Add files using upload-large-folder tool

chunks/json/202e1e310fc252d305c98094e422416105503e385983b5076d02c5ee7184b1e1.json

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+{"chunk":{"char_end":13780,"char_start":12261,"chunk_id":"chk_addf6d89e22c7d45","chunk_index":6,"chunk_sha256":"202e1e310fc252d305c98094e422416105503e385983b5076d02c5ee7184b1e1","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_1f743f9985a9d805","text_sha256":"202e1e310fc252d305c98094e422416105503e385983b5076d02c5ee7184b1e1","token_estimate":413,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Enterprise_Multifamily_Public_Use_Database_Dashboa_imboig.md"]},"text":"##### About\n\n[Multifamily Public Use Database (PUDB)](https://www.fhfa.gov/DataTools/Downloads/Pages/Public-Use-Databases.aspx) The Multifamily Public Use Database (PUDB) contains Enterprise multifamily 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 multifamily properties. This dashboards rolls up information from the Census Track File nationally, and merge 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"}

chunks/json/203ae5c4f9c8b2ce3d1d07628143dc2016939579a3b243d3f455de66f4e443be.json

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chunks/json/203e880ffe47c353b77ff0984e1150cf8872ab50d4689eab995f6bd839b6455e.json

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chunks/json/205a37e170f2a9edc73ecf65d9ea8fcf9f5acbcb8a69d27b6d563392a824fded.json

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+{"chunk":{"char_end":3235,"char_start":1610,"chunk_id":"chk_7f820f2d6d3c2780","chunk_index":1,"chunk_sha256":"205a37e170f2a9edc73ecf65d9ea8fcf9f5acbcb8a69d27b6d563392a824fded","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0eda6969e4a31965","text_sha256":"205a37e170f2a9edc73ecf65d9ea8fcf9f5acbcb8a69d27b6d563392a824fded","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-quick-start-guide.pdf"]},"text":"Edits Matrix (CEM),\nSpecification\nVersion Edits tab.\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks are the property of their respective owners.\n\nDecember 2025\n\n1\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\nChange\n\nDescription\n\nPotential Impact\n\nAdditional\nInformation\n\nNew EXTENSION to\nFEE_DETAIL\n\n▪ A new, GSE-proprietary EXTENSION container\nwith two new data points for collecting fees,\nucd:FeeItemType and\nucd:FeeItemTypeOtherDescription (new fee\nstructure).\n\n▪ Because they are no longer valid, FeeType\nand FeeTypeOtherDescription must be\nmapped to the two new data points in the GSE\nEXTENSION (ucd:FeeItemType and\nucd:FeeItemTypeOtherDescription).\n\n▪ A new ucd namespace, xmlns:ucd, must be\nlocated in the top lines of the UCD XML file.\nThis “namespace” identifies the ucd schema\n(ucd.xsd) holding the EXTENSION and enables\nvalidation of the new fee enumerations. The\ncontainer and data points defined in the ucd.xsd\nfile are distinguished by the prefix “ucd:”.\n\n▪ Wherever documentation or systems refer to\nFeeType and FeeTypeOtherDescription by\nname, these terms need to be replaced by\nucd:FeeItemType and\nucd:FeeItemTypeOtherDescription.\n\n▪ The ucd: namespace is required in addition to\nthe existing MISMO namespace in the UCD\nXML file. Similarly, the ucd.xsd file must be\nlocated in the same directory as the MISMO\nschema files.\n\n▪ UCD v2.0\nProduction\nSchema available\nfrom GSE UCD\nweb sites.\n\n▪ UCD v2.0 Tab 7 -\nUCD v2.0, UID\n0.070. The new\nfee structure\nstarts with UID\n999.700.\n"}

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chunks/json/206e7f1c86340d02786eb2aee6881485adaa41f711f69718647268436754accc.json

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+{"chunk":{"char_end":399077,"char_start":397459,"chunk_id":"chk_f6ee0b82613eee9a","chunk_index":236,"chunk_sha256":"206e7f1c86340d02786eb2aee6881485adaa41f711f69718647268436754accc","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"206e7f1c86340d02786eb2aee6881485adaa41f711f69718647268436754accc","token_estimate":405,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"14 Subject Property Amenities\n\nSubject Property Amenities – Information About Specific Amenities\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n14.004 Detail\n\n14.004 Detail\n\nRequired if there is a\nManufactured Home\non the property and\nSubject Property\nAmenity is Deck,\nGazebo, Porch, or\nPortico\n\nIf applicable for the\nInground Pool,\nInground Spa, or\nSauna\n\nAllowable\nAnswers / Format\n\nYes | No\n\nDefinition / Additional Guidance\n\nAttached to Manufactured Home\nIndicates whether the amenity is permanently affixed to the manufactured\nhome.\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nAmenity Feature\n•\nCaged\n•\nHeated\n•\nIndoor\n•\nOther (Describe)\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities)\n\nThe appraiser must report any significant items pertaining to subject property amenities, and must associate any\ndefect, damage, or deficiency with the most appropriate section. These defects, damages, and deficiencies are\nitems 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\nExample:\n\nAny other items that do not require repair, replacement, inspection, or completion may also be reported using\nthe Recommended Action of None.\n\nReference the appropriate government agency appraisal guidelines for specific requirements.\n"}

chunks/json/20712d4b68cd8a374ab2084eff4e6790d33fc7666e391b438b662c053eb5d41c.json

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chunks/json/2076c7abbb65e400a92315f13fb3676862cab947a405502d5445130a0e2bf92b.json

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chunks/json/2077d50ed6829351ca54737a3be3bb17bf4a27d01c160fdac268fc9af6657727.json

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+{"chunk":{"char_end":270293,"char_start":268695,"chunk_id":"chk_9ab1cd4f94ac082b","chunk_index":154,"chunk_sha256":"207efab32985b67ea3082124060c19f0d43fcefec92d1e439b44027c0235a263","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"207efab32985b67ea3082124060c19f0d43fcefec92d1e439b44027c0235a263","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Figure 97. Rendering Partial Payment Data on the CD.\n\nLoan Disclosures\n\n17.0\n\n17.5 Partial Payments\n\nYour lender\n may accept payments that are less than the full amount due\n\n(partial payments) and apply them to your loan.\n\n may hold them in a separate account until you pay the rest of the payment, and then apply\nthe full payment to your loan.\n does not accept any partial payments.\n\n2. PAYMENT DATA\n\nThe third row of the “Loan Terms” table is the initial periodic “Principal & Interest” (P&I) payment amount that will be\ndue under the terms of the legal obligation. The data point used to represent the P&I payment amount depends on whether\nit is known at the time of consummation. The payment period and allowability of optional payment terms are also provided\nin the PAYMENT container.\n\nFigure 98. Rendering Payment Data on the CD.\n\nLoan Terms\n\n4.0\n\nCan this amount increase after closing?\n\n4.3 Monthly Principal & Interest\n\n4.5.2 NO\n\n4.5.3\n\nThe payment amount that should be provided in the XML file is the initial payment dollar amount unless the payment will\nadjust based upon an external interest rate that is not known at consummation. If the payment amount is not known at\nconsummation, the fully indexed P&I payment amount, calculated using the fully indexed interest rate, must be provided.\nThe following data points would be provided in the XML file when the AmortizationType = “Fixed”.\n\nUCD v2.0 Implementation Guide\n\n- 122 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 99. UCD v2.0 Spec Excerpt - Payment Information Data Requirements.\n\nUCD UID\n"}

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+{"chunk":{"char_end":4752,"char_start":4249,"chunk_id":"chk_ded6b8e4a15a83bd","chunk_index":3,"chunk_sha256":"208169ef9f0f31421b7c28b62a395a94ed1cc3c720480d9a812ee3a792f305a9","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"208169ef9f0f31421b7c28b62a395a94ed1cc3c720480d9a812ee3a792f305a9","token_estimate":465,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Part 1. Design .................................................................................................................................................... 12\n\nGeneral Design .............................................................................................................................................. 12\n\nFont ..................................................................................................................................................................... 12\n"}

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+{"chunk":{"char_end":1747,"char_start":0,"chunk_id":"chk_cdf8c79db90d4bcb","chunk_index":0,"chunk_sha256":"208232d79613df1f16d2e19a2cabe097f22608e73dd72fb2ffe2d71a98f1b5a5","date_utc":"2026-01-27T17:54:29+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_fe39b3067383862d","text_sha256":"208232d79613df1f16d2e19a2cabe097f22608e73dd72fb2ffe2d71a98f1b5a5","token_estimate":533,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHFA_Website_Privacy_Policy___FHFA_f3201s.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/about/fhfa-policies/website-privacy-policy\"\ndate_accessed: \"2026-01-27T17:54:20.580Z\"\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"}

chunks/json/2098900e4a43fa6c0438ffa30ec7555c041fbc100626df6a3428f38ae95edc29.json

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+{"chunk":{"char_end":16648,"char_start":15492,"chunk_id":"chk_2122e4d8322200df","chunk_index":8,"chunk_sha256":"2098900e4a43fa6c0438ffa30ec7555c041fbc100626df6a3428f38ae95edc29","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_34892c2649958e0d","text_sha256":"2098900e4a43fa6c0438ffa30ec7555c041fbc100626df6a3428f38ae95edc29","token_estimate":397,"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":"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"}

chunks/json/2098cc13bfc30368db191d6590fcb04a5126c6b1d52d9bdd505abce82451e4e7.json

