diff --git a/chunks/json/202e1e310fc252d305c98094e422416105503e385983b5076d02c5ee7184b1e1.json b/chunks/json/202e1e310fc252d305c98094e422416105503e385983b5076d02c5ee7184b1e1.json new file mode 100644 index 0000000000000000000000000000000000000000..c3f1a0f11f102dc7bb7dde6149856cd855cddcad --- /dev/null +++ b/chunks/json/202e1e310fc252d305c98094e422416105503e385983b5076d02c5ee7184b1e1.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/203ae5c4f9c8b2ce3d1d07628143dc2016939579a3b243d3f455de66f4e443be.json b/chunks/json/203ae5c4f9c8b2ce3d1d07628143dc2016939579a3b243d3f455de66f4e443be.json new file mode 100644 index 0000000000000000000000000000000000000000..001fae44ca377ba7c8bc72a34394278353fef51c --- /dev/null +++ b/chunks/json/203ae5c4f9c8b2ce3d1d07628143dc2016939579a3b243d3f455de66f4e443be.json @@ -0,0 +1 @@ +{"chunk":{"char_end":24211,"char_start":22783,"chunk_id":"chk_90e4b5e67a293361","chunk_index":13,"chunk_sha256":"203ae5c4f9c8b2ce3d1d07628143dc2016939579a3b243d3f455de66f4e443be","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b6467a46396e149","text_sha256":"203ae5c4f9c8b2ce3d1d07628143dc2016939579a3b243d3f455de66f4e443be","token_estimate":418,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Credit_Scores___FHFA_22br38.md"]},"text":"News Release: [FHFA Issues Proposed Rule on Validation and Approval of Credit Score Models](/news/news-release/fhfa-issues-proposed-rule-on-validation-and-approval-of-credit-score-models)*(12/13/2018)*\n\nFHFA Fact Sheet:[*Validation and Approval of Credit Score Models by the Enterprises*](/sites/default/files/2023-03/validation-and-approval-of-credit-score-models-by-the-enterprises-fact-sheet.pdf)*(12/13/2018)*\n\n**Decision to Shift Focus to Implementation of the Act**\n\nNews Release: [FHFA Announces Decision to Stop Credit Score Initiative](/news/news-release/fhfa-announces-decision-to-stop-credit-score-initiative)*(7/23/2018)*\n\nInfographic: [Mortgage Industry Use of Credit Scores](/sites/default/files/2024-03/Credit-Scores-Flowchart.pdf)*(7/23/2018)*\n\n**Request for Input**\n\nNews Release: [FHFA Extends Deadline to March 30 for Request for Input on Fannie Mae and Freddie Mac Credit Score Requirements](/news/news-release/fhfa-extends-deadline-to-march-30-for-request-for-input-on-fannie-mae-and-freddie-mac-credit-score) *(2/2/2018)*\n\n*FHFA Insights Blog:*[*FHFA Needs Your Feedback on Credit Score Requirements*](/blog/insights/fhfa-needs-your-feedback-on-credit-score-requirements)*(1/18/2018)*\n\nNews Release: [FHFA Issues Request for Input on Fannie Mae and Freddie Mac Credit Score Requirement](/news/news-release/fhfa-issues-request-for-input-on-fannie-mae-and-freddie-mac-credit-score-requirements)*(12/20/2017)*\n"} diff --git a/chunks/json/203e880ffe47c353b77ff0984e1150cf8872ab50d4689eab995f6bd839b6455e.json b/chunks/json/203e880ffe47c353b77ff0984e1150cf8872ab50d4689eab995f6bd839b6455e.json new file mode 100644 index 0000000000000000000000000000000000000000..ab357fbe62e76b72217fbcc3a6300f2206b02095 --- /dev/null +++ b/chunks/json/203e880ffe47c353b77ff0984e1150cf8872ab50d4689eab995f6bd839b6455e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":31556,"char_start":29379,"chunk_id":"chk_312104c797c688a5","chunk_index":11,"chunk_sha256":"203e880ffe47c353b77ff0984e1150cf8872ab50d4689eab995f6bd839b6455e","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_fe9c7f9e0406216b","text_sha256":"203e880ffe47c353b77ff0984e1150cf8872ab50d4689eab995f6bd839b6455e","token_estimate":636,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/LIBOR_Transition___FHFA_cx711r.md"]},"text":"{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/14036\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new 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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/203ea133e91a5190471333b2889fd04adc86f272d8c77825ad374cb25c63add4.json b/chunks/json/203ea133e91a5190471333b2889fd04adc86f272d8c77825ad374cb25c63add4.json new file mode 100644 index 0000000000000000000000000000000000000000..14879d490cc98f4a007e5dbb590824ff7606c3f5 --- /dev/null +++ b/chunks/json/203ea133e91a5190471333b2889fd04adc86f272d8c77825ad374cb25c63add4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":53388,"char_start":51761,"chunk_id":"chk_2b08bcd1d13cb5fe","chunk_index":76,"chunk_sha256":"203ea133e91a5190471333b2889fd04adc86f272d8c77825ad374cb25c63add4","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"203ea133e91a5190471333b2889fd04adc86f272d8c77825ad374cb25c63add4","token_estimate":407,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"TEXT\n\n9/13 Myriad Pro Bold x 22 picas (~30 characters max).\n\nINDENT Align left and text indent 4 points.\n\nRULE\n\nNo rule\n\nH2-1\n\nTX-B – Subheading Bold\n\nTX-B\n\nAppendix E: Report Style Guide\n\nPage 20 of 90\n\nVersion 1.4\n\nTXR-B – Text with Rule Bold\n\nTEXT\n\nTXR-B – 9/13 Myriad Pro Bold (~30 characters max).\n\nINDENT Align left and text indent 4 points.\n\nTABS\n\nSet tab at 11 picas.\n\nRULE\n\n½ point rule in 50% black x 22 picas. Offset 0 picas 2 points.\n\nTXR-B\n\nTXR –Text with Rule\n\nTXR\n\nTEXT\n\nTXR – 9/13 Myriad Pro Regular (~33 characters max).\n\nINDENT Align left and text indent 4 points.\n\nTABS\n\nSet tab at 11 picas.\n\nRULE\n\n½ point rule in 50% black x 22 picas. Offset 0 picas 2 points.\n\nNOTE\n\nTXR usually appears with another text element.\n\nTXR-I – Text with Rule Indented\n\nTEXT\n\n9/13 Myriad Pro Regular (~30 characters max), tabbed at 11 picas to:\nTXR – 9/13 Myriad Pro Regular (~33 characters max). These two elements\ntogether set x 22 picas.\n\nINDENT Align left and text indent 0 picas 12 points.\n\nTABS\n\nSet tab 11 picas.\n\nRULE\n\n½ point rule in 50% black. Offset: 0 picas 2 points.\n\nTXR-I\n\nAppendix E: Report Style Guide\n\nPage 21 of 90\n\nVersion 1.4\n\nTXR-II – Text with Rule Double Indented\n\nTEXT\n\n9/13 Myriad Pro Regular (~29 characters max), tabbed at 11 picas to:\n\nTXR – 9/13 Myriad Pro Regular (~33 characters max). These two elements\ntogether set x 22 picas.\n\nINDENT Align left and text indent 21 points.\n\nTABS\n\nSet tab 11 picas.\n\nRULE\n\n½ point rule in 50% black. Offset: 2 points.\n\nTXR-II\n\nTX-BI – Text Bold Italic\n\nTX-BI\n\nTEXT\n\n9/13 Myriad Pro Bold Italic (~30 characters max).\n\nINDENT Align left and text indent 4 points.\n"} diff --git a/chunks/json/205a37e170f2a9edc73ecf65d9ea8fcf9f5acbcb8a69d27b6d563392a824fded.json b/chunks/json/205a37e170f2a9edc73ecf65d9ea8fcf9f5acbcb8a69d27b6d563392a824fded.json new file mode 100644 index 0000000000000000000000000000000000000000..66ea00d7e679f9f15b575759f2605cee860d53cb --- /dev/null +++ b/chunks/json/205a37e170f2a9edc73ecf65d9ea8fcf9f5acbcb8a69d27b6d563392a824fded.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/2069d7897150318390d51e168e3f509b25ee79f9437f10c55159b5ed74728fc6.json b/chunks/json/2069d7897150318390d51e168e3f509b25ee79f9437f10c55159b5ed74728fc6.json new file mode 100644 index 0000000000000000000000000000000000000000..2442b83b19530e3359a0ec31c645bb88a15ac1db --- /dev/null +++ b/chunks/json/2069d7897150318390d51e168e3f509b25ee79f9437f10c55159b5ed74728fc6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":92359,"char_start":90739,"chunk_id":"chk_40e943abed90f14d","chunk_index":47,"chunk_sha256":"2069d7897150318390d51e168e3f509b25ee79f9437f10c55159b5ed74728fc6","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"2069d7897150318390d51e168e3f509b25ee79f9437f10c55159b5ed74728fc6","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"\n \n\nSubsequent\n 2.0000\n 36\n\n\n \n\n\n\n\n\n…\n\n\n2. LOAN AMORTIZATION\n\nThe two loan amortization types accepted by the GSEs are fixed and adjustable rate.\n\nFigure 26. Rendering Amortization Data on the CD.\n\n3.0 Loan Information\n\n3.3 Product Adjustable Rate\n\nUCD v2.0 Implementation Guide\n\n- 34 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nTable 18. UCD v2.0 Spec Excerpt - Loan Amortization Data Requirements.\n\nUCD UID MISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DE\nAL/LOANS/LOAN/AMORTIZATION/AMORTIZATION_RULE\n\n3.025\n\nAmortizationType\n\nAdjustableRate\n\nN O T E : Several enumerations for AmortizationType describing products the GSEs do not purchase have been removed\nfrom UCD v2.0—“GEM | GPM | GraduatedPaymentARM | Step”. IntegratedDisclosureProductIDDescription has also been\nremoved.\n\nFigure 27. XML Snippet - Example of Loan Amortization Data.\n\n…\n…\n \n\n\n \n\n\n\n\n\nAdjustableRate\n\n\n\n\n\n…\n\n\n3. TEMPORARY BUYDOWN SUBSIDY\n"} diff --git a/chunks/json/206e7f1c86340d02786eb2aee6881485adaa41f711f69718647268436754accc.json b/chunks/json/206e7f1c86340d02786eb2aee6881485adaa41f711f69718647268436754accc.json new file mode 100644 index 0000000000000000000000000000000000000000..fc8fa0ee48b454e190d1663695a763ed5f121bf8 --- /dev/null +++ b/chunks/json/206e7f1c86340d02786eb2aee6881485adaa41f711f69718647268436754accc.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/20712d4b68cd8a374ab2084eff4e6790d33fc7666e391b438b662c053eb5d41c.json b/chunks/json/20712d4b68cd8a374ab2084eff4e6790d33fc7666e391b438b662c053eb5d41c.json new file mode 100644 index 0000000000000000000000000000000000000000..07118041d39116637f858e6c3593da5ecdaf2293 --- /dev/null +++ b/chunks/json/20712d4b68cd8a374ab2084eff4e6790d33fc7666e391b438b662c053eb5d41c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12977,"char_start":12520,"chunk_id":"chk_14bd279fe7de8372","chunk_index":7,"chunk_sha256":"20712d4b68cd8a374ab2084eff4e6790d33fc7666e391b438b662c053eb5d41c","date_utc":"2026-01-27T18:07:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_058d4980d2495702","text_sha256":"20712d4b68cd8a374ab2084eff4e6790d33fc7666e391b438b662c053eb5d41c","token_estimate":114,"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","below_target_min_tokens"]},"text":"Additional Supervisory Appraiser Certifications\n\nAdditional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser Certifications.\n1.\n\nSignature\n\n[Role]\n\n[Contact Name]\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Restricted Appraisal Update Report Page [Page] of [Pages]Update Version #Fannie Mae | Freddie Mac September 2024\n"} diff --git a/chunks/json/2076c7abbb65e400a92315f13fb3676862cab947a405502d5445130a0e2bf92b.json b/chunks/json/2076c7abbb65e400a92315f13fb3676862cab947a405502d5445130a0e2bf92b.json new file mode 100644 index 0000000000000000000000000000000000000000..150d1e33e8444bb33428c66df88fb8ec70553e3e --- /dev/null +++ b/chunks/json/2076c7abbb65e400a92315f13fb3676862cab947a405502d5445130a0e2bf92b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":22702,"char_start":20954,"chunk_id":"chk_ea730571c8664326","chunk_index":11,"chunk_sha256":"2076c7abbb65e400a92315f13fb3676862cab947a405502d5445130a0e2bf92b","date_utc":"2026-01-27T17:48:00+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f7353ddc84098f76","text_sha256":"2076c7abbb65e400a92315f13fb3676862cab947a405502d5445130a0e2bf92b","token_estimate":437,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Website_Privacy_Policy___FHFA_m6ybii.md"]},"text":"12 U.S.C. § 4501 *et seq.*authorizes FHFA to request information from you.\n\n## 9. Information from Children\n\nSections of FHFA’s Website may offer educational content to children, parents, and teachers. In compliance with the Children's Online Privacy Protection Act (COPPA), FHFA does not require children to reveal any information that could personally identify them. If, however, a child chooses to provide us with personally identifying information, through an email, Web form or other means, that information will only be used to respond to the writer’s question(s) or request(s). The information will not be retained, used for another purpose, or shared with third parties.\n\n## 10. Copyright and Trademark Notice\n\nGenerally, information and materials produced by Federal agencies, including FHFA, are in the public domain and may be copied and distributed without permission. This excludes the FHFA seal, other Federal agency seals, and marks for which there is a federal trademark as denoted by the ® symbol, which are protected by law.\n\nSome of the information contained on this website is not in the public domain because it may have been trademarked, purchased, licensed, or donated by third parties. This information may be subject to copyright or trademark protection. It is your responsibility to identify such protected information and obtain permission from the copyright or trademark holders before use in anyway.\n\nIf you are the copyright owner of material on this website that you believe has not been properly attributed to you or has been used without your permission, please [contact us](https://www.fhfa.gov/AboutUs/Contact/Pages/General-Questions-and-Comments.aspx) and include a link to the relevant material in your message.\n"} diff --git a/chunks/json/2077d50ed6829351ca54737a3be3bb17bf4a27d01c160fdac268fc9af6657727.json b/chunks/json/2077d50ed6829351ca54737a3be3bb17bf4a27d01c160fdac268fc9af6657727.json new file mode 100644 index 0000000000000000000000000000000000000000..9a4bd1efe2b83f75d024810ef9d371ec3a3e9078 --- /dev/null +++ b/chunks/json/2077d50ed6829351ca54737a3be3bb17bf4a27d01c160fdac268fc9af6657727.json @@ -0,0 +1 @@ +{"chunk":{"char_end":44962,"char_start":43286,"chunk_id":"chk_eb32a0c743ddec90","chunk_index":25,"chunk_sha256":"2077d50ed6829351ca54737a3be3bb17bf4a27d01c160fdac268fc9af6657727","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"2077d50ed6829351ca54737a3be3bb17bf4a27d01c160fdac268fc9af6657727","token_estimate":419,"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 28 of 30\nPage 28 of 30\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/207efab32985b67ea3082124060c19f0d43fcefec92d1e439b44027c0235a263.json b/chunks/json/207efab32985b67ea3082124060c19f0d43fcefec92d1e439b44027c0235a263.json new file mode 100644 index 0000000000000000000000000000000000000000..746ef74aa7211d72b5fc626c22ca2770b7198649 --- /dev/null +++ b/chunks/json/207efab32985b67ea3082124060c19f0d43fcefec92d1e439b44027c0235a263.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/208169ef9f0f31421b7c28b62a395a94ed1cc3c720480d9a812ee3a792f305a9.json b/chunks/json/208169ef9f0f31421b7c28b62a395a94ed1cc3c720480d9a812ee3a792f305a9.json new file mode 100644 index 0000000000000000000000000000000000000000..0956e8d17ef27b61432ada5b9cf1f59b018e1714 --- /dev/null +++ b/chunks/json/208169ef9f0f31421b7c28b62a395a94ed1cc3c720480d9a812ee3a792f305a9.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/208232d79613df1f16d2e19a2cabe097f22608e73dd72fb2ffe2d71a98f1b5a5.json b/chunks/json/208232d79613df1f16d2e19a2cabe097f22608e73dd72fb2ffe2d71a98f1b5a5.json new file mode 100644 index 0000000000000000000000000000000000000000..d779c4912d8922b85076ac4379a71943bd99f320 --- /dev/null +++ b/chunks/json/208232d79613df1f16d2e19a2cabe097f22608e73dd72fb2ffe2d71a98f1b5a5.json @@ -0,0 +1 @@ +{"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. 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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/2098900e4a43fa6c0438ffa30ec7555c041fbc100626df6a3428f38ae95edc29.json b/chunks/json/2098900e4a43fa6c0438ffa30ec7555c041fbc100626df6a3428f38ae95edc29.json new file mode 100644 index 0000000000000000000000000000000000000000..9ce1799b30b73e3fb7bab844f678328cab222f47 --- /dev/null +++ b/chunks/json/2098900e4a43fa6c0438ffa30ec7555c041fbc100626df6a3428f38ae95edc29.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/2098cc13bfc30368db191d6590fcb04a5126c6b1d52d9bdd505abce82451e4e7.json b/chunks/json/2098cc13bfc30368db191d6590fcb04a5126c6b1d52d9bdd505abce82451e4e7.json new file mode 100644 index 0000000000000000000000000000000000000000..5e510793201891f7f87a6477161909b415367761 --- /dev/null +++ b/chunks/json/2098cc13bfc30368db191d6590fcb04a5126c6b1d52d9bdd505abce82451e4e7.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/209b3179a90a4eb62ab4d7d4fed64f5501760edc0d1c2ec3e18d7257aba1a3dd.json b/chunks/json/209b3179a90a4eb62ab4d7d4fed64f5501760edc0d1c2ec3e18d7257aba1a3dd.json new file mode 100644 index 0000000000000000000000000000000000000000..4edbe4a98b570beb9b04573b9bdb89f0427b00a2 --- /dev/null +++ b/chunks/json/209b3179a90a4eb62ab4d7d4fed64f5501760edc0d1c2ec3e18d7257aba1a3dd.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/20a88e8836d854bb66a182283e57cbd0b191eaa5b7b4f21f7a723b71b124648c.json b/chunks/json/20a88e8836d854bb66a182283e57cbd0b191eaa5b7b4f21f7a723b71b124648c.json new file mode 100644 index 0000000000000000000000000000000000000000..21a3e8cbe55a5e7fb4512c2a0c9ddd60b82eff16 --- /dev/null +++ b/chunks/json/20a88e8836d854bb66a182283e57cbd0b191eaa5b7b4f21f7a723b71b124648c.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/20b20c523232bb9cf14e5e4c633a4a6101a5af6302a30e409a4fcfdee00a5a75.json b/chunks/json/20b20c523232bb9cf14e5e4c633a4a6101a5af6302a30e409a4fcfdee00a5a75.json new file mode 100644 index 0000000000000000000000000000000000000000..022c51e76dc9a7d9151a171edea45a7000a0cd7a --- /dev/null +++ b/chunks/json/20b20c523232bb9cf14e5e4c633a4a6101a5af6302a30e409a4fcfdee00a5a75.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/20bacb677287f66e9f57ec4d667a0e5c3f89d3706c3e792f29bea74e806d8549.json b/chunks/json/20bacb677287f66e9f57ec4d667a0e5c3f89d3706c3e792f29bea74e806d8549.json new file mode 100644 index 0000000000000000000000000000000000000000..e2e9fd61fd3efcd782f605cdb654ff12cfc2e6c0 --- /dev/null +++ b/chunks/json/20bacb677287f66e9f57ec4d667a0e5c3f89d3706c3e792f29bea74e806d8549.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/20bbca32e362c513ef71e62a730d002e2fc8865b202ea5744312055b72f67cb5.json b/chunks/json/20bbca32e362c513ef71e62a730d002e2fc8865b202ea5744312055b72f67cb5.json new file mode 100644 index 0000000000000000000000000000000000000000..679131d41305c13b616015bd9d9b9ec47f878635 --- /dev/null +++ b/chunks/json/20bbca32e362c513ef71e62a730d002e2fc8865b202ea5744312055b72f67cb5.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/20beb4f2b222cca7ee466d9ec7cfcd1cfa62db542aba24609fe176967d44da1a.json b/chunks/json/20beb4f2b222cca7ee466d9ec7cfcd1cfa62db542aba24609fe176967d44da1a.json new file mode 100644 index 0000000000000000000000000000000000000000..283e5129967c429389737aea668b1106b377bc2f --- /dev/null +++ b/chunks/json/20beb4f2b222cca7ee466d9ec7cfcd1cfa62db542aba24609fe176967d44da1a.json @@ -0,0 +1 @@ +{"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\n…\n \n\n\n \n\n\n\n
\n\n456 Somewhere Avenue\n 284\n Anytown\n 12345\n ST\n\n
\n\n…\n\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"} diff --git a/chunks/json/20ca2781eba014338110ddbd7dcc3fee3e2a19cdab2b1139b15bf8f0fc3689a2.json b/chunks/json/20ca2781eba014338110ddbd7dcc3fee3e2a19cdab2b1139b15bf8f0fc3689a2.json new file mode 100644 index 0000000000000000000000000000000000000000..785e23bc0e84b7e46de0cd435fbfbe2f52516311 --- /dev/null +++ b/chunks/json/20ca2781eba014338110ddbd7dcc3fee3e2a19cdab2b1139b15bf8f0fc3689a2.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/20ce54a5ccf4a2b5c1e8bebd1a767be78dc1a486862263aa060ed3e26ff5711f.json b/chunks/json/20ce54a5ccf4a2b5c1e8bebd1a767be78dc1a486862263aa060ed3e26ff5711f.json new file mode 100644 index 0000000000000000000000000000000000000000..7d98cdd4d204b673129edb80aebac111d9e23a15 --- /dev/null +++ b/chunks/json/20ce54a5ccf4a2b5c1e8bebd1a767be78dc1a486862263aa060ed3e26ff5711f.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/20d15a4685cc9aacc195f3a411d690092afb8cec4a6b113a8928b8ec2fcadde8.json b/chunks/json/20d15a4685cc9aacc195f3a411d690092afb8cec4a6b113a8928b8ec2fcadde8.json new file mode 100644 index 0000000000000000000000000000000000000000..44d4b840c748b254da35ac7f37362ac0b83deb03 --- /dev/null +++ b/chunks/json/20d15a4685cc9aacc195f3a411d690092afb8cec4a6b113a8928b8ec2fcadde8.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/20d1dbc1e4cbeb83d5df6a43f242e4ef6a00a92c5de09a241f463e33cda9e25d.json b/chunks/json/20d1dbc1e4cbeb83d5df6a43f242e4ef6a00a92c5de09a241f463e33cda9e25d.json new file mode 100644 index 0000000000000000000000000000000000000000..c00f4cad67824da80c88f2dd95ad08cf21edd3ec --- /dev/null +++ b/chunks/json/20d1dbc1e4cbeb83d5df6a43f242e4ef6a00a92c5de09a241f463e33cda9e25d.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/20dd20fc6ece0132bb0d4ebdf703d0b7a1ca148c3e88c18c75d25cdf6995609c.json b/chunks/json/20dd20fc6ece0132bb0d4ebdf703d0b7a1ca148c3e88c18c75d25cdf6995609c.json new file mode 100644 index 0000000000000000000000000000000000000000..7082981cd61482434973b2da84f4ab93d9660f1e --- /dev/null +++ b/chunks/json/20dd20fc6ece0132bb0d4ebdf703d0b7a1ca148c3e88c18c75d25cdf6995609c.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/20ed0409b99709b0d2c93f686caecf5f6d3fc93e4cebc4225c2fb2f820a25562.json b/chunks/json/20ed0409b99709b0d2c93f686caecf5f6d3fc93e4cebc4225c2fb2f820a25562.json new file mode 100644 index 0000000000000000000000000000000000000000..e3d80b8a583005e2f48e3889b18f071ce6d260e2 --- /dev/null +++ b/chunks/json/20ed0409b99709b0d2c93f686caecf5f6d3fc93e4cebc4225c2fb2f820a25562.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/20f3c061d1b5ce75f97daf2e26da7eee8781e0c0b748558101782f2d1dabb95c.json b/chunks/json/20f3c061d1b5ce75f97daf2e26da7eee8781e0c0b748558101782f2d1dabb95c.json new file mode 100644 index 0000000000000000000000000000000000000000..b1db848bb26723620c23c8eff981e0cacfe7c31e --- /dev/null +++ b/chunks/json/20f3c061d1b5ce75f97daf2e26da7eee8781e0c0b748558101782f2d1dabb95c.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/210698eae9a18a2250235d3d79b90739e142925fac601cab0b540e0559676f4b.json b/chunks/json/210698eae9a18a2250235d3d79b90739e142925fac601cab0b540e0559676f4b.json new file mode 100644 index 0000000000000000000000000000000000000000..404ea0dfe90828d6e76eaabb38a4d62bb2255753 --- /dev/null +++ b/chunks/json/210698eae9a18a2250235d3d79b90739e142925fac601cab0b540e0559676f4b.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/210e87bdb8799239d66f6a498ca4489ee1857a284104dafbe34a8b75a91691c5.json b/chunks/json/210e87bdb8799239d66f6a498ca4489ee1857a284104dafbe34a8b75a91691c5.json new file mode 100644 index 0000000000000000000000000000000000000000..00cf93e3932bb583ce2ebe7d1214f946f787eb5d --- /dev/null +++ b/chunks/json/210e87bdb8799239d66f6a498ca4489ee1857a284104dafbe34a8b75a91691c5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9591,"char_start":8393,"chunk_id":"chk_2cc4fe678b5c3aa8","chunk_index":5,"chunk_sha256":"210e87bdb8799239d66f6a498ca4489ee1857a284104dafbe34a8b75a91691c5","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e7b4ddc2d288ca6b","text_sha256":"210e87bdb8799239d66f6a498ca4489ee1857a284104dafbe34a8b75a91691c5","token_estimate":300,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/quick-guide-ucd-enhancements-oct-12-2022.pdf"]},"text":"Fatal edit 3128: Regulation Z Total Points and Fees Amount is required, excluding Bona Fide Discount Points. Data should\nbe numeric up to 9 digits, with up to 2 decimal places and cannot be negative.\n\nEdit 3317 will transition from warning-to-fatal to a warning severity and the edit feedback message will be updated on\nJanuary 24, 2022, to the following:\n\nEdit 3317: The reported Regulation Z Total Points and Fees Amount provided is $0.00. Validate the amount to ensure the\naccuracy of the value provided. For additional information on the Regulation Z Total Points and Fees Amount, contact your\nCompliance Team.\n\nNOTE: Edit 3317 will not be transitioning to fatal in January as originally announced. The edit will be warning\nseverity at this time.\n\nJanuary 24\n\nUCD Critical Edits -\n\nPhase 2\n\nImplementation\n\nIn preparation for the Phase 2 UCD edits transition to fatal severity, several feedback messages have been updated to\nprovide additional clarity. Review the UCD Feedback Messages for details.\n\nNOTE: On January 24, 2022, in the UCD Test Environment, Phase 2 edits will change to fatal severity to mirror the March\n2022 Phase 2 implementation.\n\n© 2022 Fannie Mae\n\nOctober 2022 Page 5\nof 4\n"} diff --git a/chunks/json/2113feb5b89cd46488fcf1356c588e337e7dd42df2a6d03cc9cb49126be532c8.json b/chunks/json/2113feb5b89cd46488fcf1356c588e337e7dd42df2a6d03cc9cb49126be532c8.json new file mode 100644 index 0000000000000000000000000000000000000000..167028c9735bb9427e293758ba9f2be61f4d0abf --- /dev/null +++ b/chunks/json/2113feb5b89cd46488fcf1356c588e337e7dd42df2a6d03cc9cb49126be532c8.