4-1.3-12, Appraisal Quality Matters,\nfor further information); and\nthe appraisal conforms with SB4-1.1-04, Unacceptable Appraisal Practices.\n"}
diff --git a/chunks/json/712fa44bc19a86ae19872bb1d5757dc77f8f43ea264fc038ee1088636b731b3e.json b/chunks/json/712fa44bc19a86ae19872bb1d5757dc77f8f43ea264fc038ee1088636b731b3e.json
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index 0000000000000000000000000000000000000000..1a282eab1dbdbcd94a7b6fc32e052de9dbd3b34c
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+++ b/chunks/json/712fa44bc19a86ae19872bb1d5757dc77f8f43ea264fc038ee1088636b731b3e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":136987,"char_start":135336,"chunk_id":"chk_136c6e1f0f224f18","chunk_index":77,"chunk_sha256":"712fa44bc19a86ae19872bb1d5757dc77f8f43ea264fc038ee1088636b731b3e","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"712fa44bc19a86ae19872bb1d5757dc77f8f43ea264fc038ee1088636b731b3e","token_estimate":413,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"as “MISMO Name Space:Data Point.”\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 61 of 76\n\nSection VI. V3.0 Reference Model Features Not Used in ULDDS\n\nExample VI-2. MISMO LDD Data Point Enumeration URN Suffix.\n\nData Point: AttachmentType\nDefinition: Specifies the type of physical attachment, if any, between the dwelling\n\nunit and adjacent dwelling units.\n\nEnumerations:\n Attached\n Detached\n SemiDetached\n\nEnumeration URN Suffixes:\n\nMISMO Namespace\n\nData Point\n\nEnumeration\n\n urn:org:MISMO:residential:2009:LDD:AttachmentType:Attached\n urn:org:MISMO:residential:2009:LDD:AttachmentType:Detached\n urn:org:MISMO:residential:2009:LDD:AttachmentType:SemiDetached\n\nNotes: The URN Suffix is another way of identifying data point valid value\n\ncombinations. This is formed as “MISMO Name Space:Data\nPoint:Enumeration.”\n\nB. Containers\n1. URN\n\nIn the same way as for data points and enumerations, a “URN” column is included in\nthe LDD for every container. The URN is simply the MISMO Name Space in URN\nForm, followed by a colon, then the container name, all without spaces. This is\nanother representation of the container. Business partners usually do not need to refer\nto this column.\n\nExample VI-3. MISMO LDD Container URN Suffix.\n\nContainer: INTEREST_LIFETIME_ADJUSTMENT_RULE\nDefinition: Data that describes the rules that that apply to interest rate adjustments\nin effect for the entire life of the loan or for a single unique occurrence such as a\nfirst rate adjustment. In general the elements are usually known at the time of\nclosing.\n"}
diff --git a/chunks/json/713aa333c09b4fbf6cd2af5f11d39a1d588960782a55e8e7fe4ad3e7bbc3bbe8.json b/chunks/json/713aa333c09b4fbf6cd2af5f11d39a1d588960782a55e8e7fe4ad3e7bbc3bbe8.json
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@@ -0,0 +1 @@
+{"chunk":{"char_end":174872,"char_start":173201,"chunk_id":"chk_5b095e8b1a50fe49","chunk_index":98,"chunk_sha256":"713aa333c09b4fbf6cd2af5f11d39a1d588960782a55e8e7fe4ad3e7bbc3bbe8","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"713aa333c09b4fbf6cd2af5f11d39a1d588960782a55e8e7fe4ad3e7bbc3bbe8","token_estimate":418,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"•\n\nreport the total dollar amount of the value of all sales concessions that will be paid by an interested party, including\nmonetary contributions or items such as furniture, carpeting, etc. (if the appraiser is not able to determine a dollar\namount for all or part of the financial sales concessions, the appraiser must select ‘no’);\nidentify whether the sales concession is typical for the market; and\n\n•\n• provide a description of the items being paid.\n\nPrior Sale and Transfer History - Subject\n\nThe appraiser must report on all prior sales or transfers (not the current sale) for the subject property for three years prior to the\neffective date of the appraisal, or longer if relevant.\n\nPrior Sale and Transfer History – Comparable Sales\n\nThe appraiser must report in the Sales Comparison Approach section for each comparable property all prior sales or transfers\nthat occurred within one year prior to the sale or listing reported in the Sales Comparison Approach:\n\n•\n\nSettled sales: All sales or transfers 12 months prior to the comparable sale date as reported in the Sales Comparison\nApproach section; and\n\n• All other non-settled comparables (Active, Pending, or Off Market): All sales or transfers 12 months prior to the\n\neffective date of the appraisal.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 74 of 166\n\nUAD 3.6 Policy\n\nSB4-1.3-03, Market Section of the Uniform Residential Appraisal Report\n(06/04/2025)\n\nIntroduction\n\nThis topic contains information on reviewing the Market section of the appraisal report, including:\n\n• Overview\n• Market Area Boundaries, Description and Analysis\n• Degree of Development\n• Market Trends\n• Over-Improvements\n•\n"}
diff --git a/chunks/json/7150dadb742f5a55fbcd792e1f191ece78162598f10a68820153ea27dc08b52d.json b/chunks/json/7150dadb742f5a55fbcd792e1f191ece78162598f10a68820153ea27dc08b52d.json
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index 0000000000000000000000000000000000000000..548a0d05134e29a798993364cf4cdbb8d625169f
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+{"chunk":{"char_end":283015,"char_start":281400,"chunk_id":"chk_8a7ac5b3ac4e0169","chunk_index":163,"chunk_sha256":"7150dadb742f5a55fbcd792e1f191ece78162598f10a68820153ea27dc08b52d","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"7150dadb742f5a55fbcd792e1f191ece78162598f10a68820153ea27dc08b52d","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Page 7 of 30\nPage 7 of 30\n\nDwelling Exterior (continued)\n\nQuality and Condition\n\nExterior Quality Rating\n\nQ4\n\nExterior Condition Rating\n\nC1\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\nVinyl\n\nFoundation\n\nRoof\n\nPoured Concrete | Crawl\nSpace | Pier with Tie Down\n\nComposition\nEstimated Age: Less than\n1 year\n\nQuality Comment\nStandard building plans and\nmaterials\n\nCondition Status\nNew or Like New\n\nNew or Like New\n\n30 year composition shingle\n\nNew or Like New\n\nCondition Comment\n\nFoundation is a new poured\nconcrete footing to support\npiers.\n\nWindows\n\nVinyl\n\nInsulated\n\nNew or Like New\n\nCore Heating System Below Grade\n\nYes No\n \n\nMechanical System Details\n\nHeating\n\nCooling\n\nSystem\nForced Warm Air\n\nCentralized\n\nDetail\nElectric\n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior)\n\nNone\n\nDwelling Exterior Commentary\n\nSubject is a newly installed manufactured home.\n\nDwelling Exterior Exhibits\n\nDwelling Rear\n\nThis is where the Dwelling Rear photo would display.\n\nManufactured Home\n\nManufacturer Name\nYear Installed\nMoved Since Original Installation No\n\nReally Nice Homes\n2019\n\nAttached to Permanent\nFoundation\nTowing Hitch, Wheels, Axles\nRemoved\nManufactured Home Width\nSkirting\n\nYes\n\nYes\nMulti\nVinyl\n\nYes No\nHave there been any modifications, attachments or additions that rely on or have altered the original structure for support?  \n\nHUD Data Plate\n\nHUD Data Plate Attached\nDate of Manufacture\nSerial Number\n\nYes\n01/15/2019\norflw48A25709-gh13/\norflw48B25709-gh13\n"}
diff --git a/chunks/json/715dc598365f81bce71021e3669d3dddda5b045683a69d3babd19386499d1f57.json b/chunks/json/715dc598365f81bce71021e3669d3dddda5b045683a69d3babd19386499d1f57.json
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index 0000000000000000000000000000000000000000..0b7dc31fa8615471c6f659d591b579cd39b33723
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+{"chunk":{"char_end":327970,"char_start":325908,"chunk_id":"chk_8977d60a5e74e30b","chunk_index":273,"chunk_sha256":"715dc598365f81bce71021e3669d3dddda5b045683a69d3babd19386499d1f57","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"715dc598365f81bce71021e3669d3dddda5b045683a69d3babd19386499d1f57","token_estimate":515,"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\nFigure 18 - 2\n\nPage 250\n\nProject Factors and Impact to Value/Marketability\n\nThe Project Factors and Impact to Value/Marketability table provides information about the units within the project. The appearance of the\ntable varies based on the details of the property being appraised.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n.\n\nThe Project Factors and Impact to Value/Marketability table displays when either PropertyInProjectIndicator = “true” OR PUDIndicator =\n“true”.\n\nBoth Impact – ValueMarketabilityImpactType and Comment – ValuationCommentText require ValuationAnalysisCategoryType to be\nspecified. (Figure 18 - 3)\n\nPage 251\n\nFigure 18 - 3\n\n<VALUATION_COMMENTARY>\n\n<ValuationAnalysisCategoryType>SingleEntityGreatestNumberOfUnitsOwned</ValuationAnalysisCategoryType>\n<ValuationCommentText>Add comment if needed</ValuationCommentText>\n<ValueMarketabilityImpactType>Neutral</ValueMarketabilityImpactType>\n\n</VALUATION_COMMENTARY>\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nProject Information: Project Factors and Impact to Value/Marketability\n\nProject Factor: Developer/Sponsor in Control\n\n18.064\n\nDetail\n\n2500.0067\n\nProjectDeveloperOrSponsorControlsProjectManagementIndic\nator\n\n18.074\n\nImpact\n\n2500.0144 ValueMarketabilityImpactType\n\n18.084\n\nComment\n\n2500.0143 ValuationCommentText\n\nProject Factor: Incomplete Project\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nDisplay when PropertyInProjectIndicator = “true” OR PUDIndicator =\n“true”\nWhen “true” display “Yes”\nWhen “false” display “No”\nDisplay when ValuationAnalysisCategoryType (UID: 2500.0142, FID: Not on\nreport) = \"ProjectDeveloperOrSponsorControlsProjectManagement\"\nDisplay when (ValueMarketabilityImpactType = \"Adverse\" OR \"Beneficial\")\nOR\n(ValueMarketabilityImpactType = \"Neutral\" AND Exists)) OR\n(ProjectDeveloperOrSponsorControlsProjectManagementIndicator = \"false\"\nAND Exists)\nDisplay when PropertyInProjectIndicator = “true” AND\nProjectCompletedIndicator (UID: 2500.0058, FID: Not on report) = “false”\n"}
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+++ b/chunks/json/7169ef60ca47c3fefd47810550aba0858d9db94988c6afe5ad491c9846a3a945.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":189878,"char_start":188127,"chunk_id":"chk_0cc5626e471a45c3","chunk_index":110,"chunk_sha256":"7169ef60ca47c3fefd47810550aba0858d9db94988c6afe5ad491c9846a3a945","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"7169ef60ca47c3fefd47810550aba0858d9db94988c6afe5ad491c9846a3a945","token_estimate":437,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"8\n44\n$550,000\n$875,000\n$1,450,000\n2\n\nSales in Past 12 Months\n\nLowest Sale Price\nMedian Sale Price\nHighest Sale Price\n\nDistressed Market Competition\nPrice Trend Source\n\n32\n$535,000\n$850,000\n$1,350,000\nNo\nBlank Gazette\n\nPrice Trend Analysis Commentary The subject is located in a suburban area where there has not been a robust sales market for new\nconstruction within a golf community. To develop a reasonable price trend there was a need to go back 12 months to review enough activity\nto develop a market trend. The inventory remains low to moderate, and homes are selling in less than 60 days on average.\n\nHousing Trends\n\nDemand/Supply\n\nMarket Commentary\n\nIn Balance\n\nMarketing Time\n\nUnder 3 Months\n\nThe subject is located in a golf course community so comparable selection focused on properties with similar influences. The subject is\nconsidered a site condominium, which means the dwelling is maintained by the owner, the land is not owned in common, but the legal\ndescription has an undivided interest. These property types are somewhat unique so finding sales with the same ownership rights is more\nlimited. There is no measurable impact to marketability within this area.\n\nProject Information\n\nPlanned Unit Development (PUD) \n\nCondominium \n\nCooperative \n\nCondop \n\nYes No\n \n\n \n \n\nProject Name\nProject Information Data Source Assessor Record\n\nGrammy Gold\n\nProject Completeness\n\nAre units, common areas, and amenities in project\ncomplete?\nConverted in Past 3 Years\n\nGround Rent\n\nTotal Units\nUnits Sold\nUnits for Sale\nUnits Rented\n\nBuilder or Developer\nHOA\n50\n47\n3\n~2\n\nReason Units Rented is Estimated The data shows only two off-\nsite mailing addresses, therefore assumed that they are rented units.\nMandatory Fees (HOA, PUD, or Co-op)\n"}
diff --git a/chunks/json/716e98780b0cc3337aa5aa6a33ce46acc17c24dea874837c54799482397e242f.json b/chunks/json/716e98780b0cc3337aa5aa6a33ce46acc17c24dea874837c54799482397e242f.json
new file mode 100644
index 0000000000000000000000000000000000000000..ade4e536b363c07452dee87fd4f1415f8a626b2a
--- /dev/null
+++ b/chunks/json/716e98780b0cc3337aa5aa6a33ce46acc17c24dea874837c54799482397e242f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":449302,"char_start":447649,"chunk_id":"chk_0845c2c9ada260bf","chunk_index":263,"chunk_sha256":"716e98780b0cc3337aa5aa6a33ce46acc17c24dea874837c54799482397e242f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"716e98780b0cc3337aa5aa6a33ce46acc17c24dea874837c54799482397e242f","token_estimate":414,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"UAD Instruction - Refer to Appendix D Project Information Section\nIf the project includes more than one design type, this field indicates the design type\nthat applies to the subject unit, and the appraiser may indicate the other design types in\nthe addendum.\n\nOne and only one selection from fields\n1-132, 1-133, 1-134, 1-135, 1-136, 1-\n137 (values of Project Design Type)\nshould be indicated.\n\nUAD Instruction - Refer to Appendix D Project Information Section\nIf the project includes more than one design type, this field indicates the design type\nthat applies to the subject unit, and the appraiser may indicate the other design types in\nthe addendum.\n\nOne and only one selection from fields\n1-132, 1-133, 1-134, 1-135, 1-136, 1-\n137 (values of Project Design Type)\nshould be indicated.\n\nUAD Instruction - Refer to Appendix D Project Information Section\nIf the project includes more than one design type, this field indicates the design type\nthat applies to the subject unit, and the appraiser may indicate the other design types in\nthe addendum.\n\nOne and only one selection from fields\n1-132, 1-133, 1-134, 1-135, 1-136, 1-\n137 (values of Project Design Type)\nshould be indicated.\n\nUAD Instruction - Refer to Appendix D Project Information Section\nIf the project includes more than one design type, this field indicates the design type\nthat applies to the subject unit, and the appraiser may indicate the other design types in\nthe addendum.\n\nOne and only one selection from fields\n1-132, 1-133, 1-134, 1-135, 1-136, 1-\n137 (values of Project Design Type)\nshould be indicated.\n\nString\n\nUAD Instruction - Refer to Appendix D Project Information Section\n"}
diff --git a/chunks/json/7174c337e2a3d4d918355ef744bc7b47454f879cbcf13d51f15fdb4174e06222.json b/chunks/json/7174c337e2a3d4d918355ef744bc7b47454f879cbcf13d51f15fdb4174e06222.json
new file mode 100644
index 0000000000000000000000000000000000000000..27ac6c09b4923e7e6785fa980a7549bb9a37f9d9
--- /dev/null
+++ b/chunks/json/7174c337e2a3d4d918355ef744bc7b47454f879cbcf13d51f15fdb4174e06222.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7994,"char_start":7470,"chunk_id":"chk_1ee6e84f522a0e50","chunk_index":4,"chunk_sha256":"7174c337e2a3d4d918355ef744bc7b47454f879cbcf13d51f15fdb4174e06222","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5e31f440bb6fafd4","text_sha256":"7174c337e2a3d4d918355ef744bc7b47454f879cbcf13d51f15fdb4174e06222","token_estimate":131,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-release-nov18-2023.pdf","below_target_min_tokens"]},"text":"Miscellaneous Message Text Changes\n\nTo continue to provide clarity and consistency with the Selling Guide, various DU messages will be updated.\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\n10.25.23\n\n3 of 3\n"}
diff --git a/chunks/json/717672de739cc305d71cca125c994348c9529523f8d30bd8a89f99fc9af966e6.json b/chunks/json/717672de739cc305d71cca125c994348c9529523f8d30bd8a89f99fc9af966e6.json
new file mode 100644
index 0000000000000000000000000000000000000000..14d9d161962dcb2fa46af3c6d32e5870ba93a1c5
--- /dev/null
+++ b/chunks/json/717672de739cc305d71cca125c994348c9529523f8d30bd8a89f99fc9af966e6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":759108,"char_start":757451,"chunk_id":"chk_620fd6a934a1beae","chunk_index":452,"chunk_sha256":"717672de739cc305d71cca125c994348c9529523f8d30bd8a89f99fc9af966e6","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"717672de739cc305d71cca125c994348c9529523f8d30bd8a89f99fc9af966e6","token_estimate":415,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"29.066 Date of\n\nSignature and\nReport\n\n29.067\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\nAllowable\nAnswers / Format\n\nFree-form\n\nmm/dd/yyyy\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nContact Name\nThe full name of the appraiser or supervisory appraiser, as it appears on the\nASC National Registry.\n\nNote: Redisplays from 2.017 (Appraiser) or 2.032 (Supervisory Appraiser).\n\nThe date the appraisal is transmitted to the client upon completion of the\nassignment.\nNote: If revisions are performed, the report must reflect the new date.\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\n•\n•\n•\n•\n\n•\n\n29.068\n\nID\n\nDisplays if Credential\nType is not None\n\nFree-form\n\n29.069\n\nState\n\nDisplays if Credential\nType is not None\n\n2-letter USPS state\ncode\n\nNote: Redisplays from 2.024 (Appraiser) or 2.039 (Supervisory Appraiser).\n\nThe credential as reported by the ASC. Commonly referred to as “credential\nnumber”, “license number”, or “certification number”.\nNote: Redisplays from 2.025 (Appraiser) or 2.040 (Supervisory Appraiser).\n\nState credential that applies to the assignment, commonly referred to as the\n“credentialling state”.\nNote: Redisplays from 2.026 (Appraiser) or 2.041 (Supervisory Appraiser).\n"}
diff --git a/chunks/json/717b505e232239b1522e9ade278e975be1eebd0791f1ed43678761775b457077.json b/chunks/json/717b505e232239b1522e9ade278e975be1eebd0791f1ed43678761775b457077.json
new file mode 100644
index 0000000000000000000000000000000000000000..18993baea0c29cc3cab8c1c858380eace8723c5e
--- /dev/null
+++ b/chunks/json/717b505e232239b1522e9ade278e975be1eebd0791f1ed43678761775b457077.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":270486,"char_start":268789,"chunk_id":"chk_7a984b4a897ea07c","chunk_index":239,"chunk_sha256":"717b505e232239b1522e9ade278e975be1eebd0791f1ed43678761775b457077","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"717b505e232239b1522e9ade278e975be1eebd0791f1ed43678761775b457077","token_estimate":424,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"3900.0155\n\nRELATIONSHIP\n\n@xlink:from\n\nDEFECT_n\n\n3900.0156\n\nRELATIONSHIP\n\n@xlink:to\n\nPROPERTY_UNIT_n\n\n3900.0129\n\nDEFECT\n\n@xlink:label\n\nDEFECT_n\n\n3900.0119\n\nPROPERTY_UNIT @xlink:label\n\nPROPERTY_UNIT_n\n\nEach defect reported in this section must be associated to the living unit where the defect was identified. i.e., DEFECT container must have an\narcrole to the instance of the PROPERTY_UNIT container where the defect was identified.\n\nThe example below demonstrates the arcrole, there is a flooring defect (xlink:label = “Defect_FlooringDefect”) that is related to subject\nproperty unit 1 (xlink:label = “PROPERTY_UNIT_SubjectUnit1”).\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\n11 Functional Obsolescence\n\nPage 200\n\nThe Functional Obsolescence section provides information about any functional issues. The section provides space for additional\ncommentary and exhibits.\n\nThe Functional Obsolescence section always displays in the report.\n\n• When Functional Issues - FunctionalIssueType (UID:3600.0002, FID: 11.000) = “None”, None displays in the field. (Figure 11 - 1)\n• When Functional Issues are identified, additional details for each functional issue must be provided in Functional Obsolescence\n\nCommentary.\n\no\n\nIf there are multiple functional issues, all display in same row separated by \"|\".\n\nFigure 11 - 1\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 201\n\nFunctional Obsolescence Commentary\n\nThe Functional Obsolescence Commentary subsection displays only when comments are provided. Any commentary must use\nFunctionalIssueDescription (UID: 3600.0006, FID: 11.001).\n"}
diff --git a/chunks/json/717ba4ef9ca0268083f73610b2bfd254c4aa2152dc3dabd437e5f79fb914d75d.json b/chunks/json/717ba4ef9ca0268083f73610b2bfd254c4aa2152dc3dabd437e5f79fb914d75d.json
new file mode 100644
index 0000000000000000000000000000000000000000..ef2963d727dcc5c16031f741a910de992578caf4
--- /dev/null