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+{"chunk":{"char_end":123090,"char_start":121428,"chunk_id":"chk_4abab2306bd9a95c","chunk_index":150,"chunk_sha256":"2098cc13bfc30368db191d6590fcb04a5126c6b1d52d9bdd505abce82451e4e7","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"2098cc13bfc30368db191d6590fcb04a5126c6b1d52d9bdd505abce82451e4e7","token_estimate":415,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Appendix B-1: URAR Implementation Guide v1.3\n\n• ZIP the contents of the top-level Appraisal directory (folder)\n\nPage 64\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 65\n\nUAD 3.6 XML file\n\n• A well-formed XML file in accordance with the MISMO v3.6 Reference Model.\n\n• The XML must be formatted using UTF-8 encoding.\n\n• The images associated with an appraisal must not be embedded in the XML. Only the metadata about images must be provided in\nthe XML that includes relative path to these images in the .zip file. The metadata about each image is included in an instance of the\nIMAGE container in the UAD 3.6 XML file as specified in the Images section.\n\n• The appraisal report (pdf) must not be embedded in the XML. It must be included in the .zip file as specified above.\n\nAppraisal Report – PDF requirements\n\n• The PDF report included in the .zip file must match the content of the corresponding XML file.\n\n• The appraisal report must be a first-generation/native PDF. For the purposes of the UAD, a first-generation PDF is a PDF file of the\n\nappraisal report that is produced and included in the .zip file by the appraiser’s software vendor before the appraisal is transmitted\nby the appraiser.\n\n• The PDF report included in the .zip file must not be password protected for opening/viewing/printing/page extracting.\n\n• The PDF report in the zip file is not encrypted.\n\n• PDF is not restricted from reading (e.g., no Digital Rights Management (DRM) protections).\n\nImages Folder in the .zip File\n\n• The name of the images folder must be “Images” (case sensitive).\n\n• Each image included in the Images folder of the .zip file must have a unique file name.\n"}

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+{"chunk":{"char_end":58270,"char_start":56440,"chunk_id":"chk_dfe191e6dc0aedb5","chunk_index":33,"chunk_sha256":"209b3179a90a4eb62ab4d7d4fed64f5501760edc0d1c2ec3e18d7257aba1a3dd","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"209b3179a90a4eb62ab4d7d4fed64f5501760edc0d1c2ec3e18d7257aba1a3dd","token_estimate":458,"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":"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 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 28 of 29\nPage 28 of 29\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"}

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+{"chunk":{"char_end":268217,"char_start":266608,"chunk_id":"chk_7cbe2b86637a4f53","chunk_index":141,"chunk_sha256":"20a88e8836d854bb66a182283e57cbd0b191eaa5b7b4f21f7a723b71b124648c","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"20a88e8836d854bb66a182283e57cbd0b191eaa5b7b4f21f7a723b71b124648c","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"PestInspectionFee\n\n@gse:DisplayLabelT\next\n\nPest Inspection Fee\n\nIntegratedDisclosur\neSectionType\n\nServicesBorrowerDi\ndShopFor\n\nRegulationZPointsA\nndFeesIndicator\n\ntrue\n\nFullName\n\nPests Co.\n\nNot Shown –\nATR/QM\n\nROF as “Pest\nInspection Fee”\n\nNot Shown –\nATR/QM\n\nCompany name of\nservice provider\n\n7.7.2\n\nBorrower-Paid At\nClosing ($)\n\n…/FEE/FEE_PAYME\nNTS/FEE_PAYMENT\n\nFeeActualPayment\nAmount\n\n120.50\n\nROF as “120.50”\n\n7.7.2\n\nBorrower-Paid\n\n7.7.2\n\nAt Closing\n\nFeePaymentPaidBy\nType\n\nBuyer\n\nFeePaymentPaidOu\ntsideOfClosingIndic\nator\n\nfalse\n\nSECOND INSTANCE OF FEE\n\nRepresented ono\nform as Borrower-\nPaid heading\n\nRepresented as At\nClosing heading on\nform\n\nN/A - GSE\n\n…/FEE/FEE_DETAIL\n\nFeePaidToType\n\nThirdPartyProvider Not Shown –\n\nUID\n7.074\n\n7.7\n\nTitle-Lender’s\nCoverage Premium\n\n7.7\n\nN/A - XML\n\nATR/QM\n\nROF as “Title-\nLenders Coverage\nPremium”\n\nFeeType\n\nTitleLendersCovera\ngePremium\n\n@gse:DisplayLabelT\next\n\nTitle-Lender’s\nCoverage Premium\n\nIntegratedDisclosur\neSectionType\n\nServicesBorrowerDi\ndShopFor\n\nAppendix E: UCD Implementation Guide\n\nPage 122 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n7.0 Loan Costs Table\n\nTable 97. Services Borrower Did Shop For Line Items\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nUID\n7.071\n\n7.7.1\n\nN/A - GSE\n\nTitle-Lender’s\nCoverage Premium\nto Epsilon Title Co.\n\n…/FEE/FEE_PAID_T\nO/LEGAL_ENTITY/L\nEGAL_ENTITY_DETA\nIL\n\nRegulationZPointsA\nndFeesIndicator\n\nTrue\n\nFullName\n\nEpsilon Title Co\n\nNotes\n\nNot Shown –\nATR/QM\n\nCompany name of\nservice provider\n\n7.7.2\n\nBorrower-Paid\nBefore Closing ($)\n\n…/FEE/FEE_PAYME\nNTS/FEE_PAYMENT\n"}

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+{"chunk":{"char_end":31060,"char_start":29112,"chunk_id":"chk_a847c16cf5cb0883","chunk_index":16,"chunk_sha256":"20b20c523232bb9cf14e5e4c633a4a6101a5af6302a30e409a4fcfdee00a5a75","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"20b20c523232bb9cf14e5e4c633a4a6101a5af6302a30e409a4fcfdee00a5a75","token_estimate":487,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"33 12 CFR 1003.4(a)(4); 24 CFR 1003.2(b)(2).\n34 84 FR at 656.\n35 12 CFR 1003.4(a)(15).\n36 84 FR at 656.\n\nborrower has a direct ownership,\nindirect ownership, or a paid or unpaid\nleasehold interest in the land on which\nthe manufactured home being financed\nwill be sited.37 Freddie Mac indicated\nthat it does not collect this data. Fannie\nMae indicated that it collects data\nshowing direct ownership, indirect\nownership (i.e., a manufactured home\ncooperative), or the presence of a lease\n(i.e., ground rent), but its data cannot\ndiscern whether there is an unpaid\nleasehold. Accordingly, this data\nelement will be added to the PUDB\nSingle-Family Census Tract File but\nwith only the values that conform with\nthe data Fannie Mae collects. It will be\ndisclosed without modification, in\nconformance with the CFPB Privacy\nGuidance.38\n\nApplication Channel: Application\nChannel is a new HMDA data element\npartially collected by the Enterprises\nthat indicates whether the loan\napplication was submitted directly to\nthe party making the credit decision,\nand whether the loan was initially\npayable to that party. Both Enterprises\nindicated that they collect data relating\nto the broker and retail channel that\ncorrespond to HMDA Application\nChannel values.39 The values that\ncorrespond to the HMDA Application\nChannel values will be disclosed in the\nPUDB Single-Family Census Tract File\nwithout modification, in conformance\nwith the CFPB Privacy Guidance.40\nAutomated Underwriting System\n\n(AUS) Name: AUS Name is a new\nHMDA data element collected by the\nEnterprises that discloses the name(s) of\nthe AUS(s) used by the lender to\nevaluate a loan application.41 Both\nEnterprises indicated that they collect\nonly a single AUS name in connection\nwith the AUS(s) used by a lender to\nevaluate a loan application.42\nAccordingly, the Enterprises will report\nthe AUS Name data they possess, and\nthis data will be disclosed without\nmodification in the PUDB Single-Family\n"}

chunks/json/20bacb677287f66e9f57ec4d667a0e5c3f89d3706c3e792f29bea74e806d8549.json