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/2114c38f83a6959dc58806c88890fc23dc8e56f5f08c396d67139ae9c6640658.json b/chunks/json/2114c38f83a6959dc58806c88890fc23dc8e56f5f08c396d67139ae9c6640658.json new file mode 100644 index 0000000000000000000000000000000000000000..3c4f1ffa9ed873c6e29b120b39dd347f0488d3ff --- /dev/null +++ b/chunks/json/2114c38f83a6959dc58806c88890fc23dc8e56f5f08c396d67139ae9c6640658.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11816,"char_start":11320,"chunk_id":"chk_ea6ae8b097655017","chunk_index":7,"chunk_sha256":"2114c38f83a6959dc58806c88890fc23dc8e56f5f08c396d67139ae9c6640658","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"2114c38f83a6959dc58806c88890fc23dc8e56f5f08c396d67139ae9c6640658","token_estimate":458,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Report PDF ............................................................................................................................................................................................................................................. 24\n\nURAR Section Organization ...................................................................................................................................................................................................................... 24\n"} diff --git a/chunks/json/212408e7eb7df535fe8e6c9d7e5bac28a3f5eff001ea83741ae87b1f46acd376.json b/chunks/json/212408e7eb7df535fe8e6c9d7e5bac28a3f5eff001ea83741ae87b1f46acd376.json new file mode 100644 index 0000000000000000000000000000000000000000..f25f17100cb10405cc1d879604a8940cace8c8bb --- /dev/null +++ b/chunks/json/212408e7eb7df535fe8e6c9d7e5bac28a3f5eff001ea83741ae87b1f46acd376.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/212501ff117e5825710a7d03a9d9d76a4ec15a0f14350384c208330c1184dc0d.json b/chunks/json/212501ff117e5825710a7d03a9d9d76a4ec15a0f14350384c208330c1184dc0d.json new file mode 100644 index 0000000000000000000000000000000000000000..e16e87ed85b78f998d693cdfe5e01a9dc8f80058 --- /dev/null +++ b/chunks/json/212501ff117e5825710a7d03a9d9d76a4ec15a0f14350384c208330c1184dc0d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":31043,"char_start":30147,"chunk_id":"chk_881bf438b6a2e7c5","chunk_index":32,"chunk_sha256":"212501ff117e5825710a7d03a9d9d76a4ec15a0f14350384c208330c1184dc0d","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"212501ff117e5825710a7d03a9d9d76a4ec15a0f14350384c208330c1184dc0d","token_estimate":406,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23)\n\nAppraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27)\n\nUniform Residential Appraisal Report\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20)\n\nPage [Page] of [Pages]\n\nOutbuilding - [Outbuilding Type]\n\nConsidered Real Property\nUnits in Structure\nAttached to Permanent Foundation\nStructure Volume\nGross Building Area\n\n(cid:20)(cid:21)\n\n(cid:17)(cid:19)(cid:19)\n\n(cid:20)\n\n(cid:20)(cid:21)\n(cid:20)(cid:21)\n\n(cid:17)(cid:19)(cid:19)\n(cid:21)\n(cid:17)(cid:19)(cid:19)(cid:22)\n\n(cid:20)(cid:21)(cid:17)(cid:19)(cid:19)(cid:23)\n\n(cid:20)(cid:21)\n\n(cid:17)(cid:19)(cid:19)(cid:24)\n"} diff --git a/chunks/json/212d1219c6872cc022b5f7bae685775e4ac71cbb9e3c03b23bf1b39653fb2a4f.json b/chunks/json/212d1219c6872cc022b5f7bae685775e4ac71cbb9e3c03b23bf1b39653fb2a4f.json new file mode 100644 index 0000000000000000000000000000000000000000..91e0618df27a979d5e66568d577ed989d3b0843b --- /dev/null +++ b/chunks/json/212d1219c6872cc022b5f7bae685775e4ac71cbb9e3c03b23bf1b39653fb2a4f.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/2141648fd5f3810b59d7f66e41f9d7e9b95dd64fcb8430fbc4cff81c2a095744.json b/chunks/json/2141648fd5f3810b59d7f66e41f9d7e9b95dd64fcb8430fbc4cff81c2a095744.json new file mode 100644 index 0000000000000000000000000000000000000000..b3ae3cd5e4dd9ada7891ed0391d75930fafdd9f5 --- /dev/null +++ b/chunks/json/2141648fd5f3810b59d7f66e41f9d7e9b95dd64fcb8430fbc4cff81c2a095744.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/21598c184ff5bfade4c67cc824cdcbabcb021699c8c2f2b6d267085f32e7c6bb.json b/chunks/json/21598c184ff5bfade4c67cc824cdcbabcb021699c8c2f2b6d267085f32e7c6bb.json new file mode 100644 index 0000000000000000000000000000000000000000..644fe566cead6d57e52ce63da5c81c859d3ca33f --- /dev/null +++ b/chunks/json/21598c184ff5bfade4c67cc824cdcbabcb021699c8c2f2b6d267085f32e7c6bb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13726,"char_start":12058,"chunk_id":"chk_61f81b3edf38a44f","chunk_index":7,"chunk_sha256":"21598c184ff5bfade4c67cc824cdcbabcb021699c8c2f2b6d267085f32e7c6bb","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ca1db67b9626334c","text_sha256":"21598c184ff5bfade4c67cc824cdcbabcb021699c8c2f2b6d267085f32e7c6bb","token_estimate":417,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fannie_Mae___Freddie_Mac_Affordable_Housing_Goals__3lunn.md"]},"text":"[Housing Goals Final Rule for 2025-2027 Enterprise Housing Goals](/regulation/federal-register/final-rule/2025-2027-enterprise-housing-goals-final-rule)\n\n[Housing Goals Final Rule Model Paper: The Size of the Affordable Mortgage Market: 2025-2027 Enterprise Single-Family Housing Goals](/sites/default/files/2024-12/Dec2024-Market-Estimates-2025-2027.pdf)\n\n[Housing Goals Final Rule for 2023-2024 Multifamily Goals](/regulation/federal-register/final-rule/2023-2024-multifamily-enterprise-housing-goals-final-rule)\n\n[Housing Goals Final Rule for 2022-2024 Single-Family and 2022 Multifamily Goals](/regulation/federal-register/final-rule/2022-2024-single-family-and-2022-multifamily-enterprise-housing-goals)\n\n[Housing Goals Final Rule Model Paper: The Size of the Affordable Mortgage Market: 2022-2024 Enterprise Single-Family Housing Goals](/sites/default/files/documents/Dec2021_Market-Estimates-2022-2024.pdf)\n\n**Housing Goals Proposed Rule Documents**\n\n[Housing Goals Proposed Rule for 2025-2027 Enterprise Housing Goals](/regulation/federal-register/proposed-rulemaking/2025-2027-enterprise-housing-goals)\n\n[Housing Goals Proposed Rule Model Paper: The Size of the Affordable Mortgage Market: 2025-2027 Enterprise Single-Family Housing Goals](/sites/default/files/2024-09/Market-Estimates_2025-2027.pdf)\n\n[Housing Goals Proposed Rule for 2023-2024 Multifamily Goals](/regulation/federal-register/proposed-rulemaking/2023-2024-multifamily-enterprise-housing-goals-proposed-rule)\n\n[Housing Goals Proposed Rule for 2022-2024 Single-Family and 2022 Multifamily Goals](/regulation/federal-register/proposed-rulemaking/2022-2024-enterprise-housing-goals-proposed-rule)\n"} diff --git a/chunks/json/2162ffd70971eb60580e49d3e298a475ad23c7ca0938bb11e5109439d2dbd6fa.json b/chunks/json/2162ffd70971eb60580e49d3e298a475ad23c7ca0938bb11e5109439d2dbd6fa.json new file mode 100644 index 0000000000000000000000000000000000000000..bba6f07fc630f24b161ebd540433e2ae5a95eb36 --- /dev/null +++ b/chunks/json/2162ffd70971eb60580e49d3e298a475ad23c7ca0938bb11e5109439d2dbd6fa.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/21647efcbb597e8fd1134d1a54dfa017332af2a4c301f5658e6b605dcb5dd953.json b/chunks/json/21647efcbb597e8fd1134d1a54dfa017332af2a4c301f5658e6b605dcb5dd953.json new file mode 100644 index 0000000000000000000000000000000000000000..8768688260580d6a249220b71cfda20e569a8213 --- /dev/null +++ b/chunks/json/21647efcbb597e8fd1134d1a54dfa017332af2a4c301f5658e6b605dcb5dd953.json @@ -0,0 +1 @@ +{"chunk":{"char_end":32945,"char_start":32469,"chunk_id":"chk_71baf723a856979f","chunk_index":52,"chunk_sha256":"21647efcbb597e8fd1134d1a54dfa017332af2a4c301f5658e6b605dcb5dd953","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"21647efcbb597e8fd1134d1a54dfa017332af2a4c301f5658e6b605dcb5dd953","token_estimate":406,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Cost Approach Commentary (H1) ....................................................................................................................... 73\n\nCost Approach Exhibits (H1) ............................................................................................................................... 73\n\nReconciliation ................................................................................................................................................ 73\n"} diff --git a/chunks/json/2165493dc9112eb189e7dda9ee2351b30db946d9bd44c48bf9f25aaee485fa2d.json b/chunks/json/2165493dc9112eb189e7dda9ee2351b30db946d9bd44c48bf9f25aaee485fa2d.json new file mode 100644 index 0000000000000000000000000000000000000000..d60b8deb32dba646f2e11bf79f1470b9476197ba --- /dev/null +++ b/chunks/json/2165493dc9112eb189e7dda9ee2351b30db946d9bd44c48bf9f25aaee485fa2d.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/2166f385cca88460a8d797ab938ab8efd64d6715ab4ec5b6b9d885119656077f.json b/chunks/json/2166f385cca88460a8d797ab938ab8efd64d6715ab4ec5b6b9d885119656077f.json new file mode 100644 index 0000000000000000000000000000000000000000..affd0ff1fe8aa3813b28c624e022d4742e39ac1b --- /dev/null +++ b/chunks/json/2166f385cca88460a8d797ab938ab8efd64d6715ab4ec5b6b9d885119656077f.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/216bfc72a84f41fad68bcb75f2410554ce9ef0964ec65fe1bee19b45d9e94e3f.json b/chunks/json/216bfc72a84f41fad68bcb75f2410554ce9ef0964ec65fe1bee19b45d9e94e3f.json new file mode 100644 index 0000000000000000000000000000000000000000..31b0389b4aaab833608222da1d898b6db096cb63 --- /dev/null +++ b/chunks/json/216bfc72a84f41fad68bcb75f2410554ce9ef0964ec65fe1bee19b45d9e94e3f.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/2182b577c2414b7b96bceb1e157be899f9627028bff8a532dcca7c6a9e3341bc.json b/chunks/json/2182b577c2414b7b96bceb1e157be899f9627028bff8a532dcca7c6a9e3341bc.json new file mode 100644 index 0000000000000000000000000000000000000000..5121710b50799907428da511939738c3cfc6024a --- /dev/null +++ b/chunks/json/2182b577c2414b7b96bceb1e157be899f9627028bff8a532dcca7c6a9e3341bc.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/21856ea0d1211affd7a8bcaab2e7476248f23c3e9163b705181ef8d77a1bd199.json b/chunks/json/21856ea0d1211affd7a8bcaab2e7476248f23c3e9163b705181ef8d77a1bd199.json new file mode 100644 index 0000000000000000000000000000000000000000..6cd7093843eeb8259daf02783c828ad4a44687f8 --- /dev/null +++ b/chunks/json/21856ea0d1211affd7a8bcaab2e7476248f23c3e9163b705181ef8d77a1bd199.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/218dc775a0062fee8289ad5eb9467f3029c08edaeb49c0e77d41055c2693c5d4.json b/chunks/json/218dc775a0062fee8289ad5eb9467f3029c08edaeb49c0e77d41055c2693c5d4.json new file mode 100644 index 0000000000000000000000000000000000000000..189d806bae98535ebea051d7070615db4b8be496 --- /dev/null +++ b/chunks/json/218dc775a0062fee8289ad5eb9467f3029c08edaeb49c0e77d41055c2693c5d4.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/218fc4b6ce763f3212cda552bddb9f17a7597854383557d5bb8408d14c91aee4.json b/chunks/json/218fc4b6ce763f3212cda552bddb9f17a7597854383557d5bb8408d14c91aee4.json new file mode 100644 index 0000000000000000000000000000000000000000..dbd640ff85715c18db8162463644ccc596e6bcfb --- /dev/null +++ b/chunks/json/218fc4b6ce763f3212cda552bddb9f17a7597854383557d5bb8408d14c91aee4.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/219e6ccbfc6fd74b0e53bfc13982e248ebe5d7e5b614393bb57590294dd727f2.json b/chunks/json/219e6ccbfc6fd74b0e53bfc13982e248ebe5d7e5b614393bb57590294dd727f2.json new file mode 100644 index 0000000000000000000000000000000000000000..1bd6e8fba629af8dc66e25fd03463e21a1870f0e --- /dev/null +++ b/chunks/json/219e6ccbfc6fd74b0e53bfc13982e248ebe5d7e5b614393bb57590294dd727f2.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/21b1e1a0e4f1147560484c75e134ee337107c8f2607d90c0bb02183fa833c488.json b/chunks/json/21b1e1a0e4f1147560484c75e134ee337107c8f2607d90c0bb02183fa833c488.json new file mode 100644 index 0000000000000000000000000000000000000000..5a89c74eb4348a0ffcb027c8c585bd27ea88d1d5 --- /dev/null +++ b/chunks/json/21b1e1a0e4f1147560484c75e134ee337107c8f2607d90c0bb02183fa833c488.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/21b97789c4230dfc988f20ac749f46678e76064ebd9aa405ba9214d65a949ea8.json b/chunks/json/21b97789c4230dfc988f20ac749f46678e76064ebd9aa405ba9214d65a949ea8.json new file mode 100644 index 0000000000000000000000000000000000000000..ce2c61f6b0c1864dd51ecf225a858573bdc75269 --- /dev/null +++ b/chunks/json/21b97789c4230dfc988f20ac749f46678e76064ebd9aa405ba9214d65a949ea8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":346635,"char_start":344992,"chunk_id":"chk_f1baaa8ef47d6816","chunk_index":202,"chunk_sha256":"21b97789c4230dfc988f20ac749f46678e76064ebd9aa405ba9214d65a949ea8","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"21b97789c4230dfc988f20ac749f46678e76064ebd9aa405ba9214d65a949ea8","token_estimate":411,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Sort 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\n482\n\n6\n\n12\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nEffective Date of\nAppraisal\n\nAppraisal Effective\nDate\n\nEffective date of the appraisal report\non the subject property.\n\n/VALUATION_RESPONSE/VALUATION/@A\nppraisalEffectiveDate\n\n10\n\nDate/Time\n\nUAD Requirement - Refer to Appendix D Appraiser Certification\nSection\nNote: This data is referenced more than once on the form (field 2-135) and\nmust be represented consistently.\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\n483\n\n484\n\n485\n\n486\n\n487\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\nwho completed the final estimate of\nvalue for the subject property.\n\n/VALUATION_RESPONSE/PARTIES/APPRA\nISER/APPRAISER_LICENSE[@_Type='Certifi\ncate']/@_Identifier\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\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/APPRA\nISER/APPRAISER_LICENSE[@_Type='Licens\ne']/@_Identifier\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nor Other (describe)\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"} diff --git a/chunks/json/21c0c8655bc4fc0b474ff48796f79c9ffc079df484273e63f56191b9580bb230.json b/chunks/json/21c0c8655bc4fc0b474ff48796f79c9ffc079df484273e63f56191b9580bb230.json new file mode 100644 index 0000000000000000000000000000000000000000..aa004f7dc7d5c9d575a8c053a51d1d9af4342779 --- /dev/null +++ b/chunks/json/21c0c8655bc4fc0b474ff48796f79c9ffc079df484273e63f56191b9580bb230.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/21d81877377ecb9d430ca853d606e5c43d2120a5e3aa2da4f53542154977997c.json b/chunks/json/21d81877377ecb9d430ca853d606e5c43d2120a5e3aa2da4f53542154977997c.json new file mode 100644 index 0000000000000000000000000000000000000000..9937679504c19f71aac209ec2029863c5272e669 --- /dev/null +++ b/chunks/json/21d81877377ecb9d430ca853d606e5c43d2120a5e3aa2da4f53542154977997c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":2130,"char_start":0,"chunk_id":"chk_58800f315cd53d13","chunk_index":0,"chunk_sha256":"21d81877377ecb9d430ca853d606e5c43d2120a5e3aa2da4f53542154977997c","date_utc":"2026-01-27T18:02:36+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bf267ec450438488","text_sha256":"21d81877377ecb9d430ca853d606e5c43d2120a5e3aa2da4f53542154977997c","token_estimate":533,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-september-release-notes-sept-20-2024.pdf"]},"text":"Desktop Underwriter Validation Service\nRelease Notes\n\nJuly 31, 2024\n\nOn September 20, 2024, Fannie Mae will update the Desktop Underwriter® (DU®) validation service to introduce enhancements to\nimprove the digital verification of income and employment for loan casefiles submitted or resubmitted on or after September 20,\n2024. The enhancements apply to loan casefiles for which employment or income is validated using an asset verification report.\nThese enhancements include:\n\n• Dynamic employment validation close by dates\n\n• New report type to extend borrower employment validation\n\n•\n\nExpanded eligibility for income and employment validation messaging\n\nNote: These enhancements are available to all lenders, though lenders must opt-in to be activated to have access to\nthis functionality. Desktop Originator® (DO®) lenders need their sponsoring lenders to opt in to receive this\nfunctionality.\n\nDynamic Employment Validation Close-by Dates\n\nWhen employment is validated using an asset verification report, DU will apply a close-by date that is 15-days from the report\n“Current As-of Date,” or up to the next expected income deposit date (whichever is greater). For example, when borrowers are\npaid monthly, the next expected income deposit date may be up to 30 days after the report date. Therefore, this enhancement\nwill allow lenders greater flexibility when verifying a borrower’s employment status.\n\nThe close-by date that applies to each employment will be provided in the DU Findings message indicating employment is\nvalidated.\n\nNew Report Type to Extend Borrower Employment Validation\n\nOn March 6, 2024, the Selling Guide was updated to permit manual reverification of employment using a supplemental deposit-\nbased asset verification report. Supplemental asset verification reports are provided by some report vendors for employment\nreverification and contain asset account details without deposit amounts and account balances. This release will automate the\nuse of the supplemental asset verification report to extend employment validation when employment was previously validated\nusing an asset verification report.\n"} diff --git a/chunks/json/21dbe467aa722e4ca23ab6a0cdb1caa8b720628fb58067291adcd2af70752916.json b/chunks/json/21dbe467aa722e4ca23ab6a0cdb1caa8b720628fb58067291adcd2af70752916.json new file mode 100644 index 0000000000000000000000000000000000000000..de714362b37084f07bfe93f8df7df8d80d1d58cb --- /dev/null +++ b/chunks/json/21dbe467aa722e4ca23ab6a0cdb1caa8b720628fb58067291adcd2af70752916.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1756,"char_start":1722,"chunk_id":"chk_584351a60cf1998f","chunk_index":1,"chunk_sha256":"21dbe467aa722e4ca23ab6a0cdb1caa8b720628fb58067291adcd2af70752916","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_63a062ba0015fe4b","text_sha256":"21dbe467aa722e4ca23ab6a0cdb1caa8b720628fb58067291adcd2af70752916","token_estimate":12,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-integration-impact-memo-feb-10-2024.pdf","below_target_min_tokens"]},"text":"© 2023 Fannie Mae 12.20.23 1 of 1\n"} diff --git a/chunks/json/21df107b1c92dd5f363fe15f788a5fca85b9c3392ded702da1aa1c12a0f672a0.json b/chunks/json/21df107b1c92dd5f363fe15f788a5fca85b9c3392ded702da1aa1c12a0f672a0.json new file mode 100644 index 0000000000000000000000000000000000000000..0f6357865990c73cb3266ea50f8eb6c4facc556e --- /dev/null +++ b/chunks/json/21df107b1c92dd5f363fe15f788a5fca85b9c3392ded702da1aa1c12a0f672a0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1717,"char_start":0,"chunk_id":"chk_fd26b00dbf5185d1","chunk_index":0,"chunk_sha256":"21df107b1c92dd5f363fe15f788a5fca85b9c3392ded702da1aa1c12a0f672a0","date_utc":"2026-01-27T17:54:30+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_62d8d394812ef7ec","text_sha256":"21df107b1c92dd5f363fe15f788a5fca85b9c3392ded702da1aa1c12a0f672a0","token_estimate":527,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Pu_dzrih.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/uad/puf\"\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/21dfc6226b47968d601381f664b6b286fe460b500adb5d06aa95105090c61e70.json b/chunks/json/21dfc6226b47968d601381f664b6b286fe460b500adb5d06aa95105090c61e70.json new file mode 100644 index 0000000000000000000000000000000000000000..6d7d7eacb20f960b3d7834fa590e44ebd7d21fc5 --- /dev/null +++ b/chunks/json/21dfc6226b47968d601381f664b6b286fe460b500adb5d06aa95105090c61e70.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12867,"char_start":11252,"chunk_id":"chk_1dc9d3256cd1d3d9","chunk_index":7,"chunk_sha256":"21dfc6226b47968d601381f664b6b286fe460b500adb5d06aa95105090c61e70","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_f8f303c735d8700c","text_sha256":"21dfc6226b47968d601381f664b6b286fe460b500adb5d06aa95105090c61e70","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/_.xml/2- to 4-unit_Scenario_2_Appraisal_v1.1.xml"]},"text":"1200\n\n2\n\n1\n\n2\n\n0\n\nC3\n\nPatio\n\nAmenities\n\nSimilar\n\nMost\n\n2600\n\nPatio\n\nAmenities\n\nSimilar\n\nMost\n\n2600\n\n2.25\n\n2022-03\n\n2700\n\nPropertyPhoto\n\n\\\\Images\\181Cattledrive.png\n\nimage/png\n\n25.165172\n\n-51.328126\n\nfalse\n\nfalse\n\nfalse\n\n181 Cattledrive St\n\nUnit\n\nC\n\nAnyplace\n\n01234\n\nTX\n\nNorth\n\n2\n\n3\n\nDwelling\n\n1200\n\n2\n\n2\n\n2\n\n0\n\nC3\n\nBalcony\n\nAmenities\n\nSimilar\n\nMost\n\n2600\n\nBalcony\n\nAmenities\n\nSimilar\n\nMost\n\n2600\n\n2.25\n\n2022-07\n\n2700\n\nPropertyPhoto\n\n\\\\Images\\181Cattledrive.png\n\nimage/png\n\n25.165172\n\n-51.328126\n\nfalse\n\nfalse\n\nfalse\n\n123 Something Pl\n\nUnit\n\n1\n\nAnyplace\n\n01234\n\nTX\n\nSouth\n\n3\n\n4.5\n\nDwelling\n\n1250\n\n2\n\n1\n\n2\n\n0\n\nC4\n\nPatio\n\nAmenities\n\nSimilar\n\nLess\n\n2550\n\nPatio\n\nAmenities\n\nSimilar\n\nLess\n\n2550\n\n2.00\n\n2022-07\n\n2500\n\nPropertyPhoto\n\n\\\\Images\\123Something.png\n\nimage/png\n\n25.165171\n\n-51.328127\n\nfalse\n\nfalse\n\nfalse\n\n123 Something Pl\n\nUnit\n\n3\n\nAnyplace\n\n01234\n\nTX\n\nSouth\n\n4\n\n4.5\n\nDwelling\n\n1250\n\n2\n\n2\n\n2\n\n0\n\nC4\n\nNone\n\nAmenities\n\nSimilar\n\nLess\n\n2575\n\nNone\n\nAmenities\n\nSimilar\n\nLess\n\n2575\n\n2.00\n\n2022-09\n\n2500\n\nPropertyPhoto\n\n\\\\Images\\123Something.png\n\nimage/png\n\n25.165171\n\n-51.328127\n\nfalse\n\nfalse\n\nfalse\n\n341 Nothing Dr\n\nUnit\n\n1\n\nAnyplace\n\n01234\n\nTX\n\nEast\n\n5\n\n3.5\n\nDwelling\n\n1050\n\n2\n\n1\n\n2\n\n0\n\nC3\n\nPatio\n\nAmenities\n\nSimilar\n\nMost\n\n2650\n\nPatio\n\nAmenities\n\nSimilar\n\nMost\n\n2650\n\n2.48\n\n2023-01\n\n2600\n\nPropertyPhoto\n\n\\\\Images\\341Nothing.png\n\nimage/png\n\n25.16517\n\n-51.328128\n\nfalse\n\nfalse\n\nfalse\n\n341 Nothing Dr\n\nUnit\n\n4\n\nAnyplace\n\n01234\n\nTX\n\nEast\n\n6\n\n3.5\n\nDwelling\n\n1050\n\n2\n\n2\n\n2\n\n0\n\nC3\n\nBalcony\n\nAmenities\n\nSimilar\n\nMost\n\n2650\n\nBalcony\n\nAmenities\n\nSimilar\n\nMost\n\n2650\n\n2.48\n\n2023-02\n\n2600\n\nPropertyPhoto\n\n\\\\Images\\341Nothing.png\n"} diff --git a/chunks/json/21ed88149d56c9fa195c7167f75299b3e1e2ac16fe42b33f74e0011873b399db.json b/chunks/json/21ed88149d56c9fa195c7167f75299b3e1e2ac16fe42b33f74e0011873b399db.json new file mode 100644 index 0000000000000000000000000000000000000000..aa4e1855ee7fc660a48388ab6c6482bbee20c146 --- /dev/null +++ b/chunks/json/21ed88149d56c9fa195c7167f75299b3e1e2ac16fe42b33f74e0011873b399db.json @@ -0,0 +1 @@ +{"chunk":{"char_end":658288,"char_start":656609,"chunk_id":"chk_e57e382c5d48623d","chunk_index":389,"chunk_sha256":"21ed88149d56c9fa195c7167f75299b3e1e2ac16fe42b33f74e0011873b399db","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"21ed88149d56c9fa195c7167f75299b3e1e2ac16fe42b33f74e0011873b399db","token_estimate":420,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"481\n\n482\n\n483\n\n484\n\n485\n\n486\n\n487\n\n488\n\n489\n\n490\n\n491\n\n4\n\n4\n\n4\n\n4\n\n5\n\n5\n\n5\n\n5\n\n6\n\n6\n\n6\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\n2\n\n3\n\n4\n\nHEADER\n\nBLANK\n\nHEADER\n\nFile #\n\nHEADER\n\nBLANK\n\n4a\n\nHEADER\n\nBLANK\n\n2\n\n3\n\n4\n\nHEADER\n\nBLANK\n\nHEADER\n\nFile #\n\nHEADER\n\nBLANK\n\nReport Title\nDescription\n\nAppraiser File\nIdentifier\n\nAppraiser\nAdditional File\nIdentifier Name\n\nReport Title\nDescription\n\nAppraiser File\nIdentifier\n\nAppraiser\nAdditional File\nIdentifier Name\n\nReport Title\nDescription\n\nAppraiser File\nIdentifier\n\nAppraiser\nAdditional File\nIdentifier Name\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\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\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\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifierName\n\n50\n\nString\n\nAppraiser\nAdditional File\nIdentifier\n\nUsed to indicate by name the type of\nidentifier represented by\nAppraisersAdditionalFileIdentifier.\n"} diff --git a/chunks/json/21f1a70dbefa2276933b3ff4a58ab947d76b79b27593b516c013186d01042241.json b/chunks/json/21f1a70dbefa2276933b3ff4a58ab947d76b79b27593b516c013186d01042241.json new file mode 100644 index 0000000000000000000000000000000000000000..b1aebf21c7fc9bbd5e468a758c3a02baa12d446c --- /dev/null +++ b/chunks/json/21f1a70dbefa2276933b3ff4a58ab947d76b79b27593b516c013186d01042241.