+++ b/chunks/json/717ba4ef9ca0268083f73610b2bfd254c4aa2152dc3dabd437e5f79fb914d75d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":167699,"char_start":165792,"chunk_id":"chk_0a8d89d324e68d72","chunk_index":94,"chunk_sha256":"717ba4ef9ca0268083f73610b2bfd254c4aa2152dc3dabd437e5f79fb914d75d","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"717ba4ef9ca0268083f73610b2bfd254c4aa2152dc3dabd437e5f79fb914d75d","token_estimate":477,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"© 2025 Fannie Mae December 2025 Page 70 of 166\n\nUAD 3.6 Policy\n\n✓\n\nRequirements for HomeStyle Refresh Improvements on Existing Construction\n\nA Completion Report must be obtained to verify the work was completed and must:\n\n• be completed by the appraiser,\n•\n\nstate that the improvements were completed in accordance with the requirements and conditions in\nthe original appraisal report, and\n\n• be accompanied by photographs of the completed improvements.\n\nLenders must establish a completion escrow for the total cost of the improvements. Lenders may include a\ncontingency reserve of up to 20% of the total cost of improvements.\n\nLender must ensure the escrow account is a custodial account that satisfies Fannie Mae’s criteria for custodial\naccounts and depositories as outlined in Servicing Guide, A4-1-02, Establishing Custodial Bank Accounts.\n\nLenders and borrowers must execute an escrow agreement that states how the escrow account will be managed\nand how funds from the escrow account will be disbursed.\n\nThe completion escrow may not adversely affect the mortgage insurance or title insurance.\n\nOnce a Completion Report is obtained, the lender must release the final draw from the escrow account, which\nshould include any funds in excess of the amount needed to pay for completion of the improvements. Any\nfunds remaining in the escrow account after the work is completed must be applied to reduce the unpaid\nprincipal balance of the loan. The value of sweat equity and “Do It Yourself” improvements are not\nreimbursable.\n\nLenders must obtain a final title report, which must not show any outstanding mechanic’s liens, take any\nexceptions to the postponed improvements, or take any exceptions to the escrow agreement. If the final title\nreport is issued before the completion of the improvements, lenders must obtain an endorsement to the title\npolicy that ensures the priority of Fannie Mae’s lien.\n"}
diff --git a/chunks/json/718021cec25f6222d03769e0a8f0ebb7c066dab405104e29387f660ed7b297d0.json b/chunks/json/718021cec25f6222d03769e0a8f0ebb7c066dab405104e29387f660ed7b297d0.json
new file mode 100644
index 0000000000000000000000000000000000000000..59121b9e85fc784d70986275743b331599b42cdf
--- /dev/null
+++ b/chunks/json/718021cec25f6222d03769e0a8f0ebb7c066dab405104e29387f660ed7b297d0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12201,"char_start":10475,"chunk_id":"chk_aaea69fdfece7581","chunk_index":6,"chunk_sha256":"718021cec25f6222d03769e0a8f0ebb7c066dab405104e29387f660ed7b297d0","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f1e9e323046af3f6","text_sha256":"718021cec25f6222d03769e0a8f0ebb7c066dab405104e29387f660ed7b297d0","token_estimate":432,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_House_Price_Index____FHFA_57dbusi.md"]},"text":"- [Other historical news releases and reports](/reports/house-price-index)\n- [FHFA House Price Index® FAQs](/faqs/hpi)\n- [Methodology: HPI Technical Paper](/research/papers/house-price-indexes-hpi-technical-description)\n- [FHFA House Price Index® Focus Pieces](/data/hpi/focus-pieces)\n## [Datasets](/data/hpi/datasets)\n\n---\n\n[Monthly Purchase-Only Indexes](/data/hpi/datasets?tab=monthly-data)\nThe standard indexes reported in monthly news releases. Use prices from sales transactions of mortgage data obtained from the Enterprises.\n\n[Quarterly Purchase-Only Indexes](/data/hpi/datasets?tab=quarterly-data#qpo)\nThe standard indexes reported in quarterly news releases. Use prices from sales transactions of mortgage data obtained from the Enterprises.\n\n[Quarterly All-Transactions Indexes](/data/hpi/datasets?tab=quarterly-data#qat)\nBuild on the purchase-only index data by adding prices from appraisal data obtained from the Enterprises.\n\n[Quarterly Expanded-Data indexes](/data/hpi/datasets?tab=quarterly-data#qexe)\nBuild on the purchase-only data by adding transactions from FHA and county recorder data (with sales prices below the annual loan limit ceiling).\n\n[Purchase-Only Indexes Volatility Parameters](/data/hpi/datasets?tab=volatility-parameters)\nThe standard deviation of house price growth (accounting for the time between repeat sales). Use prices from sales transactions of mortgage data obtained from the Enterprises.\n\n[All-Transactions Indexes Volatility Parameters](/data/hpi/datasets?tab=additional-data)\nThe standard deviation of house price growth (accounting for the time between repeat sales). Build on the purchase-only volatility data by adding prices from appraisal data obtained from the Enterprises.\n"}
diff --git a/chunks/json/7183457d181b1ab9935ae19f859ff68d76e40d3beb9e98775c4e570f344d3ec9.json b/chunks/json/7183457d181b1ab9935ae19f859ff68d76e40d3beb9e98775c4e570f344d3ec9.json
new file mode 100644
index 0000000000000000000000000000000000000000..bdcc09fa2317232fe1b153b06d585363a24d6a2a
--- /dev/null
+++ b/chunks/json/7183457d181b1ab9935ae19f859ff68d76e40d3beb9e98775c4e570f344d3ec9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":369795,"char_start":368116,"chunk_id":"chk_5a6fb06329b4566e","chunk_index":205,"chunk_sha256":"7183457d181b1ab9935ae19f859ff68d76e40d3beb9e98775c4e570f344d3ec9","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"7183457d181b1ab9935ae19f859ff68d76e40d3beb9e98775c4e570f344d3ec9","token_estimate":420,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"The BORROWER’S TRANSACTION includes sections to disclose prorated amounts due from the borrower(s) to\nreimburse the seller(s) and vice versa. Under the heading “Adjustments for Items Paid by Seller in Advance” the\nlender must disclose amounts of any item paid in advance due from the borrower(s) to reimburse the seller(s) at\nclosing, prorated for the period corresponding to each amount, if applicable. Prepaid items include city, town, or\ncounty taxes, assessments, and any additional items paid by the seller prior to closing that are due from the\nborrower(s) at closing.\n\nSummaries of Transactions\nBORROWER’S TRANSACTION (11.0 – 13.0)\n\n11.0 K. Due from Borrower at Closing\n07\n\nAdjustments for Items Paid by Seller in Advance\n\n0811.6 City/Town Taxes 4/15/14 to 4/30/14\n\n0911.7 County Taxes __ to __\n\n1011.8 Assessments __ to __\n\n1111.9 HOA Dues 4/15/14 to 4/30/14\n13\n\n11.0.1\n\n$252,347.30\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 96. Adjustments for Items Paid by Seller in Advance\n\nThe Regulation specifies the order and contents of each of the first three line items that must appear in this\nsection (Figure 96).\n\nAppendix E: UCD Implementation Guide\n\nPage 169 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n11.0 K. Due from Borrower at Closing\n\n11.6\n\n11.7\n\nCity or Town Taxes for which the seller has paid in advance, the start date and end date (inclusive)\ncovered by the payment, and the total dollar amount.\n\nCounty Taxes for which the seller has paid in advance, the start date and end date (inclusive)\ncovered by the payment, and the total dollar amount.\n\n11.8 Assessments for which the seller has paid in advance, the start date and end date (inclusive)\n"}
diff --git a/chunks/json/71915b911b5e46a55843ac36e987edbb35d468f1b28fcf8af6e4dfb60289d3a0.json b/chunks/json/71915b911b5e46a55843ac36e987edbb35d468f1b28fcf8af6e4dfb60289d3a0.json
new file mode 100644
index 0000000000000000000000000000000000000000..589c02fb15c24a3a9ce842476fbcb8da0f527090
--- /dev/null
+++ b/chunks/json/71915b911b5e46a55843ac36e987edbb35d468f1b28fcf8af6e4dfb60289d3a0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8307,"char_start":6686,"chunk_id":"chk_61869d5d31d0c83f","chunk_index":4,"chunk_sha256":"71915b911b5e46a55843ac36e987edbb35d468f1b28fcf8af6e4dfb60289d3a0","date_utc":"2026-01-27T18:07:55+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_018c415b2ba7f4a5","text_sha256":"71915b911b5e46a55843ac36e987edbb35d468f1b28fcf8af6e4dfb60289d3a0","token_estimate":406,"warnings":["source_path=Appendix C-3 Completion Report Layout/_.pdf/Appendix C-3 Completion Report with Report Field IDs v1.2.pdf"]},"text":"09.013\n\n5. I stated my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to the assumptions and\nlimiting conditions herein.\n\n09.014\n\n6. I certify that I did perform a personal onsite inspection of the subject property to determine if the conditions or requirements stated in the\noriginal appraisal have been satisfied.\n\n6. I certify that I did not perform a personal onsite inspection of the subject property to determine if the conditions or requirements stated in\nthe original appraisal have been satisfied.\n\nDescription:\n\n09.015\n\n09.016\n\n7. 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\n09.017\n\nAdditional Appraiser Certifications\n\nAdditional Appraiser Certifications cannot be contrary to the original Appraiser Certifications.\n1.\n\n09.018\n\n09.019\n\nSupervisory Appraiser Certifications\n\n09.020\n\nThe Supervisory Appraiser certifies and agrees that:\n\n09.021\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/71a191539dda81b3d8a665d7158e306f09dc263eb8a75b844426661af5bec3e3.json b/chunks/json/71a191539dda81b3d8a665d7158e306f09dc263eb8a75b844426661af5bec3e3.json
new file mode 100644
index 0000000000000000000000000000000000000000..c532fcee148446ff6d9ff89821d16d69272b5c99
--- /dev/null
+++ b/chunks/json/71a191539dda81b3d8a665d7158e306f09dc263eb8a75b844426661af5bec3e3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":262515,"char_start":0,"chunk_id":"chk_c517dfeb32a267e8","chunk_index":0,"chunk_sha256":"71a191539dda81b3d8a665d7158e306f09dc263eb8a75b844426661af5bec3e3","date_utc":"2026-01-27T18:13:06+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_f878682aedcc15b0","text_sha256":"71a191539dda81b3d8a665d7158e306f09dc263eb8a75b844426661af5bec3e3","token_estimate":1000,"warnings":["source_path=Public_Use_Database___FHFA/links/2024_pudb_mf_ctf/2024_PUDB_MF_CTF/2024_st_cnty.csv","exceeds_max_chunk_chars_truncated"]},"text":"state_fips: 01 | state_name: AL | county_fips: 001 | county_name: Autauga County\nstate_fips: 01 | state_name: AL | county_fips: 003 | county_name: Baldwin County\nstate_fips: 01 | state_name: AL | county_fips: 005 | county_name: Barbour County\nstate_fips: 01 | state_name: AL | county_fips: 007 | county_name: Bibb County\nstate_fips: 01 | state_name: AL | county_fips: 009 | county_name: Blount County\nstate_fips: 01 | state_name: AL | county_fips: 011 | county_name: Bullock County\nstate_fips: 01 | state_name: AL | county_fips: 013 | county_name: Butler County\nstate_fips: 01 | state_name: AL | county_fips: 015 | county_name: Calhoun County\nstate_fips: 01 | state_name: AL | county_fips: 017 | county_name: Chambers County\nstate_fips: 01 | state_name: AL | county_fips: 019 | county_name: Cherokee County\nstate_fips: 01 | state_name: AL | county_fips: 021 | county_name: Chilton County\nstate_fips: 01 | state_name: AL | county_fips: 023 | county_name: Choctaw County\nstate_fips: 01 | state_name: AL | county_fips: 025 | county_name: Clarke County\nstate_fips: 01 | state_name: AL | county_fips: 027 | county_name: Clay County\nstate_fips: 01 | state_name: AL | county_fips: 029 | county_name: Cleburne County\nstate_fips: 01 | state_name: AL | county_fips: 031 | county_name: Coffee County\nstate_fips: 01 | state_name: AL | county_fips: 033 | county_name: Colbert County\nstate_fips: 01 | state_name: AL | county_fips: 035 | county_name: Conecuh County\nstate_fips: 01 | state_name: AL | county_fips: 037 | county_name: Coosa County\nstate_fips: 01 | state_name: AL | county_fips: 039 | county_name: Covington County\nstate_fips: 01 | state_name: AL | county_fips: 041 | county_name: Crenshaw County\nstate_fips: 01 | state_name: AL | county_fips: 043 | county_name: Cullman County\nstate_fips: 01 | state_name: AL | county_fips: 045 | county_name: Dale County\nstate_fips: 01 | state_name: AL | county_fips: 047 | county_name: Dallas County\nstate_fips: 01 | state_name: AL | county_fips: 049 | county_name: DeKalb County\nstate_fips: 01 | state_name: AL | county_fips: 051 | county_name: Elmore County\nstate_fips: 01 | state_name: AL | county_fips: 053 | county_name: Escambia County\nstate_fips: 01 | state_name: AL | county_fips: 055 | county_name: Etowah County\nstate_fips: 01 | state_name: AL | county_fips: 057 | county_name: Fayette County\nstate_fips: 01 | state_name: AL | county_fips: 059 | county_name: Franklin County\nstate_fips: 01 | state_name: AL | county_fips: 061 | county_name: Geneva County\nstate_fips: 01 | state_name: AL | county_fips: 063 | county_name: Greene County\nstate_fips: 01 | state_name: AL | county_fips: 065 | county_name: Hale County\nstate_fips: 01 | state_name: AL | county_fips: 067 | county_name: Henry County\nstate_fips: 01 | state_name: AL | county_fips: 069 | county_name: Houston County\nstate_fips: 01 | state_name: AL | county_fips: 071 | county_name: Jackson County\nstate_fips: 01 | state_name: AL | county_fips: 073 | county_name: Jefferson County\nstate_fips: 01 | state_name: AL | county_fips: 075 | county_name: Lamar County\nstate_fips: 01 | state_name: AL | county_fips: 077 | county_name: Lauderdale County\nstate_fips: 01 | state_name: AL | county_fips: 079 | county_name: Lawrence County\nstate_fips: 01 | state_name: AL | county_fips: 081 | county_name: Lee County\nstate_fips: 01 | state_name: AL | county_fips: 083 | county_name: Limestone County\nstate_fips: 01 | state_name: AL | county_fips: 085 | county_name: Lowndes County\nstate_fips: 01 | state_name: AL | county_fips: 087 | county_name: Macon County\nstate_fips: 01 | state_name: AL | county_fips: 089 | county_name: Madison County\nstate_fips: 01 | state_name: AL | county_fips: 091 | county_name: Marengo County\nstate_fips: 01 | state_name: AL | county_fips: 093 | county_name: Marion County\nstate_fips: 01 | state_name: AL | county_fips: 095 | county_name: Marshall County\nstate_fips: 01 | state_name: AL | county_fips: 097 | county_name: Mobile County\nstate_fips: 01 | state_name: AL | county_fips: 099\n"}
diff --git a/chunks/json/71ab722b92664c14080fa94469cee49ec633f4b18e79f5478f035a8e9d08f8df.json b/chunks/json/71ab722b92664c14080fa94469cee49ec633f4b18e79f5478f035a8e9d08f8df.json
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index 0000000000000000000000000000000000000000..d5fefa2e3778689117c135861cf692771f5c76d1
--- /dev/null
+++ b/chunks/json/71ab722b92664c14080fa94469cee49ec633f4b18e79f5478f035a8e9d08f8df.json
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+{"chunk":{"char_end":538109,"char_start":536407,"chunk_id":"chk_ff0eeea6b86b71fb","chunk_index":317,"chunk_sha256":"71ab722b92664c14080fa94469cee49ec633f4b18e79f5478f035a8e9d08f8df","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"71ab722b92664c14080fa94469cee49ec633f4b18e79f5478f035a8e9d08f8df","token_estimate":426,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Note: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nPRIOR SALE\nHISTORY\n\nPRIOR SALE\nHISTORY\n\nI did research the sale or\ntransfer history of the subject\nproperty and comparable sales.\nI did not research the sale or\ntransfer history of the subject\nproperty and comparable sales.\n\nSales History\nResearched\nIndicator\nSales History\nResearched\nIndicator\n\nIndicates that the sales or transfer history\nresearch of the subject property and\ncomparable sales was performed.\nIndicates that the sales or transfer history\nresearch of the subject property and\ncomparable sales was performed.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/RESEARCH[@SalesHistoryResearchedIndicator=‘Y’]\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/RESEARCH[@SalesHistoryResearchedIndicator=‘N’]\n\n1\n\n1\n\nBoolean\n\nBoolean\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nOne and only one of fields 2-89, 2-90\n(Property Analysis Type =\n'PhysicalDeficiency' and values of\nProperty Analysis Exists Indicator)\nshould be indicated.\n\nOne and only one of fields 2-89, 2-90\n(Property Analysis Type =\n'PhysicalDeficiency' and values of\nProperty Analysis Exists Indicator)\nshould be indicated.\n\nThis field should be populated if field 2-\n89 (Property Analysis Type =\n'PhysicalDeficiency' and Property\nAnalysis Exists Indicator = 'Y') is\nindicated.\n\nOne and only one of fields 2-92, 2-93\n(Property Analysis Type =\n'ConformsToNeighborhood' and values\nof Property Analysis Exists Indicator)\nshould be indicated.\n\nOne and only one of fields 2-92, 2-93\n(Property Analysis Type =\n'ConformsToNeighborhood' and values\nof Property Analysis Exists Indicator)\nshould be indicated.\n"}
diff --git a/chunks/json/71affaf02d2e797fedac1310363b3c26147002be2e17919c4433579a4a5586e3.json b/chunks/json/71affaf02d2e797fedac1310363b3c26147002be2e17919c4433579a4a5586e3.json
new file mode 100644
index 0000000000000000000000000000000000000000..ca9c89e833e59a252a681a801fa9aee285cad665
--- /dev/null
+++ b/chunks/json/71affaf02d2e797fedac1310363b3c26147002be2e17919c4433579a4a5586e3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":438685,"char_start":437235,"chunk_id":"chk_5e03250320bfd4b5","chunk_index":248,"chunk_sha256":"71affaf02d2e797fedac1310363b3c26147002be2e17919c4433579a4a5586e3","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"71affaf02d2e797fedac1310363b3c26147002be2e17919c4433579a4a5586e3","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"4.3.1 $1,250.00\n\n4.3.2 YES\n\n4.3.3\n8) Adjusts ye arly starting in year 2\n9) Goes as high as $2,350.00 in year 5\n10) See AP Table on page 4 for details\n\nFigure 125. Loan Terms Table for Step Payment Loan\n\n2. LOAN TERMS AND AP TABLE ENTRI ES FOR STEP PAYMENT LOAN\n\nThe following table links the information provided in the Loan Terms and AP Tables.\n\nTable 136. Loan Terms and AP Table Entries for Step Payment Loan\n\nLoan Terms Table (4.0)\n\nAP Table (19.0)\n\nID (bullet)\n\nForm Field Name\n\nID\n\nForm Field Name\n\n4.3 Monthly Principal & Interest\n\n19.5 Monthly Principal and Interest Payments\n\n4.3.3 (1) Adjusts yearly…\n\nN/A\n\nN/A\n\nN/A\n\n4.3.3 (1) …starting in year 2\n4.3.3 (2) Can go as high as $2,350.00 …\n\n19.7 Subsequent Changes Every year for three years\n\n19.6 First Change / Amount $1,525.00…\n\n19.6 First Change / Amount …at 13th payment\n19.8 Maximum Payment $2,350.00…\n\n4.3.3 (2) …in year 5\n\n19.8 …starting at 49th payment\n\nThe data points used to provide this information are shown in the table below. The Loan Terms table form field\nIDs have been included where applicable to help emphasize that the data points are provided only once in the\nXML file.\n\nTable 137. Step Payment Loan\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\nID\n(bullet)\n\n19.6 |\n4.3.3(1)\n\nFirst Change /\nAmount…at #___\npayment\n\n19.8 |\n4.3.3(2)\n\nMaximum Payment\n$___ …\n\n19.8 |\n4.3.3(2)\n\nMaximum Payment\n… starting at ___\npayment\n"}
diff --git a/chunks/json/71bd7be3c07d7fd79b9ef19d9bc1aacd425fe058a3679e0b631c109f2a02b409.json b/chunks/json/71bd7be3c07d7fd79b9ef19d9bc1aacd425fe058a3679e0b631c109f2a02b409.json
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index 0000000000000000000000000000000000000000..beae361f745c7b7db3d09bd60ac37a85691fc730
--- /dev/null
+++ b/chunks/json/71bd7be3c07d7fd79b9ef19d9bc1aacd425fe058a3679e0b631c109f2a02b409.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":474414,"char_start":472762,"chunk_id":"chk_c5632dea5197a170","chunk_index":273,"chunk_sha256":"71bd7be3c07d7fd79b9ef19d9bc1aacd425fe058a3679e0b631c109f2a02b409","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"71bd7be3c07d7fd79b9ef19d9bc1aacd425fe058a3679e0b631c109f2a02b409","token_estimate":413,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Signature\n\nAppraiser\nAmy Appraiser\nAmy Appraiser\n\n08/07/2019\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nLicensed Residential Appraiser\n3333333333\nMD\n02/21/2021\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)\n\nSingle Family Scenario 3 (SF3)\n\nIntroduction\n\nThis report is for a detached home with a standalone accessory dwelling unit (ADU) that is an\noutbuilding. The site contains 14.19 acres. The primary unit contains 3,304 sq. ft. of finished above grade\narea, 1,344 sq. ft. of below grade finished area, and 616 sq. ft. of unfinished below grade area.\n\nThe ADU has 464 sq. ft. of above grade finished area with a full bathroom, kitchen, and living room with\nsleeping area.\n\nThe subject property has an attached two-car garage, detached two-car carport, and a four-car\ndriveway. Amenities include two decks, a patio, a porch, an inground pool, a fireplace, and a woodstove.\n\nThe subject property is under contract and pending sale for $770,000.\n\nKey Characteristics\n\n•\n\nParties associated with this transaction:\n\n•\n•\n•\n\nLender (Client)\nAppraisal Management Company\nAppraiser\nSubject Property\n\n•\n\n•\n\nSite\n\n•\n•\n\n•\n\n•\n\nProperty Rights Appraised: Fee Simple\nAttachment Type: Detached\n\nSite Utilities\n\n▪ Water and Sanitary Sewer are private with well and septic\n▪\n\nElectric is private (solar panels) and there is a connection to public electrical lines\n\nSite value was developed at the request of the client (including Land Comparables)\n\n• Unit Interior – Primary Dwelling\n\n•\n\nIncludes an additional interior feature (Wet Bar) with a photo\n"}