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+{"chunk":{"char_end":1674,"char_start":0,"chunk_id":"chk_06eba6e503d7f10b","chunk_index":0,"chunk_sha256":"20bacb677287f66e9f57ec4d667a0e5c3f89d3706c3e792f29bea74e806d8549","date_utc":"2026-01-27T18:09:42+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4b84687769a9b9b0","text_sha256":"20bacb677287f66e9f57ec4d667a0e5c3f89d3706c3e792f29bea74e806d8549","token_estimate":418,"warnings":["source_path=Assorted/_.pdf/intro_uad_puf_hsug_20240112.pdf"]},"text":"Introduction to the\nUniform Appraisal Dataset (UAD)\nPublic Use File (PUF)\n\nSaty Patrabansh\n\nOffice of Data and Statistics\nDivision of Research and Statistics\n\nPresented at:\nHousing and Statistics Users Group\nJanuary 12, 2024\n\nThe analysis and conclusions are those of the authors alone and should not be represented or interpreted as\nconveying an official Federal Housing Finance Agency position, policy, analysis, opinion, or endorsement.\n\nWhat is UAD?\n\n• Uniform Appraisal Dataset (UAD) is part of the Uniform Mortgage Data\n\nProgram (UMDP®).\n\n• UAD is a standardized industry dataset of appraisal records collected by\n\nappraisers using the Uniform Residential Appraisal Report (URAR).\n\n2\n\nWhat is UAD Public Use File (PUF)?\n\n• First-ever public release of appraisal-level data.\n\n• UAD appraisal-level PUF is a nationally representative 5% random sample of\nsingle-family 1-unit appraisal records of mortgages acquired by Fannie Mae\nand Freddie Mac (the Enterprises) that required traditional appraisals.\n\n• Current coverage:\n\n• Appraisals from 2013 to 2021.\n• 1.37 million records.\n• Set of 37 selected data fields (see next slide).\n• Race and ethnicity of borrowers obtained from the Enterprises’ mortgage\n\ndocuments associated with the UAD records have been added.\n\n• Data in CSV, R, SAS and Stata formats.\n\n• Data dictionary and data documentation is available at\n\nwww.fhfa.gov/UADdata.\n\n• Questions and feedback can be sent to UADdata@fhfa.gov.\n\n3\n\nWhat is in the UAD PUF?\n\nGeneral Information\n• Location:\n\n• State\n• County\n• 2010 Census Tract\n• Mortgage Loan Purpose\n(Purchase/Refinance)\n• Owner Occupancy Status\n• Borrower Race and Ethnicity\n• Neighborhood Housing\n"}

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+{"chunk":{"char_end":10922,"char_start":9309,"chunk_id":"chk_14c6eec072934e09","chunk_index":9,"chunk_sha256":"20bbca32e362c513ef71e62a730d002e2fc8865b202ea5744312055b72f67cb5","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6a5de7e7b0279ba0","text_sha256":"20bbca32e362c513ef71e62a730d002e2fc8865b202ea5744312055b72f67cb5","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-documentation.pdf"]},"text":"3. Universe of UAD Appraisal Records Eligible for UAD\nAppraisal-Level PUF\n\n3a. Overview of Universe for the UAD Appraisal-Level PUF\n\nIn creating the UAD Appraisal-Level PUF, FHFA considered the universe of final appraisals for\nmortgage loans that were either acquired by the Enterprises or insured by FHA. In most instances, a loan\nhas only one appraisal. In other instances, a loan has a second appraisal. However, by design, the UCDP\n\n2 Single family includes detached, attached, or semi-detached structures and associated lots.\n3 There are similar forms for single-unit condominiums, manufactured homes, and small multifamily residential\nincome (rental) properties. However, only single family and condo currently utilize UAD standardization and\nmapping.\n4 Source: https://www.hud.gov/program_offices/housing/sfh/lender/origination/ead\n\nFederal Housing Finance Agency\n\n2\n\nUAD PUF Version 2.1 Data Documentation\n\nand EAD are transactional database systems containing far more appraisal records than the “final”\nappraisals. For the purpose of building the UAD Appraisal-Level PUF, it was important to keep the final\nappraisal(s) for each loan by carefully removing incomplete or out-of-date appraisals.\n\nFHFA staff, in consultation with UAD experts at the Enterprises, developed a protocol to identify the\nfinal appraisal record(s) for each loan. This protocol is described in detail in Appendix 1.\n\nOnce FHFA determined the final appraisal record(s) for each loan, they applied additional criteria for\ninclusion and exclusion. The inclusion and exclusion criteria, also described in Appendix 1, are as\nfollows:\n"}

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+{"chunk":{"char_end":62191,"char_start":60345,"chunk_id":"chk_f0a34d93196ea507","chunk_index":29,"chunk_sha256":"20beb4f2b222cca7ee466d9ec7cfcd1cfa62db542aba24609fe176967d44da1a","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"20beb4f2b222cca7ee466d9ec7cfcd1cfa62db542aba24609fe176967d44da1a","token_estimate":460,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Table 7. UCD v2.0 Spec Excerpt-Complete Street Address Data Requirements.\n\nUCD UID\n\nMISMO v3.3.0 Data\nPoint\n\nDelivered Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/CO\nLLATERALS/COLLATERAL/SUBJECT_PROPERTY/ADDRESS\n\n1.007\n\nAddressLineText\n\n456 Somewhere\nAvenue\n\n1. AddressLineText is mutually\n\nexclusive with\nUnparsedLegalDescription.\n\n1.008\n\nAddressUnitIdentifier\n\n284\n\n1.009\n\n1.011\n\nCityName\n\nPostalCode\n\nAnytown\n\n12345\n\n1.010\n\nStateCode\n\nST\n\n2. Always provide AddressLineText if it\n\nis known.\n\nIf the address does not have a unit\nnumber, do not include this data point\nin the XML file.\n\nValid US format options are either:\nNNNNN or NNNNNNNNN (no dash),\nwhere “N” is a number.\n\nEnter upper case 2-letter state\nabbreviation maintained by the United\nStates Postal Service (USPS). Refer to\nUSPS Publication 28.\n\nN O T E : UCD v2.0 no longer includes AddressUnitDesignatorType in any of the ADDRESS containers.\n\nUCD v2.0 Implementation Guide\n\n- 19 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 9. XML Snippet of Subject Property Address.\n\n<MESSAGE>\n…\n <DEAL>\n\n<COLLATERALS>\n <COLLATERAL>\n\n<SUBJECT_PROPERTY>\n\n<ADDRESS>\n\n<AddressLineText>456 Somewhere Avenue</AddressLineText>\n <AddressUnitIdentifier>284</AddressLineText>\n <CityName>Anytown</CityName>\n <PostalCode>12345</PostalCode>\n <StateCode>ST</StateCode>\n\n</ADDRESS>\n\n…\n</MESSAGE>\n\nb. Legal Description AND Postal Code\n\nIf the address for the subject property has not yet been established, the 5-digit ZIP Code or 9-digit ZIP +4 Code and the\nlegal description of the property must be included in the UCD XML file. The data point UnparsedLegalDescription captures\nthe legal description of the property in a free-form text field to accommodate various representations of the description.\n"}

chunks/json/20ca2781eba014338110ddbd7dcc3fee3e2a19cdab2b1139b15bf8f0fc3689a2.json

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+{"chunk":{"char_end":10826,"char_start":8237,"chunk_id":"chk_f17ce6b626879ae5","chunk_index":5,"chunk_sha256":"20ca2781eba014338110ddbd7dcc3fee3e2a19cdab2b1139b15bf8f0fc3689a2","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"20ca2781eba014338110ddbd7dcc3fee3e2a19cdab2b1139b15bf8f0fc3689a2","token_estimate":1196,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"2023-011 13 Vehicle Storage\n\nClarified display rules for the vehicle storage Detail in the table\n\n2023-001 17 Market\n\nRemoved “Under Review” from Market section\n\n2023-031 17 Market\n\n12/12/2023\n\n1.1\n\nRemoved “Subject Conforms to Surrounding Area,” “Reason,” and\n“Description” from Market section\n\nChanged report label “Market Boundary” to “Market Area Boundary”\n\n2023-018 18 Project Information Updated display rules for Developer/Sponsor in Control row\n\n2023-071 20 Sales Contract\n\nCorrected display rule for Known Sales Concessions\n\n2023-057 23 Rental Information\n\nClarified arcrole details for RENTAL_INFORMATION to\nRENTAL_INFORMATION\n\n2023-017 25 Cost Approach\n\nDefined a valid value for\nReplacementOrReproductionCostAreaTypeOtherDescription of Garage\n\n2023-003 29 Certifications\n\nUpdated Appraiser Certifications 18, 21, 24, and 25\n\nUpdated Supervisory Appraiser Certifications\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 8\n\nDate\n\nVersion Change #\n\niGuide Chapter\n\nRevision Description\n\n12/12/2023\n\n1.1\n\n2023-026\n\nSummary\nSubject Property\nSite\nDwelling Exterior\nUnit Interior\nOutbuilding\nVehicle Storage\nReconciliation\n\nCorrected Report Field IDs:\n\n− SubjectPropertyAmenitiesDefectsExistIndicator\n− SiteDefectsExistIndicator\n− DwellingExteriorDefectsExistIndicator\n− UnitInteriorDefectsExistIndicator\n− OutbuildingDefectsExistIndicator\n− VehicleStorageDefectsExistIndicator\n\n2023-045 Various\n\nClarified requirements when units excluding ADUs are greater than 1\n\n03/29/2023\n\n1.0\n\nInitial Publication\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 9\n\nTable of Contents\n\nRevision History ...................................................................................................................................................................................................................................... 2\nTable of Contents .................................................................................................................................................................................................................................... 9\nIntroduction ........................................................................................................................................................................................................................................... 21\nOverview ............................................................................................................................................................................................................................................... 22\n"}