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1728,"char_start":0,"chunk_id":"chk_70dae37ae09c84aa","chunk_index":0,"chunk_sha256":"21f1a70dbefa2276933b3ff4a58ab947d76b79b27593b516c013186d01042241","date_utc":"2026-01-27T17:54:23+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_742857baa62f12ec","text_sha256":"21f1a70dbefa2276933b3ff4a58ab947d76b79b27593b516c013186d01042241","token_estimate":527,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Public_Engagements___FHFA_9adje7.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/news/public-engagements\"\ndate_accessed: \"2026-01-27T17:54:20.282Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/21f968d195f40ebda80163b22283057815cea4addf34a85d640d99a5e5885c90.json b/chunks/json/21f968d195f40ebda80163b22283057815cea4addf34a85d640d99a5e5885c90.json new file mode 100644 index 0000000000000000000000000000000000000000..355cb5b6f724353c1902b2b6093fa39602b20e86 --- /dev/null +++ b/chunks/json/21f968d195f40ebda80163b22283057815cea4addf34a85d640d99a5e5885c90.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1751,"char_start":0,"chunk_id":"chk_9be6bfa3c6fdfc04","chunk_index":0,"chunk_sha256":"21f968d195f40ebda80163b22283057815cea4addf34a85d640d99a5e5885c90","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6cc087c08f0855a5","text_sha256":"21f968d195f40ebda80163b22283057815cea4addf34a85d640d99a5e5885c90","token_estimate":529,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Neighborhood_Stabilization_Initiative__NSI____FHFA_60i2ek.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/programs/neighborhood-stabilization-initiative\"\ndate_accessed: \"2026-01-27T17:48:04.322Z\"\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/21ff1fef2b8db01f522292ada050b6e7aa5603273af38ef29043861c588efaad.json b/chunks/json/21ff1fef2b8db01f522292ada050b6e7aa5603273af38ef29043861c588efaad.json new file mode 100644 index 0000000000000000000000000000000000000000..3b0c29d7a2dbb28d0906c21aa3e986e41f76a2cd --- /dev/null +++ b/chunks/json/21ff1fef2b8db01f522292ada050b6e7aa5603273af38ef29043861c588efaad.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8088,"char_start":6485,"chunk_id":"chk_7446caa1ee8453bd","chunk_index":4,"chunk_sha256":"21ff1fef2b8db01f522292ada050b6e7aa5603273af38ef29043861c588efaad","date_utc":"2026-01-27T18:07:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_221a19b69e218256","text_sha256":"21ff1fef2b8db01f522292ada050b6e7aa5603273af38ef29043861c588efaad","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/_.pdf/SF5A_Appraisal_v1.1.pdf"]},"text":"Page 5 of 19\nPage 5 of 19\n\nDwelling Exterior (continued)\n\nQuality and Condition\n\nExterior Quality Rating\n\nQ4\n\nExterior Condition Rating\n\nC3\n\nThe table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report\n\nExterior Features\n\nFeature\nExterior Walls and Trim\n\nFoundation\n\nRoof\n\nWindows\n\nQuality Comment\n\nDetail\nBrick | Wood\n\nPoured Concrete | Slab\n\nAsphalt\nEstimated Age: 1-10 years\n\nVinyl thermal pane - double\nhung\n\nStandard grade\nmaterials used\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nNew or Like New\n\nTypical Wear and Tear\n\nCondition Comment\n\nCheck #A\n\nMechanical System Details\n\nHeating\n\nCooling\n\nSystem\nForced Warm Air\n\nCentralized\n\nDetail\nNatural Gas\n\nCore Heating System Below Grade\n\nOther Mechanical Systems\n\nWater Heater\n\nYes No\n \n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior)\n\nNone\n\nUnit Interior\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\nLevel and Room Detail\n\n1,260 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\nPhysical Measurement\n\nLevels in Unit\nOccupancy\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n1\nOwner\n3\n2\n0\n\nLevel in Unit\nLevel 1\n\nGrade Level Detail\nAbove Grade\n\nFinish\nFinished\n\nArea\n1,260 Sq. Ft.\n\nRoom Summary\n2 - Bath - Full\n3 - 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"} diff --git a/chunks/json/21ff90009ec13f7eb60355e37845df495e1a364fcc43627f67510833a40c4343.json b/chunks/json/21ff90009ec13f7eb60355e37845df495e1a364fcc43627f67510833a40c4343.json new file mode 100644 index 0000000000000000000000000000000000000000..9fdd57887901f0c14c1e8e74e9b83b58e0520df0 --- /dev/null +++ b/chunks/json/21ff90009ec13f7eb60355e37845df495e1a364fcc43627f67510833a40c4343.json @@ -0,0 +1 @@ +{"chunk":{"char_end":588988,"char_start":587383,"chunk_id":"chk_5d5566f86073fe77","chunk_index":339,"chunk_sha256":"21ff90009ec13f7eb60355e37845df495e1a364fcc43627f67510833a40c4343","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"21ff90009ec13f7eb60355e37845df495e1a364fcc43627f67510833a40c4343","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Apparent Defects, Damages, Deficiencies (Unit Interior)\n\nNone\n\nUnit Interior Commentary\n\nThe dwelling has been well-maintained and exhibits only minimal wear and tear.\n\nUnit Interior Exhibits\n\nLevel 1 - Kitchen\n\nLevel 1 - Bath - Full - Primary Bath\n\nThis is where the Kitchen photo would display.\n\nThis is where the Bath 1 photo would display.\n\nLevel 1 - Bath - Full - Bath 2\n\nLevel 1 - Bedroom - Primary Bedroom\n\nThis is where the Bath 2 photo would display.\n\nThis is where the 1st Bedroom photo would display.\n\nLevel 1 - Bedroom - Second Bedroom\n\nLevel 1 - Bedroom - Third Bedroom\n\nThis is where the 2nd Bedroom photo would display.\n\nThis is where the 3rd Bedroom photo would display.\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5)\n\nUniform Residential Appraisal Report\n\nPage 7 of 19\nPage 7 of 19\n\nUnit Interior (continued)\n\nLevel 1 - Dining Room\n\nLevel 1 - Living Room\n\nThis is where the Dining Room photo would display.\n\nThis is where the Living Room photo would display.\n\nFunctional Obsolescence\n\nFunctional Issues\n\nNone\n\nVehicle Storage\n\nStorage\nDriveway\n\nNumber of Parking Spaces\n3\n\nDetail\nConcrete\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\nNone\n\nVehicle Storage Exhibits\n\nDriveway\n\nThis is where the Driveway photo would display.\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5)\n\nUniform Residential Appraisal Report\n\nPage 8 of 19\nPage 8 of 19\n\nSubject Property Amenities\n"} diff --git a/chunks/json/2201ba267515a08eb172bcc9cbafd35b8cc05607551bff4bbdd9005ae7c7365e.json b/chunks/json/2201ba267515a08eb172bcc9cbafd35b8cc05607551bff4bbdd9005ae7c7365e.json new file mode 100644 index 0000000000000000000000000000000000000000..8b27c5aa4a109030ebb3cabfedd3beb7fec15292 --- /dev/null +++ b/chunks/json/2201ba267515a08eb172bcc9cbafd35b8cc05607551bff4bbdd9005ae7c7365e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":112434,"char_start":110871,"chunk_id":"chk_eebdbab925b71b17","chunk_index":112,"chunk_sha256":"2201ba267515a08eb172bcc9cbafd35b8cc05607551bff4bbdd9005ae7c7365e","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"2201ba267515a08eb172bcc9cbafd35b8cc05607551bff4bbdd9005ae7c7365e","token_estimate":410,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Appendix E: Report Style Guide\n\nPage 61 of 90\n\nVersion 1.4\n\nWater Frontage with Private Access\n\n•\n\n•\n\n“Water Frontage with Private Access” sets as TB-SCA_sub-H1-ADJ.\n\n“Water Frontage,” “Permanent Waterfront Feature” set as TB.\n\no “Right to Build” sets as TB-I.\n\n•\n\n“Total Linear Measurement” sets as TB.\n\nDwelling(s)\n\n•\n\n•\n\n“Dwelling(s)” sets as TB-SCA_sub-H1.\n\n“Year Built,” “Structure Design,” “Gross Building Finished Area,” “Noncontinuous Finished Area,”\n“Townhouse End Unit,” “Townhouse Back to Back,” “Townhouse Location,” “Construction Method,”\n“Manufactured Home Width,” “Dwelling Style,” “Total Dwelling Volume,” “Window Surface Area,”\n“Functional Issues,” “Disaster Mitigation,” “Heating,” “Cooling,” “[Additional Row]” set as TB.\n\nEnergy Efficient and Green Features\n\nUnit(s)\n\n•\n\n•\n\n•\n\n•\n\n•\n\n“Energy Efficient and Green Features” sets as TB-SCA_sub-H1-ADJ\n\n“Renewable Energy Component,” Building Certification,” “Efficiency Rating” set as TB.\n\n“Unit(s)” sets as TB-SCA_sub-H1.\n\n“Structure ID | Unit ID,” “Location of ADU” set in first column as TB-B.\n\n“Floor Number,” “Corner Unit,” “Levels in Unit,” “Bedrooms,”\n“Baths - Full | Half,” “Finished Area Above Grade,” “Finished Area Above Grade (Nonstandard),”\n“Unfinished Area Above Grade,” “Finished Area Below Grade,” “Finished Area Below Grade\n(Nonstandard),” “Unfinished Area Below Grade,” “Features for Individuals w/Disabilities,” “[Additional\nRow]” set as TB.\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\n•\n\n•\n\n•\n\n“Quality and Condition (Ratings: 1-6, 1 is highest)” sets as TB-SCA_sub-H1\n"} diff --git a/chunks/json/22190dd12f2e745095b9ea0750fc0f687f1c97df6168e2055d10a98dccab1671.json b/chunks/json/22190dd12f2e745095b9ea0750fc0f687f1c97df6168e2055d10a98dccab1671.json new file mode 100644 index 0000000000000000000000000000000000000000..0191703c272b3af6e45b0dc7864a89876dfd32d0 --- /dev/null +++ b/chunks/json/22190dd12f2e745095b9ea0750fc0f687f1c97df6168e2055d10a98dccab1671.json @@ -0,0 +1 @@ +{"chunk":{"char_end":26939,"char_start":25240,"chunk_id":"chk_2bc9767ff359c47d","chunk_index":15,"chunk_sha256":"22190dd12f2e745095b9ea0750fc0f687f1c97df6168e2055d10a98dccab1671","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_698a10a0e5f6da7f","text_sha256":"22190dd12f2e745095b9ea0750fc0f687f1c97df6168e2055d10a98dccab1671","token_estimate":425,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Hybrid_70H.pdf"]},"text":"I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all\n\n15.\nstatements and information in this appraisal report are true and correct.\n\nI stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which\n\n16.\nare subject only to the assumptions and limiting conditions in this appraisal report.\n\n17.\nI 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\nI personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I\n"} diff --git a/chunks/json/221fd61f24cfebe0c0858b93e0bfe0f7bc6f759b5d6114da2c8785bb11276fd9.json b/chunks/json/221fd61f24cfebe0c0858b93e0bfe0f7bc6f759b5d6114da2c8785bb11276fd9.json new file mode 100644 index 0000000000000000000000000000000000000000..3c04c24328f227a9d5a40eaef4fe6c2c1bed3f24 --- /dev/null +++ b/chunks/json/221fd61f24cfebe0c0858b93e0bfe0f7bc6f759b5d6114da2c8785bb11276fd9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9003,"char_start":7084,"chunk_id":"chk_f81a8b373d339930","chunk_index":4,"chunk_sha256":"221fd61f24cfebe0c0858b93e0bfe0f7bc6f759b5d6114da2c8785bb11276fd9","date_utc":"2026-01-27T17:47:54+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ad59aee898368d7c","text_sha256":"221fd61f24cfebe0c0858b93e0bfe0f7bc6f759b5d6114da2c8785bb11276fd9","token_estimate":506,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Deemed_Issuance_Ratio___FHFA_982lik.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\nPolicy\n\n# Deemed-Issuance Ratio\n\n## Breadcrumb\n\n- [Home](/)\n - [Policy](/policy)\n - Deemed-Issuance Ratio\n\nThe Federal Housing Finance Agency (FHFA) [announced](/news/news-release/fhfa-announces-deemed-issuance-ratio-for-2019) the first deemed-issuance ratio (for the 2019 calendar year) in accordance with Internal Revenue Service (IRS) guidelines on the trading of the Uniform Mortgage-Backed Security on December 6, 2018. IRS [Revenue Procedure 2018-54](https://www.irs.gov/pub/irs-drop/rp-18-54.pdf) calls for FHFA to determine a deemed-issuance ratio for each calendar year based on the ratio of TBA-eligible securities issued by Fannie Mae and Freddie Mac during the 24-month period ending October 31 of the preceding year.\n"} diff --git a/chunks/json/2234a0098422d4da2fc2f467c776e80331f6b2ab6a20f505809d98f208a8ba93.json b/chunks/json/2234a0098422d4da2fc2f467c776e80331f6b2ab6a20f505809d98f208a8ba93.json new file mode 100644 index 0000000000000000000000000000000000000000..22138f5ba6ba3057accb41493d001375cb243868 --- /dev/null +++ b/chunks/json/2234a0098422d4da2fc2f467c776e80331f6b2ab6a20f505809d98f208a8ba93.json @@ -0,0 +1 @@ +{"chunk":{"char_end":389992,"char_start":388389,"chunk_id":"chk_e3a9da027911e93e","chunk_index":228,"chunk_sha256":"2234a0098422d4da2fc2f467c776e80331f6b2ab6a20f505809d98f208a8ba93","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2234a0098422d4da2fc2f467c776e80331f6b2ab6a20f505809d98f208a8ba93","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Data Field\nConditionality\n1073/465\n\nData Field\nConditionality 1073\nHybrid/465H\n\nData Field\nConditionality 1073\nDesktop/465D\n\n42\n\n1\n\ne-2\n\nSUBJECT\n\nReport data source(s) used,\noffering price(s), and date(s).\n\nGSE Days On\nMarket Description\n\nThe total number of continuous days from\nthe date that a property is listed or\nadvertised for sale through the date that it\nis taken off the market or contracted for\nsale.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_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/@GSEDaysOnMarketDescription\n\nUAD Requirement - Refer to Appendix D Subject Section\n\n4\n\nString\n\nMust provide a whole number or \"Unk\" if not known.\n\nIf field 1-39 is indicated, this field must\nbe indicated.\n\nCR\n\nCR\n\nCR\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Subject Section\n\nIf there are no current or prior offerings in the 12 months prior to the effective date of\nthe appraisal, then this field must indicate the data sources used to establish this fact.\nAny relevant additional comments must also go in this field.\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\n43\n\n1\n\n41\n\nSUBJECT\n\nReport data source(s) used,\noffering price(s), and date(s).\n\nListed Within\nPrevious Year\nDescription\n"} diff --git a/chunks/json/22523f9393c6dcad27aa781f07bb1b269e07a0fb69ad4f0bfc878f1771f4817c.json b/chunks/json/22523f9393c6dcad27aa781f07bb1b269e07a0fb69ad4f0bfc878f1771f4817c.json new file mode 100644 index 0000000000000000000000000000000000000000..08e2aed8f820c64e82898db784b62a991818faea --- /dev/null +++ b/chunks/json/22523f9393c6dcad27aa781f07bb1b269e07a0fb69ad4f0bfc878f1771f4817c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":28917,"char_start":27275,"chunk_id":"chk_e1440b067cdb3765","chunk_index":13,"chunk_sha256":"22523f9393c6dcad27aa781f07bb1b269e07a0fb69ad4f0bfc878f1771f4817c","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bc0c11220168b9d2","text_sha256":"22523f9393c6dcad27aa781f07bb1b269e07a0fb69ad4f0bfc878f1771f4817c","token_estimate":411,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2011-24791 (1).pdf"]},"text":"FHFA currently receives multiple\nborrower credit score information in the\nform of credit scores from the\nEnterprises, representing each borrower,\ncredit reporting agency and date\nassociated with the credit score\nissuance. New data field 60, released in\n\nNational File C, designates the borrower\ncredit score most applicable to the high-\ncost securitized loan. This credit score\nis derived by first selecting from all of\nthe borrower’s credit scores only the\nscores between 300 and 1000, which\nFHFA views as a reasonable range of\ncredit score values. The earliest credit\nscore date of those scores, i.e., the date\nclosest to the loan origination date, is\nthen identified, and only those scores\nhaving that date are selected. The lowest\nborrower number of those remaining\nscores, which represents the primary\nborrower, is then identified and only\nthose scores having that borrower\nnumber are selected. Finally, the lowest\ncredit score of those remaining scores is\nselected as the score most likely to be\nreflected in determining the loan’s\ninterest rate and resulting HMDA rate\nspread. The data will be released using\nthe following values: 1 = less than 620;\n2 = 620–<660; 3 = 660–<700; 4 = 700–\n<760; 5 = 760 or greater; 9 = Missing.\n\nE. Other Relevant Data\n\nSection 1324(b)(6)(E), in conjunction\nwith section 1326(d)(2), requires public\ndisclosure of any other relevant data\nwith respect to the high-cost securitized\nloan, as determined by the Director.\nInclusion in National File C of certain\nfields that are also included in other\nPUDB Files will allow useful\ncomparisons of the high-cost securitized\nloan data to data in those other Files.\n"} diff --git a/chunks/json/225474d50ddd4afa4ca839065ded00a2d974a58c03677c26f8ad3cf991041861.json b/chunks/json/225474d50ddd4afa4ca839065ded00a2d974a58c03677c26f8ad3cf991041861.json new file mode 100644 index 0000000000000000000000000000000000000000..dd3f0d195353f5cd6a24900344cdbf04a4eb0ef8 --- /dev/null +++ b/chunks/json/225474d50ddd4afa4ca839065ded00a2d974a58c03677c26f8ad3cf991041861.json @@ -0,0 +1 @@ +{"chunk":{"char_end":132381,"char_start":130783,"chunk_id":"chk_d7c000137bc37501","chunk_index":76,"chunk_sha256":"225474d50ddd4afa4ca839065ded00a2d974a58c03677c26f8ad3cf991041861","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"225474d50ddd4afa4ca839065ded00a2d974a58c03677c26f8ad3cf991041861","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Required if Property\non Native American\nLands is Yes\n\nSubject Property: Property Rights\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nOwnership interest in the property\n•\n•\n•\n\nFee Simple\nLeasehold\nOther (Describe)\n\nYes | No\n\nIndicates whether the property is in a Community Land Trust.\n\nChoose an\nallowable answer\nfrom table (Native\nAmerican Lands)\n\nNative American Lands Type: The legal means by which Native American land is\nowned.\n•\n•\n•\n•\n\nAlaska Native Corporation Land\nHawaiian Home Lands\nTribal Trust Land\nOther (Describe)\n\nAllowable Answer\n\nAlaska Native Corporation\nLand\n\nNative American Lands (Choose one)\n\nDefinition / Additional Guidance\n\nLand that is owned by a Native American tribe and was conveyed by the United States to a Native Corporation pursuant to\nthe Alaska Native Claims Settlement Act (43 U.S.C. 1601 et seq.) or that was conveyed by the United States to a Native\nCorporation in exchange for such land.\n\nHawaiian Home Lands\n\nPublic land held in trust by the State of Hawaii, Department of Hawaiian Home Lands for native Hawaiians.\n\nTribal Trust Land\n\nLand held in trust by the United States government for the benefit of the particular tribe. This type of land may not be\nmortgaged. The tribe executes a lease (approved by HUD/BIA) with the tribal member. The collateral for loans on these\ntypes of lands is improvements on the land and the lease. The title to the structure and leasehold estate is conveyed but\nnot title to the land itself (it would remain trust for the tribe).\n"} diff --git a/chunks/json/2259a1fb790e55f20438a099795153a0e170c781e55ec6970f3113f13e1bede4.json b/chunks/json/2259a1fb790e55f20438a099795153a0e170c781e55ec6970f3113f13e1bede4.json new file mode 100644 index 0000000000000000000000000000000000000000..546492c79d4860823ca2bd8d2f71c765c5c08571 --- /dev/null +++ b/chunks/json/2259a1fb790e55f20438a099795153a0e170c781e55ec6970f3113f13e1bede4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1755,"char_start":0,"chunk_id":"chk_a35fcda7107e8e68","chunk_index":0,"chunk_sha256":"2259a1fb790e55f20438a099795153a0e170c781e55ec6970f3113f13e1bede4","date_utc":"2026-01-27T17:54:26+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f6c9fdce45eb4beb","text_sha256":"2259a1fb790e55f20438a099795153a0e170c781e55ec6970f3113f13e1bede4","token_estimate":531,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Borrower_Education_Materials___FHFA_exj1cf.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/mortgage-translations/borrower-education-materials\"\ndate_accessed: \"2026-01-27T17:54:20.458Z\"\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/2259f8ccd0ebe8664a79cdfe965cc9b8892f7fa2ddea7a4aad93e0e5cecfdf16.json b/chunks/json/2259f8ccd0ebe8664a79cdfe965cc9b8892f7fa2ddea7a4aad93e0e5cecfdf16.json new file mode 100644 index 0000000000000000000000000000000000000000..76d91a0dfd56592e22bdc278383832dc5fd28314 --- /dev/null +++ b/chunks/json/2259f8ccd0ebe8664a79cdfe965cc9b8892f7fa2ddea7a4aad93e0e5cecfdf16.json @@ -0,0 +1 @@ +{"chunk":{"char_end":602560,"char_start":600960,"chunk_id":"chk_9fbe74a7072c7bc8","chunk_index":358,"chunk_sha256":"2259f8ccd0ebe8664a79cdfe965cc9b8892f7fa2ddea7a4aad93e0e5cecfdf16","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"2259f8ccd0ebe8664a79cdfe965cc9b8892f7fa2ddea7a4aad93e0e5cecfdf16","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"the Subject Property Amenities section.\n\n• Amenity Count may be used when there are no additional details about the amenity to be reported. Example: Amenity Examples in Subject\n\nProperty Amenities and Sales Comparison Approach\n\nAppendix F-1: URAR Reference Guide\n\nPage 263 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport\nField ID\n\nNot on\nReport\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\nThis is an\nappraiser\ninput that\ndoes not\ndisplay in the\nsales grid\n\nN/A\n\nAlways required\n\nYes | No\n\nSubject Property\nAmenities\n•\n\nProperty\nAmenities Exist\n14.000\n\nNo\n\nProperty Amenities Exist\nIndicates whether the property has amenities, excluding those\nattributable to the project, waterfront improvements, or site\ncharacteristics/view.\n\n22.12.01\n22.12.06\n\nOutdoor\nAccessories\n\nIf relevant\n\nIf applicable when the\nrow is included in the\nsales comparison grid\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nSubject Property\nAmenities\n•\n\nAmenity Category\n14.001 is Outdoor\nAccessories\nAmenity Type\n14.002\n\n22.12.01\n22.12.06\n\nOutdoor\nAccessories\n\nIf relevant\n\nIf applicable for the\nindicated outdoor\naccessory amenity\n\nNumber\n\nSubject Property\nAmenities\n•\n\nAmenity Count\n14.004\n\n22.12.02\n22.12.08\n\nOutdoor Living\n\nIf relevant\n\nIf applicable when the\nrow is included in the\nsales comparison grid\n\n22.12.03\n22.12.10\n\nWater\nFeatures\n\nIf relevant\n"} diff --git a/chunks/json/226141c6737900b14b19e47a0fbc74f4d088bd6f790e19ce1788bd925bb712cb.json b/chunks/json/226141c6737900b14b19e47a0fbc74f4d088bd6f790e19ce1788bd925bb712cb.json new file mode 100644 index 0000000000000000000000000000000000000000..b687370bd6cda96fa0e414d9a64741f18924ed0b --- /dev/null +++ b/chunks/json/226141c6737900b14b19e47a0fbc74f4d088bd6f790e19ce1788bd925bb712cb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9815,"char_start":9371,"chunk_id":"chk_c08c4cf14e854b60","chunk_index":13,"chunk_sha256":"226141c6737900b14b19e47a0fbc74f4d088bd6f790e19ce1788bd925bb712cb","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"226141c6737900b14b19e47a0fbc74f4d088bd6f790e19ce1788bd925bb712cb","token_estimate":409,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"Appraiser .................................................................................................................................................................................................................... 50\n\nSupervisory Appraiser ................................................................................................................................................................................................ 50\n"} diff --git a/chunks/json/2268b986ead84c3228c7482d3c849c7143584c6b8b504475de3d5cdf820f43c2.json b/chunks/json/2268b986ead84c3228c7482d3c849c7143584c6b8b504475de3d5cdf820f43c2.json new file mode 100644 index 0000000000000000000000000000000000000000..e139a805975ff85b613ab78f8060e4176bea0d8c --- /dev/null +++ b/chunks/json/2268b986ead84c3228c7482d3c849c7143584c6b8b504475de3d5cdf820f43c2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":251,"char_start":0,"chunk_id":"chk_c0689f9a22f08877","chunk_index":0,"chunk_sha256":"2268b986ead84c3228c7482d3c849c7143584c6b8b504475de3d5cdf820f43c2","date_utc":"2026-01-27T17:46:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6fe7d203f7e30930","text_sha256":"2268b986ead84c3228c7482d3c849c7143584c6b8b504475de3d5cdf820f43c2","token_estimate":81,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Single_Family_Homepage___Fannie_Mae_vjl8b.md","below_target_min_tokens"]},"text":"---\nsource_url: \"https://singlefamily.fanniemae.com/\"\ndate_accessed: \"2026-01-27T17:46:01.901Z\"\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/226aefc022656e2f4f7f85487db280c772514cf02aecc9cd9b99c45e28eac454.json b/chunks/json/226aefc022656e2f4f7f85487db280c772514cf02aecc9cd9b99c45e28eac454.json new file mode 100644 index 0000000000000000000000000000000000000000..0f244d60185cd271f9b8228e4f9918812d0cb155 --- /dev/null +++ b/chunks/json/226aefc022656e2f4f7f85487db280c772514cf02aecc9cd9b99c45e28eac454.json @@ -0,0 +1 @@ +{"chunk":{"char_end":127935,"char_start":126333,"chunk_id":"chk_3acd3d7d8e0fea08","chunk_index":153,"chunk_sha256":"226aefc022656e2f4f7f85487db280c772514cf02aecc9cd9b99c45e28eac454","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"226aefc022656e2f4f7f85487db280c772514cf02aecc9cd9b99c45e28eac454","token_estimate":400,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"3.000\n\n26.007\n\n26.074\n\n26.013\n\n26.011\n\n2.000\n\n2.001\n\n2.003\n\n20.004\n\n19.002\n\n26.009\n\n2.004\n\n2.017\n\nSubject\n\nReconciliation\n\nDisplay (Cooperative Interest) when it is displayed in Reconciliation.