diff --git a/chunks/json/71db1712c47bdea382b08a40487998121258c8ef32502931288e863dd7994abb.json b/chunks/json/71db1712c47bdea382b08a40487998121258c8ef32502931288e863dd7994abb.json
new file mode 100644
index 0000000000000000000000000000000000000000..31531f704000d0b5a1fafb7a5e3e7992f7151427
--- /dev/null
+++ b/chunks/json/71db1712c47bdea382b08a40487998121258c8ef32502931288e863dd7994abb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":335824,"char_start":334105,"chunk_id":"chk_f56dd752db099531","chunk_index":185,"chunk_sha256":"71db1712c47bdea382b08a40487998121258c8ef32502931288e863dd7994abb","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"71db1712c47bdea382b08a40487998121258c8ef32502931288e863dd7994abb","token_estimate":430,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Fannie Mae’s Project Risk Overview\n\n•\n• Project Documentation\n• Condominium Project Questionnaire\n• Project Types\n• Project Review Methods\n• Waiver of Project Review\n• Requirements Applicable to All Properties in a Condo, Co-op, or PUD Project\n• Priority of Common Expense Assessments\n• Delivery Requirements\n•\n\nExpiration for Project Reviews\n\nFannie Mae’s Project Risk Overview\n\nThe quality of mortgages secured by units in condo, co-op, and planned unit development (PUD) projects can be influenced by\ncertain characteristics of the project or by the project as a whole. Before delivering a loan secured by an individual unit in a\nproject, the lender must determine that the project meets Fannie Mae's eligibility requirements.\n\nProject eligibility risk is a risk that is distinct from the credit risk presented by individual borrowers. Units located in a project\npresent risk that are also distinct from the risks associated with properties that are not part of a homeowners’ association (HOA)\nor project. These risks include the following:\n\n•\n•\n•\n\nthe financial stability and viability of the project;\nthe condition and marketability of the project;\nlimitations on the unit owner’s ability to control the decision-making for the project, occupy the unit, or utilize the\nproject’s amenities and common elements;\n\n• dissolution of the project and the unit owner’s resulting rights and responsibilities;\n• project-level litigation;\n• project-level misrepresentation and fraud;\n•\n\nthe inability to cure a mortgage default due to restrictions in the project documents such as, but not limited to, right of\nfirst refusal provisions; and\ninsurance coverage that is inadequate to protect the project from unexpected losses.\n"}
diff --git a/chunks/json/71e3e05ec7cf2ee642cc9cc5a0ec1c3f42eda23e687e64286e5628c7312e0057.json b/chunks/json/71e3e05ec7cf2ee642cc9cc5a0ec1c3f42eda23e687e64286e5628c7312e0057.json
new file mode 100644
index 0000000000000000000000000000000000000000..1cca70d760b3517d6de12823dffc0c2efaf86240
--- /dev/null
+++ b/chunks/json/71e3e05ec7cf2ee642cc9cc5a0ec1c3f42eda23e687e64286e5628c7312e0057.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":52753,"char_start":51151,"chunk_id":"chk_d6843da12ddd6c43","chunk_index":28,"chunk_sha256":"71e3e05ec7cf2ee642cc9cc5a0ec1c3f42eda23e687e64286e5628c7312e0057","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"71e3e05ec7cf2ee642cc9cc5a0ec1c3f42eda23e687e64286e5628c7312e0057","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.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•\n• Reference the iGuide and UAD Spec for details about how photos are handled in the UAD dataset.\n\nImages must be sized properly to display the content and maintain the aspect ratio.\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.\n\nSection\n#\n\nSection Name\n(Black Tab)\n\nPhoto or Image\n(Predefined Caption or\nGray Bar)\n\nIs there an Additional\nCaption\n(Free-form Text)?\n\n1\n\n2\n\n3\n\nSummary\n\nAssignment\nInformation\nSubject\nProperty\n\nAssignment Information\nExhibits\n\nLegal Description\n\nRequired for each photo or\nimage\nMay be provided to further\nidentify the image\n\nSubject Property\nExhibits\n\nRequired for each photo or\nimage\n\nIs the Photo or Image\nRequired?\n\nAdditional Guidance\n\nYes\n\nLarge photo at the top of the\nsection (identified as Property\nPhoto)\n\nIf Legal Description 3.031\nis not provided\n\nSee 3.031\n\nPhotos or images related to\nthe Subject Property section\nthat are not specified above.\n\n4\n\nSite\n\nNon-Residential Use\n\nProperty Access (Street\nScene)\n\nRequired, including the type\nof non-residential use,\nlocation, and any other\ndescriptive information as\nappropriate\nMay be provided to further\nidentify the photo or image\n\nIf Non-Residential Uses\non Property 4.017 is Yes\n\nSee 4.017\n\nYes\n\nSee 4.020\n\nAppendix F-1: URAR Reference Guide\n"}
diff --git a/chunks/json/71f47365971e2a3e84b924d2c77018287e1fa23c5727eb4674de325c329b34af.json b/chunks/json/71f47365971e2a3e84b924d2c77018287e1fa23c5727eb4674de325c329b34af.json
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index 0000000000000000000000000000000000000000..b607ba0f99ea33c028cbe21b4e37f443fdf08448
--- /dev/null
+++ b/chunks/json/71f47365971e2a3e84b924d2c77018287e1fa23c5727eb4674de325c329b34af.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9339,"char_start":7695,"chunk_id":"chk_c3cd297932f6cd2e","chunk_index":4,"chunk_sha256":"71f47365971e2a3e84b924d2c77018287e1fa23c5727eb4674de325c329b34af","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"71f47365971e2a3e84b924d2c77018287e1fa23c5727eb4674de325c329b34af","token_estimate":411,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":" A “UAD Requirement” or “UAD Instruction” in the Implementation Notes column of Appendix B specifies a reference to Appendix D: Field Specific Standardization Requirement where additional instructions or\n\nclarification for supporting the data point can be found.\n\n A number of the fields on the appraisal forms have been repurposed to capture additional information. For example, the Lender/Client Name field (field 6-22 in the Appraiser Certification Section) has been repurposed to\n\ncapture the Appraisal Management Company Name. The definitions and XPaths support this additional information.\n\n The PDF Display Format description in the Implementation Notes column explains how the information for that data point is represented on the PDF version of the appraisal form. Please note that commas are permitted in\n\nmoney and numeric fields ONLY on PDF forms. Additionally, please note that the form field length for PDF rendering must not exceed the allocated field length for the XML.\n\n Sort IDs 1 and 2 are not part of the appraisal form but are required for XML delivery because they include the Appraisal Form Number and the embedded PDF version of the form.\n\nThis specification relates to the Uniform Mortgage Data Program, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of their regulator, the Federal Housing Finance Agency.\n\nRead Me\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 3 of 211\n\nDocument Version 1.4\n\nColumn Name\n\nColumn Description\n\nSort ID\n\nForm Page\n\nRepresents a unique number assigned to the data point name which provides the ability to sort and display the data in the original order.\n"}
diff --git a/chunks/json/71f895646a2fe418abb1252321cf023d802ea6ce51751af681d59660721dd9f5.json b/chunks/json/71f895646a2fe418abb1252321cf023d802ea6ce51751af681d59660721dd9f5.json
new file mode 100644
index 0000000000000000000000000000000000000000..80a3dcbe30f623d5574db94ac8256141aed45137
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+++ b/chunks/json/71f895646a2fe418abb1252321cf023d802ea6ce51751af681d59660721dd9f5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":275922,"char_start":274093,"chunk_id":"chk_291e66eb25965135","chunk_index":153,"chunk_sha256":"71f895646a2fe418abb1252321cf023d802ea6ce51751af681d59660721dd9f5","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"71f895646a2fe418abb1252321cf023d802ea6ce51751af681d59660721dd9f5","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":"If the lender obtains a desk or field review of the original appraisal report, the review must be completed in accordance with the\nUSPAP and conform to Appraiser Independence Requirements (AIR). The scope of work for either type of review allows changing\nthe opinion of market value for something other than a mathematical error, and the appraiser completing the appraisal review\nmust\n\n• be licensed or certified in the state in which the property is located,\n• have access to the appropriate data sources, and\n• possess the knowledge and experience to appraise the subject property with respect to both the specific property type\n\nand geographical location.\n\nThe lender may forego either type of review and obtain a new appraisal. When a new appraisal is obtained, the lender must\ndocument the deficiencies that are the basis for ordering the new appraisal and adhere to a policy of selecting the most reliable\nappraisal, rather than the appraisal that states the highest value. The lender must either document in the loan file the resolution\nof the noted deficiencies in the original appraisal report or detail the reasons for relying on a second opinion of market value.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 105 of 166\n\nUAD 3.6 Policy\n\nLender Requirements\n\nA lender must continually evaluate the quality of the appraiser’s work through the normal review process of all appraisal reports,\nas well as through the spot-check field review or desk review of appraisals as part of its quality assurance system.\n\nReconsideration of Value\n\nFor loans requiring an appraisal report, the lender must have policies and procedures in place for a borrower-initiated\nreconsideration of value (ROV). At a minimum, the ROV process must meet Fannie Mae requirements and adhere to all applicable\nlocal, state, and federal laws.\n"}
diff --git a/chunks/json/720f4b923ad534af2948ce5d749c88c17cb9afe08fa09e4a162adf9541e15e8b.json b/chunks/json/720f4b923ad534af2948ce5d749c88c17cb9afe08fa09e4a162adf9541e15e8b.json
new file mode 100644
index 0000000000000000000000000000000000000000..53f2fb24ef8e843a9372946b639909a25ea6a4a2
--- /dev/null
+++ b/chunks/json/720f4b923ad534af2948ce5d749c88c17cb9afe08fa09e4a162adf9541e15e8b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12860,"char_start":10724,"chunk_id":"chk_c777e0a0e82b8de7","chunk_index":6,"chunk_sha256":"720f4b923ad534af2948ce5d749c88c17cb9afe08fa09e4a162adf9541e15e8b","date_utc":"2026-01-27T17:47:59+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b2ae32f02cf8673","text_sha256":"720f4b923ad534af2948ce5d749c88c17cb9afe08fa09e4a162adf9541e15e8b","token_estimate":534,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/National_Mortgage_Database_Program___FHFA_dj6a7.md"]},"text":"---\n\n## National Mortgage Database\n\n### Introduction\n\nThe National Mortgage Database (NMDB) is the first component of the National Mortgage Database program. NMDB is updated quarterly for a nationally representative five percent sample of closed-end first-lien residential mortgages in the United States.\n\n### Purpose\n\nThe purpose of NMDB is to inform and educate FHFA, CFPB and other federal agencies about lending products and mortgage market health. The database is comprehensive, and there are many possibilities for how it may be used. Some examples include:\n\n- **Studying the subprime mortgage crisis:** Because the data goes back to 1998, the database can be used to assess possible causes of the 2008 subprime mortgage crisis.\n- **Monitoring new and emerging products in the mortgage market:** The database allows agencies to monitor volume and performance of products in the mortgage market and help regulators identify potential problems or new risks.\n- **Monitoring the relative health of mortgage markets and consumers:** The database provides detailed mortgage loan performance information including whether payments are made on-time, as well as information regarding loan modifications, foreclosures, and bankruptcies. This can help policy makers better understand how various products are being used and how they are performing.\n- **Evaluating loss mitigation, borrower counseling, and loan modification programs:** The database can be used to evaluate the efficacy and potential impact of counseling programs.\n- **Monitoring affordable lending:** Since the database is updated quarterly, it provides information on mortgage access and mortgage terms for low-income borrowers and communities faster than data required by the Home Mortgage Disclosure Act, or HMDA. Currently, HMDA data does not become available until the year following origination.\n- **Performing stress tests and prepayment/default modeling:** The database can be used by policy makers, researchers, and regulators to improve prepayment and default modeling and to implement stress-test scenarios for the entire national mortgage market.\n### Description\n"}
diff --git a/chunks/json/722369eb2feb7719994eea48e512e76becda68797de171a536870f98d5e4c4b4.json b/chunks/json/722369eb2feb7719994eea48e512e76becda68797de171a536870f98d5e4c4b4.json
new file mode 100644
index 0000000000000000000000000000000000000000..4faab8289994537d5f1c89dc24122c0fb657a8da
--- /dev/null
+++ b/chunks/json/722369eb2feb7719994eea48e512e76becda68797de171a536870f98d5e4c4b4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1256539,"char_start":1254390,"chunk_id":"chk_28867ac785bab3eb","chunk_index":745,"chunk_sha256":"722369eb2feb7719994eea48e512e76becda68797de171a536870f98d5e4c4b4","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"722369eb2feb7719994eea48e512e76becda68797de171a536870f98d5e4c4b4","token_estimate":538,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Indicates that the project contains\nmultiple dwelling-units.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ContainsMultiple\nDwellingUnitsIndicator=‘Y’]\n\n1\n\nBoolean\n\nThis field should be populated if field 3-42\n(Project Developer Controls Project\nManagement Indicator = 'Y') and one of fields 1-\n132, 1-133 (Attachment Type = 'Attached' or\n'SemiDetached') are indicated.\nThis field should be populated if field 3-42\n(Project Developer Controls Project\nManagement Indicator = 'Y') and one of fields 1-\n132, 1-133 (Attachment Type = 'Attached' or\n'SemiDetached') are indicated.\nThis field should be populated if field 3-42\n(Project Developer Controls Project\nManagement Indicator = 'Y') and one of fields 1-\n132, 1-133 (Attachment Type = 'Attached' or\n'SemiDetached') are indicated.\nThis field should be populated if field 3-42\n(Project Developer Controls Project\nManagement Indicator = 'Y') and one of fields 1-\n132, 1-133 (Attachment Type = 'Attached' or\n'SemiDetached') are indicated.\nThis field should be populated if field 3-42\n(Project Developer Controls Project\nManagement Indicator = 'Y') and one of fields 1-\n132, 1-133 (Attachment Type = 'Attached' or\n'SemiDetached') are indicated.\nThis field should be populated if field 3-42\n(Project Developer Controls Project\nManagement Indicator = 'Y') and one of fields 1-\n132, 1-133 (Attachment Type = 'Attached' or\n'SemiDetached') are indicated.\nThis field should be populated if field 3-42\n(Project Developer Controls Project\nManagement Indicator = 'Y') and one of fields 1-\n132, 1-133 (Attachment Type = 'Attached' or\n'SemiDetached') are indicated.\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 3-53, 3-54 (values of Project\nConversion Indicator) should be indicated.\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 3-53, 3-54 (values of Project\nConversion Indicator) should be indicated.\n"}
diff --git a/chunks/json/7224f37d02093e42356104676bdfb247657bb95c3b0d38dbdad6f2c1e5347c2f.json b/chunks/json/7224f37d02093e42356104676bdfb247657bb95c3b0d38dbdad6f2c1e5347c2f.json
new file mode 100644
index 0000000000000000000000000000000000000000..d7dbf13854f3773accdc29c3862a2e8c4859ff5f
--- /dev/null
+++ b/chunks/json/7224f37d02093e42356104676bdfb247657bb95c3b0d38dbdad6f2c1e5347c2f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":95729,"char_start":93928,"chunk_id":"chk_3ceb8052a919d7c4","chunk_index":56,"chunk_sha256":"7224f37d02093e42356104676bdfb247657bb95c3b0d38dbdad6f2c1e5347c2f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"7224f37d02093e42356104676bdfb247657bb95c3b0d38dbdad6f2c1e5347c2f","token_estimate":451,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"A free-form text field describing the\nneighborhood.\nA free-form text field used to discuss\nmarket conditions in the\nneighborhood that may effect\nproperty values\nA free-form text field used to describe\nthe dimensions of the site such as its\nwidth and depth.\n\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD[@_TypicalMarketingTimeDurat\nionType='OverSixMonths']\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD/_HOUSING[@_Type='SingleF\namily']/@_LowPriceAmount\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD/_HOUSING[@_Type='SingleF\namily']/@_HighPriceAmount\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD/_HOUSING[@_Type='SingleF\namily']/@_PredominantPriceAmount\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD/_HOUSING[@_Type='SingleF\namily']/@_NewestYearsCount\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD/_HOUSING[@_Type='SingleF\namily']/@_OldestYearsCount\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD/_HOUSING[@_Type='SingleF\namily']/@_PredominantAgeYearsCount\n\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD/_PRESENT_LAND_USE[@_T\nype='SingleFamily']/@_Percent\n\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD/_PRESENT_LAND_USE[@_T\nype='TwoToFourFamily']/@_Percent\n\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD/_PRESENT_LAND_USE[@_T\nype='Apartment']/@_Percent\n\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD/_PRESENT_LAND_USE[@_T\nype='Commercial']/@_Percent\n\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD/_PRESENT_LAND_USE[@_T\nype='Other']/@_Percent\n\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD/NEIGHBORHOOD_EXTENSI\nON/NEIGHBORHOOD_EXTENSION_SECTI\nON[@ExtensionSectionOrganizationName='UNI\nFORM APPRAISAL\nDATASET']/NEIGHBORHOOD_EXTENSION\n_SECTION_DATA/NEIGHBORHOOD_BOU\nNDARIES/@GSENeighborhoodBoundariesDesc\nription\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD/@_Description\n/VALUATION_RESPONSE/PROPERTY/NEI\nGHBORHOOD/@_MarketConditionsDescriptio\nn\n"}
diff --git a/chunks/json/72288c5305e24ea470235cafbfd66a433dc5038a26b9096aa2481b2c282a8f5f.json b/chunks/json/72288c5305e24ea470235cafbfd66a433dc5038a26b9096aa2481b2c282a8f5f.json
new file mode 100644
index 0000000000000000000000000000000000000000..3ea9916ee932237146437faa6c3eb444ff85bd57
--- /dev/null
+++ b/chunks/json/72288c5305e24ea470235cafbfd66a433dc5038a26b9096aa2481b2c282a8f5f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":25460,"char_start":23848,"chunk_id":"chk_d37569eb9e8f02ec","chunk_index":14,"chunk_sha256":"72288c5305e24ea470235cafbfd66a433dc5038a26b9096aa2481b2c282a8f5f","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"72288c5305e24ea470235cafbfd66a433dc5038a26b9096aa2481b2c282a8f5f","token_estimate":403,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"Flag identifying whether the mortgage was\npurchased by Fannie Mae or by Freddie Mac.\nFannie Mae and Freddie Mac are collectively\nreferred to as the Enterprises in this\ndocument.\nSequential numerical identifier for the\nproperty not related to the record number in\nthe three National Files.\nTwo-digit numerical American National\nStandards Institute (ANSI) Federal Information\nProcessing Series (FIPS) code, with a leading\nzero when applicable, indicating where the\nproperty is located.\n\n4\n\n5\n\ncbsa_metro_code\n\nMetropolitan Statistical\nArea (MSA) Code\n\n5\n\n3\n\ncounty_fips\n\nCounty - 2020 Census\n\nSee the MSA file for a list of MSA codes\nand names.\n00000 = Missing code\n99999 = In a non-metropolitan area\nOther = specific metropolitan area\n\nFive-digit numerical code for the property’s\nMSA if the property is located in an MSA,\nbased on MSA definitions in effect on January\n1, 2024.\n\nSee the STATE/COUNTY file for a list of\ncodes and County/Parish/Borough\nnames listed by FIPS State code.\n000 = Missing\n\nThree-digit numerical FIPS county code, with\nleading zeros when applicable, indicating\nwhere the property is located. The transition\nin Connecticut from eight counties to nine\nplanning regions occurred in the 2024 PUDB.\nSee https://www.govinfo.gov/content/pkg/FR-\n2022-06-06/pdf/2022-12063.pdf.\n\nSF CTF\n\n19\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\n6\n\n6\n\ntract_2020\n\nCensus Tract - 2020\nCensus\n\n7\n\n6\n\ntract_minority_pct\n"}