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+{"chunk":{"char_end":87044,"char_start":85423,"chunk_id":"chk_91b87bc312f256f9","chunk_index":44,"chunk_sha256":"20ce54a5ccf4a2b5c1e8bebd1a767be78dc1a486862263aa060ed3e26ff5711f","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"20ce54a5ccf4a2b5c1e8bebd1a767be78dc1a486862263aa060ed3e26ff5711f","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"UCD v2.0 Implementation Guide\n\n- 31 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 23. Rendering Adjustment Data on the CD Loan Terms Table.\n\nLoan Terms\n\n4.2 Interest Rate\n\n4.0\n\nCan this amount increase after closing?\n\n4.2.1 4.0%\n\n4.2.2 YES\n\n▪ 4.2.3 Adjusts every 3 years starting in year 6\n\n▪ Can go as high as 12% in year 15\n\n.\n\nFigure 24. Rendering Adjustment Data on the CD AIR Table.\n\nAdjustable Interest Rate (AIR) Table\n\n20.0\n\nIndex + Margin\n\nInitial Interest Rate\n\n20.1 SOFR + 2.5%\n\n20.2 4%\n\nMinimum/Maximum Interest Rate\n\n20.3 2.5% Min/12% Max\n\nChange Frequency2\n\nFirst Change\n\n20.4 Beginning of 61st month\n\nSubsequent Change\n\n20.5 Every 36 month after first change\n\nLimits on Interest Rate Changes\n\nFirst Change\n\nSubsequent Change\n\n20.6 2%\n\n20.7 2%\n\nTable 16 illustrates how the same ADJUSTMENT data maps to the information provided in the Loan Terms and AIR Tables.\n\nTable 16. Shared Data Points - Loan Terms and AIR Tables.\n\nLoan Terms Table-Interest Rate (4.2)\n\nUCD v2.0 ADJUSTMENT Data Point\n\nAIR Table\n(20.0)\n\nID (bullet) Form Field Name\n\nID\n\nForm Field Name\n\n4.2.3 (2)\n\nCan go as high as 12%\n\nCeilingRatePercent = “12.0000”\n\n20.3 Maximum Interest Rate 12%\n\n4.2.3 (1) Adjusts starting in year 6\n\nFirstChangeRateMonthsCount = “61”\n\n20.4\n\n4.2.3 (1) Adjusts every 3 years1\n\nAdjustmentRuleType =\n“Subsequent”\nPerChangeRateAdjustmentFrequency\nMonthsCount = “36”\n\n20.5\n\nMax\n\nChange Frequency-First Change\nBeginning of 61st month\n\nChange Frequency–Subsequent\nChange Every 36 months after\nfirst change\n\nKey items to note when working with data points supporting ARMs include:\n"}

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+{"chunk":{"char_end":119318,"char_start":117662,"chunk_id":"chk_3268eb065618af5a","chunk_index":68,"chunk_sha256":"20d15a4685cc9aacc195f3a411d690092afb8cec4a6b113a8928b8ec2fcadde8","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"20d15a4685cc9aacc195f3a411d690092afb8cec4a6b113a8928b8ec2fcadde8","token_estimate":414,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"•\n\nCity, state, and ZIP code\n\nExamples:\n•\n\nFor a single-family attached or detached property:\n\no\n\n123 Oak St, Anytown NY 11111\n\n•\n\nFor a high-rise condo, co-op, or condop:\n\no\n\n123 Oak St, Unit 101, Anytown NY 11111\n\nThe purpose of the address in the appraisal is to identify the location of the\nsubject property. If the subject property address has not been assigned through\nUSPS, another descriptive method for the address line (e.g., Lot and Block)\nmust be provided to indicate the location.\n\n2- to 4-Unit Properties\nPhysical Address represents the address for the entire property.\n•\n\nDo not populate unit number in Physical Address. Unit Identifier is\nincluded in the Unit Interior section (10.002), not here.\nDo not use Alternate Physical Address for one of the units.\n\n•\n\nExamples:\n•\n\nFor a property with one dwelling (100 Main St), where each unit (Units 1-\n4) has a separate address, enter 100 Main St for Physical Address. The\nindividual units would be identified with Unit Identifier (10.002).\nFor a property with two dwellings, each with a separate address (100\nMain St and 102 Main St), enter 100-102 Main St for Physical Address.\n\n•\n\nAppendix F-1: URAR Reference Guide\n\nPage 46 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n03 Subject Property\n\nSubject Property: Address, County, Neighborhood Name\n\nReport\nField ID\n\n3.001\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nAlternate\nPhysical Address\n\nIf applicable\n\nFree-form\n\nDefinition / Additional Guidance\n\nAlternate or “also known as” physical address(es) of the property being\nappraised. This includes any other physical property addresses recognized for\nthe subject property.\n"}

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+{"chunk":{"char_end":79443,"char_start":77806,"chunk_id":"chk_3490854eb4da91c7","chunk_index":46,"chunk_sha256":"20d1dbc1e4cbeb83d5df6a43f242e4ef6a00a92c5de09a241f463e33cda9e25d","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"20d1dbc1e4cbeb83d5df6a43f242e4ef6a00a92c5de09a241f463e33cda9e25d","token_estimate":410,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Level 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\nLevel 1 - Dining Room\n\nLevel 1 - Kitchen\n\nThis is where the Unit B Dining Room photo would display.\n\nThis is where the Unit B Kitchen photo would display.\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2\n\nUniform Residential Appraisal Report\n\nPage 9 of 26\n\nUnit Interior - Building 1 - Unit B (continued)\n\nLevel 1 - Living Room\n\nThis is where the Unit B Living Room photo would display.\n\nUnit Interior - Building 1 - Unit C\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\nLevel and Room Detail\n\n1,190 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\nPhysical Measurement\n\nLevels in Unit\nFloor Number\nOccupancy\nUtilities Separately Metered\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n1\n2\nTenant\nYes\n2\n2\n0\n\nLevel in Unit\nLevel 1\n\nGrade Level Detail\n Above Grade\n\nFinish\nFinished\n\nArea\n1,190 Sq. Ft.\n\nRoom Summary\n2 - Bath - Full\n2 - Bedroom\n1 - Dining Room\n1 - Kitchen\n1 - Living Room\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ4\n\nInterior Condition Rating\n\nC3\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report\n"}

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+{"chunk":{"char_end":9980,"char_start":8350,"chunk_id":"chk_b8ae90cf4b29be07","chunk_index":5,"chunk_sha256":"20dd20fc6ece0132bb0d4ebdf703d0b7a1ca148c3e88c18c75d25cdf6995609c","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"20dd20fc6ece0132bb0d4ebdf703d0b7a1ca148c3e88c18c75d25cdf6995609c","token_estimate":408,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"Description of Zoning Compliance\nProperty Use\n\nPrimarily Residential\nResidential Use\nNon-Residential Use\nNon-Residential Modification\n\nDescription of Non-Residential Use/Modification\n\nH1\n\nSite Influence\n\nInfluence\n\nTCH\nTB\n\nProximity\n\nDetail\n\nImpact\n\nComment\n\nTXC-B\n\nSite Influence Commentary\n\nH2\n\nWater Frontage with Private Access\n\nTXR-B\n\nTotal Linear Measurement\n\nPermanent Waterfront Feature\n\nTXR-B\nTXR-I\n\nRight to Build\n\nFrontage\n\nTCH\nTB\n\nTXC-B\n\nWater Frontage Commentary\n\nName\n\nWaterfront Access Rights\n\nAccess Depth\n\nH1\n\nView and Impact to Value/Marketability\n\nView\n\nTCH\nTB\n\nTXC-B\n\nView Commentary\n\nRange of View\n\nImpact\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\nTXR-B\n\nDwelling/Improvement within\nUtility Easement\n\nPrivate Utility\nImpact\n\nComment\n\nElectricity\n\nGas\n\nSanitary Sewer\n\nWater\n\nH1\n\nTCH\nTB\n\nTB\n\nTXC-B\n\nH1\n\nTXR-B\n\nTCH\nTB\n\nTB\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\nIf more\n\nthan 1\n\nUnit--\n\ndifferent\n\nset up\n\nH1\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"}

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+{"chunk":{"char_end":8474,"char_start":6557,"chunk_id":"chk_63e3d855e38a001e","chunk_index":3,"chunk_sha256":"20ed0409b99709b0d2c93f686caecf5f6d3fc93e4cebc4225c2fb2f820a25562","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"20ed0409b99709b0d2c93f686caecf5f6d3fc93e4cebc4225c2fb2f820a25562","token_estimate":479,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-implementation-guide.pdf"]},"text":" Section 5.3 Appendix C: Fannie Mae XML Samples:\n\no Added Scenario 7. Fannie Mae Fixed-Rate Modification – Whole\n\nLoan Delivery.\n\n Added section (6.8) called Managing Loan Delivery XML File Imports.\n Updated ULDD Mandate date from March 19, 2012 to July 23, 2012.\n Updated the Fannie Mae ULDD implementation date from January 23,\n\n2012 to April 23, 2012.\n\n Updated the URLs for USPS and ISO 3166 standard (International\n\nOrganization for Standardization).\n\n Updated the MISMO hyperlinks and instructions to access the Version 3.0\nCandidate Recommendation 2010-05 Reference Model and associated\nLogical Data Dictionary.\n\n Updated to remove references to initial implementations and refreshed\n\ncontent to make it current.\n\n Updated to include references to extension containers needed for\n\nexpanded HMDA data and ULI data in ULDD Phase 3.\n\n Updated to include support (w ith examples) of extension containers.\n Updated Appendix B references to include expanded/updated test cases.\n Review ed and fixed all links in document.\n Updated to remove references to past implementations\n Updated language around Phase 3 implementation, specifically\n\nresources supporting new requirements.\n\nDecember 20,\n2011\n\nFebruary 21,\n2012\n\n1.0.5\n\n1.0.6\n\nAugust 7, 2015\n\nMarch 28, 2017\n\n2.0.0\n\n3.0.0\n\nJune, 2018\n\n3.0.1\n\n© 2018 Fannie Mae. Trademarks of Fannie Mae.\n\nJune 2018 | 4 of 22\n\n1. Introduction and Purpose\nUnder the direction of Federal Housing Finance Agency (FHFA), Fannie Mae and Freddie Mac, the\ngovernment-sponsored enterprises (the GSEs), have defined and agreed upon a common set of loan\ndelivery data requirements applicable to each GSE’s loan delivery process and business policies. The\nMortgage Industry Standards Maintenance Organization’s (MISMO®) Version 3.0 Reference Model\nserves as the basis for the Uniform Loan Delivery Dataset (ULDD) that Fannie Mae requires for all single-\nfamily loan deliveries.\n"}