\n\nReconciliation\n\nReconciliation\n\nAssignment Information\n\nAssignment Information\n\nAssignment Information\n\nSales Contract | Reconciliation\n\nSubject Listing information\n−\nfor most recent listing\n\nReconciliation\n\nAssignment Information\n\nAssignment Information\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nExample:\n\nIn Figure 1 - 1, the Summary section redisplays Opinion of Market Value, Effective Date of Appraisal, and Market Value Condition from the\nReconciliation section of the report.\n\nPage 70\n\nFigure 1 - 1\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nProperty Description\n\nThe Property Description subsection always displays.\n\nPage 71\n\nReport\nField ID\n\nReport Label\n\n1.012\n\nConstruction Method\n\nSummary: Property Description\n\nSource\nField ID\n\n8.011\n\nOriginal Section\n\nDwelling Exterior – display all unique values for each occurrence of\nConstructionMethodType when ImprovementType = “Dwelling”\nIf there are multiple unique construction methods, display as stacked on a\nseparate line.\n\n1.013\n\nAttachment Type\n\n3.004\n\nSubject Property\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 72\n\nOriginal Section\n\nSummary: Property Description\n\nReport\nField ID\n\nReport Label\n\n1.014\n\nStructure Design\n\n1.015\n\nPlanned Unit Development (PUD)\n\n1.016\n\nCondominium\n\n1.017\n\nCooperative\n\n1.018\n\nCondop\n\n1.019\n\nObserved Project Deficiencies\n\n1.020\n\nSubject Site Owned in Common\n\n1.021\n\nUnits Excluding ADUs\n\n1.022\n"} diff --git a/chunks/json/2280036104fef74eac497e5fa7ce0c4c093c985dddad716219272bbe00156c1b.json b/chunks/json/2280036104fef74eac497e5fa7ce0c4c093c985dddad716219272bbe00156c1b.json new file mode 100644 index 0000000000000000000000000000000000000000..810bef5e13254ce516e5ac6bb19fd354a24c4182 --- /dev/null +++ b/chunks/json/2280036104fef74eac497e5fa7ce0c4c093c985dddad716219272bbe00156c1b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14517,"char_start":12918,"chunk_id":"chk_ce309927714cd576","chunk_index":8,"chunk_sha256":"2280036104fef74eac497e5fa7ce0c4c093c985dddad716219272bbe00156c1b","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_ad0b9497c249c913","text_sha256":"2280036104fef74eac497e5fa7ce0c4c093c985dddad716219272bbe00156c1b","token_estimate":400,"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\n1992\n\nfalse\n\nStandard Dry Wall | Vaulted\n\nWallsAndCeiling\n\nFlooring\n\nNotUpdated\n\n728\n\n0\n\nfalse\n\n2\n\n1\n\n0\n\nC4\n\nQ4\n\nStandard\n\nNotUpdated\n\nUnit 1\n\nStandard\n\nKitchen\n\nNotUpdated\n\nStandard Dry Wall | Vaulted\n\nWallsAndCeiling\n\nFlooring\n\nNotUpdated\n\n728\n\n0\n\nfalse\n\n2\n\n1\n\n0\n\nC4\n\nQ4\n\nStandard\n\nNotUpdated\n\nUnit 2\n\nStandard\n\nKitchen\n\nNotUpdated\n\nEngineeredWood\n\nExteriorWallsAndTrim\n\nSlab\n\nFoundation\n\ntrue\n\nMetal\n\nTypicalWearAndTear\n\nRoof\n\nTypicalWearAndTear\n\nWindows\n\nC4\n\nQ4\n\n2\n\nBuilding 1\n\nNone\n\nPropertyPhoto\n\n\\\\Images\\2-4_Comp3.png\n\nimage/png\n\n87\n\n257500\n\nSettledSale\n\n25.165174\n\n-51.328127\n\nOcean Vista Park\n\nDeck\n\nPorch\n\nOutdoorLiving\n\n0\n\nDetached\n\n1\n\ntrue\n\n2\n\nC4\n\nQ4\n\ntrue\n\ntrue\n\nFeeSimple\n\nfalse\n\nfalse\n\n1456\n\nfalse\n\nMineralRights\n\nfalse\n\nfalse\n\n2019-03-20\n\n2019-05-30\n\n249750\n\nSale\n\nNotDisclosed\n\n2018-11-01\n\nSale\n\nEstateSale\n\nUSGSLavaFlowZone\n\nZone3\n\nfalse\n\nNone\n\nResidential\n\n43560\n\nFull\n\nResidential\n\nLegal\n\n8275 Youngish St\n\nSurfside\n\n12345\n\nHI\n\nNorth\n\n1\n\n.4\n\nDwelling\n\n864\n\n2\n\n1\n\n0\n\nC4\n\nSuperior\n\nMost\n\n900\n\nSimilar\n\nSimilar\n\nSimilar\n\nSimilar\n\nMost\n\n925\n\nSimilar\n\nSimilar\n\nSimilar\n\n1.07\n\nfalse\n\n2019-09\n\nNo\n\nfalse\n\nfalse\n\n925\n\nPropertyPhoto\n\n\\\\Images\\2-4_RC1.png\n\nimage/png\n\n19.508\n\n-154.876\n\nBay Hills\n\nfalse\n\nfalse\n\nfalse\n\n43560\n\n1337 Stone Back Blvd\n\nSurfside\n\n12345\n\nHI\n\nSouthEast\n\n2\n\n.4\n\nDwelling\n\n820\n\n2\n\n1\n\n0\n\nC4\n\nSuperior\n\nLess\n\n800\n\nSimilar\n\nSimilar\n\nSimilar\n\n0.98\n\nfalse\n\n2019-08\n\nNo\n\nfalse\n\nfalse\n\n800\n\nPropertyPhoto\n\n\\\\Images\\2-4_RC2.png\n\nimage/png\n\n19.498\n\n-154.866\n\nHillview\n\nfalse\n\nfalse\n\nfalse\n\n8250\n\n420 Long Ear Ave\n\nSurfside\n\n12345\n\nHI\n\nWest\n\n3\n\n1\n\nDwelling\n\n1056\n\n3\n"} diff --git a/chunks/json/22819efc4f06ed82d25931f3c58d2978efd07e5929aef84b86ba449666ca005b.json b/chunks/json/22819efc4f06ed82d25931f3c58d2978efd07e5929aef84b86ba449666ca005b.json new file mode 100644 index 0000000000000000000000000000000000000000..46ae159d5e2095d93b0898071c9a39ca1437bf1e --- /dev/null +++ b/chunks/json/22819efc4f06ed82d25931f3c58d2978efd07e5929aef84b86ba449666ca005b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":42360,"char_start":40522,"chunk_id":"chk_404e52b20647d256","chunk_index":22,"chunk_sha256":"22819efc4f06ed82d25931f3c58d2978efd07e5929aef84b86ba449666ca005b","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"22819efc4f06ed82d25931f3c58d2978efd07e5929aef84b86ba449666ca005b","token_estimate":460,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Number of separate living units on the subject property, not counting any\nADUs. ADUs are entered in a separate field (3.006) but are considered in the\noverall unit count.\nExamples:\n•\n\nA single-family property (with or without an ADU) is reported as 1 unit in\nthis field.\nA three-unit property (with or without an ADU) is reported as 3 units in\nthis field.\n\n•\n\nNumber of ADUs on Subject Property\nNotes:\n•\n•\n\nEnter zero (0) if there are no ADUs on the property.\nADUs may be in the dwelling, attached to the dwelling, or associated with\na separate building (outbuilding).\n\nUnit is an ADU: Indicates whether the unit is considered an accessory dwelling\nunit.\nNotes:\n•\n\nIf Number of ADUs on Subject Property 3.006 is zero, this question does\nnot display.\nIf Number of ADUs on Subject Property is 1 or more, this question displays\nin each instance of Unit Interior to identify which unit is the ADU.\n\nDefining the Property (PUD, Project, and Site Owned in Common)\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nReport\nField ID\n\n3.010\n\nAlways required\n\nYes | No\n\nPlanned Unit\nDevelopment\n(PUD)\n\n3.011\n3.012\n3.013\n\n3.011\n3.012\n3.013\n\n3.015\n\nCondominium\nCooperative\nCondop\n\nCondominium\nCooperative\nCondop\n\nSubject Site\nOwned in\nCommon\n\nAlways required\n\nYes | No\n\nRequired if Property in\na Project is Yes\n\nCondominium,\nCooperative, or\nCondop\n\nAlways required\n\nYes | No\n\nProperty in a PUD\nIndicates whether the property is in a PUD. A PUD is a subdivision that consists\nof common property and improvements that are owned and maintained by a\nhomeowners association (HOA) for the benefit and use of the individual PUD\nunit owners. A unit owner in the PUD has title to a residential property (parcel\nand dwelling) and an interest in the HOA that owns or manages the common\nareas and facilities of the PUD.\n"} diff --git a/chunks/json/22b41e8eb7b5cc7fed5bd627e9d60353b5e3bf56c4106c6634bd49e3afbf21ac.json b/chunks/json/22b41e8eb7b5cc7fed5bd627e9d60353b5e3bf56c4106c6634bd49e3afbf21ac.json new file mode 100644 index 0000000000000000000000000000000000000000..38e2da2efa074a86efbdfc8f167fad02ee39c5c7 --- /dev/null +++ b/chunks/json/22b41e8eb7b5cc7fed5bd627e9d60353b5e3bf56c4106c6634bd49e3afbf21ac.json @@ -0,0 +1 @@ +{"chunk":{"char_end":138399,"char_start":136802,"chunk_id":"chk_a9d9c72daba74772","chunk_index":81,"chunk_sha256":"22b41e8eb7b5cc7fed5bd627e9d60353b5e3bf56c4106c6634bd49e3afbf21ac","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"22b41e8eb7b5cc7fed5bd627e9d60353b5e3bf56c4106c6634bd49e3afbf21ac","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Data Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\n155\n\n156\n\n157\n\n158\n\n159\n\n160\n\n161\n\n162\n\n163\n\n164\n\n165\n\n166\n\n167\n\n168\n\n169\n\n170\n\n171\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\n148\n\nIMPROVEMENTS\n\n150\n\nIMPROVEMENTS\n\n151\n\nIMPROVEMENTS\n\nFoundation\nEvidence of\nInfestation\n\nFoundation\nDampness\n\nFoundation\nSettlement\n\nFoundation\nCondition Exists\nIndicator\nFoundation\nCondition Exists\nIndicator\nFoundation\nCondition Exists\nIndicator\n\nIndicates that the property does have\nthe condition specified in Foundation\nCondition Type.\nIndicates that the property does have\nthe condition specified in Foundation\nCondition Type.\nIndicates that the property does have\nthe condition specified in Foundation\nCondition Type.\n\n152\n\nIMPROVEMENTS\n\nExterior Description\nFoundation Walls\n\nExterior Feature\nDescription\n\nA free-form text field used to describe\nthe exterior feature.\n\n153\n\nIMPROVEMENTS\n\nExterior Description\nExterior Walls\n\nExterior Feature\nDescription\n\nA free-form text field used to describe\nthe exterior feature.\n\n154\n\nIMPROVEMENTS\n\nExterior Description\nRoof Surface\n\nExterior Feature\nDescription\n\nA free-form text field used to describe\nthe exterior feature.\n\n155\n\nIMPROVEMENTS\n\nExterior Description\nGutters and Downspouts\n\nExterior Feature\nDescription\n\nA free-form text field used to describe\nthe exterior feature.\n\n156\n\nIMPROVEMENTS\n\nExterior Description\nWindow Type\n\nExterior Feature\nDescription\n\nA free-form text field used to describe\nthe exterior feature.\n\n157\n\nIMPROVEMENTS\n\nExterior Description\nStorm Sash/Insulated\n"} diff --git a/chunks/json/22c23d4b9b9feb98d6dd9ced9fcf6b534a8e0559275fd975104c6fef8cc1c0e3.json b/chunks/json/22c23d4b9b9feb98d6dd9ced9fcf6b534a8e0559275fd975104c6fef8cc1c0e3.json new file mode 100644 index 0000000000000000000000000000000000000000..55113d25a08111f0fa33e69c6181777274b3eec6 --- /dev/null +++ b/chunks/json/22c23d4b9b9feb98d6dd9ced9fcf6b534a8e0559275fd975104c6fef8cc1c0e3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8709,"char_start":7068,"chunk_id":"chk_71c7e98a499f3ace","chunk_index":4,"chunk_sha256":"22c23d4b9b9feb98d6dd9ced9fcf6b534a8e0559275fd975104c6fef8cc1c0e3","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_476ac5ab0f1efe6c","text_sha256":"22c23d4b9b9feb98d6dd9ced9fcf6b534a8e0559275fd975104c6fef8cc1c0e3","token_estimate":425,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Input___FHFA_nfdqx5.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# Public Input\n\n**Instructions on use of the form:** To submit your input on an open topic, please select a topic upon which you wish to comment from the table below. Enter information in fields, upload any files you wish to submit and then, when finished, click \"submit\" at the bottom of the page to transmit your submission.\n\nFHFA invites input on all aspects of the RFI. Submissions will be posted to FHFA’s public website, except as described below.\n"} diff --git a/chunks/json/22c4a2c3f1c42f18a01f0f9162155e935b64b16221b872804666229f97752b93.json b/chunks/json/22c4a2c3f1c42f18a01f0f9162155e935b64b16221b872804666229f97752b93.json new file mode 100644 index 0000000000000000000000000000000000000000..0c105f12114b8427fd24da4c6ec7eef009046c44 --- /dev/null +++ b/chunks/json/22c4a2c3f1c42f18a01f0f9162155e935b64b16221b872804666229f97752b93.json @@ -0,0 +1 @@ +{"chunk":{"char_end":147293,"char_start":145688,"chunk_id":"chk_b77a55fe1439bdeb","chunk_index":67,"chunk_sha256":"22c4a2c3f1c42f18a01f0f9162155e935b64b16221b872804666229f97752b93","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"22c4a2c3f1c42f18a01f0f9162155e935b64b16221b872804666229f97752b93","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"4.1.2 YES\n\n4.1.3 • Can go as high as $220,000.\n\n• Can increase until year 4.\n\nFigure 33. Loan Amount Can Increase\n\nTable 46. Loan Amount Can Increase\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0\nData Point\n\nMISMO v3.3.0\nValue\n\nNotes\n\n4.1.3\n\nCan this amount\nincrease…?\n(YES-Potentially\nNarrative)\n\n…/LOAN_DETAIL\n\nNegativeAmortiza\ntionType\n\nPotentialNegativ\neAmortization\n\nROF as “Can go…” /\n“Can increase…”\n\n4.0 Loan Terms\n\n4.0\n\nCan this amount increase after closing?\n\n4.1 Loan Amount\n\n4.1.1 $162,000\n\n4.1.2 YES\n\n4.1.3 • Goes as high as $220,000.\n\n• Increases until year 4.\n\nAppendix E: UCD Implementation Guide\n\nPage 62 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n4.0 Loan Terms\n\nFigure 34. Loan Amount Will Increase\n\nTable 47. Loan Amount Will Increase\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0\nData\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\n4.1.3\n\nCan this amount\nincrease…?\n(YES-Scheduled\nNarrative)\n\n…/LOAN_DETAIL\n\nNegativeAmortizat\nionType\n\nScheduledNegati\nveAmortization\n\nROF as “Goes” /\n“Increases”\n\n4. 1. 3 LOAN AMOUNT I NCREASE TERMS\n\nThe duration of the loan term for which the amount may/will increase and the maximum increase allowable also\nmust be provided, as illustrated by the second bullet in Figure 33, Figure 34 and in Table 48.\n\nTable 48. Loan Amount Increase Duration\n\nID\n\n4.1.3\n\n4.1.3\n\nForm Field\nName\n\nGoes as high as\n$n.\n\nIncreases until\nyear n.\n\nMISMO v3.3.0 Context\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\n…/LOAN/NEGATIVE_AM\nORTIZATION/NEGATIVE_\nAMORTIZATION_RULE\n\nNegativeAmortization\nLimitMonthsCount\n\n48\n\nROF as “year 4”\n"} diff --git a/chunks/json/22d514e061dc563838975e253887c055373d6d75f6d8eaaba556f4b759f0340e.json b/chunks/json/22d514e061dc563838975e253887c055373d6d75f6d8eaaba556f4b759f0340e.json new file mode 100644 index 0000000000000000000000000000000000000000..e7a635c22ae507b55f73f01ef35586cd03a86f42 --- /dev/null +++ b/chunks/json/22d514e061dc563838975e253887c055373d6d75f6d8eaaba556f4b759f0340e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13949,"char_start":12297,"chunk_id":"chk_c79a3ff71d564673","chunk_index":7,"chunk_sha256":"22d514e061dc563838975e253887c055373d6d75f6d8eaaba556f4b759f0340e","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_cbe32def6b447b54","text_sha256":"22d514e061dc563838975e253887c055373d6d75f6d8eaaba556f4b759f0340e","token_estimate":463,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Research___FHFA_vjasu9.md"]},"text":"Author: ​Jay Schultz​​​ In establishing benchmarks for the 2015, 2016, and 2017 single-family mortgage 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 paper documents the...\n - Briefs, Notes & White Papers\n\nJuly 31, 2014\n\n## [FHFA Brief 14-2: First-Time Homebuyer Share and House Price Growth](/research/papers/fhfa-brief-14-2-first-time-homebuyer-share-and-house-price-growth)\n\nAuthor: ​Saty Patrabansh, Andrew Leventis, and Nayantara Hensel Abstract: This Brief provides historical, state-by-state statistics on the share of purchase-money mortgages for primary homes obtained by first-time homebuyers from 1996 to 2013. It also examines the relationship between first-time...\n - Briefs, Notes & White Papers\n\nJuly 10, 2014\n\n## [FHFA Mortgage Analytics Platform (Version 1.0)](/research/papers/fhfa-mortgage-analytics-platform-version-1)\n\nAuthor: Robert M. Dunsky*, Xiaoming Zhou, Michael Kane, Ming Chow, Charles Hu, Andrew Varrieur * Lead Author Background & Introduction The Federal Housing Finance Agency (FHFA) maintains a proprietary Mortgage Analytics Platform to support the Agency’s strategic plan. The objective of this white...\n - [1](?category%5B176%5D=176&page=0)\n - [2](?category%5B176%5D=176&page=1)\n - [3](?category%5B176%5D=176&page=2)\n - [4](?category%5B176%5D=176&page=3)\n - [5](?category%5B176%5D=176&page=4)\n - [6](?category%5B176%5D=176&page=5)\n - [7](?category%5B176%5D=176&page=6)\n - [8](?category%5B176%5D=176&page=7)\n - [Next](?category%5B176%5D=176&page=1)\n - [Last](?category%5B176%5D=176&page=7)\n"} diff --git a/chunks/json/22e2be1b700d7107e5608e28134fc3edc4cd93f14a7f786bb9ee782b3e9a29ed.json b/chunks/json/22e2be1b700d7107e5608e28134fc3edc4cd93f14a7f786bb9ee782b3e9a29ed.json new file mode 100644 index 0000000000000000000000000000000000000000..4e0bf2f85be46b6feb6b45129af53a022b289ab0 --- /dev/null +++ b/chunks/json/22e2be1b700d7107e5608e28134fc3edc4cd93f14a7f786bb9ee782b3e9a29ed.json @@ -0,0 +1 @@ +{"chunk":{"char_end":203728,"char_start":202117,"chunk_id":"chk_ebe3788da0be25c5","chunk_index":119,"chunk_sha256":"22e2be1b700d7107e5608e28134fc3edc4cd93f14a7f786bb9ee782b3e9a29ed","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"22e2be1b700d7107e5608e28134fc3edc4cd93f14a7f786bb9ee782b3e9a29ed","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Information About Each Defect, Damage, or Deficiency\n\nApparent Defects, Damages, Deficiencies (Site)\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n4.100\n\nFeature\n\nRequired for each\ndefect, damage, or\ndeficiency\n\nAllowable\nAnswers / Format\n\nOther (Describe)\n\nDefinition / Additional Guidance\n\nNotes:\n•\n\n•\n\nFor the Site section, choose Other and briefly describe the feature with\nthe defect, damage, or deficiency.\nPhotos or images must be provided for each physical defect, damage, or\ndeficiency. These display in Site Exhibits as “Apparent Defects, Damages,\nDeficiencies” with the indicated Feature. An additional caption may be\nprovided.\n\n4.101\n\nLocation\n\n4.102\n\nDescription\n\n4.103\n\nAffects\nSoundness or\nStructural\nIntegrity\n\nRequired for each\ndefect, damage, or\ndeficiency\n\nRequired for each\ndefect, damage, or\ndeficiency\n\nRequired for each\ndefect, damage, or\ndeficiency\n\nOther (Describe)\n\nFor the Site section, choose Other and briefly describe the location of the\ndefect, damage, or deficiency.\n\nFree-form\n\nDescription of the defect, damage, or deficiency.\n\nYes | No\n\nIndicates whether the defect, damage, or deficiency affects the soundness and\n/ or structural integrity of the improvement.\n\nAppendix F-1: URAR Reference Guide\n\nPage 80 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nApparent Defects, Damages, Deficiencies (Site)\n\nReport\nField ID\n\n4.104\n\nReport Label\n\nWhen to Include\n\nRecommended\nAction\n\nRequired for each\ndefect, damage, or\ndeficiency\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n"} diff --git a/chunks/json/22f48e4c051fe63f2dde924712f8f255e5a916ceaad946c6182385db4802c572.json b/chunks/json/22f48e4c051fe63f2dde924712f8f255e5a916ceaad946c6182385db4802c572.json new file mode 100644 index 0000000000000000000000000000000000000000..03fdfe73243ecdfe5dd6e0f85f08534a88efa726 --- /dev/null +++ b/chunks/json/22f48e4c051fe63f2dde924712f8f255e5a916ceaad946c6182385db4802c572.json @@ -0,0 +1 @@ +{"chunk":{"char_end":537337,"char_start":535677,"chunk_id":"chk_5bba2a174494733d","chunk_index":305,"chunk_sha256":"22f48e4c051fe63f2dde924712f8f255e5a916ceaad946c6182385db4802c572","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"22f48e4c051fe63f2dde924712f8f255e5a916ceaad946c6182385db4802c572","token_estimate":415,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Closing Disclosure Mortgage Loan Transaction Closing Disclosure\n\nDU\n\nETI&A\n\nForm Field ID\n\nDesktop Underwriter\n\nEstimated Taxes, Insurance and Assessments\n\nThe red number superimposed on the Closing Disclosure. Created by the UCD team to\nfacilitate the mapping from the Closing Disclosure to MISMO v3.3.0. Not included in the\nRegulation.\n\nForm Field Name\n\nA Closing Disclosure form label, identifying the data that should be provided.\n\nForm Field Value\n\nThe data that is disclosed on the Closing Disclosure next to the Form Field Name. Also\nreferred to as disclosed or provided data.\n\nGEM\n\nGrowing Equity Mortgage\n\nGeneral Use Data MISMO v3.3.0 structures and data points that have been defined by MISMO standards\n\ndevelopers to support commonly understood industry practice and usage.\n\nGPM\n\nThe GSEs\n\nLPA\n\nMERS\n\nMI\n\nMIN\n\nGraduated Payment Mortgage\n\nFannie Mae and Freddie Mac (Government-Sponsored Enterprises)\n\nLoan Product Advisor\n\nMortgage Electronic Registration System\n\nMortgage insurance or any functional equivalent\n\nMortgage Identification Number. A unique 18–digit number assigned to loans registered\nwith MERS\n\nAppendix E: UCD Implementation Guide\n\nPage 251 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nVI. Glossary\n\nTerm\n\nDefinition\n\nMISMO LDD\n\nMISMO Logical Data Dictionary\n\nMISMO\n\nMortgage Industry Standards Maintenance Organization\n\nMISMO v3.3.0\n\nMISMO Version 3.3.0.0 Reference Model Build 299\n\nMISMO v3.3.0\nReference Model /\nStructures\n\nn\n\nP&I\n\nProvided Data\n\nQM\n\nThe Regulation\n\nReg Z\n\nRESPA\n\nROF\n\nThe hierarchical organization of XML elements (containers and data points) providing an\nentity-relationship model of the mortgage life cycle.\n"} diff --git a/chunks/json/230b12654d7aa47fa9694ae616642fa0899fe6f9ba04985caa60f320aec40441.json b/chunks/json/230b12654d7aa47fa9694ae616642fa0899fe6f9ba04985caa60f320aec40441.json new file mode 100644 index 0000000000000000000000000000000000000000..1485f4cff32423e4b16edee754c72ecb91578471 --- /dev/null +++ b/chunks/json/230b12654d7aa47fa9694ae616642fa0899fe6f9ba04985caa60f320aec40441.json @@ -0,0 +1 @@ +{"chunk":{"char_end":27079,"char_start":25455,"chunk_id":"chk_67d008d501d01a8f","chunk_index":14,"chunk_sha256":"230b12654d7aa47fa9694ae616642fa0899fe6f9ba04985caa60f320aec40441","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"230b12654d7aa47fa9694ae616642fa0899fe6f9ba04985caa60f320aec40441","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"Description of the original defect, damage, or deficiency, including details as to\nlocation if needed.\n•\n\nFor properties with more than one unit, indicate in Description which unit\nhas the 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\n•\n\n•\n\n03.004 Affects\n\nSoundness or\nStructural\nIntegrity\n\nRequired for each\nrepair item\n\nYes | No\n\nIndicates whether the defect, damage, or deficiency noted in the original\nappraisal report affected the soundness and / or structural integrity of the\nimprovement.\n\n03.005 Repair\n\nCompleted\n\nRequired for each\nrepair item\n\nYes | No\n\nIndicates whether the repair to the defect, damage, or deficiency was\ncompleted.\n\n03.006\n\nInspection Date Required for each\n\nmm/dd/yyyy\n\nThe date of the inspection for the individual repair.\n\nrepair item\n\nAppendix F-3: Completion Report Reference Guide\n\nPage 14 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n03 Itemized List of Repairs\n\nCompletion Report - Itemized List of Repairs\n\nReport\nField ID\n\n03.007\n\nReport Label\n\nWhen to Include\n\nCompletion\nComment\n\nRequired for each\nrepair item when\nRepair Completed is\nNo, or if relevant\n\nAllowable\nAnswers / Format\n\nFree-form\n\nDefinition / Additional Guidance\n\nBrief description of the completion status of the individual repair.\nNote: For further expansion of commentary, use Completion Report\nCommentary (06.001).\n\nAppendix F-3: Completion Report Reference Guide\n\nPage 15 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 New Observed Items for Repair\n"} diff --git a/chunks/json/23113ea78bee57754bf0b7e1ad9e370a1544748859b5ba078dae324cca2dc2eb.json b/chunks/json/23113ea78bee57754bf0b7e1ad9e370a1544748859b5ba078dae324cca2dc2eb.json new file mode 100644 index 0000000000000000000000000000000000000000..83242a4dcec08bbaf5637eade22d7acee8e176da --- /dev/null +++ b/chunks/json/23113ea78bee57754bf0b7e1ad9e370a1544748859b5ba078dae324cca2dc2eb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8869,"char_start":7099,"chunk_id":"chk_2a79f6bf607f2f19","chunk_index":4,"chunk_sha256":"23113ea78bee57754bf0b7e1ad9e370a1544748859b5ba078dae324cca2dc2eb","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_dc766f901ec2960c","text_sha256":"23113ea78bee57754bf0b7e1ad9e370a1544748859b5ba078dae324cca2dc2eb","token_estimate":441,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Interpretive_Services___FHFA_avef0g.