diff --git a/chunks/json/7232abdba4d22dd63ecbe23d7c43927f83d6f385a710437ab4617aa873806c77.json b/chunks/json/7232abdba4d22dd63ecbe23d7c43927f83d6f385a710437ab4617aa873806c77.json
new file mode 100644
index 0000000000000000000000000000000000000000..147ef185f4473d94d3bc13598973c192188c4414
--- /dev/null
+++ b/chunks/json/7232abdba4d22dd63ecbe23d7c43927f83d6f385a710437ab4617aa873806c77.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":970128,"char_start":968386,"chunk_id":"chk_8816e32daa507186","chunk_index":578,"chunk_sha256":"7232abdba4d22dd63ecbe23d7c43927f83d6f385a710437ab4617aa873806c77","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"7232abdba4d22dd63ecbe23d7c43927f83d6f385a710437ab4617aa873806c77","token_estimate":436,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/@_SummaryC\nomment\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\n127\n\nRECONCILIATION The appraisal is made “as is”\n\n473\n\n3\n\n128\n\nRECONCILIATION\n\nThe appraisal is made “subject to\ncompletion”\n\n474\n\n3\n\n129\n\nRECONCILIATION\n\nThe appraisal is made “subject to the\nfollowing repairs”\n\n475\n\n3\n\n130\n\nRECONCILIATION\n\nThe appraisal is made “subject to the\nfollowing required inspection”\n\nValuation\nReconciliation\nCondition Of\nAppraisal Type\n\nValuation\nReconciliation\nCondition Of\nAppraisal Type\n\nValuation\nReconciliation\nCondition Of\nAppraisal Type\n\nValuation\nReconciliation\nCondition Of\nAppraisal Type\n\nSpecifies the appraisal's conclusion's\ndependency on future repairs or activities.\n\n/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/_CONDITION\n_OF_APPRAISAL[@_Type='AsIs']\n\nSpecifies the appraisal's conclusion's\ndependency on future repairs or activities.\n\n/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/_CONDITION\n_OF_APPRAISAL[@_Type='SubjectToCompletion']\n\nSpecifies the appraisal's conclusion's\ndependency on future repairs or activities.\n\n/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/_CONDITION\n_OF_APPRAISAL[@_Type='SubjectToRepairs']\n\nSpecifies the appraisal's conclusion's\ndependency on future repairs or activities.\n\n/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/_CONDITION\n_OF_APPRAISAL[@_Type='SubjectToInspections']\n\n20\n\n20\n\n20\n\n20\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Reconciliation Section\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Reconciliation Section\nA separate Valuation Reconciliation Condition of Appraisal element must be populated\nfor each box that is checked.\n"}
diff --git a/chunks/json/7238305887d0e441ebe6911dc4b314ce62a9ee032e52b4fa399304c1138e22bc.json b/chunks/json/7238305887d0e441ebe6911dc4b314ce62a9ee032e52b4fa399304c1138e22bc.json
new file mode 100644
index 0000000000000000000000000000000000000000..2cf1d09c129ef7dd00b18b22efb9273fcdac686b
--- /dev/null
+++ b/chunks/json/7238305887d0e441ebe6911dc4b314ce62a9ee032e52b4fa399304c1138e22bc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15706,"char_start":13975,"chunk_id":"chk_892cc5be3b057711","chunk_index":8,"chunk_sha256":"7238305887d0e441ebe6911dc4b314ce62a9ee032e52b4fa399304c1138e22bc","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_633afc816823b043","text_sha256":"7238305887d0e441ebe6911dc4b314ce62a9ee032e52b4fa399304c1138e22bc","token_estimate":433,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2025-loan-delivery-release-notes-printable-version.pdf"]},"text":"Oct 27,\n2025\n\nNew MBS Pool\nClose Status\n\nLoan Delivery is introducing a new “MBS Pool Close Status”. The new status “Deleted” will be\napplied to an MBS Pool that has been deleted in Loan Delivery. The only actions available on a\nDeleted MBS pool are export, reports, loan transfer, and loan delete.\n\nOct 27,\n2025\n\nEdit Updates\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of\neffective edit updates including:\n\n•\n•\n\n3 DU compare edits moving from informational to warning to validate DU casefile ID\n2 new warning edits for Manufactured Housing\n9 edits moving to fatal to validate CPM, ARM data, Appraisal, Community lending, and\nFTHB\n\nNov 24,\n2025\n\nEdit Updates\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of\neffective edit updates including:\n\n•\n•\n•\n\n3 new warning edits to validate MI, escrow, and borrower counseling data\n1 warning edit moving to fatal to validate ARM data\n1 new Fatal edit to validate credit score version in Loan Delivery matches DU\n\nDec 15,\n2025\n\nEdit Updates\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of\neffective edit updates including:\n\n© 2025 Fannie Mae Page 5 of 6\n\nEffective\nDate\n\nImpacted Area\n\nDescription\n\n•\n•\n\n3 DU compare edits moving from warning to fatal to validate DU casefile ID\n2 warning edits moving to fatal for Manufactured Housing\n\nDec 31,\n2025\n\nSchedule of\nMortgage\nreport retiring:\n\nEffective December 31, 2025, FM Connect section MBS Seller 2005 under the MBS Final\nSchedule of Mortgages report will be retired. FM Connect will continue to support and publish\nMBS Seller section under the MBS Final Schedule of Mortgages report.\n"}
diff --git a/chunks/json/7243cfe69505de3553ae49867196170176666bfff820b089e9627d5e02694039.json b/chunks/json/7243cfe69505de3553ae49867196170176666bfff820b089e9627d5e02694039.json
new file mode 100644
index 0000000000000000000000000000000000000000..5e686cde25d0e8d1d30be973020ce64ca5110ebd
--- /dev/null
+++ b/chunks/json/7243cfe69505de3553ae49867196170176666bfff820b089e9627d5e02694039.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":122893,"char_start":121280,"chunk_id":"chk_823a51234d283824","chunk_index":71,"chunk_sha256":"7243cfe69505de3553ae49867196170176666bfff820b089e9627d5e02694039","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"7243cfe69505de3553ae49867196170176666bfff820b089e9627d5e02694039","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Key Characteristics\n\n• Hybrid assignment\n\no Interior and exterior inspection via Property Data Report\n\nParties associated with this transaction:\n\no AMC\no Appraiser with a designation, appraiser did not perform physical inspection\n\nProject Information\n\n•\n\n•\n\no Subject building contains a convenience store on the first floor\no Observed Deficiencies have been noted (balconies on the building)\no Special Assessment identified for balcony repair\no Known legal actions were noted\n\n• Defects are noted but no action required for the homeowner to repair as the homeowner is not\n\nresponsible for exterior maintenance\nFloorplan has been included\n\n•\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\n201 UNDERHILL DR, UNIT 202, NOWHERE, CA 90021\n\nSUMMARY\n\nOpinion of Market Value\n\n$778,000\n\nMarket Value Condition\n\nAs Is\n\nProperty Valuation Method\nAppraiser Name\n\nHybrid Appraisal\nBill Smith\n\n09/08/2019\nRefinance\nJames Borrower\nLauren Lightfoot\nJames Borrower\nLauren Lightfoot\nNone\n\nAttached\nMid-rise\n\nOverall Quality\nOverall Condition\n\nQ4\nC3\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\nAttachment Type\nStructure Design\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nObserved Project Deficiencies\nSubject Site Owned in Common\n"}
diff --git a/chunks/json/72440d39198eb9ab4b165fc2e388ade8c4ae065045477cf851b905135176dd4f.json b/chunks/json/72440d39198eb9ab4b165fc2e388ade8c4ae065045477cf851b905135176dd4f.json
new file mode 100644
index 0000000000000000000000000000000000000000..519f02c89601d7f0dff140c0336cdada4d45b71d
--- /dev/null
+++ b/chunks/json/72440d39198eb9ab4b165fc2e388ade8c4ae065045477cf851b905135176dd4f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":23727,"char_start":22080,"chunk_id":"chk_422538da6fea2226","chunk_index":16,"chunk_sha256":"72440d39198eb9ab4b165fc2e388ade8c4ae065045477cf851b905135176dd4f","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"72440d39198eb9ab4b165fc2e388ade8c4ae065045477cf851b905135176dd4f","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":" Relationship between a borrower’s income and the associated employer\n\n Relationship between a counseling event and the associated housing counseling agency (covers\n\nboth “education” and “counseling”)\n\n Relationship between an asset (owned property) and the associated liabilities\n\n Relationship between a related loan and the associated creditor\n\n Relationship between an asset and the associated borrower\n\n Relationship between a liability and the associated borrower\n\n Relationship between an expense and the associated borrower\n\nRELAT IONSHIP BET WEEN A BORROWER’S INCOME AND T HE ASSOCIAT ED EMPLOYER\n\nThe following example provides details about xlink arcrole relationship needed to define a data\nrelationship between income items for a borrower and the associated employment (employer) providing\nthat income.\n\nThe figure below (Figure 1) shows examples of a borrower’s income items, by type, that will need to be\nlinked to the associated employer.\n\nData Relationships Using Xlink and MISMO Arcroles\n\nPage 14 of 29\n\nVersion 1.1\n\n___________ _ __ Uniform Loan Application Dataset (ULAD) Xlink Arcroles\n\nCURRENT INCOME ITEM And EMPLOYER Containers\nIdentifying Endpoints Of Relationships\n\nPARTIES\n PARTY\n\nINDIVIDUAL\n NAME\n\nROLE\n BORROWER\n\nCURRENT INCOME\n CURRENT INCOME ITEMS\n CURENT INCOME ITEM\n\nSequence Number = “1”\n\nxlink:label = “CURRENT_INCOME_ITEM_1”\n\nCURRENT INCOME ITEM DETAIL\n\nCurrent Income Monthly Total Amount = 1000\n Income Type = Base\n CURENT INCOME ITEM\n\nSequence Number = “2”\n\nxlink:label = “CURRENT_INCOME_ITEM_2”\n\nCURRENT INCOME ITEM DETAIL\n\nCurrent ncome Monthly Total Amount = 400\n Income Type = Overtime\n"}
diff --git a/chunks/json/72441b3dd2c0b659b93e316b795d5a54eec0705dec8cc42856cc24f9b22c3886.json b/chunks/json/72441b3dd2c0b659b93e316b795d5a54eec0705dec8cc42856cc24f9b22c3886.json
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index 0000000000000000000000000000000000000000..336b29f17777a70f73e5e8dd6a12c80567b283de
--- /dev/null
+++ b/chunks/json/72441b3dd2c0b659b93e316b795d5a54eec0705dec8cc42856cc24f9b22c3886.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":36722,"char_start":35123,"chunk_id":"chk_3336de622c91ebba","chunk_index":22,"chunk_sha256":"72441b3dd2c0b659b93e316b795d5a54eec0705dec8cc42856cc24f9b22c3886","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ae699ea5c646d934","text_sha256":"72441b3dd2c0b659b93e316b795d5a54eec0705dec8cc42856cc24f9b22c3886","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":"$2,600\n\n$2.00\n\n$2,500\n\n$2,575\n\n$2.48\n\n$2,600\n\n$2,650\n\nComparable Weight\n\nMost\n\nLess\n\nMost\n\nMost\n\nLess\n\nMost\n\nRental Analysis Commentary\n\nThe rental comps support estimated rents for the subject.\n\nRental Information Exhibits\n\nComparable #1\n\nComparable #2\n\nThis is where the photo of 181 Cattledrive St would display.\n\nThis is where the photo of 181 Cattledrive St would display.\n\nComparable #3\n\nComparable #4\n\nThis is where the photo of 123 Something Pl would display.\n\nThis is where the photo of 123 Something Pl 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 22 of 26\nPage 22 of 26\n\nRental Information (continued)\n\nComparable #5\n\nComparable #6\n\nThis is where the photo of 341 Nothing Dr would display.\n\nThis is where the photo of 341 Nothing Dr would display.\n\nIncome Approach\n\nGross Rent Multiplier Comparables\n\nProperty Address\n\n171 Cowboy Ln\nAnyplace, TX 01234\n\n181 Cattledrive St\nAnyplace, TX 01234\n\n123 Something Pl\nAnyplace, TX 01234\n\n341 Nothing Dr\nAnyplace, TX 01234\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nThis is where the Dwelling\nFront photo would display.\n\nThis is where the photo\nof 181 Cattledrive St\nwould display.\n\nThis is where the photo\nof 123 Something Pl\nwould display.\n\nThis is where the\nphoto of 341 Nothing\nDr would 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\n4\n\n$10,150\n\nMLS XY-324811\n"}
diff --git a/chunks/json/72636c84a58df56edea78e6b98ae82b05ae12e3e7483fb9555b43d68dd1a96e1.json b/chunks/json/72636c84a58df56edea78e6b98ae82b05ae12e3e7483fb9555b43d68dd1a96e1.json
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index 0000000000000000000000000000000000000000..ddf3f5fee951574bbfe511513c5fdd10732f219d
--- /dev/null
+++ b/chunks/json/72636c84a58df56edea78e6b98ae82b05ae12e3e7483fb9555b43d68dd1a96e1.json
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+{"chunk":{"char_end":8857,"char_start":7081,"chunk_id":"chk_db2ee9619fbafe16","chunk_index":4,"chunk_sha256":"72636c84a58df56edea78e6b98ae82b05ae12e3e7483fb9555b43d68dd1a96e1","date_utc":"2026-01-27T17:47:54+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f4f3860dcd650d0f","text_sha256":"72636c84a58df56edea78e6b98ae82b05ae12e3e7483fb9555b43d68dd1a96e1","token_estimate":442,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Pilot_Transparency___FHFA_k52rzik.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 - Pilot Transparency\n\nPolicy\n\n# Pilot Transparency\n\nFHFA supports efforts by the Enterprises to explore ways to fulfill their missions and enhance their safety and soundness through pilot programs. Pilots are a vital tool to test, learn, and in some cases, be scaled towards permanent policy. They can help inform longer-term policy one way or the other. FHFA, as conservator, is committed to providing transparency on pilot programs of the Enterprises remaining mindful of the confidential and proprietary nature of certain activities.​\n"}
diff --git a/chunks/json/726db5c42f766af4934f1b6192fa7079164d81c8680ff0b1ade9d595cc13183c.json b/chunks/json/726db5c42f766af4934f1b6192fa7079164d81c8680ff0b1ade9d595cc13183c.json
new file mode 100644
index 0000000000000000000000000000000000000000..17b61d4c16e38b0ccf28d134f5b5a492bb4572ff
--- /dev/null
+++ b/chunks/json/726db5c42f766af4934f1b6192fa7079164d81c8680ff0b1ade9d595cc13183c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":19632,"char_start":18034,"chunk_id":"chk_f6173ef6f160e3c3","chunk_index":11,"chunk_sha256":"726db5c42f766af4934f1b6192fa7079164d81c8680ff0b1ade9d595cc13183c","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"726db5c42f766af4934f1b6192fa7079164d81c8680ff0b1ade9d595cc13183c","token_estimate":400,"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 Rec Room/Garage photo would display.\n\nThe table below depicts the area of the outbuilding, excluding vehicle\nstorage and any ADU(s)\nFinish\nFinished\n\nRoom Summary\n1 - Recreation Room\n\nTotal Area\n200 Sq. Ft.\n\nUnfinished\n\n0 Sq. Ft.\n\nThis structure is an existing older, detached garage. 200 Sq. Ft. enclosed and finished space being used as a recreation room.\n\nOutbuilding Exhibits\n\nRecreation Room\n\nThis is where the Recreation Room photo would display.\n\nVehicle Storage\n\nStorage\nDriveway\n\nGarage\n\nNumber of Parking Spaces\n5\n\n2\n\nDetail\nGravel\n\nDetached\n700 Sq. Ft.\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\nNone\n\nAppraisal Version #3\n\nFannie Mae | Freddie Mac\nSeptember 2024\n\nAppraiser Reference ID\n\n2222-55HG\n\nClient Reference ID BL2345-1234567\n\nUniform Residential Appraisal Report\n\nPage 15 of 30\n\nVehicle Storage (continued)\n\nVehicle Storage Exhibits\n\nGarage - Unfinished Space\n\nSubject Property Amenities\n\nAmenity Category\nOutdoor Living\n\nSubject Property Amenity\nDeck\n\nMaterial\nWood\n\nWood\n\nWhole Home\n\nIndoor Fireplace\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities)\n\nNone\n\nSubject Property Amenities Exhibits\n\nDeck - Deck 1\n\nDeck - Deck 2\n\nDetail\n100 Sq. Ft.\nNot Attached to Manufactured Home\n\n100 Sq. Ft.\nNot Attached to Manufactured Home\n\nTotal Number - 1\n\nThis is where the Deck 1 photo would display.\n\nThis is where the Deck 2 photo would display.\n\nIndoor Fireplace\n\nAppraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n"}
diff --git a/chunks/json/726ed2ea4ab5aa264c4b3bff3691c612037f4d02aa0748b91cd4cf6be1791121.json b/chunks/json/726ed2ea4ab5aa264c4b3bff3691c612037f4d02aa0748b91cd4cf6be1791121.json
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index 0000000000000000000000000000000000000000..1ed3029ae1a6954e4378d25c10dccbeb202170b2
--- /dev/null
+++ b/chunks/json/726ed2ea4ab5aa264c4b3bff3691c612037f4d02aa0748b91cd4cf6be1791121.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1356,"char_start":896,"chunk_id":"chk_cd8ced3442c933e1","chunk_index":1,"chunk_sha256":"726ed2ea4ab5aa264c4b3bff3691c612037f4d02aa0748b91cd4cf6be1791121","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1f9c959be0398537","text_sha256":"726ed2ea4ab5aa264c4b3bff3691c612037f4d02aa0748b91cd4cf6be1791121","token_estimate":422,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-specification-update-impact-memo.pdf"]},"text":"New Data Point ........................................................................................................................................ 5\n\nOverview .............................................................................................................................................. 5\n\nRequirement ........................................................................................................................................ 5\n"}
diff --git a/chunks/json/72738bf0747e37998a15ecb4d087fd09dcb3a4376097b3c5d66ccc3715ea5a9e.json b/chunks/json/72738bf0747e37998a15ecb4d087fd09dcb3a4376097b3c5d66ccc3715ea5a9e.json
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index 0000000000000000000000000000000000000000..720e2b50a27e0e130d5e54e0bbad7aac80e70f0d
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+++ b/chunks/json/72738bf0747e37998a15ecb4d087fd09dcb3a4376097b3c5d66ccc3715ea5a9e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":474505,"char_start":472536,"chunk_id":"chk_4da2de3b0001aed2","chunk_index":269,"chunk_sha256":"72738bf0747e37998a15ecb4d087fd09dcb3a4376097b3c5d66ccc3715ea5a9e","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"72738bf0747e37998a15ecb4d087fd09dcb3a4376097b3c5d66ccc3715ea5a9e","token_estimate":492,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"requirements of §1026.18(b) and its commentary.\n\n21.4 Reg §1026.38(o)(4) pp. 80128, 80040-42. The calculation of APR is set forth in Appendix J to Regulation Z.\n\nFor additional guidance see the commentary to §1026.17.\n\n21.5 Reg §1026.38(o)(5) pp. 80128, 80360, 800042. For guidance on calculation and disclosure of the total\n\ninterest percentage, see §1026.37(l)(3) and its commentary.\n\nAppendix E: UCD Implementation Guide\n\nPage 221 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n22.0 Other Disclosures\n\n22.0 OTHER DISCLOSUR ES\n\nThe Other Disclosures section is included in the following Closing Disclosure variations:\n\nTable 149. 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\n22.0\n\nOther Disclosures\n\n✓\n\n✓\n\n✓\n\n22.0 Other Disclosures provides boilerplate information about borrower’s right to a copy of the appraisal, where\nto look for contract details, ability to refinance, and tax deductions. 22.1 Liability after Foreclosure, is the only\nstatement that requires supporting data in the UCD file. The Loan Acceptance disclosure, highlighted in blue, is\nonly required if the lender opts not to include the signature line(s) in Section 24.0 Confirm Receipt.\n\nOther Disclosures\nAppraisal\nIf the property was appraised …\n\n22.0\n\nContract Details\nSee your note and security instrument for information about…\n\n22.1 Liability after Foreclosure\nIf your lender forecloses on this property and the foreclosure does not\ncover the amount of unpaid balance on this loan,\n state law may protect you from liability for the unpaid balance. If\nyou refinance or take on any additional debt on this property, you\nmay lose this protection and have to pay any debt remaining even\nafter foreclosure. You may want to consult a lawyer for more\ninformation.\n state law does not protect you from liability for the unpaid balance.\n"}
diff --git a/chunks/json/7289106f9ef7b855daeaa2312625183a30141af55417b412e2d208b1a05eeb3e.json b/chunks/json/7289106f9ef7b855daeaa2312625183a30141af55417b412e2d208b1a05eeb3e.json
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index 0000000000000000000000000000000000000000..4054629283b5fa9a4991065808596a0476384ea2
--- /dev/null