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+{"chunk":{"char_end":211251,"char_start":209554,"chunk_id":"chk_d1aa5c3a3cf32b50","chunk_index":118,"chunk_sha256":"20f3c061d1b5ce75f97daf2e26da7eee8781e0c0b748558101782f2d1dabb95c","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"20f3c061d1b5ce75f97daf2e26da7eee8781e0c0b748558101782f2d1dabb95c","token_estimate":425,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"a. ucd:FeeItemType = “LoanDiscountPoints” requires additional data points, must always be delivered and may be\n\ndelivered only once. Must be delivered with FEE_DETAIL/IntegratedDisclosureSectionType = “OriginationCharges”.\n\nb. ucd:FeeItemType = “RecordingFeeForDeed” and “RecordingFeeForMortgage” require a different amount data\npoint (FeeActualTotalAmount) and fewer line item data points; each may be delivered only once. Must be\ndelivered with FEE/DETAIL/IntegratedDisclosureSectionType = “TaxesAndOtherGovernmentFees”.\n\nc. ucd:FeeItemType = “RecordingFeeTotal” may be delivered only once. Must be delivered with\n\nFEE/DETAIL/IntegratedDisclosureSectionType = “TaxesAndOtherGovernmentFees\n\nThe data points corresponding to CD fields are shown in blue, below. The form field IDs are omitted to provide extra space\n\nin the fields.\n\nFigure 67. Rendering Fee Line Item Data on the CD Closing Cost Details Tables.\n\nBorrower-Paid\nFeePaymentPaidByType\nFeePaymentPaidOutsideOfClosingIndicator\n\nSeller-Paid (purchase)\nFeePaymentPaidByType\nFeePaymentPaidOutsideOfClosingIndicator\n\nPaid by\nOthers\nFeePaymentPaidByType\n\nAt Closing\n\nBefore Closing\n\nAt Closing\n\nBefore Closing\n\n$\n\nFEE_PAYMENT\n“Buyer” + “false” +\nFeeActualPayment\nAmount\n\nFEE_PAYMENT\n“Buyer” + “true” +\nFeeActualPayment\nAmount\n\nFEE_PAYMENT\n“Seller” + “false” +\nFeeActualPayment\nAmount\n\nFEE_PAYMENT\n“Seller” + “true” +\nFeeActualPayment\nAmount\n\nFEE_PAYMENT\n\n“Lender” or\n“ThirdParty” +\nFeeActualPaymentAm\nount\n\nLoan Costs/Other\nCosts\n\n7.0/8.0\n\nA | B | C | E | H\nFEE_DETAIL\nucd:FeeItemType + FeePaidTo\nType + IntegratedDisclosure\nSectionType + RegulationZPoints\nAndFees Indicator (not on CD)\nFEE_PAID_TO/LEGAL_ENTITY_LE\nGAL_ENTITY_DETAIL\n FullName\n"}

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+{"chunk":{"char_end":182383,"char_start":180780,"chunk_id":"chk_08dbdf93f628e6a2","chunk_index":106,"chunk_sha256":"210698eae9a18a2250235d3d79b90739e142925fac601cab0b540e0559676f4b","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"210698eae9a18a2250235d3d79b90739e142925fac601cab0b540e0559676f4b","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Lava Flow Zone: Defined by the United States Geological Survey to identify the\nmost dangerous Lava Flow Zone in which the property, in whole or in part, is\nlocated.\nNote: If the property is in multiple Lava Flow Zones, report the most severe\nrating, and note the other Lava Flow Zones in Hazard Zone Comment.\n\n4.048\n\nHazard Zone\n(Impact)\n\nRequired if property is\nin a hazard zone\n\nAdverse,\nBeneficial, or\nNeutral\n\nAppendix F-1: URAR Reference Guide\n\nPage 71 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nSite: Site Features - Hazard Zone\n\nReport\nField ID\n\n4.049\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nHazard Zone\n(Comment)\n\nRequired if Impact is\nAdverse, or as needed\n\nFree-form\n\nDefinition / Additional Guidance\n\nHazard Zone Comment\nWhen Adverse, describe the impact to value and / or marketability.\nAdditional commentary may be provided to include details and other\ninformation.\n\nProperty Restriction\n\nThe appraiser must identify property restrictions or encumbrances affecting the subject property in this\nsubsection. Restrictions are identified using the most appropriate description from the list provided. If there are\nmultiple restrictions, choose all that apply.\n\nThere is one row in the Site Features table for each Property Restriction. If there are no property restrictions,\nthis row does not display.\n\nSite: Site Features - Property Restriction\n\nReport\nField ID\n\n4.050\n4.051\n\nReport Label\n\nWhen to Include\n\nIf applicable\n\nProperty\nRestriction\n(Detail)\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from\ntable (Property\nRestriction)\n\n4.052\n"}

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+{"chunk":{"char_end":9958,"char_start":8625,"chunk_id":"chk_546681e506e72b7d","chunk_index":5,"chunk_sha256":"2113feb5b89cd46488fcf1356c588e337e7dd42df2a6d03cc9cb49126be532c8","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_bfd7916d514b0861","text_sha256":"2113feb5b89cd46488fcf1356c588e337e7dd42df2a6d03cc9cb49126be532c8","token_estimate":421,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Borrower_Assistance_Map___FHFA_h1qq38.md"]},"text":"var divElement = document.getElementById('viz1687962216289'); var vizElement = divElement.getElementsByTagName('object')[0]; if ( divElement.offsetWidth > 800 ) { vizElement.style.width='1100px';vizElement.style.height='800px';} else if ( divElement.offsetWidth > 500 ) { vizElement.style.width='1100px';vizElement.style.height='800px';} else { vizElement.style.width='100%';vizElement.style.height='800px';} var scriptElement = document.createElement('script'); scriptElement.src = 'https://public.tableau.com/javascripts/api/viz_v1.js'; vizElement.parentNode.insertBefore(scriptElement, vizElement);\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"}

chunks/json/2114c38f83a6959dc58806c88890fc23dc8e56f5f08c396d67139ae9c6640658.json

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chunks/json/212408e7eb7df535fe8e6c9d7e5bac28a3f5eff001ea83741ae87b1f46acd376.json

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+{"chunk":{"char_end":494166,"char_start":492549,"chunk_id":"chk_289778f03fd9595b","chunk_index":285,"chunk_sha256":"212408e7eb7df535fe8e6c9d7e5bac28a3f5eff001ea83741ae87b1f46acd376","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"212408e7eb7df535fe8e6c9d7e5bac28a3f5eff001ea83741ae87b1f46acd376","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Condition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nCondition Comment\nNo damage or condition\nissues noted\n\nNo damage or condition\nissues noted\n\nNo damage or condition\nissues noted\n\nApparent Defects, Damages, Deficiencies (Unit Interior - Standalone ADU - Cottage)\n\nNone\n\nUnit Interior Commentary\n\nThe ADU was built out within the past 5-10 years with standard builder grade materials that are typical for accessory units in this market. The\nunit has been well maintained with no apparent defects, damages, or deficiencies.\n\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 12 of 23\n\nUnit Interior - Standalone ADU - Cottage (continued)\n\nUnit Interior Exhibits\n\nLevel 1 - Bath - Full\n\nLevel 1 - Kitchen\n\nThis is where the ADU Bath photo would display.\n\nThis is where the ADU Kitchen photo would display.\n\nLevel 1 - Living Room\n\nThis is where the ADU Living Room photo would display.\n\nVehicle Storage\n\nStorage\nCarport\n\nDriveway\n\nGarage\n\nNumber of Parking Spaces\n2\n\n4\n\n2\n\nDetail\nDetached\n400 Sq. Ft.\n\nAsphalt\n\nAttached\n528 Sq. Ft.\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\nNone\n\nVehicle Storage Exhibits\n\nCarport\n\nDriveway - Garage\n\nThis is where the Carport photo would display.\n\nThis is where the Garage photo would display.\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"}