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 - Interpretive Services\n\n# Interpretive Services\n\nBecoming a homeowner and understanding the mortgage process can be challenging in any language. If you are looking to speak with someone in your preferred language about the mortgage process, mortgage documents, loan payments, staying in your home, or avoiding scams or fraud, there are resources available for you. Whether it is a live interpretation service or a counselor who speaks your language, free-to-use interpretive services are here to help.\n"} diff --git a/chunks/json/23170bbe74f7e3e8cfba5ca85ed6f7658ffcd8c0d72ca2f40af9ca82634f168d.json b/chunks/json/23170bbe74f7e3e8cfba5ca85ed6f7658ffcd8c0d72ca2f40af9ca82634f168d.json new file mode 100644 index 0000000000000000000000000000000000000000..a7dee3477b95cf3ef09ab30caeec72501e83f9bc --- /dev/null +++ b/chunks/json/23170bbe74f7e3e8cfba5ca85ed6f7658ffcd8c0d72ca2f40af9ca82634f168d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":22716,"char_start":20996,"chunk_id":"chk_f5c0fd12a2b62170","chunk_index":10,"chunk_sha256":"23170bbe74f7e3e8cfba5ca85ed6f7658ffcd8c0d72ca2f40af9ca82634f168d","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a44943f7f81b46d4","text_sha256":"23170bbe74f7e3e8cfba5ca85ed6f7658ffcd8c0d72ca2f40af9ca82634f168d","token_estimate":430,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/special-feature-codes.pdf"]},"text":"High LTV Refinance – Alternative Qualification Path\nUsed to identify a refinance of an existing Fannie Mae loan that meets the requirements of\nthe high LTV refinance option that is manually underwritten in accordance with the\nAlternative Qualification Path. This SFC is used in conjunction with SFC 007 (Limited Cash-\nout Refinance).\n(Acquisition of high LTV refinance loans is suspended)\n\nStudent Loan Cash-Out Refinance\nUsed to identify loans where borrower’s equity in the property is utilized to payoff student debt\nas part of a cash-out refinance transaction.\nMH Advantage®\nUsed to identify a loan secured by a property that meets the MH Advantage requirements in\nthe Selling Guide (which recognizes homes identified by sticker as eligible for Freddie Mac’s\nCHOICEHome® program as equivalent to those identified with an MH Advantage® sticker). If\nthe home is a single-width manufactured home, include both SFC 791 (Single-width\nManufactured Home) and SFC 235 (Manufactured Home).\n\n861\n\nBoth\n\nRemote Notarization\nUsed to identify any loan in which the notarization of the security instrument or amendment to\nthe security instrument is conducted using of audio-visual technology in which the borrower\nand notary are not in the same physical location and the notarization is an electronic\nnotarization.\nDelivery is optional – code is auto-derived\n\n868\n\n871\n\nBoth\n\nBoth\n\nRefiNow™\nUsed to identify loans originated in accordance with the eligibility requirements for RefiNow.\nHomePath LLPA Credit (HomePath Loan-level Price Adjustment Credit)\nUsed to apply the applicable LLPA credit to the lender for a loan secured by a HomePath\nproperty when an appraisal is obtained (and other criteria is met per the Selling Guide).\n"} diff --git a/chunks/json/231cc9bf6a52d36939f2d0d1a8ca56e97df2e971d8cced2a3b45c8e9610ef22a.json b/chunks/json/231cc9bf6a52d36939f2d0d1a8ca56e97df2e971d8cced2a3b45c8e9610ef22a.json new file mode 100644 index 0000000000000000000000000000000000000000..0d80af78875096abb55698ae6715d61adf5cf869 --- /dev/null +++ b/chunks/json/231cc9bf6a52d36939f2d0d1a8ca56e97df2e971d8cced2a3b45c8e9610ef22a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9478,"char_start":7094,"chunk_id":"chk_f2699ed4096a3b23","chunk_index":4,"chunk_sha256":"231cc9bf6a52d36939f2d0d1a8ca56e97df2e971d8cced2a3b45c8e9610ef22a","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_9f0e8e7d968a8db1","text_sha256":"231cc9bf6a52d36939f2d0d1a8ca56e97df2e971d8cced2a3b45c8e9610ef22a","token_estimate":594,"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":"[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# Collateral Pledged to FHLBanks\n\n## Breadcrumb\n\n- [Home](/)\n - [Reports](/reports)\n - Collateral Pledged To FHLBanks\n\nCongress established the Federal Home Loan Bank System (System) under the Federal Home Loan Bank Act of 1932 (the Bank Act). The primary business of the Federal Home Loan Banks (FHLBanks) is to make fully secured, low-cost loans, known as advances, to their members.1,2 Consistent with the provisions of the Bank Act, the FHLBanks require their members to pledge collateral in the form of mortgages and other eligible assets to secure their advances and other collateralized products offered by the FHLBanks to their members.3 The Housing and Economic Recovery Act of 2008 (HERA) requires the Federal Housing Finance Agency (FHFA) to submit an annual report to Congress on the collateral pledged to the FHLBanks, including an analysis of collateral by type and by FHLBank district.4 FHFA’s Report on Collateral Pledged to Federal Home Loan Banks provides the required information as well as additional analysis of data on the types and amounts of collateral pledged to the FHLBanks to secure advances and other collateralized products offered by the FHLBanks to their members.\n"} diff --git a/chunks/json/2336525cd4715ffbcbb0f9de8ecf4f295a63199e20440f59b495c537431fe9da.json b/chunks/json/2336525cd4715ffbcbb0f9de8ecf4f295a63199e20440f59b495c537431fe9da.json new file mode 100644 index 0000000000000000000000000000000000000000..d8d1a3798b5c12f423ec4bf2cc63f3e6a07fc677 --- /dev/null +++ b/chunks/json/2336525cd4715ffbcbb0f9de8ecf4f295a63199e20440f59b495c537431fe9da.json @@ -0,0 +1 @@ +{"chunk":{"char_end":589199,"char_start":587592,"chunk_id":"chk_7b3afaaf3f0fc4c4","chunk_index":350,"chunk_sha256":"2336525cd4715ffbcbb0f9de8ecf4f295a63199e20440f59b495c537431fe9da","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"2336525cd4715ffbcbb0f9de8ecf4f295a63199e20440f59b495c537431fe9da","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Required when the\nrow is included in the\nsales comparison grid\n\nFree-form\n\n22.09.16\n22.09.30\n\n[Other Interior\nFeature]\n22.09.15\nOther Interior\nFeature\nDescription\n10.044\npopulates\nfrom Unit\nInterior\n\nUnit Interior\n•\n\nOverall Update\nStatus for Flooring\n10.049\n\nWalls and Ceiling\nCondition Summary\ndoes not populate from\nUnit Interior; the\nappraiser must enter\ninformation for the\nsubject property\n\nUnit Interior\n•\n\nInterior Feature\nOther Description\n10.044 (Report\nLabel)\n\nOther Interior Feature\nCondition Summary\n22.09.16 does not\npopulate from Unit\nInterior; the appraiser\nmust enter information\nfor the subject property\n\n•\nFully Updated\n•\nSignificantly Updated\n• Moderately Updated\n•\nNot Updated\n\nWalls and Ceiling Condition Summary: A short description summarizing\nthe overall condition of the walls and ceilings in the unit.\n\nIf needed to support the condition rating, additional rows may be\nincluded for any features not predefined that were added to the Interior\nFeatures table in the Unit Interior section.\n\nExample: Other Interior Feature Example in Unit Interior and Sales\nComparison Approach\n\nOther Interior Feature Condition Summary: A short description\nsummarizing the condition of the additional feature.\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\nAppendix F-1: URAR Reference Guide\n\nPage 258 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nADU Interior Quality and Condition\n"} diff --git a/chunks/json/233e8c64443321c10982ecae25847138bfd9e4f44984ab12e929a7fc203b298c.json b/chunks/json/233e8c64443321c10982ecae25847138bfd9e4f44984ab12e929a7fc203b298c.json new file mode 100644 index 0000000000000000000000000000000000000000..ce1b1ba1adf0aa770eee86bb1689ceb9311b0adf --- /dev/null +++ b/chunks/json/233e8c64443321c10982ecae25847138bfd9e4f44984ab12e929a7fc203b298c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9253,"char_start":8459,"chunk_id":"chk_3b55a9d3b2b2d471","chunk_index":5,"chunk_sha256":"233e8c64443321c10982ecae25847138bfd9e4f44984ab12e929a7fc203b298c","date_utc":"2026-01-27T18:10:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_46b708b5eb80d6e1","text_sha256":"233e8c64443321c10982ecae25847138bfd9e4f44984ab12e929a7fc203b298c","token_estimate":199,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2017.pdf","below_target_min_tokens"]},"text":"Co-Borrower Race 5\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n8 -- No Co-borrower\n\nHome Ownership and Equity Protection Act (HOEPA) Status\n1 – Subject to HOEPA\n2- Not subject to HOEPA\n\nLien Status\n1 – Secured by first lien\n2 – Secured by a subordinate lien\n3 – Not secured by a lien\n4 – Not Applicable (ie purchased loans)\n\nSpecial Housing Goals Loan\n1 – Yes\n2 – No\n\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/23535dd93da0b5d3bf1886957d38fb3b9a7a139978ce81b9575e4b9897513041.json b/chunks/json/23535dd93da0b5d3bf1886957d38fb3b9a7a139978ce81b9575e4b9897513041.json new file mode 100644 index 0000000000000000000000000000000000000000..d3915a39a711b08b3aad02761c518bb1c7348793 --- /dev/null +++ b/chunks/json/23535dd93da0b5d3bf1886957d38fb3b9a7a139978ce81b9575e4b9897513041.json @@ -0,0 +1 @@ +{"chunk":{"char_end":32063,"char_start":30791,"chunk_id":"chk_9ac8477de21c8461","chunk_index":20,"chunk_sha256":"23535dd93da0b5d3bf1886957d38fb3b9a7a139978ce81b9575e4b9897513041","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1f9c959be0398537","text_sha256":"23535dd93da0b5d3bf1886957d38fb3b9a7a139978ce81b9575e4b9897513041","token_estimate":318,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-specification-update-impact-memo.pdf"]},"text":"to \"0\"\n\n1. Cash From Borrower At\n\nClosing Amount does not exist\n2. Must be greater than or equal\n\nto \"0\"\n\n1. Loan Purpose Type =\nPurchase AND Total\nDue From Borrower at\nClosing (K) > Total\nPaid Already By or on\nBehalf of Borrower at\nClosing (L) OR\n\n2. Loan Purpose Type =\n“Refinance” AND\nLoan Amount < Total\nClosing Costs (J) +\nTotal Closing Cost\nPaid Before Closing +\nTotal Payoffs and\nPayments (K)\n\n1. Loan Purpose Type =\n“Purchase” AND Total\nDue From Borrower at\nClosing (K) < Total\nPaid Already By or on\nBehalf of Borrower at\nClosing (L) OR\n\n2. Loan Purpose Type =\n“Refinance” AND\nLoan Amount >Total\nClosing Costs (J) +\nTotal Closing Cost\nPaid Before Closing +\nTotal Payoffs and\nPayments (K)\n\nAdditional Information\n\nShould you require assistance, please contact your account representative or submit your questions to\nour UCD mailboxes: UCD@FreddieMac.com and UCD@FannieMae.com. For more information on\nUCD, visit the Freddie Mac UCD page or Fannie Mae UCD page.\n\n© 2022 Freddie Mac and Fannie Mae. Trademarks are property of their respective owners.\n\nConfidential\n\nFannie Mae Confidential\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by\nFannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.\n"} diff --git a/chunks/json/236cb87307a2c849469a23fe3fe8275c0205af6b1c98cd57c3a57e1af8765119.json b/chunks/json/236cb87307a2c849469a23fe3fe8275c0205af6b1c98cd57c3a57e1af8765119.json new file mode 100644 index 0000000000000000000000000000000000000000..b2473a8471b7a2ebcb31d7b006f7f118b04be269 --- /dev/null +++ b/chunks/json/236cb87307a2c849469a23fe3fe8275c0205af6b1c98cd57c3a57e1af8765119.json @@ -0,0 +1 @@ +{"chunk":{"char_end":330436,"char_start":328816,"chunk_id":"chk_efee6f12e3ecf19a","chunk_index":190,"chunk_sha256":"236cb87307a2c849469a23fe3fe8275c0205af6b1c98cd57c3a57e1af8765119","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"236cb87307a2c849469a23fe3fe8275c0205af6b1c98cd57c3a57e1af8765119","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Single-Family)\n\no Fannie Mae MH Advantage (for additional details refer to Manufactured Housing\n\nFinancing | Fannie Mae)\n\no Features and characteristics that exceed minimum HUD code for manufactured homes\n\no Garage and front porch are site-built\n\n•\n\nCost Approach\n\no Land Comparables\n\n▪\n\nSubject’s prior land sale was used as a comparable\n\nNote: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to\ninformation in the URAR.\n\nThe URAR sample scenario begins on the next page.\nThis cover section, including Introduction and Key Characteristics,\nis not part of the URAR.\n\nUniform Residential Appraisal Report\n\n123 ANYWHERE ST, SOMECITY, TN 12345\n\nSUMMARY\n\nOpinion of Market Value\n\n$275,000\n\nMarket Value Condition\n\nAs Is\n\n+.5 li #\n\nonly in\n\nSummary\n\nEffective Date of Appraisal\nAssignment Reason\nBorrower Name\n\nCurrent Owner of Public Record\n\nListing Status\n\nProperty Description\n\nConstruction Method\n\nAttachment Type\n\n03/14/2022\nRefinance\nJohn Doe\nJane Doe\nJohn Doe\nJane Doe\nNone\n\nManufactured\nSite Built\nDetached\n\nProperty Valuation Method\nAppraiser Name\n\nTraditional Appraisal\nAnnie Appraiser\n\nOverall Quality\nOverall Condition\n\nQ3\nC2\n\nYes No\n \n \n \n \n \n\nYes No\n \n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nSubject Site Owned in Common\n\nUnits Excluding ADUs\nAccessory Dwelling Units\nProperty Rights Appraised\n\n1\n0\nFee Simple\n\nIs the highest and best use of the subject property as\nimproved (or as proposed per plans and specifications)\nthe present use?\n\nLegal\nZoning Compliance\nHUD Data Plate Attached\nYes\nHUD Label Present for All Sections Yes\n"} diff --git a/chunks/json/236d8686d2ca1bc45c5cc20998f52a0d5700f32374afd1b39f301484b62b65fb.json b/chunks/json/236d8686d2ca1bc45c5cc20998f52a0d5700f32374afd1b39f301484b62b65fb.json new file mode 100644 index 0000000000000000000000000000000000000000..02f829479a2bf00b090b6c9d8d2f4563085959d9 --- /dev/null +++ b/chunks/json/236d8686d2ca1bc45c5cc20998f52a0d5700f32374afd1b39f301484b62b65fb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":806239,"char_start":804503,"chunk_id":"chk_de4237f3711ee7cd","chunk_index":480,"chunk_sha256":"236d8686d2ca1bc45c5cc20998f52a0d5700f32374afd1b39f301484b62b65fb","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"236d8686d2ca1bc45c5cc20998f52a0d5700f32374afd1b39f301484b62b65fb","token_estimate":434,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Outbuilding Subsection\n\nFor the subject property, the Outbuilding Type and relevant dynamic rows (e.g., unfinished area) populate from\nthe Outbuilding section.\n• Adjustments for the comparables are made in a “lump sum” that includes consideration of the outbuilding\n\nand its associated square footage and amenities.\n\n• Adjustments for the 400 sq. ft. garage portion are made in the Vehicle Storage subsection and are not\n\nincluded in the Outbuilding subsection adjustments.\n\n• Adjustments for the ADU’s finished area, bedrooms and bathrooms are made in the Unit(s) subsection and\n\nare not included in the Outbuilding subsection adjustments.\n\nIn this example:\n• A dynamic row was utilized to account for the remaining workshop area.\n• Comparable #1 does not have a corresponding outbuilding, and the detached garage does not have any\n\nadditional separate area, so it is not reported as an outbuilding, and therefore “dashes” display.\n\n• The adjustment for Comparable # 1 reflects the marketability of the additional 500 sq. ft. of unfinished area.\n\nCost Approach (Depreciated Cost - Outbuilding)\n\nIf the Cost Approach is included in the appraisal, the depreciated cost of the outbuilding is reported in the\nDepreciated Cost – Outbuilding subsection. The entire finished and unfinished area of the outbuilding is\nreported here, including the garage. In this example, Area Type for the garage is Garage.\n\nAppendix F-1: URAR Reference Guide\n\nPage 373 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 4: Detached Garage Examples\n\nExample 5: Oversized Detached Garage (No Dividing Wall)\n\nIn this example, the subject has a 500 sq. ft. detached garage that includes 100 sq. ft. of extra unfinished area\nwith no separation of the area.\n"} diff --git a/chunks/json/236e3a19b05530e889fba187f33030cd8efb3132903b9c48e36e5a2571006f4d.json b/chunks/json/236e3a19b05530e889fba187f33030cd8efb3132903b9c48e36e5a2571006f4d.json new file mode 100644 index 0000000000000000000000000000000000000000..0d6acd4c2773f14032c820ab7bf9c8e4cd5fb271 --- /dev/null +++ b/chunks/json/236e3a19b05530e889fba187f33030cd8efb3132903b9c48e36e5a2571006f4d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":35997,"char_start":34386,"chunk_id":"chk_f3f44aa58afa6cf2","chunk_index":21,"chunk_sha256":"236e3a19b05530e889fba187f33030cd8efb3132903b9c48e36e5a2571006f4d","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"236e3a19b05530e889fba187f33030cd8efb3132903b9c48e36e5a2571006f4d","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"22-1713 Broad Ave\nSurfside, HI 12345\n\n$160,000\n\n$160,000\n\n$279,000\n\n—\n\n$279,000\n\n$(84,200)\n\n$94,900\n\n$47,450\n\n$100\n\n$194,800\n\nLess\n\n$210,000\n\n—\n\n$200,500\n\n$(4,600)\n\n$95,450\n\n$38,180\n\n$156\n\n$195,900\n\nMost\n\n$257,500\n\n—\n\n$249,750\n\n$(50,500)\n\n$101,000\n\n$50,500\n\n$172\n\n$199,250\n\nLess\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$195,000\n\nReconciliation of Sales Comparison Approach\n\nComparables #1 and 2 are similar in function and utility as they are both two unit, two building properties and adjust towards the lower end\nof the range. Hazard zone adjustment is based on market adjustment for differences between location in USGS Lava Flow Zones 2 and 3.\nRanges for price per unit and bedroom count are supportive of the value estimate. Comparable #2 has the least gross adjustments in the sales\ncomparison approach, is the most similar in style, quality and condition, and is given most weight.\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 18 of 29\nPage 18 of 29\n\nSales Comparison Approach (continued)\n\nSales Comparison Map\n\nThis is where the Sales Comparable Map 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\nUniform Residential Appraisal Report\n\nPage 19 of 29\nPage 19 of 29\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"} diff --git a/chunks/json/238f0b4449575076cc9085f5cf9e6524969642d5ca8fac4f23faf50196ae4102.json b/chunks/json/238f0b4449575076cc9085f5cf9e6524969642d5ca8fac4f23faf50196ae4102.json new file mode 100644 index 0000000000000000000000000000000000000000..7eb6d32937a1f2554523e1d4f20c2dc27a8fcad8 --- /dev/null +++ b/chunks/json/238f0b4449575076cc9085f5cf9e6524969642d5ca8fac4f23faf50196ae4102.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1216599,"char_start":1214785,"chunk_id":"chk_be3ef14644621797","chunk_index":722,"chunk_sha256":"238f0b4449575076cc9085f5cf9e6524969642d5ca8fac4f23faf50196ae4102","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"238f0b4449575076cc9085f5cf9e6524969642d5ca8fac4f23faf50196ae4102","token_estimate":454,"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’]/@A\ndjustedSalesPriceAmount\n\n12\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/RESEARCH[@SalesHistoryResearchedIndicator=‘Y’]\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/RESEARCH[@SalesHistoryResearchedIndicator=‘N’]\n\n1\n\n1\n\nBoolean\n\nBoolean\n\nOne and only one of fields 2-105, 2-106 (values\nof Sales History Researched Indicator) should\nbe indicated.\nOne and only one of fields 2-105, 2-106 (values\nof Sales History Researched Indicator) should\nbe indicated.\n\nCR\n\nT\n\nCR\n\nT\n\nCR\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 200 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\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\n353\n\n354\n\n355\n\n356\n\n357\n\n358\n\n359\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n107\n\n108\n\n109\n\n110\n\n111\n\n112\n\n113\n\n360\n\n2\n\n114\n\n361\n\n362\n\n2\n\n2\n\n115\n\n116\n\n363\n\n2\n\n117\n\n364\n\n2\n\n118\n\nI did not research the sale or\ntransfer history of the subject\nproperty and comparable sales.\nIf not, explain.\nMy research did reveal any prior\nsales or transfers of the subject\nproperty for the three years prior\nto the effective date of this\nappraisal.\nMy research did not reveal any\nprior sales or transfers of the\nsubject property for the three\nyears prior to the effective date of\nthis appraisal.\n"} diff --git a/chunks/json/239293c97cbae362e7d713c1049b30fb5d6118e2a5efca214fd0b8cc97fcadd1.json b/chunks/json/239293c97cbae362e7d713c1049b30fb5d6118e2a5efca214fd0b8cc97fcadd1.json new file mode 100644 index 0000000000000000000000000000000000000000..4af79bdcbe3c8f619ea15d4577f7b78c0618ce94 --- /dev/null +++ b/chunks/json/239293c97cbae362e7d713c1049b30fb5d6118e2a5efca214fd0b8cc97fcadd1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":624132,"char_start":622454,"chunk_id":"chk_702c9935d3a54d5f","chunk_index":368,"chunk_sha256":"239293c97cbae362e7d713c1049b30fb5d6118e2a5efca214fd0b8cc97fcadd1","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"239293c97cbae362e7d713c1049b30fb5d6118e2a5efca214fd0b8cc97fcadd1","token_estimate":420,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Format\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\n422\n\n3\n\ne-17\n\nSALES\nCOMPARISON\nAPPROACH\n\nActual Age\n\n423\n\n424\n\n3\n\n3\n\n83\n\n84\n\nSALES\nCOMPARISON\nAPPROACH\n\nActual Age\n\nSALES\nCOMPARISON\nAPPROACH\n\nActual Age Adjustment\n\nGSE Age\nEstimation\nIndicator\n\nSale Price\nAdjustment\nDescription\n\nSale Price\nAdjustment\nAmount\n\nIndicates whether the age of the property\nis estimated.\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/@GSEAgeEstimationIndicator\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SALE_PRICE_\nADJUSTMENT[@_Type=‘Age’]/@_Description\n\n1\n\n3\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SALE_PRICE_\nADJUSTMENT[@_Type=‘Age’]/@_Amount\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis field indicates whether the actual age is estimated.\n\nBoolean\n\nPDF Display Format:\nIf 'Y' then display a tilde (~) before the value entered.\nIf 'N' then display nothing.\n"} diff --git a/chunks/json/239d5dad0e7cc7eab9bc7ae3d7b0b25b7037ec1ddba17b3439b5cf5474bc8f59.json b/chunks/json/239d5dad0e7cc7eab9bc7ae3d7b0b25b7037ec1ddba17b3439b5cf5474bc8f59.json new file mode 100644 index 0000000000000000000000000000000000000000..a4c965c63fc20a1ee25d60e9f6593d2835ccbb3b --- /dev/null +++ b/chunks/json/239d5dad0e7cc7eab9bc7ae3d7b0b25b7037ec1ddba17b3439b5cf5474bc8f59.json @@ -0,0 +1 @@ +{"chunk":{"char_end":99779,"char_start":98131,"chunk_id":"chk_305b8c359a796a65","chunk_index":55,"chunk_sha256":"239d5dad0e7cc7eab9bc7ae3d7b0b25b7037ec1ddba17b3439b5cf5474bc8f59","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"239d5dad0e7cc7eab9bc7ae3d7b0b25b7037ec1ddba17b3439b5cf5474bc8f59","token_estimate":412,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":" Type of concurrent\nsecondary financing\n Balance of concurrent\nsecondary financing\n\nLoanStateDate = Date\ndata retrieved from\nsubmitter’s system\n\nH. Container-Specific Concepts: Adjustment\n\nThe ADJUSTMENT container within LOAN, which holds child containers and data points\nthat fully describe how the rate or payment structure of a loan can change, has several\nunique characteristics. The containers used in ULDDS Appendix A are shown in the\nwhite boxes.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 42 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nExample IV-6. ADJUSTMENT Containers.\n\nCONVERSION\nADJUSTMENT\n\nI NTEREST RATE\nADJUSTMENT\n\nPRINCIPALAND\nI NTEREST PAYMENT\nADJUSTMENT\n\nADJUSTMENT\n\nLegend:\n\nUsed in ULDD\nFor Future Use\n\nRATE OR PAYMENT\nCHANGE\nOCCURRENCES\n\nCONVERSION\nADJUSTMENTLIFETIME\nADJUSTMENTRULE\n\nCONVERSIONOPTION\nPERIODADJUSTMENT\nRULES\n\nC ONVERSIONO PTION\nP ERIODADJUSTMENT\nR ULE\n\nINDEXRULES\n\nI NDEXR ULE\n\nINDEXRULES\n\nI NDEXR ULE\n\nINTEREST RATE\nLIFETIME ADJUSTMENT\nRULE\n\nINTEREST RATEPER\nCHANGEADJUSTMENT\nRULES\n\nINTEREST RATE\nPERIODIC ADJUSTMENT\nRULES\n\nINTEREST RATEP ER\nC HANGEADJUSTMENT\nR ULE\n\nI NTEREST R ATE\nPERIODICADJUSTMENT\nR ULE\n\nINDEXRULES\n\nI NDEXR ULE\n\nPRINCIPALAND\nINTEREST ADJUSTMENT\nL IMITED PAYMENT\nO PTION\n\nPRINCIPALAND\nI NTEREST PAYMENT\nPER CHANGE\nADJUSTMENTRULE\nPRINCIPALAND\nI NTEREST PAYMENT\nPERIODICADJUSTMENT\nR ULE\n\nPRINCIPALAND\nINTEREST ADJUSTMENT\nLIMITEDPAYMENT\nOPTIONS\n\nPRINCIPALAND\nINTEREST PAYMENT\nLIFETIME ADJUSTMENT\nRULE\n\nPRINCIPALAND\nINTEREST PAYMENT\nPER CHANGE\nADJUSTMENTRULES\n"} diff --git a/chunks/json/23a250f540ed314338f6ad533100e83327045eadd2a487f963caffe9f6ff8535.json b/chunks/json/23a250f540ed314338f6ad533100e83327045eadd2a487f963caffe9f6ff8535.json new file mode 100644 index 0000000000000000000000000000000000000000..a18a67b8adeff8fb8ef7493ef7a1cc02792ba016 --- /dev/null +++ b/chunks/json/23a250f540ed314338f6ad533100e83327045eadd2a487f963caffe9f6ff8535.