+++ b/chunks/json/7289106f9ef7b855daeaa2312625183a30141af55417b412e2d208b1a05eeb3e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":90718,"char_start":89354,"chunk_id":"chk_8dc7356101b53699","chunk_index":53,"chunk_sha256":"7289106f9ef7b855daeaa2312625183a30141af55417b412e2d208b1a05eeb3e","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"7289106f9ef7b855daeaa2312625183a30141af55417b412e2d208b1a05eeb3e","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"$15,000\n\n04/28/2023\n\n$0\n\n01/20/2023\n\n$0\n\n03/15/2023\n\n$0\n\n—\n\n—\n\n—\n\n—\n\n—\n\nDetached\n\nDetached\n\n46\n\n78\n\nDetached\n\n40\n\nDetached\n\nSite Influence (Location)\n\nBusy Roadway | Residential\n\nResidential\n\n$(25,000)\n\n21,000 Sq. Ft.\n\n15,000 Sq. Ft.\n\n$0\n\n24,000 Sq. Ft.\n\n$0\n\n18,000 Sq. Ft.\n\n$0\n\nBusy Roadway\n| Residential\n\nResidential | Full\n\nResidential\n\n$(25,000)\n\nResidential | Full\n\nView | Range\n\nDwelling(s)\n\nYear Built\n\nResidential | Full\n\nResidential | Full\n\n2014\n\n2015\n\nGross Building Finished Area\n\n5,282 Sq. Ft.\n\n5,500 Sq. Ft.\n\n$0\n\n$0\n\n2009\n\n$20,000\n\n2014\n\n5,700 Sq. Ft.\n\n$0\n\n4,900 Sq. Ft.\n\n$0\n\nHeating\n\nUnit(s)\n\nForced Warm Air | Electric\n\nForced Warm Air\n\nForced Warm Air\n\nForced Warm Air\n\nStructure ID | Unit ID\n\nBuilding 1 | Unit A\n\nBuilding 1 | Unit A\n\nBuilding 1 | Unit 1\n\nBuilding 1 | Unit 1\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\n2\n\n2 | 0\n\n2\n\n2 | 0\n\n2\n\n2 | 0\n\n2\n\n2 | 0\n\n1,190 Sq. Ft.\n\n1,300 Sq. Ft.\n\n$(9,900)\n\n1,350 Sq. Ft.\n\n$(14,400)\n\n1,150 Sq. Ft.\n\n$3,600\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\nStructure ID | Unit ID\n\nBuilding 1 | Unit B\n\nBuilding 1 | Unit B\n\nBuilding 1 | Unit 2\n\nBuilding 1 | Unit 2\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\n2\n\n2 | 0\n\n2\n\n2 | 0\n\n2\n\n2 | 0\n\n2\n\n2 | 0\n\n1,190 Sq. Ft.\n\n1,300 Sq. Ft.\n\n$(9,900)\n\n1,350 Sq. Ft.\n\n$(14,400)\n\n1,150 Sq. Ft.\n"}
diff --git a/chunks/json/728ab841ee5d00ce0ecb94e0fae8a1c9dd0309e60d567e80d2bf6fc84713b997.json b/chunks/json/728ab841ee5d00ce0ecb94e0fae8a1c9dd0309e60d567e80d2bf6fc84713b997.json
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+++ b/chunks/json/728ab841ee5d00ce0ecb94e0fae8a1c9dd0309e60d567e80d2bf6fc84713b997.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3344,"char_start":1743,"chunk_id":"chk_f98001be3df05d51","chunk_index":1,"chunk_sha256":"728ab841ee5d00ce0ecb94e0fae8a1c9dd0309e60d567e80d2bf6fc84713b997","date_utc":"2026-01-27T17:45:43+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d9c7431223b2e1d2","text_sha256":"728ab841ee5d00ce0ecb94e0fae8a1c9dd0309e60d567e80d2bf6fc84713b997","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae/links/_.pdf/announcement-sel-2025-10-selling-guide-updates.pdf"]},"text":"Eligible Transactions and Improvements\n\nThis applies to purchase and limited cash-out refinance transactions.\n\n\n\nEligible improvements include:\n\n• Cosmetic and functional improvements,\n• Disaster repair, preparedness and resiliency improvements, or\n•\n\nEnvironmental remediation for lead, asbestos or mold.\n\nCompletion and Loan Delivery Requirements\n\n\n\n\n\nRenovations must be completed within six months of the note date.\nLoans are delivered with recourse until proof of completion is provided through Loan Quality Connect™.\nLoan repurchase during the recourse period will only occur in cases of serious delinquency (120+ days).\n\n© 2025 Fannie Mae SEL-2025-10 Page 1 of 4\n\n\n\n\nNo special lender approval is required to deliver these loans.\nLenders must use Special Feature Code (SFC) 892 HomeStyle Refresh.\n\nThe Eligibility Matrix and Special Feature Codes list have been updated to reflect these updates.\n\nEffective: This policy change applies to HomeStyle Refresh loans with application dates on or after Mar. 31, 2026. Desktop\nUnderwriter® (DU®) will be updated in a future release to reflect these new requirements.\n\nHomeStyle Renovation\n\nWe updated the Selling Guide to clarify and update our HomeStyle Renovation financing policies. These updates expand eligible\nupfront disbursements, remove outdated cost caps for manufactured homes and provide enhanced guidance on limited cash-out\nrefinance transactions.\n\nIncreased Flexibility for Initial Renovation Disbursement\n\nLenders may now disburse up to 50% of the total renovation costs at closing. Eligible uses include:\n\n material purchases,\n"}
diff --git a/chunks/json/729c2427c742386cec8acab5e99f690defc96970cba7c97527e7d3eed119bd1b.json b/chunks/json/729c2427c742386cec8acab5e99f690defc96970cba7c97527e7d3eed119bd1b.json
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index 0000000000000000000000000000000000000000..b4ec8a0a9e26ec7e90b972e66ee8c77b1ee82f32
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diff --git a/chunks/json/72a6e2be0ddc488033c2365cf04e55b92f4f7531307135da4f35b3f31973da8f.json b/chunks/json/72a6e2be0ddc488033c2365cf04e55b92f4f7531307135da4f35b3f31973da8f.json
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+{"chunk":{"char_end":12854,"char_start":9509,"chunk_id":"chk_cdc9b53cbd702f46","chunk_index":5,"chunk_sha256":"72a6e2be0ddc488033c2365cf04e55b92f4f7531307135da4f35b3f31973da8f","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_548d208d915f8a07","text_sha256":"72a6e2be0ddc488033c2365cf04e55b92f4f7531307135da4f35b3f31973da8f","token_estimate":1184,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Underserved_Areas_Data___FHFA_vt5vr.md"]},"text":"​As in the previous underserved area definition, low-income area and minority census tract definitions are based on prior year metropolitan area definitions as determined by OMB. Designated disaster areas are identified by FHFA based on the three most recent years' declarations by the [Federal Emergency Management Agency​](https://www.fema.gov/disaster/declarations) (FEMA), where individual assistance payments were authorized by FEMA. Each file includes a map of the counties identified as designated disaster areas and a description of the data layout, also available separately.\n\n​Year ​Format **Dictionary​** **Map​** 2025 [[ZIP]](/document/lya2025.zip) [[PDF]](/document/lya_readme_2025.pdf) [[PDF]](/document/dda_map_2025.pdf) 2024 [​[ZIP]](/sites/default/files/2024-05/lya2024.zip) [​[PDF]](/sites/default/files/2024-07/LYA_README_2024.pdf) ​[[PDF]](/sites/default/files/2024-05/dda_map_2024.pdf) ​2023 [​[ZIP]](/sites/default/files/2023-10/lya2023.zip) [​[PDF]](/sites/default/files/2023-10/LYA_README_2023.pdf) ​[[PDF]](/sites/default/files/2023-10/dda_map_2023.pdf) ​2022 [​[ZIP]](/sites/default/files/2023-10/lya2022.zip) [​[PDF]](/sites/default/files/2023-03/lya_readme_2022.pdf) ​[[PDF]](/sites/default/files/2023-03/dda_map_2022.pdf) ​2021 [​[ZIP]](/sites/default/files/2023-10/lya2021.zip) [​[PDF]](/sites/default/files/2023-03/lya_readme_2021.pdf) ​[[PDF]](/sites/default/files/2023-10/dda_map_2021.pdf) ​2020 [​[ZIP]](/sites/default/files/2023-10/lya2020.zip) [​[PDF]](/sites/default/files/2023-10/LYA_README_2020.pdf) [​[PDF]](/sites/default/files/2023-10/dda_map_2020.pdf) ​2019 [​[ZIP]](/sites/default/files/2023-10/lya2019.zip) ​[[PDF]](/sites/default/files/2023-10/LYA_README_2019.pdf) ​[[PDF]](/sites/default/files/2023-10/dda_map_2019.pdf) ​2018 ​[[ZIP]](/sites/default/files/2023-10/lya2018.zip) ​[[PDF]](/sites/default/files/2023-10/LYA_README_2018.pdf) [​[PDF]](/sites/default/files/2023-10/dda_map_2018.pdf) ​2017 [[ZIP]​](/sites/default/files/2023-10/lya2017.zip) [[PDF]​](/sites/default/files/2023-10/LYA_README_2017.pdf) [[PDF]](/sites/default/files/2023-10/dda_map_2017.pdf)​ 2016 [​[ZIP]](/sites/default/files/2023-10/lya2016.zip) [[PDF]​](/sites/default/files/2023-10/LYA_README_2016.pdf) [[PDF]​](/sites/default/files/2023-10/dda_map_2016.pdf) ​2015 ​[[ZIP]](/sites/default/files/2023-10/lya2015.zip)​ [​[PDF]](/sites/default/files/2023-10/LYA_README_2015.pdf) [​[PDF]](/sites/default/files/2023-10/dda_map_2015.pdf) 2014 [[ZIP]](/sites/default/files/2023-10/lya2014.zip) [​[PDF]](/sites/default/files/2023-10/LYA_README_2014.pdf) [​[PDF]](/sites/default/files/2023-03/dda_map_2014.pdf) ​2013 [[ZIP]](/sites/default/files/2023-10/lya2013.zip) [​[PDF]](/sites/default/files/2023-02/lya_readme_2013.pdf) [​[PDF]](/sites/default/files/2023-03/dda_map_2013.pdf) 2012 [[ZIP]](/sites/default/files/2023-10/lya2012.zip) [[PDF]​](/sites/default/files/2023-10/LYA_README_2012.pdf) [[PDF]​](/sites/default/files/2023-03/dda_map_2012.pdf) 2011 [[ZIP]](/sites/default/files/2023-10/lya2011.zip) [​[PDF]](/sites/default/files/2023-10/LYA_README_2011.pdf) [​[PDF]](/sites/default/files/2023-03/dda_map_2011.pdf) ​2010 [[ZIP]](/sites/default/files/2023-10/lya2010.zip) [[PDF]​](/sites/default/files/2023-10/LYA_README_2010.pdf) [[PDF]​](/sites/default/files/2023-03/dda_map_2010.pdf) ## Geographically​​ Targeted Goal Data\n"}
diff --git a/chunks/json/72a7dc132c8d8362eabfb8c4f5ba26d485402700d0abf850094d1f8e5eb65509.json b/chunks/json/72a7dc132c8d8362eabfb8c4f5ba26d485402700d0abf850094d1f8e5eb65509.json
new file mode 100644
index 0000000000000000000000000000000000000000..1dfdc5c6a02cd4de8ba55523708358a08f6a330d
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+++ b/chunks/json/72a7dc132c8d8362eabfb8c4f5ba26d485402700d0abf850094d1f8e5eb65509.json
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+{"chunk":{"char_end":558387,"char_start":556779,"chunk_id":"chk_4527796e9d8b8f72","chunk_index":322,"chunk_sha256":"72a7dc132c8d8362eabfb8c4f5ba26d485402700d0abf850094d1f8e5eb65509","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"72a7dc132c8d8362eabfb8c4f5ba26d485402700d0abf850094d1f8e5eb65509","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"0 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 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 17 of 22\nPage 17 of 22\n\nSales Comparison Approach (continued)\n\nProperty Address\n\n456 Something Rd\nSomewhere, VA 12345\n\n35361 Place Rd\nSomewhere, VA 12345\n\n38243 Liberty Rd\nSomewhere, VA 12345\n\n35422 Peace Rd\nSomewhere, VA 12345\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nInterior Quality and Condition\n\nQuality\n\nKitchen\n\nOverall Bathrooms\n\nOverall Flooring\n\nWalls and Ceiling\n\nCondition\n\nKitchen\n\nOverall Bathrooms\n\nOverall Flooring\n\nQ4\n\nQ4\n\nMid Grade Quality\n\nMid Grade Quality\n\nMid Grade Finishes\n\nMid-High Grade Finishes\n\nQ4\n\nMid Grade Quality\n\nMid Grade Finishes\n\nQ4\n\nMid Grade Quality\n\nMid Grade Finishes\n\nCarpets, Tile, Hardwood\n\nStandard 8-9 Ft. Ceilings\n\nC4\n\nPartially Updated\n\nModerately Updated\n\nModerately Updated\n\nCarpet, Vinyl\n\nCarpets, Tile, Hardwood\n\nCarpets, Tile, Hardwood\n\n8 Ft. Ceilings\n\nStandard 8-9 Ft. Ceilings\n\nStandard 8-9 Ft. Ceilings\n\nC3\n\nFully Updated\n\nFully Updated\n\nFully Updated\n\nC4\n\nFully Updated\n\nNot Updated\n\nC4\n\nPartially Updated\n\nModerately Updated\n\nModerately Updated\n\nModerately Updated\n\nADU Interior Quality and Condition\n"}
diff --git a/chunks/json/72aa39eb5a4f477705bccec860184877590011d578affe74882652d020ed4896.json b/chunks/json/72aa39eb5a4f477705bccec860184877590011d578affe74882652d020ed4896.json
new file mode 100644
index 0000000000000000000000000000000000000000..d0e77797a3166a1056999b32d21d45594eaeeb77
--- /dev/null
+++ b/chunks/json/72aa39eb5a4f477705bccec860184877590011d578affe74882652d020ed4896.json
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+{"chunk":{"char_end":792427,"char_start":790367,"chunk_id":"chk_f430811857fa6591","chunk_index":470,"chunk_sha256":"72aa39eb5a4f477705bccec860184877590011d578affe74882652d020ed4896","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"72aa39eb5a4f477705bccec860184877590011d578affe74882652d020ed4896","token_estimate":515,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/PROJECT/@_ConcentratedOwnershi\npDescription\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\nProject Conversion\nIndicator\n\nIndicates that the project was converted\ninto the current Project Ownership Type.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ClassificationType='Co\nndominium' and @_ConversionIndicator='Y']\n\nProject Conversion\nIndicator\n\nIndicates that the project was converted\ninto the current Project Ownership Type.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ClassificationType='Co\nndominium' and @_ConversionIndicator='N']\n\n1\n\n1\n\nBoolean\n\nBoolean\n\nProject Conversion\nOriginal Use\nDescription\n\nA free-form text field used to describe the\noriginal use before the project was\nconverted to its current Project Ownership\nType.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@_ConversionOriginalUse\nDescription\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\nAt least one of fields 1-175, 1-176, 1-177\n(values of Project Management Type and\nsometimes values of Project Management\nType Other Description) should be\nindicated\nAt least one of fields 1-175, 1-176, 1-177\n(values of Project Management Type and\nsometimes values of Project Management\nType Other Description) should be\nindicated\nAt least one of fields 1-175, 1-176, 1-177\n(values of Project Management Type and\nsometimes values of Project Management\nType Other Description) should be\nindicated\nAt least one of fields 1-175, 1-176, 1-177\n(values of Project Management Type and\nsometimes values of Project Management\nType Other Description) should be\nindicated\nAt least one of fields 1-175, 1-176, 1-177\n(values of Project Management Type and\nsometimes values of Project Management\nType Other Description) should be\nindicated\nAt least one of fields 1-175, 1-176, 1-177\n(values of Project Management Type and\nsometimes values of Project Management\nType Other Description) should be\nindicated\n"}
diff --git a/chunks/json/72ac27cc4e61df97ea63096181bf8996db4a189702fda1ae5cd95b4973cfb95c.json b/chunks/json/72ac27cc4e61df97ea63096181bf8996db4a189702fda1ae5cd95b4973cfb95c.json
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+{"chunk":{"char_end":1713,"char_start":0,"chunk_id":"chk_aa45cfc1b84eb983","chunk_index":0,"chunk_sha256":"72ac27cc4e61df97ea63096181bf8996db4a189702fda1ae5cd95b4973cfb95c","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2feb74b59d71b0e2","text_sha256":"72ac27cc4e61df97ea63096181bf8996db4a189702fda1ae5cd95b4973cfb95c","token_estimate":523,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Programs___FHFA_1cz2m9.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/programs\"\ndate_accessed: \"2026-01-27T17:47:56.385Z\"\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/72bbdd3bafabad0ebb3970b8366b8f2a61c00aaa62adae286a88dd8378cccdb4.json b/chunks/json/72bbdd3bafabad0ebb3970b8366b8f2a61c00aaa62adae286a88dd8378cccdb4.json
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+++ b/chunks/json/72bbdd3bafabad0ebb3970b8366b8f2a61c00aaa62adae286a88dd8378cccdb4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":717524,"char_start":715908,"chunk_id":"chk_e039433fcc6965ad","chunk_index":425,"chunk_sha256":"72bbdd3bafabad0ebb3970b8366b8f2a61c00aaa62adae286a88dd8378cccdb4","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"72bbdd3bafabad0ebb3970b8366b8f2a61c00aaa62adae286a88dd8378cccdb4","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Form FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 131 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\n54\n\n55\n\n1\n\n1\n\n51\n\nCONTRACT\n\nIs there any financial assistance (loan\ncharges, sales concessions, gift or\ndownpayment assistance, etc.) to be paid\nby any party on behalf of the borrower?\nNo\n\nSales Concession\nIndicator\n\nIndicates that someone made concessions\nfor the current sales contract.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@SalesConcess\nionIndicator='N']\n\n52a\n\nCONTRACT\n\nIf Yes, report the total dollar amount\nand describe the items to be paid.\n\nSales Concession\nAmount\n\nThe dollar amount of the value of sales\nconcessions granted by an interested party\nincluding such items as furniture,\ncarpeting, decorator allowances,\nautomobiles, vacations, securities,\ngiveaways or other sales incentives.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@SalesConcess\nionAmount\n\n56\n\n1\n\ne-4\n\nCONTRACT\n\nIf Yes, report the total dollar amount\nand describe the items to be 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_CONC\nESSION_EXTENSION/SALES_CONCESSION_EXTENSION_SECTION[@Ex\ntensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/SALES_CONCESSION_EXTENSION_SECTION_DATA/SALES_\nCONCESSION/@GSEUndefinedConcessionAmountIndicator\n"}
diff --git a/chunks/json/72c2edf2e662c5c3d9e8d053ed3a17e4164b2a3b4d8c40af66ef5d183328a20a.json b/chunks/json/72c2edf2e662c5c3d9e8d053ed3a17e4164b2a3b4d8c40af66ef5d183328a20a.json
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index 0000000000000000000000000000000000000000..62deb5dc46ba75270821c33fed114c468349014c
--- /dev/null
+++ b/chunks/json/72c2edf2e662c5c3d9e8d053ed3a17e4164b2a3b4d8c40af66ef5d183328a20a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":144704,"char_start":143100,"chunk_id":"chk_c9f7907b50146339","chunk_index":81,"chunk_sha256":"72c2edf2e662c5c3d9e8d053ed3a17e4164b2a3b4d8c40af66ef5d183328a20a","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"72c2edf2e662c5c3d9e8d053ed3a17e4164b2a3b4d8c40af66ef5d183328a20a","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":"Note: If the appraiser is engaged as a property data collector and at a later date engaged as an appraiser, this is still considered a\nhybrid appraisal.\n\nThe lender remains responsible for verifying the accuracy of the property description and the completeness of the data including\nthe condition and quality ratings as determined by the appraiser. The lender is also responsible for ensuring the property meets\nthe property eligibility requirements in this Selling Guide. Lastly, the lender remains responsible for any life-of-loan\nrepresentations and warranties that may apply to the property or the appraisal.\n\nExhibits: Hybrid appraisals require the same exhibits as traditional appraisals, including a floor plan conforming to the Square\nFootage-Method for Calculating: ANSI® Z765-2021. See SB4-1.2-01, Appraisal Reports and Exhibits for additional information on\nexhibits and SB4-1.3-05, Dwelling Exterior, Unit Interior, and Outbuilding Sections of the Appraisal Report for additional\ninformation on the ANSI standard.\n\nThe appraiser must indicate in the Assignment section of the URAR their use of a property data collection in lieu of the appraiser\nperforming an on-site inspection as part of the hybrid appraisal assignment.\n\nDU Messaging: For loan casefiles that are eligible for a hybrid appraisal option, DU will issue a message informing the lender they\ncan obtain a hybrid appraisal. DU will also issue messages for other eligible appraisal options. The lender may select from any of\nthe options presented, which may include a hybrid appraisal, desktop appraisal, or traditional appraisal.\n"}
diff --git a/chunks/json/72c80a51ea1100f9ea3414e0a46305e1b34a4142da344d5bb71371939054b283.json b/chunks/json/72c80a51ea1100f9ea3414e0a46305e1b34a4142da344d5bb71371939054b283.json
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index 0000000000000000000000000000000000000000..2cb6145c50b998f19b2bd1384ba10bb691ab5bf7
--- /dev/null
+++ b/chunks/json/72c80a51ea1100f9ea3414e0a46305e1b34a4142da344d5bb71371939054b283.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":47961,"char_start":46360,"chunk_id":"chk_bb9729307fe9a0ab","chunk_index":43,"chunk_sha256":"72c80a51ea1100f9ea3414e0a46305e1b34a4142da344d5bb71371939054b283","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"72c80a51ea1100f9ea3414e0a46305e1b34a4142da344d5bb71371939054b283","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"o The second instance identifies ROLE/ROLE_DETAIL/PartyRoleType = “Client”\n\nSimilarly, when an AMC is the Client, or attorney is the Client, the PARTY container must include two instances of ROLE container.\n\nFigure 08 - 3 depicts a PARTY container where Lender is also the Client. (Figure 08 - 3)\n\nFigure 08 - 3\n\nPage 39\n\nWhen Lender/AMC is Not the Client\n\n• Deliver the appraisal management company information when an appraisal management company exists but is not the client. (Figure 08 - 4)\n\nFigure 08 - 4\n\nPage 40\n\n• Deliver the lender information if a lender exists but is not the client. (Figure 08 - 5)\n\nFigure 08 - 5\n\nPage 41\n\nAssignment Information: Contact Information – [Role]/[Role] – Non-Clients\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\n08.008\n\nCompany Name\n\n2400.0368\n\nFullName\n\n2400.0369\n\n2400.0370\n\n2400.0372\n\n2400.0371\n\nAddressLineText\n\nCityName\n\nStateCode\n\nPostalCode\n\n08.009\n\nCompany Address\n\nCredentials\n\n08.010\n\nID\n\n2400.0403\n\nLicenseIdentifier\n\nDisplay Rules\n\nWhen PartyRoleType (UID: 2400.0373, FID: 08.006) =\n“Lender” or “Management Company”…\n\n… displays\n\n… displays\n\n… displays\n\n… displays\n\n… displays\n\nIf LicenseIdentifier, LicenseIssuingAuthorityStateCode, and\nLicenseExpirationDate are not provided, do not display\nreport label.\n\nDisplay when provided for PartyRoleType (UID: 2400.0373,\nFID: 08.006) = “ManagementCompany”. If not provided, do\nnot display report label.\n\nPage 42\n\nAssignment Information: Contact Information – [Role]/[Role] – Non-Clients\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\n08.011\n\nState\n\n2400.0404\n"}
diff --git a/chunks/json/72d3a89a6cc1948f9f34a76dc7faaceaff24fb3c338178c91defcadd6973dd64.json b/chunks/json/72d3a89a6cc1948f9f34a76dc7faaceaff24fb3c338178c91defcadd6973dd64.json
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index 0000000000000000000000000000000000000000..705034b30e7261f5f06c7af677201e6e271b87a0