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+{"chunk":{"char_end":196152,"char_start":194480,"chunk_id":"chk_66d79495e9a09dc2","chunk_index":114,"chunk_sha256":"212d1219c6872cc022b5f7bae685775e4ac71cbb9e3c03b23bf1b39653fb2a4f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"212d1219c6872cc022b5f7bae685775e4ac71cbb9e3c03b23bf1b39653fb2a4f","token_estimate":418,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Refer to Appendix E for PDF Rendering and Parsing Instructions.\n\nAt least one but no more than two values are\nrequired.\n\nR\n\nR\n\nR\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 51 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\n255\n\n2\n\ne-16\n\nSALES\nCOMPARISON\nAPPROACH\n\nLocation\n\nGSE Location Type\nOther Description\n\nText entry when 'Other' is selected as\nLocation Type.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/C\nOMPARISON_LOCATION_DETAIL_EXTEN\nSION/COMPARISON_LOCATION_DETAIL_\nEXTENSION_SECTION[@ExtensionSectionOr\nganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_LOCATION_DE\nTAIL_EXTENSION_SECTION_DATA/COMP\nARISON_LOCATION_DETAIL[@GSELocatio\nnType='Other']/@GSELocationTypeOtherDescri\nption\n\n20\n\nString\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nIf a location factor not on the list materially affects the value of the property,\nthe appraiser must select 'Other' and enter a description of the location\nassociated with the property. Free-form descriptions should be entered\ncarefully because data will be truncated on the appraisal report form if it\nexceeds available space for that field.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nThis field is required if the value of field e-15\n(GSE Location Type) is 'Other'.\n"}

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+{"chunk":{"char_end":392470,"char_start":390864,"chunk_id":"chk_a0f843a8bbb56159","chunk_index":232,"chunk_sha256":"2141648fd5f3810b59d7f66e41f9d7e9b95dd64fcb8430fbc4cff81c2a095744","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"2141648fd5f3810b59d7f66e41f9d7e9b95dd64fcb8430fbc4cff81c2a095744","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"14.002\n\nSubject Property\nAmenity\n\nThere must be at least\none amenity and\ncategory if Property\nAmenities Exist is Yes\n\nChoose one or\nmore allowable\nanswers from\ntable (Property\nAmenities and\nCategories)\n\nChoose one or\nmore allowable\nanswers from\ntable (Property\nAmenities and\nCategories)\n\nDefinition / Additional Guidance\n\nProperty Amenities Exist\nIndicates whether the property has amenities, excluding those attributable to\nthe project, waterfront improvements, or site characteristics/view.\n•\n\nIf No, “None” displays.\n\nProperty Amenity Category: A high-level category in which the identified\namenity is grouped. Each amenity is associated with a specific Property Amenity\nCategory.\n•\nOutdoor Accessories\n•\nOutdoor Living\n• Water Features\n• Whole Home\n• Miscellaneous\n\nAmenity Type: A service, feature or facility available to residents and / or guests\nof a property.\n\nNote: Photos or images may be provided for each Subject Property Amenity,\nwhich display in Subject Property Amenity Exhibits with the Amenity Type. An\nadditional caption may be provided.\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nSubject Property Amenities and Categories (Choose all that apply)\n\nFence\n\nA structure or barrier designed to enclose an area of the site.\n\nIrrigation System\n\nA water system designed to hydrate the lawn and / or other outdoor plants.\n\nOutdoor Fireplace\n\nA self-contained structure located outside that is used to accommodate a fire.\n\nProperty Amenity Category: Outdoor Accessories\n\nOutdoor Kitchen\n\nA permanent outdoor area designed and equipped to be used for the preparation and cooking of food.\n"}

chunks/json/21598c184ff5bfade4c67cc824cdcbabcb021699c8c2f2b6d267085f32e7c6bb.json

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chunks/json/2162ffd70971eb60580e49d3e298a475ad23c7ca0938bb11e5109439d2dbd6fa.json

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+{"chunk":{"char_end":101926,"char_start":100290,"chunk_id":"chk_dcdba511672fd096","chunk_index":60,"chunk_sha256":"2162ffd70971eb60580e49d3e298a475ad23c7ca0938bb11e5109439d2dbd6fa","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"2162ffd70971eb60580e49d3e298a475ad23c7ca0938bb11e5109439d2dbd6fa","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Similar\n\nAmenities\n\nSummary\n\nRent Per Finished Area\n\nActual Rent\n\nAdjusted Rent\n\nOpinion of\nMarket Rent\n\nBalcony\n\nBalcony\n\nNone\n\nBalcony\n\nBalcony\n\nBalcony\n\nNone\n\nBalcony\n\n$2.10\n\n$2,500\n\n$2,600\n\n$2.25\n\n$2,700\n\n$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\n$2.18\n\n$2,600\n\n$2,600\n\n$2.25\n\n$2,700\n\n$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 20242- to 4-Unit Scenario 2\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"}

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+{"chunk":{"char_end":335,"char_start":0,"chunk_id":"chk_80577c189cd9c66f","chunk_index":0,"chunk_sha256":"2165493dc9112eb189e7dda9ee2351b30db946d9bd44c48bf9f25aaee485fa2d","date_utc":"2026-01-27T17:45:43+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2b9fbe54785230c2","text_sha256":"2165493dc9112eb189e7dda9ee2351b30db946d9bd44c48bf9f25aaee485fa2d","token_estimate":100,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_wynn6.md","below_target_min_tokens"]},"text":"---\nsource_url: \"https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset#uad-announcements\"\ndate_accessed: \"2026-01-27T17:45:43.140Z\"\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"}

chunks/json/2166f385cca88460a8d797ab938ab8efd64d6715ab4ec5b6b9d885119656077f.json

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+{"chunk":{"char_end":267845,"char_start":265985,"chunk_id":"chk_444a397b3dbe902c","chunk_index":154,"chunk_sha256":"2166f385cca88460a8d797ab938ab8efd64d6715ab4ec5b6b9d885119656077f","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"2166f385cca88460a8d797ab938ab8efd64d6715ab4ec5b6b9d885119656077f","token_estimate":465,"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 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1)\n\nUniform Residential Appraisal Report\n\nPage 18 of 18\nPage 18 of 18\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"}

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+{"chunk":{"char_end":45349,"char_start":43676,"chunk_id":"chk_0a490bb40f0f2934","chunk_index":22,"chunk_sha256":"216bfc72a84f41fad68bcb75f2410554ce9ef0964ec65fe1bee19b45d9e94e3f","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bc0c11220168b9d2","text_sha256":"216bfc72a84f41fad68bcb75f2410554ce9ef0964ec65fe1bee19b45d9e94e3f","token_estimate":418,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2011-24791 (1).pdf"]},"text":"Whereas, additional technical revisions to\n\ncertain data fields in the single-family and\nmultifamily matrices of the PUDB are\nnecessary in order to conform the data fields\nto existing PUDB reporting practices;\n\nNow, Therefore, it is hereby ordered\n\nas follows:\n\n1. The matrices in FHFA’s PUDB are\n\nrevised, as set forth in the attached Appendix\nwhich is incorporated herein by reference, to\ninclude: (a) A new single-family National\nFile C containing new data fields applicable\nto 2010 and subsequent years for the high-\ncost securitized single-family loan data; and\n(b) revised data fields in the single-family\nand multifamily matrices applicable to 2010\nand subsequent years to conform to changes\nmade by HERA and existing PUDB reporting\npractices;\n\n2. The Enterprises shall provide FHFA\nwith the mortgage data required to populate\nthe data fields described in the revised\nsingle-family and multifamily matrices in the\nAppendix; and\n\n3. This Order modifies the FHFA Order of\n\nJuly 1, 2010 (75 FR 41180, 41189 (July 15,\n2010)) and shall be effective until such time\nas FHFA determines that it is necessary and/\nor appropriate to withdraw or modify it.\n\nSigned at Washington, DC, this 21st day of\n\nSeptember, 2011.\nEdward J. DeMarco,\nActing Director, Federal Housing Finance\nAgency.\n\nDated: September 21, 2011.\n\nEdward J. DeMarco,\nActing Director, Federal Housing Finance\nAgency.\n\nBILLING CODE 8070–01–P\n\nVerDate Mar<15>2010 18:20 Sep 27, 2011 Jkt 223001 PO 00000 Frm 00040 Fmt 4703 Sfmt 4703 E:\\FR\\FM\\28SEN1.SGM 28SEN1\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n1\nN\nV\nT\nP\nS\n5\nK\nS\nD\nn\no\n\ns\nt\nr\ne\nb\no\nr\ns\n\nFederal Register / Vol. 76, No. 188 / Wednesday, September 28, 2011 / Notices\n"}