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1943,"char_start":1358,"chunk_id":"chk_9713764684ad8db7","chunk_index":2,"chunk_sha256":"23a250f540ed314338f6ad533100e83327045eadd2a487f963caffe9f6ff8535","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1f9c959be0398537","text_sha256":"23a250f540ed314338f6ad533100e83327045eadd2a487f963caffe9f6ff8535","token_estimate":519,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-specification-update-impact-memo.pdf"]},"text":"Enumeration Changes ............................................................................................................................. 6\n\nMI Company Name Change ................................................................................................................. 6\n\nOverview ......................................................................................................................................... 6\n\nRequirement .................................................................................................................................... 6\n"} diff --git a/chunks/json/23b365b9acccb79529d451f89c22d83299c050a844344e8025372c65541b2d42.json b/chunks/json/23b365b9acccb79529d451f89c22d83299c050a844344e8025372c65541b2d42.json new file mode 100644 index 0000000000000000000000000000000000000000..252f8b1a7fe5af3f33596e67939491a272b6b9ff --- /dev/null +++ b/chunks/json/23b365b9acccb79529d451f89c22d83299c050a844344e8025372c65541b2d42.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1187796,"char_start":1186137,"chunk_id":"chk_5ff54285fc99eaa2","chunk_index":705,"chunk_sha256":"23b365b9acccb79529d451f89c22d83299c050a844344e8025372c65541b2d42","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"23b365b9acccb79529d451f89c22d83299c050a844344e8025372c65541b2d42","token_estimate":415,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Above Grade Room Count\nAdjustment\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_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL\nE_PRICE_ADJUSTMENT[@_Type=‘Other’ and\n@_TypeOtherDescription=‘RoomAboveGradeLine2’]/@_Amount\n\n2\n\n2\n\n5\n\nNumeric\n\nNumeric\n\nNumeric\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 indicates whether the actual age is estimated.\n\nThe sum of this field 2-69 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 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\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 Sales Comparison Approach\nSection\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\nPDF Display Format:\nWhole dollars only.\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis field indicates the overall condition of the property.\n\nAllowable Values\n C1\n C2\n C3\n C4\n C5\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n"} diff --git a/chunks/json/23b49a8b30de85ae59fee8664ea9d4e850516c7532d15a5905d584266827ea94.json b/chunks/json/23b49a8b30de85ae59fee8664ea9d4e850516c7532d15a5905d584266827ea94.json new file mode 100644 index 0000000000000000000000000000000000000000..b9c290f45aa0a6ee1e855fc04faf974af9ed263f --- /dev/null +++ b/chunks/json/23b49a8b30de85ae59fee8664ea9d4e850516c7532d15a5905d584266827ea94.json @@ -0,0 +1 @@ +{"chunk":{"char_end":93582,"char_start":91966,"chunk_id":"chk_e953dfdb9343baad","chunk_index":52,"chunk_sha256":"23b49a8b30de85ae59fee8664ea9d4e850516c7532d15a5905d584266827ea94","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"23b49a8b30de85ae59fee8664ea9d4e850516c7532d15a5905d584266827ea94","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":"No rental income can be used in qualifying.\n\nRental income used in qualifying has no restrictions\n\n1-4 Unit Investment\nProperty– new or newly\nplaced in service (includes\ndeparting residence)\n\n1-4 Unit Investment–\nexisting rental (one year of\nreceiving rental income)\n\nSee Treatment of the Income (or Loss) below for how to apply rental Income.\n\nNote: Rental income reported on IRS Form 8825 of federal business tax returns is reported as self-employment income.\n\nThe lender must establish a history of property management experience by obtaining one of the following:\n\n•\n\n•\n\nThe borrower’s most recent signed federal income tax return, including Schedules 1 and E. Schedule E should reflect\nrental income received for any property and Fair Rental Days of 365;\nIf the property has been owned for at least one year, but there are less than 365 Fair Rental Days on Schedule E\no a current signed lease agreement may be used to supplement the federal income tax return; or\no\n\ntwo years of the most recent federal income tax returns reflecting rental income received may be obtained to\ndocument that the property was in service for the full year (for example: a short-term rental receiving rental\nincome for more than one year, but the fair rental days are less than 365 in each year).\n\n• A current signed lease may be used to supplement a federal income tax return if the property was out of service for any\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 40 of 166\n\nUAD 3.6 Policy\n\ntime period in the prior year. Schedule E must support this by reflecting a reduced number of days in use and related\nrepair costs.\n"} diff --git a/chunks/json/23b88625dfed755f5a6cda8229ce4492e709eb8bfef922b873642585b66f5e77.json b/chunks/json/23b88625dfed755f5a6cda8229ce4492e709eb8bfef922b873642585b66f5e77.json new file mode 100644 index 0000000000000000000000000000000000000000..6f7ca6806339954dd0481f6842d87c61e422dc75 --- /dev/null +++ b/chunks/json/23b88625dfed755f5a6cda8229ce4492e709eb8bfef922b873642585b66f5e77.json @@ -0,0 +1 @@ +{"chunk":{"char_end":31688,"char_start":29496,"chunk_id":"chk_f2ece033b0a92d0c","chunk_index":18,"chunk_sha256":"23b88625dfed755f5a6cda8229ce4492e709eb8bfef922b873642585b66f5e77","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"23b88625dfed755f5a6cda8229ce4492e709eb8bfef922b873642585b66f5e77","token_estimate":548,"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":"$(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\nAppraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 21 of 30\nPage 21 of 30\n\nSales Comparison Approach (continued)\n\nReconciliation of Sales Comparison Approach\n\nThe three sales provided were the most comparable manufactured home sales in the market. There were limited sales of manufactured\nhomes on acreage with water frontage and other amenities. Comparable #1’s lot is on the lake, whereas the subject’s water frontage is a\nnon-contiguous parcel that is included, while the comparable has no water front features the result is a negative adjustment. The outbuilding\nadjustment for comparable sale #1’s shop vs the subject’s detached garages was based on the subject’s finished space only as the garage/\ncar storage was captured in vehicle storage. Comparable #2 was superior in terms of quality upgrades and an adjustment was warranted\neven though the Q rating was the same as the subject. Comparable #2 is located in a water front project with site values that exceed those in\nthe subject project. The value differences are due to more level topography and boat motor size restrictions that reduce noise and damage\nassociated with motor wakes. Comparable #3 is less impactful due to it being a short sale. Comparable #3 has a small portion of its lot within\nthe river floodplain. There is no impact to improvements or usability of the lot therefore no adjustment is warranted. The appraiser made\nmarket based adjustments to each of the sales for their differences. Adjustments were determined through qualitative analysis, considering\ncontributory values and competitive differences, matched paired analysis, and interviews with local real estate agents. The value was\nreconciled between the adjusted prices of the comparable sales #1 and #2 as they were given the most weight with additional support from\ncomparable sale #3.\n"} diff --git a/chunks/json/23ba1550a7cc487fc0872209a4765708b1e4aaff0ed9ba66ea901ef81dc0aa74.json b/chunks/json/23ba1550a7cc487fc0872209a4765708b1e4aaff0ed9ba66ea901ef81dc0aa74.json new file mode 100644 index 0000000000000000000000000000000000000000..9e64b5fdfe891eb5843660384e4316d9ad1b386c --- /dev/null +++ b/chunks/json/23ba1550a7cc487fc0872209a4765708b1e4aaff0ed9ba66ea901ef81dc0aa74.json @@ -0,0 +1 @@ +{"chunk":{"char_end":788658,"char_start":787024,"chunk_id":"chk_1689336e83aff526","chunk_index":468,"chunk_sha256":"23ba1550a7cc487fc0872209a4765708b1e4aaff0ed9ba66ea901ef81dc0aa74","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"23ba1550a7cc487fc0872209a4765708b1e4aaff0ed9ba66ea901ef81dc0aa74","token_estimate":409,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Identifies type of management associated\nwith the project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ManagementType='Oth\ner' and\n@_ManagementTypeOtherDescription='HomeownersAssociationAndManagemen\ntAgent']\n\n176, 177\n\nPROJECT\nINFORMATION\n\nManagement Group\nDeveloper and Management Agent\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='DeveloperAndManagementAgent']\n\n188\n\n1\n\n175, 176, 177\n\nPROJECT\nINFORMATION\n\nManagement Group\nHomeowners' Association, Developer,\nand Management Agent\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='HomeownersAssociationAndDeveloperA\nndManagementAgent']\n\n51\n\n51\n\n51\n\n51\n\n51\n\n51\n\nEnumerated\n\nThis field should be indicated only if Developer is checked.\n\nEnumerated\n\nThis field should be indicated only if Management Agent is checked.\n\nEnumerated\n\nThis field should be indicated if HOA and Developer are checked.\n\nEnumerated\n\nThis field should be indicated if HOA and Management Agent are checked.\n\nEnumerated\n\nThis field should be indicated if Developer and Management Agent are checked.\n\nEnumerated\n\nThis field should be indicated if HOA, Developer and Management Agent are checked.\n\n189\n\n1\n\n178\n\nPROJECT\nINFORMATION\n\nProvide name of management company\n\nProject Management\nAgent Name\n\nUsed to identify the management agent's\nname if Management Agent is indicated\nin Project Management Type.\n"} diff --git a/chunks/json/23dadb180482fc04f947b54b784e091202e666059bca21bfe4bbadac1ea93f94.json b/chunks/json/23dadb180482fc04f947b54b784e091202e666059bca21bfe4bbadac1ea93f94.json new file mode 100644 index 0000000000000000000000000000000000000000..b86bf47c564e492742cf300a9d639231c8314199 --- /dev/null +++ b/chunks/json/23dadb180482fc04f947b54b784e091202e666059bca21bfe4bbadac1ea93f94.json @@ -0,0 +1 @@ +{"chunk":{"char_end":238829,"char_start":237215,"chunk_id":"chk_0e87ca82ba5cd0e2","chunk_index":140,"chunk_sha256":"23dadb180482fc04f947b54b784e091202e666059bca21bfe4bbadac1ea93f94","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"23dadb180482fc04f947b54b784e091202e666059bca21bfe4bbadac1ea93f94","token_estimate":404,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Version 1.3\n\nUniform Appraisal Dataset\n\n08 Dwelling Exterior\n\nExample: Converted Area\n\nDwelling Exterior: Converted Area\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n8.012\n\nConverted Area Always required\n\nYes | No\n\nDefinition / Additional Guidance\n\nConverted Area Exists: Indicates whether an area within the structure has been\nimproved from its original use, such as a garage or porch that has been\nconverted into living area (e.g., family room, office, bedroom).\n•\n•\nNote:\n•\n\nYes (Converted Area Exists does not display)\nNo (“None” displays)\n\nDoes not include below grade finished area. Below grade area is reported\nin the Unit Interior section.\n\n8.013\n\nConverted Area\nand Similarity to\nRest of Living\nArea\n\nRequired if Converted\nArea Exists is Yes\n\n8.013\n\nConverted Area\nand Similarity to\nRest of Living\nArea\n\nRequired for each\nconverted area if\nConverted Area Exists\nis Yes\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nSuperior, Similar,\nor Inferior\n\nThe original purpose of the area that has been improved from its original use to\nliving area.\n•\n•\n•\n•\n\nGarage\nPatio\nPorch\nOther (Describe)\n\nThe converted area's quality of finish compared to the rest of the living area.\n\nFactory Built Certification, Volume, and Window Surface Area\n\nDwelling Exterior: Factory Built Certification, Volume, and Window Surface Area\n\nReport\nField ID\n\n8.014\n\nReport Label\n\nWhen to Include\n\nFactory Built\nCertification\n\nRequired if\nConstruction Method\nis Modular or On-\nFrame Modular\n\nAllowable\nAnswers / Format\n\nYes | No\n\nDefinition / Additional Guidance\n"} diff --git a/chunks/json/23dbc1e27a52d747aad3cec0156ec984caf6f729e8195c8c71d0abc908ef418c.json b/chunks/json/23dbc1e27a52d747aad3cec0156ec984caf6f729e8195c8c71d0abc908ef418c.json new file mode 100644 index 0000000000000000000000000000000000000000..346e050eea2d14bae2647f55fa2f929609a262c9 --- /dev/null +++ b/chunks/json/23dbc1e27a52d747aad3cec0156ec984caf6f729e8195c8c71d0abc908ef418c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":519820,"char_start":518188,"chunk_id":"chk_cf1c13497dcd26a8","chunk_index":308,"chunk_sha256":"23dbc1e27a52d747aad3cec0156ec984caf6f729e8195c8c71d0abc908ef418c","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"23dbc1e27a52d747aad3cec0156ec984caf6f729e8195c8c71d0abc908ef418c","token_estimate":408,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Appendix F-1: URAR Reference Guide\n\nPage 224 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: General Information\n\nWhen New\nConstruction\nfor the subject\nproperty is Yes\n\nIf relevant\n\nRequired if New\nConstruction for the\nsubject property is Yes\n\nYes | No\n\nSame Builder as Subject\nis only applicable to\ncomparables\n\nNo\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\n22.01.49\n\nAdditional Row\nThis row displays on the sales comparison grid when an additional data\nelement relevant to the General Information subsection is needed that is\nnot predefined.\n\nNote: Only put one data element in each row and add additional rows as\nneeded for other data elements.\n\nReport\nField ID\n\n22.01.47\n\nReport Label\n\nSame Builder\nas Subject\n\n22.01.15\n22.01.48\n\nAdditional\ndata element\ndisplays as the\nReport Label\n22.01.14\n\nProject Information\n\nThe Project Information subsection displays on the sales comparison grid when the subject property or any comparable is in a condominium,\ncooperative, or condop. The subsection should also display if relevant for PUDs, such as when there are differences in monthly fees, common\namenities and services, and / or special assessments.\n\nReport\nField ID\n\n22.02.05\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n"} diff --git a/chunks/json/23dcd285434c155337958356fbf0658fc0516200fcdab0b2760e821e9870c0d0.json b/chunks/json/23dcd285434c155337958356fbf0658fc0516200fcdab0b2760e821e9870c0d0.json new file mode 100644 index 0000000000000000000000000000000000000000..439b8b647efc6a8b171e7a4a8a6bf3ead17664c6 --- /dev/null +++ b/chunks/json/23dcd285434c155337958356fbf0658fc0516200fcdab0b2760e821e9870c0d0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3563,"char_start":1930,"chunk_id":"chk_7892c95aba056b1f","chunk_index":1,"chunk_sha256":"23dcd285434c155337958356fbf0658fc0516200fcdab0b2760e821e9870c0d0","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb2eec2920be917b","text_sha256":"23dcd285434c155337958356fbf0658fc0516200fcdab0b2760e821e9870c0d0","token_estimate":408,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-integration-impact-memo-apr-15-2023.pdf"]},"text":"Unique\nID\n\nMISMO 3.4 Data Point Name\n\nConditionality\n\n13.0011\n\nULAD:PositiveRentalHistoryIndicator\n\nRequired\n\nDU Supported\nEnumerations\n\nfalse\n\ntrue\n\nN O T E : Fannie Mae’s DU Spec can be found at: https://singlefamily.fanniemae.com/technology-\nintegration/technology-integration-resources\n\n© 2023 Fannie Mae. Trademarks of Fannie Mae.\n\n3.9.23\n\n1 of 3\n\nFHA TOTAL Scorecard Error Codes\n\nFHA will introduce two new error messages that will be returned from the FHA TOTAL scorecard, as follows:\n\n105 Positive Rental History must be True (Yes) or False (No).\n106 Positive Rental History must be False (No) if loan is a Refinance.\n\nIn the DU Loan Application Submission file, True/False must be used; Yes/No must be used in Desktop Originator®\n(DO®)/DU User Interface (UI).\n\nImplementation Note Changes for DU Specification\n\nThe Implementation Notes for the following two data points will be removed in the next published version of the DU\nSpec.\n\nUnique\nID\n\nMISMO 3.4 Data Point Name\n\nImplementation Notes for FHA and VA (G)\n\n7.0055\n\nTotalSubjectPropertyPayoffsAndPaymentsAmount\n\n7.0038\n\nTotalNonSubjectPropertyDebtsToBePaidOffAmount\n\nIMPLEMENTATION NOTE ONLY TO BE\nREMOVED\n\nIMPLEMENTATION NOTE ONLY TO BE\nREMOVED\n\nN O T E : The amounts for both data points above must be entered separately in order to correctly perform the\nRequired Investment Calculation for refinance transactions that is sent to the FHA TOTAL scorecard.\n\nTest Cases\n\nWe have updated our test cases to support this release. They can be found by visiting the DU section of Technology\nIntegration Resources:\n\n•\n\nIntegration Test Cases > DU Specification Test Case Suite\n"} diff --git a/chunks/json/23eae875ac7366fda60d56268620908fb45defe62c813aa22c7d4a314b1521c0.json b/chunks/json/23eae875ac7366fda60d56268620908fb45defe62c813aa22c7d4a314b1521c0.json new file mode 100644 index 0000000000000000000000000000000000000000..1b3e42d3218ee0bc5fd10b86d493011edd392884 --- /dev/null +++ b/chunks/json/23eae875ac7366fda60d56268620908fb45defe62c813aa22c7d4a314b1521c0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1336,"char_start":766,"chunk_id":"chk_6033d31c64d74d8b","chunk_index":1,"chunk_sha256":"23eae875ac7366fda60d56268620908fb45defe62c813aa22c7d4a314b1521c0","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"23eae875ac7366fda60d56268620908fb45defe62c813aa22c7d4a314b1521c0","token_estimate":459,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"Scope..................................................................................................................................................... 4\n\nBefore Starting ...................................................................................................................................... 4\n\nChapter 2: Implementation Options - Overview ........................................................................................... 6\n\nUnderstanding the MISMO v3.4 Reference Model Build 324 ............................................................. 6\n"} diff --git a/chunks/json/2c40324d42cfdc220bc5839575bd842b6c22861e82ab52a362a9f5f982366ebc.json b/chunks/json/2c40324d42cfdc220bc5839575bd842b6c22861e82ab52a362a9f5f982366ebc.json new file mode 100644 index 0000000000000000000000000000000000000000..783ff8fa3c07180608a194daf702ac7d1881e331 --- /dev/null +++ b/chunks/json/2c40324d42cfdc220bc5839575bd842b6c22861e82ab52a362a9f5f982366ebc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":67077,"char_start":66379,"chunk_id":"chk_5c4b877ef0a079cb","chunk_index":107,"chunk_sha256":"2c40324d42cfdc220bc5839575bd842b6c22861e82ab52a362a9f5f982366ebc","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"2c40324d42cfdc220bc5839575bd842b6c22861e82ab52a362a9f5f982366ebc","token_estimate":614,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Income Approach Exhibits ........................................................................................................................................................................................................ 321\n\nIncome Approach – Arcrole Relationships ............................................................................................................................................................................... 323\n\n25 Cost Approach ................................................................................................................................................................................................................................. 324\n"} diff --git a/chunks/json/2c47ed02741d51861645ce7ebc8f85066ea9a645039a4582f04f1e5b7089248f.json b/chunks/json/2c47ed02741d51861645ce7ebc8f85066ea9a645039a4582f04f1e5b7089248f.json new file mode 100644 index 0000000000000000000000000000000000000000..48ea9184dab483475fdf561a214340b68efcd9ad --- /dev/null +++ b/chunks/json/2c47ed02741d51861645ce7ebc8f85066ea9a645039a4582f04f1e5b7089248f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":133551,"char_start":131941,"chunk_id":"chk_0930f818bf62edfb","chunk_index":71,"chunk_sha256":"2c47ed02741d51861645ce7ebc8f85066ea9a645039a4582f04f1e5b7089248f","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"2c47ed02741d51861645ce7ebc8f85066ea9a645039a4582f04f1e5b7089248f","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"\n \n\nPaidAlreadyByOrOnBehalfOfBorrowerAtClosing\nAdjustmentsForItemsUnpaidBySeller\n10.00\n2024-04-15\n2024-04-30\nUtilities\n\n\n\n…\n\n\nUCD v2.0 Implementation Guide\n\n- 56 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nH. CONSTRUCTION LOAN DATA\n\nThe GSEs purchase only the permanent financing portion of construction-to-permanent loans. Guidance for provision of data\npoints supporting construction-only loans has been omitted.\n\nIn general, a loan is considered to be a construction loan when it is for the cost of building a structure on land either already\nowned (refinance) or to be purchased by the borrower. For a one-closing construction-to-permanent loan, the loan term\nincludes both construction and permanent financing portions.\n\nN O T E : As the data and eligibility requirements for construction loans differ between the GSEs, consult each GSE’s web\npages for the most recent guidelines.\n\nTable 32. XML File Container Structure for Construction Data.\n\nUCD UID\n\nContainer Name\n\nUCD Usage Notes\n\n999.121\n\nCONSTRUCTION\n\nHolds data points describing construction loan terms.\n\nFigure 41. Rendering Construction Loan Data on the CD.\n\n3.0 Loan Information\n\n3.1 Loan Term 30 Years 9 Months\n"} diff --git a/chunks/json/2c540b62766cc138c40318de7afb0e574a0d1c235f575793066469439523534c.json b/chunks/json/2c540b62766cc138c40318de7afb0e574a0d1c235f575793066469439523534c.json new file mode 100644 index 0000000000000000000000000000000000000000..a848f86f9823d4cd19d13dae538f8c04a537fdfa --- /dev/null +++ b/chunks/json/2c540b62766cc138c40318de7afb0e574a0d1c235f575793066469439523534c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":272061,"char_start":270295,"chunk_id":"chk_eeec300e005e3476","chunk_index":155,"chunk_sha256":"2c540b62766cc138c40318de7afb0e574a0d1c235f575793066469439523534c","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"2c540b62766cc138c40318de7afb0e574a0d1c235f575793066469439523534c","token_estimate":440,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"MISMO 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/P\nAYMENT/PARTIAL_PAYMENTS/PARTIAL_PAYMENT\n\n11.090\n\nPartialPaymentApplicationMethodType\n\nApplyPartialPayment\n\n…/PAYMENT/PAYMENT_RULE\n\n4.016\n\nInitialPrincipalAndInterestPaymentAmount\n\n1200.00\n\n11.013\n\nPartialPaymentAllowedIndicator\n\n4.014\n\nPaymentFrequencyType\n\n11.037\n\nPaymentOptionIndicator\n\ntrue\n\nMonthly\n\nfalse\n\nThe GSEs do no purchase pay option\nloans so the value is expected to be\n“false”.\n\nN O T E : The following container structures and data points have been removed from UCD v2.0 because the GSEs do not\npurchase loans with the features they describe. NEGATIVE_AMORTIZATION and its data points\nNegativeAmortizationLimitMonthsCount, NegativeAmortizationMaximumLoanBalanceAmount and\nNegativeAmortizationType. Data points …/PAYMENT_RULE/SeasonalPaymentPeriodEndMonth and\nSeasonalPaymentPeriodStartMonth. The EXTENSION to PAYMENT_RULE and its data points\ngse:TotalOptionalPaymentCount and gse:TotalStepPaymentCount. PREPAYMENT_PENALTY and its data points\nPrepaymentPenaltyExpirationMonthsCount and PrepaymentPenaltyMaximumLifeOfLoanAmount.