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+++ b/chunks/json/72d3a89a6cc1948f9f34a76dc7faaceaff24fb3c338178c91defcadd6973dd64.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1063973,"char_start":1062355,"chunk_id":"chk_ded0faf68d05e8de","chunk_index":633,"chunk_sha256":"72d3a89a6cc1948f9f34a76dc7faaceaff24fb3c338178c91defcadd6973dd64","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"72d3a89a6cc1948f9f34a76dc7faaceaff24fb3c338178c91defcadd6973dd64","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"1\n\n1\n\n25\n\n25\n\n1\n\n1\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\nthe box has not been checked.\n\nIf a street exists, at least one of fields 1-112, 1-\n113 (values of Property Off Site Improvement\nOwnership Type) should be indicated.\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\nthe box has not been checked.\n\nIf a street exists, at least one of fields 1-112, 1-\n113 (values of Property Off Site Improvement\nOwnership Type) should be indicated.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='\nSanitarySewer']/@_NonPublicDescription\n\n/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[\n@_Type='Street']/@_Description\n\n/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[\n@_Type='Street' and @_OwnershipType='Public']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[\n@_Type='Street' and @_OwnershipType='Private']/@_ExistsIndicator\n\nString\n\nString\n\nBoolean\n\nBoolean\n\n/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[\n@_Type='Alley']/@_Description\n\n25\n\nString\n\nUAD Instruction - Refer to Appendix D Site Section\nThis field should indicate the alley type. The value 'None' should be indicated if\nnone is present.\n\n/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[\n@_Type='Alley' and @_OwnershipType='Public']/@_ExistsIndicator\n\n1\n\nBoolean\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\nthe box has not been checked.\n"}
diff --git a/chunks/json/72e412c573ceb2d2dc76c4bdfe92aa4e68b26a5b4c64c1e8fd22a0f2abff3461.json b/chunks/json/72e412c573ceb2d2dc76c4bdfe92aa4e68b26a5b4c64c1e8fd22a0f2abff3461.json
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index 0000000000000000000000000000000000000000..a4217edb6d73ec73480c031892ca7dc2616f8480
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+++ b/chunks/json/72e412c573ceb2d2dc76c4bdfe92aa4e68b26a5b4c64c1e8fd22a0f2abff3461.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":19530,"char_start":17436,"chunk_id":"chk_cfd6f43ac9ef8eb9","chunk_index":14,"chunk_sha256":"72e412c573ceb2d2dc76c4bdfe92aa4e68b26a5b4c64c1e8fd22a0f2abff3461","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6a5de7e7b0279ba0","text_sha256":"72e412c573ceb2d2dc76c4bdfe92aa4e68b26a5b4c64c1e8fd22a0f2abff3461","token_estimate":524,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-documentation.pdf"]},"text":"4a. Sampling\n\nFHFA used sampling as one of the disclosure avoidance methods to reduce potential re-identifying of\nborrowers, property addresses, and appraisers. FHFA’s sample design objectives included the following:\n\n1. A sampling rate low enough to achieve re-identification reduction benefits meaningfully but high\n\nenough to produce statistically reliable estimates for key estimates.\n\n2. A sample design prioritizing production of estimates for the nation and for the nation’s largest\n\nhousing markets, as defined by metropolitan areas.\n\n3. A sample design prioritizing statistical precision in estimates for purchase appraisals.\n\nSection 5 describes the sample design.\n\n4b. Remove All Personally Identifiable Information\n\nFor the UAD Appraisal-Level PUF, FHFA did not include any data fields that are commonly considered\nPII. These included, but were not limited to, property owner(s) name and address, borrower(s) name and\ncontact information, and appraiser name(s) and contact information.\n\n4c. Remove All Precise Location Information\n\nFor the UAD Appraisal-Level PUF, FHFA did not include any data fields that provided precise or near-\nprecise location information. In doing so, the Agency considered individual data fields as well as\ncombination of data fields. These included, but were not limited to, mailing addresses, assessor parcel\nnumber, lot number, legal description, zoning code, and Federal Emergency Management Agency flood\nzone.\n\n4d. Remove Certain Information That Contributed to Re-Identification\n\nFHFA evaluated each property characteristic in a UAD appraisal record to determine whether it was\ntypically available in another public source such as public records or real estate listings. For property\ncharacteristics common to the UAD appraisal record and another public source, FHFA balanced the\nutility of including the property characteristic in the UAD Appraisal-Level PUF with its contribution to\nincreasing the probability of re-identification. For the UAD Appraisal-Level PUF, FHFA removed\nnumerous property characteristics that did not meet its balancing test.\n"}
diff --git a/chunks/json/72e8c15b5947c963c17b4204ec67ec1705fd0474eac8b157850cf46a70e61a9a.json b/chunks/json/72e8c15b5947c963c17b4204ec67ec1705fd0474eac8b157850cf46a70e61a9a.json
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index 0000000000000000000000000000000000000000..09ea47617ceccd9288d11892881358cd86134630
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+{"chunk":{"char_end":1737,"char_start":0,"chunk_id":"chk_538bce04622e3b26","chunk_index":0,"chunk_sha256":"72e8c15b5947c963c17b4204ec67ec1705fd0474eac8b157850cf46a70e61a9a","date_utc":"2026-01-27T17:54:29+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_45e9ad33702c76d7","text_sha256":"72e8c15b5947c963c17b4204ec67ec1705fd0474eac8b157850cf46a70e61a9a","token_estimate":531,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/William_J__Pulte___FHFA_8gi9e.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/about/leadership/william-j-pulte\"\ndate_accessed: \"2026-01-27T17:54:20.584Z\"\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/72f04a9ba70377d445ee448903dec0b1ea1b5cda3216dd285815080c013f7ec7.json b/chunks/json/72f04a9ba70377d445ee448903dec0b1ea1b5cda3216dd285815080c013f7ec7.json
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+{"chunk":{"char_end":5757,"char_start":5246,"chunk_id":"chk_da0d03fb52406b30","chunk_index":5,"chunk_sha256":"72f04a9ba70377d445ee448903dec0b1ea1b5cda3216dd285815080c013f7ec7","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"72f04a9ba70377d445ee448903dec0b1ea1b5cda3216dd285815080c013f7ec7","token_estimate":474,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Layout Grid .......................................................................................................................................................... 15\n\nMargins ............................................................................................................................................................... 15\n\nHeader Text ......................................................................................................................................................... 15\n"}
diff --git a/chunks/json/73287bc84d998cd6c9553e1b0834f1e85c36797821cf001368abcd81248440e9.json b/chunks/json/73287bc84d998cd6c9553e1b0834f1e85c36797821cf001368abcd81248440e9.json
new file mode 100644
index 0000000000000000000000000000000000000000..70ea3500ab6269a2ea24a7420f63b284519370ca
--- /dev/null
+++ b/chunks/json/73287bc84d998cd6c9553e1b0834f1e85c36797821cf001368abcd81248440e9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":55363,"char_start":53433,"chunk_id":"chk_15fddac545e2eae2","chunk_index":32,"chunk_sha256":"73287bc84d998cd6c9553e1b0834f1e85c36797821cf001368abcd81248440e9","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"73287bc84d998cd6c9553e1b0834f1e85c36797821cf001368abcd81248440e9","token_estimate":483,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"9. 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 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\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 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\nTXC-NP\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/73302265cc258d288081d3662f973237d9ba226786c229c9814d7c52f6b009b1.json b/chunks/json/73302265cc258d288081d3662f973237d9ba226786c229c9814d7c52f6b009b1.json
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index 0000000000000000000000000000000000000000..168c4e5b7d33a824643c05a838d37aa1a3808002
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+++ b/chunks/json/73302265cc258d288081d3662f973237d9ba226786c229c9814d7c52f6b009b1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":130272,"char_start":128650,"chunk_id":"chk_60e7f45fbcf63da8","chunk_index":73,"chunk_sha256":"73302265cc258d288081d3662f973237d9ba226786c229c9814d7c52f6b009b1","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"73302265cc258d288081d3662f973237d9ba226786c229c9814d7c52f6b009b1","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Understand the scope of the\ndata population\nIdentify source systems\nMap internal data to new\nloan delivery data set\n\nC. Common Usage and GSE-Specific Test Case Scenarios\n\nThe Common Usage and Test Case Scenarios included as Appendix B to the ULDDS and\nGSE-specific packages provide examples of how to map to the loan delivery data set.\nThey help lenders and vendors interpret the data requirements and relate each data point to\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 58 of 76\n\nSection V. Resources\n\nits plain language use in the business scenarios. Each scenario begins with a narrative\ndescription in business terms of the data to be communicated at time of delivery to the\nGSE. The scenarios are followed by a tabular representation of the containers, data points,\nconditionality, and valid values for communicating the scenario as a loan delivery XML\nfile. The containers are presented in the order of the V3.0 Reference Model schema.\n\nD. Resource Web Sites\n\nRefer to the table below for a list of Web sites, documents, and URLs to access the\nadditional documentation referenced in this User Guide.\n\nDocument or Web Site Name\n\nURL\n\nTable V-3. Resources.\n\nFannie Mae Implementation Guide\nfor Loan Delivery Data\n\nhttps://www.efanniemae.com/sf/lqi/umdp/index.jsp\n\nFreddie Mac Implementation\nGuide for Loan Delivery Data\n\nhttp://www.freddiemac.com/sell/secmktg/uniform_mortgag\ne.html\n\nList of XML Editors for Viewing\nV3.0 Reference Model and .xsd\nfiles\n\nhttp://en.wikipedia.org/wiki/List_of_XML_editors\n"}
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+++ b/chunks/json/7341c20984fbe8219e5a44e107e842b2a50ac57c3ada7d1f7ce2f8785a95f7f2.json
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+{"chunk":{"char_end":28231,"char_start":26630,"chunk_id":"chk_21f4ee1cf1f55a75","chunk_index":16,"chunk_sha256":"7341c20984fbe8219e5a44e107e842b2a50ac57c3ada7d1f7ce2f8785a95f7f2","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"7341c20984fbe8219e5a44e107e842b2a50ac57c3ada7d1f7ce2f8785a95f7f2","token_estimate":400,"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 15 of 29\nPage 15 of 29\n\nSales Comparison Approach\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nGeneral Information\n\nProperty Address\n\n12345 Holiday Hwy\nSurfside, HI 12345\n\n13-222 N Trail Loop\nSurfside, HI 12345\n\n25-1837 Highmountain Pl\nSurfside, HI 12345\n\n22-1713 Broad Ave\nSurfside, HI 12345\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nContract Price\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\nAll Rights Included\n\nRights Not Included\n\nSite\n\nSite Size\n\nNeighborhood Name\n\nZoning Compliance\n\nSite Characteristics\n\nSite Influence (Location)\n\nView | Range\n\nDwelling(s)\n\nYear Built\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 |\nMLS 2345850\n\nAssessor Record |\nMLS 32498543\n\nAssessor Record |\nMLS 2354398\n\n$160,000\n\nPending\n\n$160,000\n\nNo\n\n08/25/2019\n\nDetached\n\nFee Simple\n\nNo\n\n1.1 Miles S\n\n$279,000\n\nSettled Sale\n\n—\n\n$279,000\n\n$0\n\n$0\n\n$0\n\nVA\n\nNo\n\n02/22/2019\n\n04/30/2019\n\n115\n\nDetached\n\nFee Simple\n\nNo\n\n5.1 Miles NW\n\n$210,000\n\nSettled Sale\n\n—\n\n$200,500\n\nConventional\n\nNo\n\n10/01/2018\n\n12/03/2018\n\n94\n\nDetached\n\nFee Simple\n\nNo\n\n$0\n\n$0\n\n$0\n\nConventional\n\nNo\n\n03/20/2019\n\n05/30/2019\n\n87\n\nDetached\n\nFee Simple\n\nNo\n\n4.4 Miles W\n"}
diff --git a/chunks/json/734797fa5795a9d8c0e9ddb04d3614f58086196d0c318d8904fc6edeb0eaaee6.json b/chunks/json/734797fa5795a9d8c0e9ddb04d3614f58086196d0c318d8904fc6edeb0eaaee6.json
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index 0000000000000000000000000000000000000000..cf2edaf9ffbe8e1091036051800264efee965d6d
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+++ b/chunks/json/734797fa5795a9d8c0e9ddb04d3614f58086196d0c318d8904fc6edeb0eaaee6.json
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+{"chunk":{"char_end":12983,"char_start":11353,"chunk_id":"chk_e43733d5080f1cb8","chunk_index":7,"chunk_sha256":"734797fa5795a9d8c0e9ddb04d3614f58086196d0c318d8904fc6edeb0eaaee6","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ae699ea5c646d934","text_sha256":"734797fa5795a9d8c0e9ddb04d3614f58086196d0c318d8904fc6edeb0eaaee6","token_estimate":408,"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":"Finish\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\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 8 of 26\n\nUnit Interior - Building 1 - Unit B (continued)\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 B)\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 B Bath 1 photo would display.\n\nThis is where the Unit B Bath 2 photo would display.\n\nLevel 1 - Bedroom - Bedroom 1\n\nLevel 1 - Bedroom - Bedroom 2\n\nThis is where the Unit B Bedroom 1 photo would display.\n\nThis is where the Unit B Bedroom 2 photo would display.\n"}
diff --git a/chunks/json/73503af370551ca825057e93dff694f7eed9443ff356f8c9a7ee7dd39e4e4e2f.json b/chunks/json/73503af370551ca825057e93dff694f7eed9443ff356f8c9a7ee7dd39e4e4e2f.json
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index 0000000000000000000000000000000000000000..0c4989f11afa3d3235a56e1443547a6838078225
--- /dev/null
+++ b/chunks/json/73503af370551ca825057e93dff694f7eed9443ff356f8c9a7ee7dd39e4e4e2f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13713,"char_start":12248,"chunk_id":"chk_07fa7f479f1d77af","chunk_index":6,"chunk_sha256":"73503af370551ca825057e93dff694f7eed9443ff356f8c9a7ee7dd39e4e4e2f","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_be6881c7111e42f5","text_sha256":"73503af370551ca825057e93dff694f7eed9443ff356f8c9a7ee7dd39e4e4e2f","token_estimate":402,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Enterprise_Single_Family_Public_Use_Database_Dashb_862d6.md"]},"text":"##### About\n\n[Single-Family Public Use Database (PUDB)](/data/pudb) The Single-Family Public Use Database (PUDB) contains Enterprise Single-Family mortgage loan level data, including data elements that have been determined to lose their proprietary character when categorized in ranges or otherwise adjusted or recoded. There are two separate files: a Census Tract File that identifies the census tract location of the mortgaged properties; and a National File that does not identify the location of the mortgaged properties, but contains mortgage-level data and unit class-level data on all Single-Family properties. This dashboard rolls up information from the Census Track File nationally, and merges that with the National File.\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/7350e904dcf16864ca4711935c4af0e80d2832f199616eb8d6d363978be49d19.json b/chunks/json/7350e904dcf16864ca4711935c4af0e80d2832f199616eb8d6d363978be49d19.json
new file mode 100644
index 0000000000000000000000000000000000000000..d2f01b9e8fa5e58945a2c6e810faf4e23da71a15
--- /dev/null
+++ b/chunks/json/7350e904dcf16864ca4711935c4af0e80d2832f199616eb8d6d363978be49d19.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":25113,"char_start":22829,"chunk_id":"chk_a1df66c5a3736c6a","chunk_index":13,"chunk_sha256":"7350e904dcf16864ca4711935c4af0e80d2832f199616eb8d6d363978be49d19","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e850234b5f802a10","text_sha256":"7350e904dcf16864ca4711935c4af0e80d2832f199616eb8d6d363978be49d19","token_estimate":570,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fraud_Prevention___FHFA_zbisx.md"]},"text":"#### Money Laundering (use of fraud proceeds)\n\nMoney Laundering is the criminal act of introducing proceeds of crime into the financial system in efforts to obscure its origin. A transaction involving proceeds of any type of fraud can be a predicate offense for money laundering. Fraudsters are known to use tools of fraud such as straw buyers and fictitious employment information to obtain mortgages through which funds may be laundered.\n\n#### Cyber-Enabled Fraud and Theft Schemes\n\nTechnological advancements can create new pathways for cyber-enabled fraud. The information below can aid in identifying common cyber fraud schemes that can be used to commit mortgage fraud.\n\n**Business Email Compromise (BEC)** – Fraudsters target email accounts of financial institutions or their customers, including commercial, non-profit, non-governmental, or governmental entities to either spoof a valid email address or use a valid, but compromised email address to direct victims to disclose sensitive data or execute fraudulent payments. Fraudsters employ various tactics such as password spray, phishing, malware, and social engineering to further these schemes.\n\n**Caller ID and Email Spoofing** – Caller ID and email spoofing allows a fraudulent caller or sender to masquerade as someone else by falsifying either the number that appears on the victim’s caller ID display or an email sender that appears familiar and unsuspicious to the recipient. For example, fraudsters are known to spoof the identity of mortgage servicers in efforts to collect sensitive personal or financial information.\n\n**Credential Stuffing**– Cyber attackers may use stolen credentials (e.g., usernames/email addresses and corresponding passwords), often resulting from a data breach and purchased from the dark web, to gain unauthorized access to an account that may use the same credentials. This attack is conducted assuming that users often reuse the same username and password combination across various websites. Fraudsters use the credentials across numerous pages, such as a mortgage servicer’s website, in attempt to gain unauthorized access to customer or corporate accounts. If successful, the fraudsters often steal personal or financial information or attempt to execute fraudulent payments.\n"}
diff --git a/chunks/json/7354c74a4afb578de75323c486c3ac8bd728e76398d8d86095735c24a0219d70.json b/chunks/json/7354c74a4afb578de75323c486c3ac8bd728e76398d8d86095735c24a0219d70.json
new file mode 100644
index 0000000000000000000000000000000000000000..571d32693a00709c395227035bdb5fa2d683cdf1
--- /dev/null
+++ b/chunks/json/7354c74a4afb578de75323c486c3ac8bd728e76398d8d86095735c24a0219d70.json
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+{"chunk":{"char_end":1755,"char_start":0,"chunk_id":"chk_a30435b65c6d9190","chunk_index":0,"chunk_sha256":"7354c74a4afb578de75323c486c3ac8bd728e76398d8d86095735c24a0219d70","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_b32bba90b1ea6c8b","text_sha256":"7354c74a4afb578de75323c486c3ac8bd728e76398d8d86095735c24a0219d70","token_estimate":533,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Performance_and_Accountability_Report___U_S___7lvrij.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/fhfa-performance-and-accountability-report\"\ndate_accessed: \"2026-01-27T17:47:57.677Z\"\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/7360c2b6583d069770537dc09fe3d411b080f2a7b02d812f24b8bd86dcc3ddbe.json b/chunks/json/7360c2b6583d069770537dc09fe3d411b080f2a7b02d812f24b8bd86dcc3ddbe.json
new file mode 100644
index 0000000000000000000000000000000000000000..1ff91aa33bda5f5d7c0d206e31a3ef178fabe23f
--- /dev/null