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+{"chunk":{"char_end":18084,"char_start":11112,"chunk_id":"chk_f9862d670a55a377","chunk_index":7,"chunk_sha256":"2182b577c2414b7b96bceb1e157be899f9627028bff8a532dcca7c6a9e3341bc","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_efbba269affa1f3f","text_sha256":"2182b577c2414b7b96bceb1e157be899f9627028bff8a532dcca7c6a9e3341bc","token_estimate":1127,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fannie_Mae_and_Freddie_Mac_Multifamily_Businesses__bou0b.md"]},"text":"[Undated Arbor Commercial Mortgage](/sites/default/files/2023-03/arbor_sommercial_mortgage.pdf)\n[Undated Bridge Capital Partners](/sites/default/files/2023-02/bridge_capital_partnerss.pdf)\n[Undated](/sites/default/files/2023-03/arbor_sommercial_mortgage.pdf)[CBRE Capital Markets](/sites/default/files/2023-03/cbre.pdf)\n[Undated](/sites/default/files/2023-03/arbor_sommercial_mortgage.pdf)[H and H Homes](/sites/default/files/2023-02/h_and_h_homes.pdf)\n[Undated](/sites/default/files/2023-03/arbor_sommercial_mortgage.pdf)[Martell & Associates](/sites/default/files/2023-02/martellandassociates.pdf)\n[Undated](/sites/default/files/2023-03/arbor_sommercial_mortgage.pdf)[Sonoma Housing Advisors](/sites/default/files/2023-03/sonoma_housing_advisors.pdf)\n[Undated](/sites/default/files/2023-03/arbor_sommercial_mortgage.pdf)[Washington State Housing Finance Corporation (WSHFC)](/sites/default/files/2023-03/wshfc.pdf)\n[8/16/2013 Northmarq Capital](/sites/default/files/2023-03/northmarq_capital.pdf)\n[9/1/2013 Louisiana Community Reinvestment Coalition](/sites/default/files/2023-03/louisiana_community_reinvestment_coalition.pdf)\n[9/5/2013 PPM Finance](/sites/default/files/documents/PPM_Finance.pdf)\n[9/9/2013 BRE Properties](/sites/default/files/2023-04/BRE_Properties.pdf)\n[9/9/2013 McDougal Companies](/sites/default/files/2023-03/mcdougal_companies.pdf)\n[9/12/2013 Southern Management](/sites/default/files/2023-04/Southern_Management.pdf)\n[9/19/2013 CWS Capital Partners](/sites/default/files/2023-04/CWS_Capital_Partners.pdf)\n[9/19/2013 Paragus Group](/sites/default/files/2023-03/paragus_group.pdf)\n[9/19/2013 Pollock Shores Real Estate Group](/sites/default/files/2023-03/pollack_shore_real_estate_group.pdf)\n[9/20/2013 Pinnacle](/sites/default/files/2023-03/pinnacle_letter_9-20-2013.pdf)\n[9/24/2013 Gables](/sites/default/files/2023-04/Gables_Letter_to_FHFA_9-24-13.pdf)\n[9/25/2013 Highridge Costa Investments](/sites/default/files/2023-03/high_ridge_costa_investors.pdf)\n[9/25/2013 Wells Fargo Multifamily Capital (WFMC)](/sites/default/files/2023-03/wells_fargo_multifamily_capital_wfmc.pdf)\n[9/27/2013 Federal Home Loan Bank of New York](/sites/default/files/2023-04/Federal_Home_Loan_Bank_of_New_York.pdf)\n[9/30/2013 AGPM](/sites/default/files/2023-04/AGPM.pdf)\n[9/30/2013 Aukum Management](/sites/default/files/2023-04/Aukum_management.pdf)\n[10/8/2013 American Bankers Association et al.](/sites/default/files/2023-03/american_bankers_association_aba_et._al.pdf)\n[10/1/2013 hmi Property Solutions](/sites/default/files/2023-04/hmi_Property_Solutions_Inc_.pdf)\n[10/1/2013 Waterton Associates](/sites/default/files/2023-03/waterton_assoc_.pdf)\n[10/1/2013 Westdale Real Estate Investment & Management](/sites/default/files/2023-03/westdale_real_estate_investment_and_management.pdf)\n[10/2/2013 Legacy Partners](/sites/default/files/documents/Legacy_Partners.pdf)\n[10/3/2013 The CT Group](/sites/default/files/2023-03/the_ct_group.pdf)\n[10/4/2013 American Seniors Housing Association (ASHA)](/sites/default/files/2023-03/american_senior_housing_association_asha.pdf)\n[10/4/2013 Amerisphere](/sites/default/files/2023-03/amerisphere.pdf)\n[10/4/2013 Brightview Senior Living](/sites/default/files/2023-02/bridge_capital_partnerss.pdf)\n[10/4/2013 DUS Peer Group](/sites/default/files/2023-04/DUS_Peer_Group.pdf)\n[10/4/2013 GID Investment Advisors](/sites/default/files/2023-02/gid_investment_adviisors.pdf)\n[10/4/2013 National Association of Home Builders (NAHB)](/sites/default/files/2023-03/national_association_of_home_builders_nahb.pdf)\n[10/7/2013 Berkadia](/sites/default/files/2023-03/berkadia.pdf)\n[10/7/2013 Brookdale Senior Living](/sites/default/files/2023-04/Brookdale_Senior_Living.pdf)\n[10/7/2013 Capital Senior Living](/sites/default/files/2023-04/Capital_Senior_Living.pdf)\n[10/7/2013 Centerline Capital Group](/sites/default/files/documents/Centerline_Capital_Group.pdf)\n[10/7/2013 era living](/sites/default/files/2023-03/era_living.pdf)\n[10/7/2013 John M.\n"}

chunks/json/21856ea0d1211affd7a8bcaab2e7476248f23c3e9163b705181ef8d77a1bd199.json

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+{"chunk":{"char_end":389578,"char_start":387884,"chunk_id":"chk_59260a0db51fb4e3","chunk_index":224,"chunk_sha256":"21856ea0d1211affd7a8bcaab2e7476248f23c3e9163b705181ef8d77a1bd199","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"21856ea0d1211affd7a8bcaab2e7476248f23c3e9163b705181ef8d77a1bd199","token_estimate":424,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"1 - Bath - Full\n1 - Bedroom\n1 - Dining Room\n1 - Family Room\n1 - Kitchen\n1 - Office\n\n2 - Bath - Full\n4 - Bedroom\n1 - Laundry Room\n\nLevel 2\n\nAbove Grade\n\nFinished\n\n1,532 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\nKitchen\nLevel 1\n\nBath - Full\nLevel 2\n\nBath - Full\nLevel 1\n\nBath - Full\nLevel 2\n\nBath - Half\nLevel B1\n\nUpdate Status\nNot Updated\n\nTime Frame\n\nNot Updated\n\nNot Updated\n\nNot Updated\n\nQuality Comment\nCorian Countertops,\nDouble Oven,\nHardwood floors.\n\nDouble Sink with\nseparate shower and\nextra-large tub, ceramic\nflooring.\n\nCondition Status\nTypical Wear and Tear\n\nCondition Comment\n\nTypical Wear and Tear\n\nCeramic flooring.\n\nTypical Wear and Tear\n\nCeramic flooring.\n\nTypical Wear and Tear\n\nFully Updated\n\n5–10 years\n\nCeramic flooring.\n\nTypical Wear and Tear\n\nHalf bath newer than\nrest of house.\n\nOverall Update Status for\nBathrooms\n\nModerately Updated\n\nInterior Features\n\nFeature\nFlooring\n\nDetail\nCarpet\n\nQuality Comment\nThroughout all bedrooms\nand living areas.\n\nCondition Status\nDamaged and Functional\n\nCondition Comment\nOriginal carpet, stained in\none corner in the Dining\nRoom.\n\nWalls and Ceiling\n\nCeramic Tile\n\nEngineered Wood\n\nAll baths.\n\nThroughout finished below\ngrade area.\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nHardwood\n\nKitchen and Hallways.\n\nTypical Wear and Tear\n\n8 Ft. | 9 Ft. | 10 or more feet |\n2 or more stories | Cathedral |\nCoffered | Flat\n\nCathedral ceiling in bedroom,\n2 story family room, coffered\nceiling in media room. 9 foot\nceiling in 1st level.\n"}

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+{"chunk":{"char_end":556777,"char_start":555313,"chunk_id":"chk_4ed9ab5ab770ce33","chunk_index":321,"chunk_sha256":"218dc775a0062fee8289ad5eb9467f3029c08edaeb49c0e77d41055c2693c5d4","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"218dc775a0062fee8289ad5eb9467f3029c08edaeb49c0e77d41055c2693c5d4","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"76\n\nDetached\n\nLeasehold\n\n$1,200\n\nUnknown\n\n04/01/2019\n\n08/01/2019\n\n94\n\nDetached\n\nLeasehold\n\n$1,000\n\n14,000 Sq. Ft.\n\n19,600 Sq. Ft.\n\n$(30,000)\n\n9,000 Sq. Ft.\n\n$30,000\n\n14,500 Sq. Ft.\n\nStreet Type | Surface\n\nLocal Road | Asphalt\n\nLocal Road\n| Asphalt\n\nLocal Road\n| Asphalt\n\nLocal Road |\nConcrete\n\nView | Range\n\nResidential | Full\n\nResidential | Full\n\nMountain | Full\n\n$(40,000)\n\nResidential | Full\n\nDwelling(s)\n\nYear Built\n\nDwelling Style\n\nHeating\n\n1979\n\nColonial\n\n1989\n\nColonial\n\n$0\n\n1984\n\nColonial\n\n$0\n\n1978\n\nColonial\n\nForced Warm Air | Electric\n\nForced Warm Air\n\nForced Warm Air\n\nForced Warm Air\n\nEnergy Efficient And Green Features\n\nRenewable Energy\nComponent\n\nEfficiency Rating\n\nSolar\n\nHERS | 65\nHome Energy Score | 7\n\n$0\n\nNone\n\nNone\n\nSolar\n\nHERS | 65\nHome Energy Score | 8\n\nUnit(s)\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\nUnfinished Area\nBelow Grade\n\nLocation of ADU\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\n5\n\n3 | 1\n\n5\n\n3 | 1\n\n5\n\n3 | 1\n\n3\n\n$0\n\n2 | 1\n\n$20,000\n\n3,304 Sq. Ft.\n\n3,228 Sq. Ft.\n\n$0\n\n3,562 Sq. Ft.\n\n$(20,640)\n\n3,256 Sq. Ft.\n\n$0\n\n640 Sq. Ft.\n\n616 Sq. Ft.\n\n1,000 Sq. Ft.\n\n$(14,400)\n\n1,000 Sq. Ft.\n\n$(14,400)\n\n1,200 Sq. Ft.\n\n$(22,400)\n\n614 Sq. Ft.\n\n$0\n\n200 Sq. Ft.\n\n$2,700\n\n428 Sq. Ft.\n\n$3,760\n\nDwelling\n\nDwelling\n\nDwelling\n\nADU/Garage\n\n$0\n\n1\n\n1 | 0\n\n0 Sq. Ft.\n\n704 Sq. Ft.\n\n1\n\n1 | 0\n\n1\n\n1 | 0\n\n1\n\n1 | 0\n\n500 Sq. Ft.\n\n$(30,000)\n\n0 Sq. Ft.\n\n625 Sq. Ft.\n\n$(37,500)\n"}