\n\nFigure 100. XML Snippet - Payment Data.\n\n\n…\n \n\n\n \n\n\n\n\n \n\nApplyPartialPayment\n\n\n \n \n\n1200.00\n true\n Monthly\n false\n"} diff --git a/chunks/json/2c59404cde59a863ec0a612b66eb70ea618941473d1558ecf82c22dcda381d41.json b/chunks/json/2c59404cde59a863ec0a612b66eb70ea618941473d1558ecf82c22dcda381d41.json new file mode 100644 index 0000000000000000000000000000000000000000..2d2f98a7d37eccaca10691cbd96a8c4357fc4c98 --- /dev/null +++ b/chunks/json/2c59404cde59a863ec0a612b66eb70ea618941473d1558ecf82c22dcda381d41.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1003557,"char_start":1001915,"chunk_id":"chk_c18a1028e182e927","chunk_index":598,"chunk_sha256":"2c59404cde59a863ec0a612b66eb70ea618941473d1558ecf82c22dcda381d41","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2c59404cde59a863ec0a612b66eb70ea618941473d1558ecf82c22dcda381d41","token_estimate":410,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"PDF Display Format:\nmm/dd/yyyy\n\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\nPDF Display:\nUAD Version 9/2011\n\nString\n\nThe latitude of the subject property\n\nString\n\nThe longitude of the subject property\n\nString\n\nThe latitude of the comparable property\n\nT\n\nCR\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\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 169 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\n539\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nLongitude Number\n\nThe X value of the geographic coordinate\nsystem using geodetic model based on\nNorth American datum of 1983.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@\nLongitudeNumber\n\n30\n\nString\n\nThe longitude of the comparable property\n\nData Field\nConditionality\n\nT\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 170 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\nThe allowable values are listed below. When representing these values in the XML\nfile, they must be shown exactly as they appear below:\n\n1\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nAppraisal Form\nType\n\nSpecifies the appraisal form used to\nreport the valuation.\n"} diff --git a/chunks/json/2c615c74c5afca8c38f319229bce370f7ff45d880e8bc51e837a3bb746738054.json b/chunks/json/2c615c74c5afca8c38f319229bce370f7ff45d880e8bc51e837a3bb746738054.json new file mode 100644 index 0000000000000000000000000000000000000000..3573554976c3497a692572eeb817fd4f193a7770 --- /dev/null +++ b/chunks/json/2c615c74c5afca8c38f319229bce370f7ff45d880e8bc51e837a3bb746738054.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4909,"char_start":3194,"chunk_id":"chk_8f1b605191577c1f","chunk_index":2,"chunk_sha256":"2c615c74c5afca8c38f319229bce370f7ff45d880e8bc51e837a3bb746738054","date_utc":"2026-01-27T18:07:55+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_018c415b2ba7f4a5","text_sha256":"2c615c74c5afca8c38f319229bce370f7ff45d880e8bc51e837a3bb746738054","token_estimate":429,"warnings":["source_path=Appendix C-3 Completion Report Layout/_.pdf/Appendix C-3 Completion Report with Report Field IDs v1.2.pdf"]},"text":"HF.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\nCompletion Report\n\nHF.001\n\nContact Information\n\n[Role]/[Role]\n\n08.006 / 08.007\n\nCompany Name\nCompany Address\n\n08.008\n\n08.009\n\nAppraiser\n\nName\nDesignation\nCompany Name\nCompany Address\n\n08.013\n08.014\n\n08.015\n\n08.016\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\n08.017\n\n08.018\n\n08.019\n\nSupervisory Appraiser\n\nName\nDesignation\nCompany Name\nCompany Address\n\n08.028\n\n08.029\n\n08.030\n\n08.031\n\nScope of Inspection by Supervisory Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\n08.032\n\n08.033\n\n08.034\n\nAssignment Information and Scope of Work Commentary\n\n08.043\n\nPage [Page] of [Pages]\n\nCredentials\n\nID\nState\nExpires\n\n08.010\n\n08.011\n\n08.012\n\nCredentials\n\nLevel\nID\nState\nExpires\n\n08.020\n\n08.021\n08.022\n\n08.023\n\nASC Identifier\nVA Appraiser ID\nFHA Appraiser ID\nEmployment Type\n\n08.024\n\n08.025\n\n08.026\n\n08.027\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nASC Identifier\nVA Appraiser ID\nFHA Appraiser ID\nEmployment Type\n\n08.035\n\n08.036\n\n08.037\n\n08.038\n\n08.040\n\n08.041\n\n08.042\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\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\nCompletion Report\n\nHF.001\n\nIntended Use\n\nPage [Page] of [Pages]\n\n09.001\n\nThe intended use of this certification of completion is for the lender/client to confirm that the requirements or conditions stated in the\nappraisal report referenced above have been met.\n"} diff --git a/chunks/json/2c6c1d6f01a3eedfdaf02d859a9f327183dbcea82b38920cbdf74e52b7ffda65.json b/chunks/json/2c6c1d6f01a3eedfdaf02d859a9f327183dbcea82b38920cbdf74e52b7ffda65.json new file mode 100644 index 0000000000000000000000000000000000000000..ff3381d4c2ca4ad409d9efb2993e3fbe81755db6 --- /dev/null +++ b/chunks/json/2c6c1d6f01a3eedfdaf02d859a9f327183dbcea82b38920cbdf74e52b7ffda65.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20994,"char_start":18998,"chunk_id":"chk_695bdce51d96502c","chunk_index":9,"chunk_sha256":"2c6c1d6f01a3eedfdaf02d859a9f327183dbcea82b38920cbdf74e52b7ffda65","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a44943f7f81b46d4","text_sha256":"2c6c1d6f01a3eedfdaf02d859a9f327183dbcea82b38920cbdf74e52b7ffda65","token_estimate":499,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/special-feature-codes.pdf"]},"text":"Both\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\n© 2025 Fannie Mae\n\n12.10.2025\n\n5 of 7\n\nCode\n\n798\n\nWhole\nLoan/MBS\nBoth\n\n801\n\n807\n\nBoth\n\nBoth\n\nDescription/Definition\n\nFHA Higher Balance Mortgage Loans\nUsed to identify certain higher balance FHA loans.\nValue Acceptance Used to identify a DU loan for which the lender has exercised a value\nacceptance offer.\nHigh LTV Refinance Value Acceptance\nUsed to identify a high LTV refinance loan for which the lender has exercised a value\nacceptance offer. When provided, this SFC must be used in conjunction with SFC 007\n(Limited Cash-out Refinance) and SFC 839 (High LTV Refinance Option-Standard).\nDelivery is optional – code is auto-derived\n(Acquisition of high LTV refinance loans is suspended)\n\nDelivery\nType*\n\nNegotiated\n\nBoth\n\nBoth\n\n808\n\nBoth\n\n818\n\nBoth\n\n839\n\nBoth\n\n840\n\nBoth\n\n841\n\nBoth\n\n859\n\nBoth\n\nHigh-Balance Conventional Mortgage Loans\nUsed to identify mortgages with original loan amounts in excess of Fannie Mae’s general\nconforming limits and up to the permissible high-cost area limits, which may vary depending\non the property location and the loan origination date.\nHomeReady \"Thin File\"\nUsed to identify a HomeReady loan where one or more borrowers do not meet the minimum\ncredit score of 620, and the lender determines the low score is the result of a thin file, i.e.,\nthe borrower has an insufficient credit history documented by reason codes on the credit\nreport indicating a lack of credit accounts, accounts not open long enough, lack of usage,\netc. The thin file has been supplemented with nontraditional credit to establish eligibility.\nMust be used in conjunction with SFC 900.\nHigh LTV Refinance Option - Standard\nUsed to identify a refinance of an existing Fannie Mae loan that meets the requirements of\nthe high LTV refinance option. This SFC is used in conjunction with SFC 007 (Limited Cash-\nout Refinance).\nDelivery is optional – code is auto-derived\n(Acquisition of high LTV refinance loans is suspended)\n"} diff --git a/chunks/json/2c7d26eac1bdb720d8779dc0f3a26a8f4ff88e575c8b4d1afc19dbdb997acd60.json b/chunks/json/2c7d26eac1bdb720d8779dc0f3a26a8f4ff88e575c8b4d1afc19dbdb997acd60.json new file mode 100644 index 0000000000000000000000000000000000000000..26a841da587fa6300550b9ebe226091f2ad7788f --- /dev/null +++ b/chunks/json/2c7d26eac1bdb720d8779dc0f3a26a8f4ff88e575c8b4d1afc19dbdb997acd60.json @@ -0,0 +1 @@ +{"chunk":{"char_end":53799,"char_start":52110,"chunk_id":"chk_27f27aeed7b5dba3","chunk_index":31,"chunk_sha256":"2c7d26eac1bdb720d8779dc0f3a26a8f4ff88e575c8b4d1afc19dbdb997acd60","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"2c7d26eac1bdb720d8779dc0f3a26a8f4ff88e575c8b4d1afc19dbdb997acd60","token_estimate":422,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Appraiser 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 27 of 29\nPage 27 of 29\n\nCertifications\n\nAppraiser Certifications\n\nThe Appraiser certifies and agrees that:\n\n1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective\nowners or occupants of the subject property, or other parties involved in this transaction.\n\n2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this\nreport, or the demographics of the area where the property is located.\n\n3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that\napply to the appraiser and to the assignment.\n\n4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity),\nage (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present\nor prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis\nprohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.\n\n5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to\nthe assumptions and limiting conditions in this appraisal report.\n"} diff --git a/chunks/json/2c8d43e0a05ca3fc70cdde999706f93cac0f99512a27ae2545ba7ea5bee5ad94.json b/chunks/json/2c8d43e0a05ca3fc70cdde999706f93cac0f99512a27ae2545ba7ea5bee5ad94.json new file mode 100644 index 0000000000000000000000000000000000000000..0fde8bfa6b42a0d25c1a99fc880bd013345b649b --- /dev/null +++ b/chunks/json/2c8d43e0a05ca3fc70cdde999706f93cac0f99512a27ae2545ba7ea5bee5ad94.json @@ -0,0 +1 @@ +{"chunk":{"char_end":582730,"char_start":581096,"chunk_id":"chk_789d7afd664f1412","chunk_index":346,"chunk_sha256":"2c8d43e0a05ca3fc70cdde999706f93cac0f99512a27ae2545ba7ea5bee5ad94","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"2c8d43e0a05ca3fc70cdde999706f93cac0f99512a27ae2545ba7ea5bee5ad94","token_estimate":409,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Required when Units\nExcluding ADUs is\nmore than 1\n\nFree-form\n\nUnit Interior\n•\n\nStructure Identifier\n10.001\n\nNo\n\nExamples: Building 1, Building 2\n\nAppendix F-1: URAR Reference Guide\n\nPage 255 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: Interior Quality and Condition\n\n22.09.02\n22.09.18\n\nStructure ID |\nUnit ID\n\nDisplays in this\nsubsection if Units\nExcluding ADUs is\nmore than 1\n\nWhen Units\nExcluding\nADUs is more\nthan 1 for the\nsubject or any\ncomparable\n\nFree-form\n\nUnit Interior\n•\n\nUnit Identifier\n10.002\n\nNo\n\nRedisplays from 22.07.01, 22.07.17 if applicable.\nExamples: Unit 1, Unit 2, Primary Dwelling, ADU\n\n22.09.03\n22.09.19\n\nQuality\n\nAlways\n\nAlways required\n\nQ1 to Q6\n\n22.09.04\n22.09.20\n\nKitchen\n\nIf relevant, for\neach kitchen\nin the unit\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nFree-form\n\n22.09.05\n22.09.21\n\nOverall\nBathrooms\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nFree-form\n\n22.09.06\n22.09.22\n\nOverall\nFlooring\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nFree-form\n\n22.09.07\n22.09.23\n\nWalls and\nCeiling\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nFree-form\n\nUnit Interior\n•\n\nInterior Quality\nRating 10.034\n\nKitchen Quality\nSummary does not\npopulate from Unit\nInterior; the appraiser\nmust enter information\nfor the subject property\n"} diff --git a/chunks/json/2c8ebe3b036d0dec3b8d1c1086fe7aab536631175fe5ef16afbf5317c1566d93.json b/chunks/json/2c8ebe3b036d0dec3b8d1c1086fe7aab536631175fe5ef16afbf5317c1566d93.json new file mode 100644 index 0000000000000000000000000000000000000000..925adb3560315cb690158a8404468c6a95a95e22 --- /dev/null +++ b/chunks/json/2c8ebe3b036d0dec3b8d1c1086fe7aab536631175fe5ef16afbf5317c1566d93.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1604,"char_start":0,"chunk_id":"chk_66bbbfc0377864d8","chunk_index":0,"chunk_sha256":"2c8ebe3b036d0dec3b8d1c1086fe7aab536631175fe5ef16afbf5317c1566d93","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_942dc51a34ab6d40","text_sha256":"2c8ebe3b036d0dec3b8d1c1086fe7aab536631175fe5ef16afbf5317c1566d93","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-integration-impact-memo-april-20-2024.pdf"]},"text":"Desktop Underwriter/Desktop Originator Integration Impact Memo\nApril Update\n\nFeb. 22, 2024\n\nDuring the weekend of April 20, 2024, Fannie Mae will implement an update to Desktop Underwriter® (DU®) with the changes\ndescribed below. These changes will apply to loan casefiles submitted or resubmitted to DU on or after the weekend of April 20,\n2024.\n\nThis update includes the following:\n\n▪ USDA Rural Development Mortgage Type\n\n▪\n\nInvalid FHA Lender ID\n\nReview this memo to ensure that your integrated system(s) will be prepared to support this update.\n\nUSDA Rural Development Mortgage Type\n\nCurrently, DU returns an Out of Scope recommendation for loan casefiles submitted with a mortgage type of USDA Rural\nDevelopment. DU will now return an Error for loan casefiles submitted with a mortgage type of USDARuralDevelopment.\n\nHow will this affect my integrated system(s)?\n\nTo align with current error handling and to help simplify parsing of error scenarios without having to open the DU Underwriting\nFindings report, DU will be updated to return a loan validation error in the DU XIS Control Output (CO) and a new error message in\nthe MP_STATUS_LOG for loan casefiles submitted with a mortgage type of USDARuralDevelopment. The DU Spec will be updated\nat a later date to add an implementation note that the USDARuralDevelopment enumeration is not supported. See details below.\n\nIntegrated systems may require updates to support the new error message. Integrators who opt to continue submitting loan\ncasefiles to DU with the USDARuralDevelopment mortgage type should expect to receive the new error message.\n"} diff --git a/chunks/json/2c95056399ae7526d3fbbd684d7ec2e54c29189c45d71eec016a65c181032818.json b/chunks/json/2c95056399ae7526d3fbbd684d7ec2e54c29189c45d71eec016a65c181032818.json new file mode 100644 index 0000000000000000000000000000000000000000..8eac9d99633c4ff3c584eb2d7631ccc32403e940 --- /dev/null +++ b/chunks/json/2c95056399ae7526d3fbbd684d7ec2e54c29189c45d71eec016a65c181032818.json @@ -0,0 +1 @@ +{"chunk":{"char_end":75189,"char_start":74456,"chunk_id":"chk_39da9cb3d765cb34","chunk_index":122,"chunk_sha256":"2c95056399ae7526d3fbbd684d7ec2e54c29189c45d71eec016a65c181032818","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"2c95056399ae7526d3fbbd684d7ec2e54c29189c45d71eec016a65c181032818","token_estimate":604,"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\nDefinition of Market Value ....................................................................................................................................................................................................... 366\n\nStatement of Assumptions and Limiting Conditions ................................................................................................................................................................ 366\n\nCertifications ............................................................................................................................................................................................................................ 368\n"} diff --git a/chunks/json/2c97737bf21d8bba529496a2845933cfaffa05f557af346c22f4863cc079808a.json b/chunks/json/2c97737bf21d8bba529496a2845933cfaffa05f557af346c22f4863cc079808a.json new file mode 100644 index 0000000000000000000000000000000000000000..b812b98b548e417cadf53c8438209f2f2df19125 --- /dev/null +++ b/chunks/json/2c97737bf21d8bba529496a2845933cfaffa05f557af346c22f4863cc079808a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1648,"char_start":0,"chunk_id":"chk_731f5a4541441f6f","chunk_index":0,"chunk_sha256":"2c97737bf21d8bba529496a2845933cfaffa05f557af346c22f4863cc079808a","date_utc":"2026-01-27T18:02:18+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0521e01f621a5ebc","text_sha256":"2c97737bf21d8bba529496a2845933cfaffa05f557af346c22f4863cc079808a","token_estimate":412,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/lsdu-release-notes-3-0.pdf"]},"text":"Loan Servicing Data Utility 3.0 Release Notes\n\nSeptember 12, 2019\n\nEffective September 13, 2019, the Loan Servicing Data Utility (LSDU) 3.0 release will be implemented to\nsupport new functions. LSDU is a suite of self-service tools providing servicers with accurate, near real-time,\nloan-level data and data exceptions, allowing for continuous reconciliation of Fannie Mae loans, cash\npositions, and offering operational efficiencies.\n\nThe following updates are included in this release:\n\n• Ability to view and download summary of Scheduled/Scheduled Swap Cash Position\n• Capability to drill down on the Bankruptcy Cramdown Record in the Transaction history\n• Updates to loan payment history record\n• Updates to the User Interface\n\nAbility to View and Download Summary of Scheduled/Scheduled Swap Cash Position\n\nWith this release, users will have the ability to view Scheduled/Scheduled Swap summary draft amounts for\neach servicer number they have access to in the Cash Position section. Additionally, users can download the\nsummary details for all selected servicer numbers. Please see Appendix A for additional details.\n\nCapability to Drill Down on the Bankruptcy Cramdown Record in the Transaction History\n\nWith this release, users will have the capability to drill down for additional details on the Bankruptcy\nCramdown record in the Transaction History feature. This will include the ability for users to review rate\nmodifications and Post Purchase Adjustments (PPA) details.\n\nUpdates to the Loan Payment History Record\n\nWith this release, LSDU will provide more clarity in the Payment History feature. The following updates will be\nincluded:\n"} diff --git a/chunks/json/2cc042c9416d11ed512d2cc18d36bde4380a7db5ab15e547c1afe717d085d7fb.json b/chunks/json/2cc042c9416d11ed512d2cc18d36bde4380a7db5ab15e547c1afe717d085d7fb.json new file mode 100644 index 0000000000000000000000000000000000000000..7b0c68f056404cfd9e53e724724cd5f7670a79e3 --- /dev/null +++ b/chunks/json/2cc042c9416d11ed512d2cc18d36bde4380a7db5ab15e547c1afe717d085d7fb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13732,"char_start":12535,"chunk_id":"chk_99be745560d47efd","chunk_index":7,"chunk_sha256":"2cc042c9416d11ed512d2cc18d36bde4380a7db5ab15e547c1afe717d085d7fb","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_53cdb7ce3f149cb3","text_sha256":"2cc042c9416d11ed512d2cc18d36bde4380a7db5ab15e547c1afe717d085d7fb","token_estimate":411,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Search_or_Browse_Mortgage_Documents___FHFA_51hhk4.md"]},"text":"*​*\n\n*Last updated: December 2, 2022​​*\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/2cc474e05ec3e9f3d67ef041c4e9dd6ae29f77fbd85c4086ab3332ba217cb7da.json b/chunks/json/2cc474e05ec3e9f3d67ef041c4e9dd6ae29f77fbd85c4086ab3332ba217cb7da.json new file mode 100644 index 0000000000000000000000000000000000000000..034b2bf8c472443a5c3e69ff6b7d0bdde524d4a3 --- /dev/null +++ b/chunks/json/2cc474e05ec3e9f3d67ef041c4e9dd6ae29f77fbd85c4086ab3332ba217cb7da.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1710,"char_start":0,"chunk_id":"chk_d7dd4d115947d9c9","chunk_index":0,"chunk_sha256":"2cc474e05ec3e9f3d67ef041c4e9dd6ae29f77fbd85c4086ab3332ba217cb7da","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6b45fc2836077ba7","text_sha256":"2cc474e05ec3e9f3d67ef041c4e9dd6ae29f77fbd85c4086ab3332ba217cb7da","token_estimate":523,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/_FHFA_AT_A_GLANCE___FHFA_7gmoyl.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/about\"\ndate_accessed: \"2026-01-27T17:47:57.083Z\"\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/2cc77e04df9c9b5ac2102dbdd326383129032228d91850806023b0f4687b38bf.json b/chunks/json/2cc77e04df9c9b5ac2102dbdd326383129032228d91850806023b0f4687b38bf.json new file mode 100644 index 0000000000000000000000000000000000000000..e6ec8f68e2cb0936b04b9a4596278945cfb97956 --- /dev/null +++ b/chunks/json/2cc77e04df9c9b5ac2102dbdd326383129032228d91850806023b0f4687b38bf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":68179,"char_start":66557,"chunk_id":"chk_3377b234fe57f1d3","chunk_index":19,"chunk_sha256":"2cc77e04df9c9b5ac2102dbdd326383129032228d91850806023b0f4687b38bf","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"2cc77e04df9c9b5ac2102dbdd326383129032228d91850806023b0f4687b38bf","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"field ID and Name of the associated Closing Disclosure section. Sections are organized as follows:\n\na. Form section introduction and sample Closing Disclosure excerpts\n\nb. In some sections, “Form Field Descriptions” and discussion of any patterns or variations in provided data\n\nc.\n\nIn some sections, “Appendix I Overview” describing the structure of the UCD file illustrated by the\nAppendix I excerpts.\n\nd. “Appendix I Excerpts” showing how the values for the fields need to be provided using UCD data points\n\ne. “A. Mapping Guidance” applicable to the Appendix I excerpt\n\nf. “For More Information” listing in form field ID order of references to the relevant parts of the\n\nRegulation. Regulation references appear in the following order:\n\ni. Regulation text (pp. 80106-80302)\n\nii. Supplement I to Part 1026—Official Interpretations (pp. 80303-ff)\n\niii. Section-by-Section Analysis of the Final Rule (pp. 79756-80105).\n\n4. V. Consolidated Mapping Guidance. Explains MISMO mapping concepts and provides A. Mapping Guidance.\n\nAppendix E: UCD Implementation Guide\n\nPage 13 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nII. Document Structure\n\n5. VI. Glossary. A listing and definitions of more technical terms used throughout Appendix I.\n\n6. Error! Reference source not found.. Provides direction on how to provide all property seller data, not just\n\nthe limited data required by the GSEs. Relocates sections from previous versions of the I-Guide.\n\n7. VIII. Uniform Closing Dataset (UCD) Specification Resources. List of external references that may be helpful\n\nto implementers of UCD.\n\nAppendix E: UCD Implementation Guide\n"} diff --git a/chunks/json/2cd5a0765f93bcb9612e6fb40e8291b43710a6d2fbf49dc551c578200cf85fe5.json b/chunks/json/2cd5a0765f93bcb9612e6fb40e8291b43710a6d2fbf49dc551c578200cf85fe5.json new file mode 100644 index 0000000000000000000000000000000000000000..7271e94931b0b6e8fae9103330fff903aadc14d9 --- /dev/null +++ b/chunks/json/2cd5a0765f93bcb9612e6fb40e8291b43710a6d2fbf49dc551c578200cf85fe5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":720582,"char_start":718924,"chunk_id":"chk_b628755ea1351574","chunk_index":429,"chunk_sha256":"2cd5a0765f93bcb9612e6fb40e8291b43710a6d2fbf49dc551c578200cf85fe5","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"2cd5a0765f93bcb9612e6fb40e8291b43710a6d2fbf49dc551c578200cf85fe5","token_estimate":415,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"This section also contains a summary of all identified defects, damages, and deficiencies, and provides space for\nadditional commentary and exhibits.\n\nApproaches to Value\n\nReport\nField ID\n\n26.000\n\n26.001\n\nReport Label\n\nWhen to Include\n\nDisplays when Sales\nComparison Approach\nDeveloped by\nAppraiser is Yes\n\nRequired when Sales\nComparison Approach\nDeveloped by\nAppraiser is No\n\nSales\nComparison\nApproach\n\nIndicated Value\n\nSales\nComparison\nApproach\n\nReason for\nExclusion\n\n26.002\n\nIncome\nApproach\n\nIndicated Value\n\n26.003\n\nIncome\nApproach\n\nDisplays when Income\nApproach Developed\nby Appraiser is Yes\n\nRequired when Income\nApproach Developed\nby Appraiser is No\n\nReason for\nExclusion\n\n26.004 Cost Approach\n\nIndicated Value\n\n26.005 Cost Approach\n\nReason for\nExclusion\n\nDisplays when Cost\nApproach Developed\nby Appraiser is Yes\n\nRequired when Cost\nApproach Developed\nby Appraiser is No\n\nReconciliation: Approaches to Value\n\nAllowable\nAnswers / Format\n\nDollar amount\n\nDefinition / Additional Guidance\n\nIf applicable. Indicated Value by Sales Comparison Approach (22.15.15)\npopulates from the Sales Comparison Approach section.