+++ b/chunks/json/7360c2b6583d069770537dc09fe3d411b080f2a7b02d812f24b8bd86dcc3ddbe.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":14385,"char_start":12767,"chunk_id":"chk_5e175fd48b050a5a","chunk_index":8,"chunk_sha256":"7360c2b6583d069770537dc09fe3d411b080f2a7b02d812f24b8bd86dcc3ddbe","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"7360c2b6583d069770537dc09fe3d411b080f2a7b02d812f24b8bd86dcc3ddbe","token_estimate":405,"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 4 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nRevision History\n\nVersion 1.1 (Published December 12, 2023)\n\nReference Guide\nChapter\n\nChange #\n\nVersion 1.1 (Published December 12, 2023)\n\nRevision Description\n\nVarious\n\n2023-045 Clarified requirements when there is more than one unit (Units Excluding ADUs is more than 1).\n\n2023-007 Corrected the list of legacy appraisal forms being replaced by the URAR.\n\n2023-008 URAR Section Organization: Clarified Unit Interior and Manufactured Home section display.\n\n2023-037 URAR Section Organization and Photos and Images: Corrected typo in the Overall Quality and Condition section name.\n\nOverview\n\n2023-014\n\nDocument Conventions: Clarified that green rows in Reference Guide tables are applicable only to FHA, VA, or USDA\nappraisals.\n\n2023-011\n2023-047\n\nExample of Field Names in the Reference Guide: Corrected report sample, updated table for Vehicle Storage Attachment\nType.\n\n2023-013\n2023-019\n\nPhotos and Images: Clarified photo requirements for view, encroachments, rooms in ADUs and outbuildings, and water\nfrontage with private access.\n\nHeader and Footer 2023-061 Updated date in footer to December 2023.\n\n01 Summary\n\n2023-037\n\nCorrected display rules for Market Value Condition (1.009), and updated Report Field ID in Cost to Repair Reporting\nOptions to 1.083.\n\n02 Assignment\nInformation\n\n03 Subject\nProperty\n\n2023-025 Unit Identifier (1.047, 1.062): Clarified example.\n\n2023-014 Government Agency Appraisal (Not on Report): Corrected display rules.\n\n2023-068 Clarified that only one contact can be the Client (2.010/2.011).\n"}
diff --git a/chunks/json/7370de4f3839ea4ad4f3dc8262aa15ae502dde48faa0e0db0421680d8010aad6.json b/chunks/json/7370de4f3839ea4ad4f3dc8262aa15ae502dde48faa0e0db0421680d8010aad6.json
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index 0000000000000000000000000000000000000000..b42a19b45ff791e16a3e5e6ce3f1a6adce9f588c
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+++ b/chunks/json/7370de4f3839ea4ad4f3dc8262aa15ae502dde48faa0e0db0421680d8010aad6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":795,"char_start":0,"chunk_id":"chk_f2f4a6b07431fa8c","chunk_index":0,"chunk_sha256":"7370de4f3839ea4ad4f3dc8262aa15ae502dde48faa0e0db0421680d8010aad6","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8fc973e8928444d5","text_sha256":"7370de4f3839ea4ad4f3dc8262aa15ae502dde48faa0e0db0421680d8010aad6","token_estimate":199,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2019-ucd-release-notes.pdf","below_target_min_tokens"]},"text":"Uniform Closing Dataset (UCD) Collection Solution Enhancements\n2019 Release Notes Summary\n\nThis UCD Collection Solution 2019 Release Notes Summary provides access to all 2019 UCD updates in an easy-to-read format and located in one document. Please refer to\nthe UCD Announcements webpage for additional details.\n\nSeptember 29, 2020\n\nIn Case You Missed It\n\nEffective\nDate\n\nImpacted\nArea\n\nDescription\n\nJune 24, 2019\n\nUCD Mandate\n\nUCD Seller Information Mandate went into effect.\n\nJune 28, 2019\n\nResubmission\n\nUCD Resubmission Requirements and Guidelines provided by Fannie Mae.\n\nSeptember 30, 2019\n\nNew Edits\n\n21 new warning edits for the Seller Information were introduced in the UCD Collection Solution. Please refer to the UCD\nFeedback Messages for details.\n\n© 2020 Fannie Mae\n\nSeptember 2020\n"}
diff --git a/chunks/json/737434cfcf30b5f75a2b49a8ed2d615d327c3e9605787dad9b5628880617944a.json b/chunks/json/737434cfcf30b5f75a2b49a8ed2d615d327c3e9605787dad9b5628880617944a.json
new file mode 100644
index 0000000000000000000000000000000000000000..9e03d2113c1e2928788d98e29d6f113c40329657
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+++ b/chunks/json/737434cfcf30b5f75a2b49a8ed2d615d327c3e9605787dad9b5628880617944a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":205398,"char_start":202818,"chunk_id":"chk_f31c4e92d318df7d","chunk_index":119,"chunk_sha256":"737434cfcf30b5f75a2b49a8ed2d615d327c3e9605787dad9b5628880617944a","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"737434cfcf30b5f75a2b49a8ed2d615d327c3e9605787dad9b5628880617944a","token_estimate":645,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"1,550 Sq. Ft.\n\n1,250 Sq. Ft.\n\n300 Sq. Ft.\n\n$0\n\n$0\n\n$0\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nQuality\n\nExterior Walls and Trim\n\nFoundation\n\nRoof\n\nCondition\n\nInterior Quality and Condition\n\nQuality\n\nKitchen\n\nQ3\n\nCement Board\n\nBasement\n\nComposition\n\nC1\n\nQ3\n\nQ3\n\nCement Board\n\nBasement\n\nComposition\n\nC1\n\nQ3\n\nCommercial Grade\nAppliances\n\nCommercial Grade\nAppliances\n\nOverall Bathrooms\n\nMixture of Tile and Granite\n\nMixture of Tile and Granite\n\nOverall Flooring\n\nNylon Short Loop and\nEngineered Wood\n\nNylon Short Loop and\nEngineered Wood\n\nWalls and Ceiling\n\n9 Ft. and 10 Ft. | Custom\n\n9 Ft. | Custom\n\nCondition\n\nC1\n\nC1\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQuality\n\nCondition\n\nProperty Amenities\n\nOutdoor Living\n\nQ3\n\nC1\n\nQ3\n\nC1\n\nWhole Home\n\nIndoor Fireplace - 2\n\nPatio | Porch\n\n$(2,000)\n\nDeck | Patio\n| Porch\n\nIndoor\nFireplace - 2\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\nDriveway | 4 | Asphalt\nGarage | 3 | Attached 626 Sq. Ft.\n\nDriveway | 4 | Asphalt\nGarage | 3 | Attached\n\n$895,000\n\n$895,000\n\n$915,000\n\n—\n\n—\n\n$(2,000)\n\n$590\n\n$913,000\n\nMost\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$900,000\n\nReconciliation of Sales Comparison Approach\n\nAll comparable properties used in this appraisal are considered to be similar in style, function, and utility as all are site condo properties similar\nin design style. All comparable properties are considered to be reasonable indicators of value. Comparable #3 is a recent new construction\nsale of a model match property which is located in the same project and has been constructed by the same builder as the subject property.\nComparable #3 is the closed sale which is most similar to the subject and has been given most weight. Comparable sales #1 and #2 are similar\nsite condo properties that are similar in design style. Both transactions show support for market acceptance of site condo properties from\nmultiple builders within the market. Comparable #4 is an active listing and is very similar to the subject property. While comparable sales #1\nand #2 are reasonable indicators of value as they have many similarities when compared to the subject, comparable properties #3 and #4 are\nstrong indicators of value and were given most consideration due to the vast amount of similarities, very few differences, being located in the\nsame development and constructed by the same builder as the subject property.\n"}
diff --git a/chunks/json/7376643ad905bffc557d8c74ae35321c642a05f9097dceaa3f53567613f79cab.json b/chunks/json/7376643ad905bffc557d8c74ae35321c642a05f9097dceaa3f53567613f79cab.json
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+{"chunk":{"char_end":17934,"char_start":14735,"chunk_id":"chk_9b6eefcebacccd3d","chunk_index":9,"chunk_sha256":"7376643ad905bffc557d8c74ae35321c642a05f9097dceaa3f53567613f79cab","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_755fd4ce20691826","text_sha256":"7376643ad905bffc557d8c74ae35321c642a05f9097dceaa3f53567613f79cab","token_estimate":987,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Duty_to_Serve_Program___FHFA_rjdacs.md"]},"text":"## 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\\/13746\",\"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/7379fd2d25ab2e11823997d45b185b601c90454e5198f6d2316a51dac0b3937c.json b/chunks/json/7379fd2d25ab2e11823997d45b185b601c90454e5198f6d2316a51dac0b3937c.json
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+++ b/chunks/json/7379fd2d25ab2e11823997d45b185b601c90454e5198f6d2316a51dac0b3937c.json
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+{"chunk":{"char_end":153247,"char_start":151445,"chunk_id":"chk_fc03edc7b314d09e","chunk_index":70,"chunk_sha256":"7379fd2d25ab2e11823997d45b185b601c90454e5198f6d2316a51dac0b3937c","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"7379fd2d25ab2e11823997d45b185b601c90454e5198f6d2316a51dac0b3937c","token_estimate":451,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"4. 2. 2 CAN THI S AMOUNT I NCR EASE AFTER CLOSI NG?\n\nThe next column in the Loan Terms table indicates whether the loan amount can increase. Interest rate\nvariability depends on the loan’s amortization type and associated features.\n\na. NO--I NTEREST RATE CANNOT I NCREASE\n\nIf the interest rate cannot increase for the life of the loan, “NO” is provided for 4.2.2 and no description is\nrequired for 4.2.3, as shown in the figure and table 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\n4.1.2 NO\n\n4.1.3\n\nAppendix E: UCD Implementation Guide\n\nPage 65 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n4.0 Loan Terms\n\n4.2 Interest Rate\n\n4.2.1 3.875%\n\n4.2.2 NO\n\n4.2.3\n\nFigure 36. Loan Terms Table - Interest Rate Cannot Increase\n\nTable 51. Interest Rate Cannot Increase\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\n4.2.2\n\nCan this amount\nincrease…?\n\n.../LOAN_DETAIL\n\nInterestRateIncreas\neIndicator\n\nfalse\n\nRepresented as\n“NO” on form\n\nb. YES--I NTEREST RATE CAN OR WI LL I NCREASE\n\nIf Interest Rate may increase after closing, the bulleted text immediately to the right of the “YES” answer must\nprovide potentiality, adjustment frequency, maximum rate and a reference to the AIR table. The interest rate\nterms shown in the boilerplate text are driven by the values of data provided in the XML file. If Interest Rate can\nor will increase after closing, the Interest Rate Increase Indicator value is “true”. The next information item\nnecessary for constructing the variable boilerplate text is whether the rate increase is potential—for For\nexample, for an ARM—or scheduled—as for a Step Rate loan or a loan with a temporary buydown feature.\nSamples of both scenarios are shown in the figures and tables below.\n"}
diff --git a/chunks/json/737ffb0a19b67ff015b9b5f5d58e7fe3e49c118bdc09c373cf17375949d0d803.json b/chunks/json/737ffb0a19b67ff015b9b5f5d58e7fe3e49c118bdc09c373cf17375949d0d803.json
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+{"chunk":{"char_end":93890,"char_start":92262,"chunk_id":"chk_be4f96bf1eef0903","chunk_index":34,"chunk_sha256":"737ffb0a19b67ff015b9b5f5d58e7fe3e49c118bdc09c373cf17375949d0d803","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"737ffb0a19b67ff015b9b5f5d58e7fe3e49c118bdc09c373cf17375949d0d803","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"EntryDatetime\n\n2015-02-\n17T09:00:47Z\n\n0.020\n\n0.210\n\nN/A - XML\n\nN/A - XML\n\nEventType\n\nOther\n\nEventTypeOtherDesc\nription\n\nAppliedTamperEvide\nntSignature\n\n0.052\n\n0.055\n\n0.053\n\n0.023\n\n0.024 |\n997.054\n\nN/A - GSE\n\nN/A - GSE\n\n…/PARTY_ROLE_IDEN\nTIFIER\n\nPartyRoleIdentifier\n\n<String 50>\n\n@IdentifierOwnerURI \"www.fanniemae.co\n\nN/A - GSE\n\n…/ROLE_DETAIL\n\nPartyRoleType\n\nm\" |\n\"www.freddiemac.co\nm\"\n\nLoanDeliveryFilePrep\narer\n\nN/A - XML\n\n…/SYSTEM_SIGNATU\nRE/EXTENSION/OTHE\nR\n\ngse:XMLDigitalSignat\nureElement\n\n<code>\n\nN/A - XML\n\n…/VIEWS/VIEW\n\n@SequenceNumber 1\n\n0.025\n\nN/A - XML\n\n…/FOREIGN_OBJECT EmbeddedContentX\n\n<code>\n\nML\n\n0.050\n\nN/A - XML\n\nMIMETypeIdentifier application/pdf\n\n0.034\n\nN/A - XML\n\nObjectEncodingType Base64\n\n0.048\n\nN/A - XML\n\nObjectName\n\nClosingDisclosure000\n1.pdf\n\nAppendix E: UCD Implementation Guide\n\nPage 28 of 254\n\n▪ Only acceptable\n\nformat\n\n▪ Date and time the\ntamper evident\nseal was applied to\nthe document\n\n▪ Only acceptable\n\nvalues\n\n▪ Indicate that a\ntamper evident\nseal was applied to\nthe embedded\ndocument\n\n▪ Data Clarity\n▪ The GSE-assigned\nseller or vendor\nidentifier if\navailable\n\n▪ The sending\n\nsystem’s signature\n\n▪ Orders multiple\nDOCUMENTS\nwithin the XML file\n\n▪ 1 DOCUMENT for\nthe Model or\nAlternate form and\n1 or 2\nDOCUMENTS for\nsplit disclosures\n\n▪ The embedded\n\nPDF of the Closing\nDisclosure\n\n▪ Only acceptable\n\nvalue\n\n▪ Data about the\n\nencoding\n\n▪ Only acceptable\n\nvalue\n\n▪ Data about the\n\nencoding\n\n▪ Identifies the\n\nembedded file\nname\n\nVersion 1.4\n\nUniform Closing Dataset\n\nIV. UCD Data Point Categories\n\nUCD\nUID\n\n0.028\n\nForm Field Name\n\nN/A - XML\n\n0.029\n\nN/A - XML\n\nTable 5. UCD File Handling Data\n"}
diff --git a/chunks/json/738a239edd130e7605aefbd44689bbd976f606ecb5672fa748d2d1261d8ca1b3.json b/chunks/json/738a239edd130e7605aefbd44689bbd976f606ecb5672fa748d2d1261d8ca1b3.json
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+++ b/chunks/json/738a239edd130e7605aefbd44689bbd976f606ecb5672fa748d2d1261d8ca1b3.json
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+{"chunk":{"char_end":30956,"char_start":30261,"chunk_id":"chk_14da12f00069b1af","chunk_index":10,"chunk_sha256":"738a239edd130e7605aefbd44689bbd976f606ecb5672fa748d2d1261d8ca1b3","date_utc":"2026-01-27T18:02:18+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_be724e97682c8adf","text_sha256":"738a239edd130e7605aefbd44689bbd976f606ecb5672fa748d2d1261d8ca1b3","token_estimate":222,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Servicing_Management_Default_Underwriter__SMDU_____wvpfq9.md"]},"text":"## Social media\n\n- [LinkedIn](https://www.linkedin.com/company/fannie-mae-corporation_19722)\n - [Facebook](https://www.facebook.com/fanniemae)\n - [Instagram](https://instagram.com/officialfanniemae)\n - [X (formerly Twitter)](https://twitter.com/FannieMae)\n\n## Footer menu\n\n- [Suppliers](https://www.fanniemae.com/portal/suppliers/index.html)\n - [Careers](https://careers.fanniemae.com/main)\n - [Contact Us](https://www.fanniemae.com/portal/about-fm/sf-mf-contacts.html)\n - [Legal](https://www.fanniemae.com/about-us/legal-disclosure)\n - [Privacy](https://www.fanniemae.com/about-us/corporate-governance/online-privacy-notice)\n - [Cookie Preferences](javascript:void(0);)\n\n© 2026 Fannie Mae\n"}
diff --git a/chunks/json/7392ebc141b1b5f5344321e42995eed161b9d2bd9141deefd6dce35363d1bd66.json b/chunks/json/7392ebc141b1b5f5344321e42995eed161b9d2bd9141deefd6dce35363d1bd66.json
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+++ b/chunks/json/7392ebc141b1b5f5344321e42995eed161b9d2bd9141deefd6dce35363d1bd66.json
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+{"chunk":{"char_end":32526,"char_start":30930,"chunk_id":"chk_39ad7f0c9adfddfa","chunk_index":19,"chunk_sha256":"7392ebc141b1b5f5344321e42995eed161b9d2bd9141deefd6dce35363d1bd66","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"7392ebc141b1b5f5344321e42995eed161b9d2bd9141deefd6dce35363d1bd66","token_estimate":400,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"TB-I\nTB-B\nTB-I\n\nTB-I\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\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\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\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nSubject Property\nSubject Property\n\nComparable #\nComparable #\n\nComparable #\nComparable #\n\nComparable #\nComparable #\n\nProperty Address\nProperty Address\n\nInterior Quality and Condition\nInterior Quality and Condition\n\nTB-SCA_H2\n\nStructure ID | Unit ID\nStructure ID | Unit ID\n\nQuality\nQuality\n\nKitchen\nKitchen\n\nOverall Bathrooms\nOverall Bathrooms\n\nOverall Flooring\nOverall Flooring\n\nWalls and Ceiling\nWalls and Ceiling\n\nCondition\nCondition\n\nKitchen\nKitchen\n\nOverall Bathrooms\nOverall Bathrooms\n\nOverall Flooring\nOverall Flooring\n\nWalls and Ceiling\nWalls and Ceiling\n\nADU Interior Quality and Condition\nADU Interior Quality and Condition\n\nTB-SCA_H2\n\nLocation of ADU\nLocation of ADU\n\nQuality\nQuality\n\nKitchen\nKitchen\n\nOverall Bathrooms\nOverall Bathrooms\n\nOverall Flooring\nOverall Flooring\n\nWalls and Ceiling\nWalls and Ceiling\n\nCondition\nCondition\n\nKitchen\nKitchen\n\nOverall Bathrooms\nOverall Bathrooms\n\nOverall Flooring\nOverall Flooring\n\nWalls and Ceiling\nWalls and Ceiling\n\nHDR-L\n\nTCH\nTB\n\nTB-B\nTB-B\nTB-I\n\nTB-I\n\nTB-B\nTB-I\n\nTB-I\n\nTB-B\nTB-B\n\nTB-I\n\nTB-I\n\nTB-B\n\nTB-I\n"}
diff --git a/chunks/json/73977e1f4eab7a71909a0ad012468ff0e3210220aea9b394249219022a8f7205.json b/chunks/json/73977e1f4eab7a71909a0ad012468ff0e3210220aea9b394249219022a8f7205.json
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+++ b/chunks/json/73977e1f4eab7a71909a0ad012468ff0e3210220aea9b394249219022a8f7205.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":69271,"char_start":67671,"chunk_id":"chk_133647a74ab7cf8e","chunk_index":38,"chunk_sha256":"73977e1f4eab7a71909a0ad012468ff0e3210220aea9b394249219022a8f7205","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"73977e1f4eab7a71909a0ad012468ff0e3210220aea9b394249219022a8f7205","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"An 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 appraisals\n\nFree-form\n\nHF.007 Client Reference\n\nIf applicable\n\nFree-form\n\nID\n\nHF.008 AMC Reference\n\nID\n\nIf applicable when\nthere is an AMC\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\nA unique number or identifier assigned to the appraisal by the client.\nNote: If not applicable, Client Reference ID does not display.\n\nA unique number or identifier assigned to the appraisal by the appraisal\nmanagement company (AMC).\nNote: If not applicable, AMC Reference ID does not display.\n\nAppendix F-1: URAR Reference Guide\n\nPage 24 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n01 Summary\n\n01 Summary\n\nThe Summary section provides a synopsis of key information from the URAR as a quick reference, including\nactions to be taken into consideration by the reviewer. This section is not a substitute for reading the entire\nappraisal. For greater detail and understanding, refer to the applicable section, which is indicated in the Origin\nof Information (Section)” column in this chapter.\n\nNote: The information in this section redisplays from other sections, and the “Origin of Information (Section)”\ncolumn in this chapter shows the original location.\n\nReport\nField ID\n\nReport Label\n\nWhen Displayed in\nSummary Section\n\nAllowable Answers /\nFormat\n"}
diff --git a/chunks/json/73a3ec28b99c3ed44d6d1189123f3df5831fbf004fea649e2200e9fd4c88ea7a.json b/chunks/json/73a3ec28b99c3ed44d6d1189123f3df5831fbf004fea649e2200e9fd4c88ea7a.json
new file mode 100644
index 0000000000000000000000000000000000000000..88b11727d9c3d688535422a58b0b12c80a3c8ce5
--- /dev/null
+++ b/chunks/json/73a3ec28b99c3ed44d6d1189123f3df5831fbf004fea649e2200e9fd4c88ea7a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":712588,"char_start":710934,"chunk_id":"chk_c98fd1948e967924","chunk_index":422,"chunk_sha256":"73a3ec28b99c3ed44d6d1189123f3df5831fbf004fea649e2200e9fd4c88ea7a","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"73a3ec28b99c3ed44d6d1189123f3df5831fbf004fea649e2200e9fd4c88ea7a","token_estimate":414,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@_ReviewedIn\ndicator='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\n43\n\n44\n\n45\n\n1\n\n1\n\n1\n\n46\n\n1\n\ne-3\n\nCONTRACT\n\nExplain the results of the analysis of the\ncontract for sale or why the analysis was\nnot performed.\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_CONT\nRACT_EXTENSION/SALES_CONTRACT_EXTENSION_SECTION[@Extensi\nonSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/SALES_CONTRACT_EXTENSION_SECTION_DATA/SALES_T\nRANSACTION/@GSESaleType\n\n17\n\nEnumerated\n\n47\n\n48\n\n49\n\n50\n\n51\n\n52\n\n53\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n44\n\nCONTRACT\n\nExplain the results of the analysis of the\ncontract for sale or why the analysis was\nnot performed.\n\nSales Contract\nReview Comment\n\nA free-form text field describing the sales\ncontract.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@_ReviewCom\nment\n\n4000\n\nString\n\n45\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/@_Amount\n\n46\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\n47\n\n48\n\n49\n\n50\n\nCONTRACT\n\nCONTRACT\n\nIs the property seller the owner of public\nrecord?\nYes\nIs the property seller the owner of public\nrecord?\nNo\n\nSeller Is Owner\nIndicator\n\nIndicates that the seller is the owner of the\nproperty.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@SellerIsOwne\nrIndicator='Y']\n"}
diff --git a/chunks/json/73a55241af6aebb980e393d421e1b3e22011cca5653b988f747eece572668c77.json b/chunks/json/73a55241af6aebb980e393d421e1b3e22011cca5653b988f747eece572668c77.json
new file mode 100644
index 0000000000000000000000000000000000000000..83a557c040de4780650d4a4eac9eff37aa6e1bf0
--- /dev/null