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+{"chunk":{"char_end":13655,"char_start":11976,"chunk_id":"chk_8248e51a1987cc67","chunk_index":7,"chunk_sha256":"218fc4b6ce763f3212cda552bddb9f17a7597854383557d5bb8408d14c91aee4","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_874d0463a2fa2d83","text_sha256":"218fc4b6ce763f3212cda552bddb9f17a7597854383557d5bb8408d14c91aee4","token_estimate":420,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Guarantee_Fees_History___FHFA_hq9o1.md"]},"text":"Read the latest reports: [Single Family Guarantee Fee Reports](/reports/single-family-guarantee-fees) and [State-Level Guarantee Fee Analysis](/reports/single-family-guarantee-fees/state-level-guarantee-fee-analysis).\n\n## FHFA Request for Input\n\nOn December 9, 2013, the Federal Housing Finance Agency (FHFA) announced proposed increases to guarantee fees (g-fees) that Fannie Mae and Freddie Mac (the Enterprises) charge lenders. The Enterprises receive these fees in return for providing a credit guarantee to ensure the timely payment of principal and interest to investors in Mortgage Backed Securities (MBS) if the borrower fails to pay. The MBS, in turn, are backed by mortgages that lenders sell to the Enterprises.\n\nThe proposed changes included an across-the-board 10 basis point increase, an adjustment of up-front fees charged to borrowers in different risk categories and elimination of the 25 basis point Adverse Market Charge for all but four states. On January 8, 2014, Director Melvin L. Watt suspended implementation of these changes pending further review. As part of that review, FHFA solicited input on guarantee fees. Deadline for input closed September 8, 2014.\n\n- ​[Link to news release announcing the Request for Input](/news/news-release/fhfa-seeks-input-on-fannie-mae-and-freddie-mac-guarantee-fees) (6/5/2014)​\n- [Link to the Request for Input](/sites/default/files/documents/GfeeRFI060514F.pdf)\n- [Link to View Input Received](/public-input/guarantee-fees)​ - submission period now closed\n- [Link to news release extending deadline for input](/news/news-release/fhfa-extends-deadline-for-g-fee-input-to-september-8) (7/29/2014)\n## Guarantee Fee Review\n"}

chunks/json/219e6ccbfc6fd74b0e53bfc13982e248ebe5d7e5b614393bb57590294dd727f2.json

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+{"chunk":{"char_end":30901,"char_start":29230,"chunk_id":"chk_85016f400f305ac9","chunk_index":17,"chunk_sha256":"219e6ccbfc6fd74b0e53bfc13982e248ebe5d7e5b614393bb57590294dd727f2","date_utc":"2026-01-27T18:31:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_47c3ba41d05a3989","text_sha256":"219e6ccbfc6fd74b0e53bfc13982e248ebe5d7e5b614393bb57590294dd727f2","token_estimate":418,"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":"Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 18 of 19\nPage 18 of 19\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"}

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+{"chunk":{"char_end":15626,"char_start":10037,"chunk_id":"chk_c034ab38e344fcf3","chunk_index":6,"chunk_sha256":"21b1e1a0e4f1147560484c75e134ee337107c8f2607d90c0bb02183fa833c488","date_utc":"2026-01-27T17:48:05+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_3b7f88a3424740b5","text_sha256":"21b1e1a0e4f1147560484c75e134ee337107c8f2607d90c0bb02183fa833c488","token_estimate":1048,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Foreclosure_Prevention__Refinance__and_FPM_Report__f3nmdo.md","exceeds_max_chunk_chars_truncated"]},"text":"[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/296&order=field_release_date&sort=asc) Report Attachment January 22, 2026 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - October 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/10) [Read Report](/document/FPR-FPM-Report-October-2025.pdf) December 23, 2025 [Foreclosure Prevention, Refinance, and FPM Report - 3Q2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/Q3) [Read Report](/document/FPRR_3Q2025.pdf) November 03, 2025 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - August 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/8) [Read Report](/document/FPR-FPM-Report-August-2025.pdf) October 09, 2025 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - July 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/7) [Read Report](/document/FPR-FPM-Report-July-2025.pdf) September 18, 2025 [Foreclosure Prevention, Refinance, and FPM Report - 2Q2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/Q2) [Read Report](/document/foreclosure-prevention-refi-fpm-report-2q2025) August 12, 2025 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - May 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/5) [Read Report](/document/FPR-FPM-Report-May-2025.pdf) July 24, 2025 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - April 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/4) [Read Report](/document/FPR-FPM-Report-April-2025.pdf) June 26, 2025 [Foreclosure Prevention, Refinance, and FPM Report - 1Q2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/Q1) [Read Report](/document/FPRR_1Q2025.pdf) May 30, 2025 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - February 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/2) [Read Report](/document/FPR-FPM-Report-February-2025.pdf) April 23, 2025 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - January 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/1) [Read Report](/document/FPR-FPM-Report-January-2025.pdf) April 03, 2025 [Foreclosure Prevention, Refinance, and FPM Report - 4Q2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/Q4) [Read Report](/document/fprr_4q2024.pdf) February 11, 2025 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - November 2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/11) [Read Report](/document/FPR-FPM-Report-November-2024.pdf) January 23, 2025 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - October 2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/10) [Read Report](/document/FPR-FPM-Report-October-2024.pdf) December 19, 2024 [Foreclosure Prevention, Refinance, and FPM Report - 3Q2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/Q3) [Read Report](/document/FPRR_3Q2024.pdf) November 12, 2024 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - August 2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/8) [Read Report](/document/foreclosure-prevention-refinance-and-fpm-report-august-2024) October 17, 2024 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - July 2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/7) [Read Report](/document/foreclosure-prevention-refinance-and-fpm-report-july-2024) September 24, 2024 [Foreclosure Prevention, Refinance, and FPM Report - 2Q2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/Q2) [Read Report](/document/foreclosure-prevention-refi-fpm-report-2q2024) August 14, 2024 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - May 2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/5) [Read Report](/document/foreclosure-prevention-refi-and-fpm-report-may-2024) July 23, 2024 [Fore\n"}

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+{"chunk":{"char_end":28845,"char_start":27081,"chunk_id":"chk_e008032eb967de2c","chunk_index":15,"chunk_sha256":"21c0c8655bc4fc0b474ff48796f79c9ffc079df484273e63f56191b9580bb230","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"21c0c8655bc4fc0b474ff48796f79c9ffc079df484273e63f56191b9580bb230","token_estimate":441,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"04 New Observed Items for Repair\n\nThe New Observed Items for Repair section displays a list of additional repairs observed during the completion\ninspection.\n•\n•\n\nIf there are no newly-observed items, the section does not display.\nIf needed, use Completion Report Commentary (06.001) to show resolution of these items.\n\nCompletion Report - New Observed Items for Repair\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n04.001\n\nFeature\n\nRequired for each new\nobserved item\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nExterior Walls and Trim\nFlooring\nFoundation\n\n•\n•\n•\n• Mechanical Systems\n•\n• Walls and Ceiling\n• Windows\n•\n\nOther (Describe)\n\nRoof\n\nSee\niGuide\n\nN/A\n\nRequired for each new\nobserved item\n\nPhoto\n\nPhoto(s) of the new observed item must be provided, which display in\nCompletion Report Exhibits as “New Observed Items for Repair” with the\nindicated Feature. A caption may be provided to further describe the photo.\n\n04.002\n\nLocation\n\nRequired for each new\nobserved item\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\n•\n•\n•\n•\n\n•\n\nFull Bathroom\nHalf Bathroom\nKitchen\nOther (Describe)\n\nIf there are multiple kitchens or bathrooms, indicate in Description which\none has the repair item.\n\n04.003 Description\n\nRequired for each new\nobserved item\n\nFree-form\n\nDescription of the defect, damage, or deficiency, including details as to location\nif needed.\n•\n\nFor properties with multiple units, indicate in Description which unit has\nthe repair item.\nFor properties with multiple dwellings, indicate in Description which\nbuilding has the repair item.\nFor outbuildings, indicate in Description the Outbuilding Type that has the\nrepair item.\n"}