+++ b/chunks/json/73a55241af6aebb980e393d421e1b3e22011cca5653b988f747eece572668c77.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":275516,"char_start":273860,"chunk_id":"chk_b2600ee7be199da2","chunk_index":242,"chunk_sha256":"73a55241af6aebb980e393d421e1b3e22011cca5653b988f747eece572668c77","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"73a55241af6aebb980e393d421e1b3e22011cca5653b988f747eece572668c77","token_estimate":414,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"outbuilding includes area for vehicle storage, ADU(s), and any other uses” displays below the field. (Figure 12 - 2)\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 12 - 2\n\nPage 205\n\nAbbreviated Version of Outbuilding\n\nWhen ImprovementType = \"Outbuilding\" and Considered Real Property - OutbuildingRealPropertyIndicator (UID: 0300.0024, FID: 12.002)\n= “false”\n\n• The following do not display:\n\no Units in Structure, Structure Volume, Gross Building Area do not display\n\no Descriptive text “Gross Building Area for the outbuilding includes area for vehicle storage, ADU(s), and any other uses” does\n\nnot display\n\no Detail, Mechanical System Details, and Apparent Defects, Damages, Deficiencies subsections do not display. (Figure 12 - 3)\n\n• The following do display:\n\no Considered Real Property - OutbuildingRealPropertyIndicator (UID: 0300.0024, FID: 12.002)\n\no Attached to Permanent Foundation - ManufacturedHomeAttachedToFoundationIndicator (UID: 0500.0007, FID: 12.004)\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 12 - 3\n\nPage 206\n\nDetail\n\nThe Detail subsection displays when Considered Real Property – OutbuildingRealPropertyIndicator (UID: 0300.0024, FID: 12.002) = \"true\", and\nadditional information displays.\n\n• When Units in Structure - LivingUnitCount (UID: 0300.0063, FID: 12.003) = 0, (Figure 12 - 4)\n\no Heating - HeatingSystemExistsIndicator (UID: 0300.0023, FID: 12.008) checkbox displays.\no Cooling - CoolingSystemExistsIndicator (UID: 0300.0022, FID: 12.009) checkbox displays.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nNote: Note: When the outbuilding does not contain an ADU, the details for the heating and cooling\n"}
diff --git a/chunks/json/73a56042f3792689fb63159aabab2e101c55d095e76eeea94adc05516e01caa2.json b/chunks/json/73a56042f3792689fb63159aabab2e101c55d095e76eeea94adc05516e01caa2.json
new file mode 100644
index 0000000000000000000000000000000000000000..5c081f02b183b7a69bd1908bb7dc88c52e857886
--- /dev/null
+++ b/chunks/json/73a56042f3792689fb63159aabab2e101c55d095e76eeea94adc05516e01caa2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":38884,"char_start":37115,"chunk_id":"chk_817577084f496c85","chunk_index":13,"chunk_sha256":"73a56042f3792689fb63159aabab2e101c55d095e76eeea94adc05516e01caa2","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_96e78a2d28acf23b","text_sha256":"73a56042f3792689fb63159aabab2e101c55d095e76eeea94adc05516e01caa2","token_estimate":443,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__Uniform_Closing_Dataset___Fannie_Mae_dr8d4l.md"]},"text":"The required data points when the Alternate Form is used are listed below with the UCD v1.5 UID, a slash, then the UCD v2.0 UID:\n\n- 16.016 / 10.039 ClosingAdjustmentItemAmount\n- 16.024 / 10.211 ClosingAdjustmentItemPaidOutsideOfClosingIndicator\n- 16.017 / 10.042 ClosingAdjustmentItemType = “Gift” or “Grant”\n- 16.020 (same in both spec versions) IntegratedDisclosureSectionType = “PayoffsAndPayments”\n- 16.023 /10.308 FullName with the full name of the individual providing the gift, OR\n- 16.022 / 10.043 FullName with the full, unparsed name of the legal entity providing the grant.\n- 16.021 (same in both spec versions) gse:FullName with the full, unparsed name of the payee\nWhen the Model Form is used for a refinance transaction, the data points to be provided in the UCD XML file are the same, with the following substitutions for the Model Form heading and subheading:\n\n- 10.162 (same in both versions) IntegratedDisclosureSectionType = “PaidAlreadyByOrOnBehalfOfBorrowerAtClosing”\n- UID 10.163 (same in both versions) IntegratedDisclosureSubsectionType = “OtherCredits”\n**28. I have run my loan through both Desktop Underwriter® (DU®) and Loan Product Advisor® (LPA®) and received an Automated Underwriting Case Identifier from both systems. Can I include the Automated Underwriting Case Identifier and Automated Underwriting Case System Type for both DU and Loan Product Advisor in the same UCD XML file?**\n\nYes. You may include two instances of Automated Underwriting Case Identifier and Automated Underwriting System Type in the UCD XML file:\n\nOne with Automated Underwriting System Type = “DesktopUnderwriter” and second instance with Automated Underwriting System Type = “Other” / Automated Underwriting System Type OtherDescription = “LoanProductAdvisor”.\n"}
diff --git a/chunks/json/73b634c549864b05c33972acc42f90ed479acf040e480cff2d31d9018801c240.json b/chunks/json/73b634c549864b05c33972acc42f90ed479acf040e480cff2d31d9018801c240.json
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index 0000000000000000000000000000000000000000..fe28996e6507120907047400eb317e2574ae24ca
--- /dev/null
+++ b/chunks/json/73b634c549864b05c33972acc42f90ed479acf040e480cff2d31d9018801c240.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":171374,"char_start":169716,"chunk_id":"chk_d259a175d14161bb","chunk_index":94,"chunk_sha256":"73b634c549864b05c33972acc42f90ed479acf040e480cff2d31d9018801c240","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"73b634c549864b05c33972acc42f90ed479acf040e480cff2d31d9018801c240","token_estimate":415,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"in each\n\nc. Estimated Escrow Amount\n\nThe value of data point LOAN_DETAIL/EscrowIndicator (see (see Chapter R. Loan Feature Data) is used to indicate whether\nthe value of ProjectedPaymentEstimatedEscrowPaymentAmount should be greater than or equal to “0”. Zero is provided for\neach payment range when the value of EscrowIndicator = “false”. Otherwise, the estimated amount of the payment that is\napplied toward escrows during the projected payment period must be provided in each instance of PROEJCTED_PAYMENT.\n\nThe estimated monthly amount to fund the escrow account is provided in the third row of the Projected Payments table.\nIf an escrow account exists for the loan, the sum of the ProjectedPaymentMIPaymentAmount plus escrowed property costs\nis provided in the data point ProjectedPaymentEstimatedEscrowPaymentAmount.\n\nd. Estimated Total Monthly Payment Amounts\n\nThe last row of the Projected Payments table is for the Estimated Total Monthly Payment. The Estimated Total is the sum\nof the amounts disclosed for Principal & Interest, Mortgage Insurance, and Estimated Escrow for each year range. In the case\nof a payment amount range as illustrated in the second column, ProjectedPaymentPrincipalAndInterestMinimum\n\nUCD v2.0 Implementation Guide\n\n- 73 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nlowest possible payment during the payment range and\nPaymentAmount must be provided to show the\nProjectedPaymentEstimatedTotalMaximumPaymentAmount must be provided to show the highest possible payment\namount.\n\nIn the following UCD v2.0, the PROJECTED_PAYMENT structure repeats twice to reflect the two columns with year ranges\n"}
diff --git a/chunks/json/73d170e1400aa99fcfd305e63d288491bb565102a47edde7664ed5fad4511230.json b/chunks/json/73d170e1400aa99fcfd305e63d288491bb565102a47edde7664ed5fad4511230.json
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+++ b/chunks/json/73d170e1400aa99fcfd305e63d288491bb565102a47edde7664ed5fad4511230.json
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+{"chunk":{"char_end":9394,"char_start":7755,"chunk_id":"chk_aaa75dd0130f9807","chunk_index":4,"chunk_sha256":"73d170e1400aa99fcfd305e63d288491bb565102a47edde7664ed5fad4511230","date_utc":"2026-01-27T17:47:50+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d62475641b3949a6","text_sha256":"73d170e1400aa99fcfd305e63d288491bb565102a47edde7664ed5fad4511230","token_estimate":446,"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":"Learn about passports, travel documents for minors, and travel to, from, and within the U.S.](/travel)\n - [## Voting and elections\n\nFind out how to register to vote, where your voting location is, how presidential elections work, and more about voting in the United States.](/voting-and-elections)\n - [## Life events\n\nDiscover government benefits and services to help you and your family through every stage of life.](/life-events)\n\n[Top](#main-content)\n\n### Government information\n\n- [All topics and services](/#all-topics-header)\n - [Directory of U.S. government agencies and departments](/agency-index)\n - [Branches of government](/branches-of-government)\n\n### About us\n\n- [About USAGov](/about)\n - [Privacy and security policies](/privacy-security)\n - [Accessibility policy](/accessibility-policy)\n - [Report a website issue](/site-issue-report-form)\n - [Website usage data](/website-analytics/)\n\n### For federal agencies\n\n- [Partner with us](/partner-with-usagov)\n - [Read our blog](https://blog.usa.gov/)\n\n### For media\n\n- [USAGov Outreach](/outreach)\n - [Feature articles](/features)\n\n#### USAGov Contact Center\n\nAsk USA.gov a question at\n\n[1-844-USAGOV1 (1-844-872-4681)](/phone)\n\nUSAGov is the official guide to government information and services\n\nAn official website of the [U.S. General Services Administration](https://www.gsa.gov/)\n\n- [GSA accessibility support](https://www.gsa.gov/website-information/accessibility-statement?footer=)\n - [GSA privacy policy](https://www.gsa.gov/website-information/website-policies#privacy)\n - [FOIA requests](https://www.gsa.gov/reference/freedom-of-information-act-foia)\n"}
diff --git a/chunks/json/73e540e2696eb3f6d4622c91c353faf643c5481b9fe0020590d8fb0df58570fc.json b/chunks/json/73e540e2696eb3f6d4622c91c353faf643c5481b9fe0020590d8fb0df58570fc.json
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index 0000000000000000000000000000000000000000..ff281e48175e754dbc681968ce5518a2d5153c64
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+++ b/chunks/json/73e540e2696eb3f6d4622c91c353faf643c5481b9fe0020590d8fb0df58570fc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":105890,"char_start":104287,"chunk_id":"chk_8c98148e8a3cb846","chunk_index":108,"chunk_sha256":"73e540e2696eb3f6d4622c91c353faf643c5481b9fe0020590d8fb0df58570fc","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"73e540e2696eb3f6d4622c91c353faf643c5481b9fe0020590d8fb0df58570fc","token_estimate":404,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Left-hand side of page\n\n•\n\n•\n\n“Known Sales Concessions,” “Total Sales Concessions” set as TXR-B, TXR.\n\n“Typical for Market” set as TXR-I, TXR.\n\nSales Contract Analysis (H1)\n\nSet Commentary as TXC x 45 picas.\n\nSales Contract Exhibits (H1)\n\nSubsection does not display if there are no exhibits.\n\n“Prior Sale and Transfer History” sets as TAB.\n\nSubject Transfer History (H1)\n\n“Prior sales and/or transfers of the subject property (minimum 3 year look back)” sets as TXC-I x 45 picas.\n\nLeft-hand side of page\n\n•\n\n•\n\n“Prior Sales or Transfers” sets as TXR-B, TXR.\n\n“Data Source” sets as TXR-I, TXR.\n\nSubject Transfer History table\n\n• Set 4 equal column table x 45 picas, headings: (TCH) “Transfer Terms,” “Date,” “Amount,”\n\n“Data Source” (~42 characters per line, per cell).\n\n• Content sets as TB.\n\nSUBJECT TRANSFER HISTORY TABLE\n\nAppendix E: Report Style Guide\n\nPage 58 of 90\n\nVersion 1.4\n\nFull page width\n\n•\n\n“Analysis of Prior Sale and Transfer History of Subject Property” set as TXC-B (bold lead in to\nMyriad Pro Regular text) X 45 picas.\n\nComparable Transfer History (H1)\n\n“Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section\n(minimum 1 year look back)” sets as TXC-I.\n\nComparable Transfer History table\n\n• Set 5 column table x 45 picas, headings: (TCH) “#,” “Transfer Terms,” “Date,” “Amount,” “Data\n\nSource”.\n\n• Column 1:\n\n1 pica 6 points wide (~6 characters max, per line, per cell).\n\n• Column 2:\n\n9 picas 9 points wide (~39 characters max, per line, per cell).\n\n• Columns 3, 4, 5:\n\n11 picas 3 points wide (~45 characters max, per line, per cell).\n"}
diff --git a/chunks/json/7401c2519a83d6c312b9df421e0d1abcb17e7e3dc2628f1f25dcf5a600c8adae.json b/chunks/json/7401c2519a83d6c312b9df421e0d1abcb17e7e3dc2628f1f25dcf5a600c8adae.json
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+{"chunk":{"char_end":80827,"char_start":79153,"chunk_id":"chk_dbfd5c5330f3aff4","chunk_index":45,"chunk_sha256":"7401c2519a83d6c312b9df421e0d1abcb17e7e3dc2628f1f25dcf5a600c8adae","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"7401c2519a83d6c312b9df421e0d1abcb17e7e3dc2628f1f25dcf5a600c8adae","token_estimate":419,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Overall Condition\n15.005\n\nReference Appendix 2: Condition and Quality Rating\nDefinitions for definitions.\n\nReference Appendix 2: Condition and Quality Rating\nDefinitions for definitions.\n\nN/A\n\nSee\niGuide\n\nAlways displays\n\nPhoto\n\nProperty Photo\nPhoto of the subject property, typically the front.\n\nApparent Defects, Damages, Deficiencies Requiring Action\n\nAll defects, damages, and deficiencies requiring completion, inspection, or repair are redisplayed in the\nSummary section, along with the estimated cost to repair when applicable. Each defect, damage, or deficiency is\nassociated with the most appropriate section.\n• Site\n• Dwelling Exterior (for each dwelling)\n• Outbuilding (for each outbuilding)\n• Unit Interior (for each unit or ADU)\n• Vehicle Storage\n• Subject Property Amenities\n\nAppendix F-1: URAR Reference Guide\n\nPage 29 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n01 Summary\n\nIf there are no defects, damages, or deficiencies for the appraisal, “None” displays, and the Apparent Defects,\nDamages, Deficiencies table does not display.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nSummary: Apparent Defects, Damages, Deficiencies Requiring Action\n\n1.032\n\nN/A\n\nN/A\n\nDisplays when there\nare defects, damages,\nor deficiencies for the\nproperty\n\nThe items listed below represent the As Is condition as of the effective date of\nthis report\n\nIf there are defects, damages, or deficiencies for the appraisal, but none of them require action, this text\ndisplays, and the Apparent Defects, Damages, Deficiencies table does not display.\nSummary: Apparent Defects, Damages, Deficiencies Requiring Action\n"}
diff --git a/chunks/json/740859a177c15bae60bc60d54bbf5e811692bea1ef91fd15a3b99a65323b14fd.json b/chunks/json/740859a177c15bae60bc60d54bbf5e811692bea1ef91fd15a3b99a65323b14fd.json
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index 0000000000000000000000000000000000000000..194b91e5c934d16c1b0183f5b6c5e0d03daf0c2c
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+{"chunk":{"char_end":232730,"char_start":230981,"chunk_id":"chk_6dd6cfab0ac9e235","chunk_index":130,"chunk_sha256":"740859a177c15bae60bc60d54bbf5e811692bea1ef91fd15a3b99a65323b14fd","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"740859a177c15bae60bc60d54bbf5e811692bea1ef91fd15a3b99a65323b14fd","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":"The dwelling is a high-quality\nstructure, often using customized\nor complex, commercially\navailable plans. The materials\nand amenities have extended life\nexpectancy, high energy\nefficiency, and greater detail,\nornamentation, or custom\nfinishes. A Q2 dwelling can\ncontain a mixture of upgraded,\nhigh-end and luxury materials,\nconstructed with high-quality\nworkmanship\n\nQ3\n\nThe dwelling represents housing\nthat can be reproduced from\nstandard plans, featuring a higher\nthan standard degree of\n\n• Spacious rooms with high ceilings\nfeaturing extensive use of treatments (e.g.,\ncoved, barrel, cupola, coffered, beamed)\nand exceptional grade trim and custom\nmillwork throughout.\n\n• Exceptional grade, often rare or imported\nflooring materials, frequently featuring\ninlay work or other customization.\n\n• Spacious kitchens featuring top-grade\nmaterials, extensive cabinetry, and\ncountertop surface area; appliances and\nfixtures are frequently state of the art,\ncustom-designed, built-in, or commercial\ngrade.\n\n• Luxury bathrooms, often oversized and\nfeaturing exceptional quality materials and\nmultiple ornate or state-of-the-art fixtures\nand features.\n\n• Spacious rooms with higher ceilings that\nmay have custom design elements (e.g.,\ncoved, barrel, cupola, coffered, beamed),\nhigh-end built-ins, mouldings and wall\ntreatments in communal areas and the\nmain bedroom.\n\n• High-grade floor coverings designed for\nthe highest level of durability and\noccasionally featuring inlays or other\ncustomization.\n\n• Large kitchens featuring high-end\nappliances, extensive cabinetry, and\ncountertops.\n\n• Large bathrooms specifically dedicated to\ncertain bedrooms as well as at least one\ncommon bathroom; containing high-end\ncountertops, cabinetry, and plumbing\nfixtures.\n"}
diff --git a/chunks/json/7417fd3c7c3ab2b80aedf17d92b4f78580d6ae8bcf1fab2efaebcea06ff8fdf2.json b/chunks/json/7417fd3c7c3ab2b80aedf17d92b4f78580d6ae8bcf1fab2efaebcea06ff8fdf2.json
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index 0000000000000000000000000000000000000000..87c52374f61c2e1f57e82b5860b22f2f6e20a718
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+++ b/chunks/json/7417fd3c7c3ab2b80aedf17d92b4f78580d6ae8bcf1fab2efaebcea06ff8fdf2.json
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+{"chunk":{"char_end":2263,"char_start":1808,"chunk_id":"chk_eda78ce3f1c55362","chunk_index":1,"chunk_sha256":"7417fd3c7c3ab2b80aedf17d92b4f78580d6ae8bcf1fab2efaebcea06ff8fdf2","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"7417fd3c7c3ab2b80aedf17d92b4f78580d6ae8bcf1fab2efaebcea06ff8fdf2","token_estimate":424,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Table of Contents ............................................................................................................................................................................................................. 3\n\nIntroduction ..................................................................................................................................................................................................................... 6\n"}
diff --git a/chunks/json/741bb023175e9d2c55b1b4c836470443a630586ba727d0af001c5d6f55a283a6.json b/chunks/json/741bb023175e9d2c55b1b4c836470443a630586ba727d0af001c5d6f55a283a6.json
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+{"chunk":{"char_end":307208,"char_start":305457,"chunk_id":"chk_3a30f01a78e61c43","chunk_index":261,"chunk_sha256":"741bb023175e9d2c55b1b4c836470443a630586ba727d0af001c5d6f55a283a6","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"741bb023175e9d2c55b1b4c836470443a630586ba727d0af001c5d6f55a283a6","token_estimate":438,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Comments must use ValuationCommentText (UID: 1600.0008, FID: 15.010) AND ValuationAnalysisCategoryType (UID: 0100.0045, FID:\n15.010) = “OverallQualityAndCondition”.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n16 Highest and Best Use\n\nPage 232\n\nThe Highest and Best Use section focuses on answering the four tests of highest and best use and identifying if the present or proposed use\nis the highest and best use. This section provides space for additional commentary and exhibits.\n\nThe Highest and Best Use section always displays with the static text, “Is the present use of the subject property…”, followed by the required\nfields. (Figure 16 - 1)\n\n• Legally Permissible - LegallyPermissibleIndicator (UID: 3100.0004, FID: 16.000)\n• Physically Possible - PhysicallyPossibleIndicator (UID: 3100.0006, FID: 16.001)\n• Financially Feasible - FinanciallyFeasibleIndicator (UID: 3100.0003, FID: 16.002)\n• Maximally Productive - MaximallyProductiveIndicator (UID: 3100.0005, FID: 16.003)\n•\n\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use? -\nSiteHighestBestUseIndicator (UID: 3100.0007, FID: 16.004)\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 16 - 1\n\nPage 233\n\nHighest and Best Use Commentary\n\nThe Highest and Best Use Commentary subsection displays when comments are provided. Any commentary must use\nValuationCommentText (UID: 3100.0010, FID: 16.005) and ValuationAnalysisCategoryType (UID: 3100.0011, FID: 16.005) =\n“HighestAndBestUse”.\n\nComments may be provided at the appraiser’s discretion; however, if any of the indicators in the top section are “false” indicating the subject\nproperty’s present use is not the highest and best use, comments are required.\n"}
diff --git a/chunks/json/7441c08f56f3813baa91c56078f993cbed73ec1df250c1b01f7611a2b3c6d159.json b/chunks/json/7441c08f56f3813baa91c56078f993cbed73ec1df250c1b01f7611a2b3c6d159.json
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+{"chunk":{"char_end":13795,"char_start":13305,"chunk_id":"chk_4d99623d3ecfc014","chunk_index":19,"chunk_sha256":"7441c08f56f3813baa91c56078f993cbed73ec1df250c1b01f7611a2b3c6d159","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"7441c08f56f3813baa91c56078f993cbed73ec1df250c1b01f7611a2b3c6d159","token_estimate":435,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"CAP—Captions .................................................................................................................................................... 30\n\nPart 2. Specific Section Details ........................................................................................................................... 32\n\nOverview ....................................................................................................................................................... 32\n"}