\n\nOther (Describe)\n\nFor the Sales Comparison Approach, enter Other and the reason the Sales\nComparison Approach was not developed for this appraisal.\n\nNotes:\n•\n•\n\nFor further commentary, use Reconciliation of Market Value (26.019).\nIf the Sales Comparison Approach was not developed, reference\npublished guidelines by the GSEs, government agencies, or other\nidentified secondary market participants for specific guidance.\n\nDollar amount\n\nIf applicable, Indicated Value by Income Approach (24.024) populates from the\nIncome Approach section.\n"} diff --git a/chunks/json/2cd8289a7b33ac5381b27f4ecb3cae317e73d146ed4cde5f1593f56fd881b40f.json b/chunks/json/2cd8289a7b33ac5381b27f4ecb3cae317e73d146ed4cde5f1593f56fd881b40f.json new file mode 100644 index 0000000000000000000000000000000000000000..8827fc9c9ade01e4401532dfc5a5efc4a65afb48 --- /dev/null +++ b/chunks/json/2cd8289a7b33ac5381b27f4ecb3cae317e73d146ed4cde5f1593f56fd881b40f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":243195,"char_start":241512,"chunk_id":"chk_66ab8a8f370d5bf0","chunk_index":136,"chunk_sha256":"2cd8289a7b33ac5381b27f4ecb3cae317e73d146ed4cde5f1593f56fd881b40f","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"2cd8289a7b33ac5381b27f4ecb3cae317e73d146ed4cde5f1593f56fd881b40f","token_estimate":421,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Data and Verification Sources of Comparable Sales\n\nData and verification source(s) for each comparable sale must be reported in the Sales Comparison section of the Uniform\nResidential Appraisal Report (URAR) under data sources. Examples of data sources include, but are not limited to, a multiple\nlisting service, deed records, assessor records, real estate agents, builders or developers, appraisers, appraisers’ files, and other\nthird-party sources and vendors. The appraiser must state the specific data source (such as tax records or deed records), and\nrefrain from using broad categories, such as “public records.” Data source(s) must be reliable sources for the area where the\nsubject property is located.\n\nRegardless of the source(s) used, there must be sufficient data to understand and verify the conditions of sale, existence of\nfinancing concessions, physical characteristics of the subject property, and whether it was a typically motivated transaction.\n\nIt is acceptable to obtain comparable sales data from parties that have a financial interest in either the sale or financing of the\nsubject property; however, the appraiser must verify the data with a party that does not have a financial interest in the subject\ntransaction. For example, if the real estate agent of the subject property has provided comparable sales data, that information\nmust be verified through another disinterested source.\n\nPrior Sale and Transfer History of the Subject and Comparable Sales\n\nFannie Mae requires the appraiser to report and analyze the prior three-year subject property sale and transfer history and the\nprior twelve-month sale and transfer history for each of the comparables.\n"} diff --git a/chunks/json/2ce8de60c339c229c44d9ecdf75176af0313b04186c7fd47409e3d4a70c3b11b.json b/chunks/json/2ce8de60c339c229c44d9ecdf75176af0313b04186c7fd47409e3d4a70c3b11b.json new file mode 100644 index 0000000000000000000000000000000000000000..cad6a256d61389f0d38e2d8248e97258e94bda27 --- /dev/null +++ b/chunks/json/2ce8de60c339c229c44d9ecdf75176af0313b04186c7fd47409e3d4a70c3b11b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":358555,"char_start":356928,"chunk_id":"chk_93f3fa24acf775b8","chunk_index":291,"chunk_sha256":"2ce8de60c339c229c44d9ecdf75176af0313b04186c7fd47409e3d4a70c3b11b","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"2ce8de60c339c229c44d9ecdf75176af0313b04186c7fd47409e3d4a70c3b11b","token_estimate":407,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Unique ID\n\nParent Container\n\nMISMO Attribute Name\n\nSupported Attribute Enumerations\n\n0800.0039 RELATIONSHIP\n\n@xlink:arcrole\n\nurn:fdc:mismo.org:2009:residential/DATA_SOURCE_IsDataSourceFor_SALES_HISTORY\n\n0800.0040 RELATIONSHIP\n\n0800.0041 RELATIONSHIP\n\n0800.0038\n\nSALES_HISTORY\n\n0700.0124 DATA_SOURCE\n\n@xlink:from\n\n@xlink:to\n\n@xlink:label\n\n@xlink:label\n\nDATA_SOURCE_n\n\nSALES_HISTORY_n\n\nSALES_HISTORY_n\n\nDATA_SOURCE_n\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nDATA_SOURCE to PriorSalesOrTransfersIndicator (Subject Property)\n\nWhen the data source is associated with a subject property, provide the relationship that joins the PriorSalesOrTransfersIndicator data\npoint where the ValuationUseType = \"SubjectProperty\" and there are no prior sales or transfers.\n\nPage 274\n\nUnique ID\n\nParent Container\n\nMISMO Attribute Name\n\nSupported Attribute Enumerations\n\n0800.0034\n\nRELATIONSHIP\n\n@xlink:arcrole\n\nurn:fdc:mismo.org:2009:residential/DATA_SOURCE_IsDataSourceFor_PriorSalesOrTransfersIndicator\n\n0800.0035\n\nRELATIONSHIP\n\n@xlink:from\n\nDATA_SOURCE_n\n\n0800.0036\n\nRELATIONSHIP\n\n@xlink:to\n\nPriorSalesOrTransfersIndicator_n\n\n0800.0005\n\nPROPERTY_DETAIL\n\n@xlink:label\n\nPriorSalesOrTransfersIndicator_n\n\n0700.0124\n\nDATA_SOURCE\n\n@xlink:label\n\nDATA_SOURCE_n\n\nDATA_SOURCE to PriorSalesOrTransfersIndicator (Sales Comparable)\n\nWhen the data source is associated with a sales comparable, provide the relationship that joins the PriorSalesOrTransfersIndicator data\npoint where the ValuationUseType = \"SalesComparable\" and there are no prior sales or transfers.\n\nUnique ID\n\nParent Container\n\nMISMO Attribute Name\n\nSupported Attribute Enumerations\n"} diff --git a/chunks/json/2cf809bfd7c42f7b972a580fd7435825653da6b2da7e622594a0209ba18ff631.json b/chunks/json/2cf809bfd7c42f7b972a580fd7435825653da6b2da7e622594a0209ba18ff631.json new file mode 100644 index 0000000000000000000000000000000000000000..ee60b3fd6573bd5744dc5ae2ddbd5591d6f58b1a --- /dev/null +++ b/chunks/json/2cf809bfd7c42f7b972a580fd7435825653da6b2da7e622594a0209ba18ff631.json @@ -0,0 +1 @@ +{"chunk":{"char_end":408840,"char_start":407008,"chunk_id":"chk_ec6f6867acf2adee","chunk_index":229,"chunk_sha256":"2cf809bfd7c42f7b972a580fd7435825653da6b2da7e622594a0209ba18ff631","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"2cf809bfd7c42f7b972a580fd7435825653da6b2da7e622594a0209ba18ff631","token_estimate":458,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"18.0 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\nEscrow\n\n18.2 Escrowed\nProperty Costs\nover Year 1\n\n$3,461.00\n\n18.3 Non-Escrowed\nProperty Costs\nover Year 1\n\n$1,800\n\n18.4 Initial Escrow\nPayment\n\n18.5 Monthly\nEscrow Payment\n\n$412.25\n\n$288.48\n\n18.2.1 Estimated total amount over year 1 for your\nescrowed property costs:\nHomeowner’s Insurance\nProperty Taxes\nMortgage Insurance\n\n18.3.1 Estimated total amount over year 1 for your\nnon-escrowed property costs:\nHomeowner’s Association Dues\nYou may have other property costs.\n\nA cushion for the escrow account you\npay at closing. See Section G on page 2.\n\nThe amount included in your total monthly\npayment.\n\n18.1, cont’d  will not have an escrow account because  you declined it  your lender\n\ndoes not offer one. You must directly pay your property costs, such as taxes\nand homeowner’s insurance. Contact …\n\nNo Escrow\n\n18.6 Estimated\nProperty Costs\nover Year 1\n18.7 Escrow Waiver\nFee\n\n$\n\n$\n\nEstimated total amount over year 1. You must pay\nthese costs directly, possibly in one or two large\npayments a year.\n\nIn the future,\nYour property costs may change and, as a result, your escrow payment may change. …..\n\nFigure 110. Escrow Account\n\nAppendix E: UCD Implementation Guide\n\nPage 191 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n18.0 Escrow Account - UPDATED\n\n18. 1 ESCROW ACCOUNT I NDI CATOR\n\nLenders must check a box to indicate that they will establish an escrow account on behalf of the borrower to pay\nsome or all property costs associated with the loan. If there will be an escrow account, the fields under the\nEscrow heading (18.2 -18.5) must be completed.\n"} diff --git a/chunks/json/2cfda25fdc28ffad3c43488b7759a0b1fc91dde2c8e4155f15c63f08fd18cdd8.json b/chunks/json/2cfda25fdc28ffad3c43488b7759a0b1fc91dde2c8e4155f15c63f08fd18cdd8.json new file mode 100644 index 0000000000000000000000000000000000000000..a2afaa430ed132ccabf1c7786666e7b19bc2c00b --- /dev/null +++ b/chunks/json/2cfda25fdc28ffad3c43488b7759a0b1fc91dde2c8e4155f15c63f08fd18cdd8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":61452,"char_start":59764,"chunk_id":"chk_c6b4b7c13889e04c","chunk_index":15,"chunk_sha256":"2cfda25fdc28ffad3c43488b7759a0b1fc91dde2c8e4155f15c63f08fd18cdd8","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"2cfda25fdc28ffad3c43488b7759a0b1fc91dde2c8e4155f15c63f08fd18cdd8","token_estimate":422,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"The following typefaces and colors are used throughout this document:\n\n1. Document and form titles are represented in italics. For example: Closing Disclosure, UCD I-Guide.\n\n2. Document section names and table headings are represented between double quotation marks. For\n\nexample: See the chapter, “UCD Data Point Categories”.\n\n3. UCD Form Field ID: On Closing Disclosure excerpts from Appendix C, a red superimposed number identifying\n\na specific location on the form. For example: 1.1 Date Issued.\n\nFor data points not sourced from a Closing Disclosure field, the form field ID value “GSE” is used for GSE-\nSpecific data points and “XML” is used for XML-Required data points. For example: GSE for\nAppraisalIdentifier. The three different categories of UCD data point are explained in detail in “IV. UCD Data\nPoint Categories.”\n\n4. UCD Form Field Name: On the Closing Disclosure, bold black text is used for field labels and headings. For\n\nexample: Date Issued.\n\nGSE-specific and XML-required data points are assigned the most applicable Closing Disclosure section name\nfor context. For example: Closing Information for AppraisalIdentifier.\n\n5. Form Field Entries: On Closing Disclosure excerpts, Green text is used for the data values used to complete\n\nthe Closing Disclosure according to CFPB requirements.\n\n6. On Closing Disclosure excerpts, dark gray text is used to de-emphasize fields or sections that are not\n\ncurrently under discussion (see Figure 1).\n\n7. On Closing Disclosure excerpts, a zig zag border indicates that Closing Disclosure sections or fields below or\n\nto either side of the border have been excluded because they are not currently under discussion (see Figure\n1).\n"} diff --git a/chunks/json/2d2203b3fc4e7852f18ddd52eeab6de312467bf6a3d4781758656a5061add6b7.json b/chunks/json/2d2203b3fc4e7852f18ddd52eeab6de312467bf6a3d4781758656a5061add6b7.json new file mode 100644 index 0000000000000000000000000000000000000000..6f1c8c9269021b01fc88bbdbb852b7f5ddcf011a --- /dev/null +++ b/chunks/json/2d2203b3fc4e7852f18ddd52eeab6de312467bf6a3d4781758656a5061add6b7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":34555,"char_start":32547,"chunk_id":"chk_70bc470a1fcd0fdc","chunk_index":19,"chunk_sha256":"2d2203b3fc4e7852f18ddd52eeab6de312467bf6a3d4781758656a5061add6b7","date_utc":"2026-01-27T18:07:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_221a19b69e218256","text_sha256":"2d2203b3fc4e7852f18ddd52eeab6de312467bf6a3d4781758656a5061add6b7","token_estimate":502,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/_.pdf/SF5A_Appraisal_v1.1.pdf"]},"text":"12. 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\n14. I based my valuation on the available properties that are most similar to the subject property.\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\n16. I have identified the differences between the subject and comparable properties, analyzed the market reaction to those differences, and\nreflected those differences in the analysis.\n\n17. To the extent possible, I verified, from a disinterested source, all information in this report that was provided by parties who have a financial\ninterest in the sale or financing of the subject property.\n\n18. I have taken into consideration the factors that have an impact on value with respect to the subject property, and its location, including its\nproximity to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions\n(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental\nconditions, etc.) that I became aware of during the development of this appraisal. I have considered these adverse conditions in my analysis of\nthe property value and have reported on the effect of the conditions on the value and marketability of the subject property.\n"} diff --git a/chunks/json/2d356dcc3dd500f48a315d629a280b3c2116f73c303f562fd2a44e68d34adc4b.json b/chunks/json/2d356dcc3dd500f48a315d629a280b3c2116f73c303f562fd2a44e68d34adc4b.json new file mode 100644 index 0000000000000000000000000000000000000000..75ba717e3653adbd3258da824b9520805553bb98 --- /dev/null +++ b/chunks/json/2d356dcc3dd500f48a315d629a280b3c2116f73c303f562fd2a44e68d34adc4b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":56518,"char_start":54789,"chunk_id":"chk_09582063075bb49d","chunk_index":40,"chunk_sha256":"2d356dcc3dd500f48a315d629a280b3c2116f73c303f562fd2a44e68d34adc4b","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"2d356dcc3dd500f48a315d629a280b3c2116f73c303f562fd2a44e68d34adc4b","token_estimate":432,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"When PartyRoleType = \"AppraiserSupervisor\":\n− FirstName and LastName always display.\n− MiddleName and SuffixName display when provided.\n\nPage 47\n\nReport\nField ID\n\nReport Label\nName\n\n05.040\n\nDate of\nSignature and\nReport\n\n05.042\n\nLevel\n\n05.043\n\nID\n\n05.044\n\nState\n\n05.045\n\nExpires\n\nCertifications: Signature\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\n2200.0109\n\nSuffixName\n\n2200.0070\n2200.0125\n\n2200.0100\n2200.0111\n\n2200.0103\n2200.0114\n\n2200.0104\n2200.0115\n\n2200.0102\n2200.0113\n\nExecutionDate\n\nAppraiserLicenseType\n\nLicenseIdentifier\n\nLicenseIssuingAuthorityStateCode\n\nLicenseExpirationDate\n\nFigure 9 - 1\n\nWhen PartyRoleType = \"Appraiser\" (UID: 2200.0070) OR\n\"AppraiserSupervisor\" (UID: 2200.0125)\n\nWhen PartyRoleType = \"Appraiser\" (UID: 2200.0100) OR\n\"AppraiserSupervisor\" (UID: 2200.0111)\nWhen PartyRoleType = \"Appraiser\" (UID: 2200.0103) OR\n\"AppraiserSupervisor\" (UID: 2200.0114) AND\nAppraiserLicenseType <> \"None\"\nWhen PartyRoleType = \"Appraiser\" (UID: 2200.0104) OR\n\"AppraiserSupervisor\" (UID: 2200.0115) AND\nAppraiserLicenseType <> \"None\"\nWhen PartyRoleType = \"Appraiser\" (UID: 2200.0102) OR\n\"AppraiserSupervisor\" (UID: 2200.0113) AND\nAppraiserLicenseType <> \"None\"\n\nRestricted Appraisal Update Report – Arcrole Relationships\n\nArcrole relationships, establishes \"relationships\" or linkages in the XML data file that may be visually obvious on the Restricted Appraisal Update Report.\nIn the XML data, specific instances of data points or containers must be connected to properly represent the information.\n\nPage 48\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/2d3888a81906b10f8373b9c12beaa06fdb218f154fa7b8fbd20f52b0e95c0ef7.json b/chunks/json/2d3888a81906b10f8373b9c12beaa06fdb218f154fa7b8fbd20f52b0e95c0ef7.json new file mode 100644 index 0000000000000000000000000000000000000000..0160fc7f023ed6130e32543ea03d0ebd706e1a27 --- /dev/null +++ b/chunks/json/2d3888a81906b10f8373b9c12beaa06fdb218f154fa7b8fbd20f52b0e95c0ef7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3047,"char_start":2590,"chunk_id":"chk_6049c0813cad624c","chunk_index":4,"chunk_sha256":"2d3888a81906b10f8373b9c12beaa06fdb218f154fa7b8fbd20f52b0e95c0ef7","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"2d3888a81906b10f8373b9c12beaa06fdb218f154fa7b8fbd20f52b0e95c0ef7","token_estimate":417,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"VA Loans ............................................................................................................................................ 12\n\nCredit Request .................................................................................................................................... 12\n\nEarlyCheck ......................................................................................................................................... 15\n"} diff --git a/chunks/json/2d4026479531d393ad6c448cff87ec5e12b060e4d224e3b066e1cbd2750ebc3d.json b/chunks/json/2d4026479531d393ad6c448cff87ec5e12b060e4d224e3b066e1cbd2750ebc3d.json new file mode 100644 index 0000000000000000000000000000000000000000..348c5099ca7af4548357e092e45187c3fd9b65bd --- /dev/null +++ b/chunks/json/2d4026479531d393ad6c448cff87ec5e12b060e4d224e3b066e1cbd2750ebc3d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":693976,"char_start":692357,"chunk_id":"chk_b66e405ea6b499cf","chunk_index":413,"chunk_sha256":"2d4026479531d393ad6c448cff87ec5e12b060e4d224e3b066e1cbd2750ebc3d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"2d4026479531d393ad6c448cff87ec5e12b060e4d224e3b066e1cbd2750ebc3d","token_estimate":405,"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 311 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\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nCost Approach: Indicated Value by Cost Approach\n\n25.003 As Is Value of\nSite\nImprovements\n\n25.004 Opinion of Site\nValue\n\nAlways displays\n\nDollar amount\n\nAlways displays\n\nDollar amount\n\nTotal As Is Value of Site Improvements: The total value contributed by other “as\nis” improvements located on the subject property. Can be 0, such as when\nProperty Rights Appraised is Leasehold.\nRedisplays from the As Is Value of Site Improvements subsection 25.039.\n\nThe dollar value estimated for the property site (e.g., land that is improved so\nthat it is ready to be used for a specific purpose). Can be 0, such as when\nProperty Rights Appraised is Leasehold.\nRedisplays from the Site Value subsection 25.041.\n\nDepreciated Cost - Dwelling\n\nThe Depreciated Cost – Dwelling table repeats for each dwelling.\n\nInformation that May Display in Gray Bar\n\nThe Depreciated Cost – Dwelling gray bar provides context about the dwelling.\nExamples:\n• A single-family property would display “Depreciated Cost – Dwelling”\n• A 2- to 4-unit property with multiple dwellings might display “Depreciated Cost – Dwelling – Building 2”,\n\ndepending on appraiser inputs\n\no Structure Identifier is Building 2\n\nCost Approach – Depreciated Cost of Dwelling\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n25.005 Depreciated\n\nDisplay only\n\nN/A\n\nCost – Dwelling\n(gray bar)\n\nDefinition / Additional Guidance\n"} diff --git a/chunks/json/2d4304e3b7f5de460dc49d2025d2c068efc33dde9d2bc3544b9bf4415a0b611d.json b/chunks/json/2d4304e3b7f5de460dc49d2025d2c068efc33dde9d2bc3544b9bf4415a0b611d.json new file mode 100644 index 0000000000000000000000000000000000000000..82e280c19bd3836813970d82ec292da9495ccabe --- /dev/null +++ b/chunks/json/2d4304e3b7f5de460dc49d2025d2c068efc33dde9d2bc3544b9bf4415a0b611d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":405945,"char_start":404339,"chunk_id":"chk_34f4612643f3a20d","chunk_index":234,"chunk_sha256":"2d4304e3b7f5de460dc49d2025d2c068efc33dde9d2bc3544b9bf4415a0b611d","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"2d4304e3b7f5de460dc49d2025d2c068efc33dde9d2bc3544b9bf4415a0b611d","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Proximity\nQuality\n\nProximity\n\nFinished Area\nProximity\n\nFinished Area\nQuality\n\nSuperior quality and located further from subject\n\nLocated further from subject\n\nHad 5 bedrooms, but because it was larger\nand farther away, it was not used.\n\nProperty has a media room and wet bar,\nbut is larger and of superior quality.\n\nAppraiser Reference ID 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 16 of 21\nPage 16 of 21\n\nSales Comparison Approach (continued)\n\nCheck W/KATE-\n\nNEW PAGE?\n\nSales Comparison Map\n\nThis is where the Comparable Sales Map photo would display.\n\nAppraiser Reference ID 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 17 of 21\nPage 17 of 21\n\nSales Comparison Approach (continued)\n\nSales Comparison Approach Exhibits\n\nComparable #1\n\nComparable #2\n\nThis is where the Comparable 1 photo would display.\n\nThis is where the Comparable 2 photo would display.\n\nComparable #3\n\nThis is where the Comparable 3 photo would display.\n\nReconciliation\n\nApproaches to Value\n\nIndicated Value\n\nReason for Exclusion\n\nAppraisal Summary\n\nContract Price\nOpinion of Market Value\nMarket Value Condition\n\nSales Comparison Approach\n$491,000\n\nIncome Approach\n\nCost Approach\n\nNot Necessary for Credible Results\n\nNot Necessary for Credible Results\n\n$489,000\n$491,000\nSubject to Repair\n\nReasonable Exposure Time\nEffective Date of Appraisal\n"} diff --git a/chunks/json/2d4c36a89022b88da528fc9bb055801c4bde8bac7245e150655d6108d1f1245f.json b/chunks/json/2d4c36a89022b88da528fc9bb055801c4bde8bac7245e150655d6108d1f1245f.json new file mode 100644 index 0000000000000000000000000000000000000000..bc9b0826fe003c7bb1f8072af718bf1c2a324a18 --- /dev/null +++ b/chunks/json/2d4c36a89022b88da528fc9bb055801c4bde8bac7245e150655d6108d1f1245f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":731235,"char_start":729617,"chunk_id":"chk_f2625d1188879d79","chunk_index":433,"chunk_sha256":"2d4c36a89022b88da528fc9bb055801c4bde8bac7245e150655d6108d1f1245f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2d4c36a89022b88da528fc9bb055801c4bde8bac7245e150655d6108d1f1245f","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/NEIGHBORHOO\nD_EXTENSION/NEIGHBORHOOD_EXTENSION_SECTION[@ExtensionSect\nionOrganizationName='UNIFORM APPRAISAL\nDATASET']/NEIGHBORHOOD_EXTENSION_SECTION_DATA/NEIGHBOR\nHOOD_BOUNDARIES/@GSENeighborhoodBoundariesDescription\n\n84\n\n85\n\n86\n\n87\n\n88\n\nNEIGHBORHOOD Neighborhood Description\n\nNeighborhood\nDescription\n\nA free-form text field describing the\nneighborhood.\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/@_Description\n\nNEIGHBORHOOD\n\nMarket Conditions (including support\nfor the above conclusions)\n\nNeighborhood\nMarket Conditions\nDescription\n\nPROJECT SITE\n\nTopography\n\nPROJECT SITE\n\nSize\n\nPROJECT SITE\n\nDensity\n\nSite Feature\nComment\n\nSite Feature\nComment\n\nSite Feature\nComment\n\nA free-form text field used to discuss\nmarket conditions in the neighborhood\nthat may effect property values.\nA free-form text field used to describe or\ncomment on the aspect of the property\nnamed in the Site Feature Type.\nA free-form text field used to describe or\ncomment on the aspect of the property\nnamed in the Site Feature Type.\nA free-form text field used to describe or\ncomment on the aspect of the property\nnamed in the Site Feature Type.\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/@_MarketConditi\nonsDescription\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_FEATURE[@_Type='Top\nography']/@_Comment\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_FEATURE[@_Type='Size\n']/@_Comment\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_FEATURE[@_Type='Den\nsity']/@_Comment\n\n10\n\n16\n\n16\n\n16\n\n7\n\n7\n\n7\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n4000\n\n4000\n\n4000\n\n40\n\n30\n\n30\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Neighborhood Section\n"} diff --git a/chunks/json/2d4c978eb45507caf5d8bf4b3675ffa13f445f72e5db40fbade52cf7da6a9d36.json b/chunks/json/2d4c978eb45507caf5d8bf4b3675ffa13f445f72e5db40fbade52cf7da6a9d36.json new file mode 100644 index 0000000000000000000000000000000000000000..d9de9e3cbbf7ccb5ae290018990369c582c84201 --- /dev/null +++ b/chunks/json/2d4c978eb45507caf5d8bf4b3675ffa13f445f72e5db40fbade52cf7da6a9d36.json @@ -0,0 +1 @@ +{"chunk":{"char_end":296047,"char_start":294422,"chunk_id":"chk_aeeaea47334b0675","chunk_index":169,"chunk_sha256":"2d4c978eb45507caf5d8bf4b3675ffa13f445f72e5db40fbade52cf7da6a9d36","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"2d4c978eb45507caf5d8bf4b3675ffa13f445f72e5db40fbade52cf7da6a9d36","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"1.0 Closing Information\n\n2.0 Transaction Information\n\nFigure 112. Parties Required for all Files.\n\n2.1 Borrower\nPartyRoleType =\n“Borrower”\n\nMichael Jones\nINDIVIDUAL/NAME/FirstName LastName\n\n123 Anywhere Street, Unit C\nAddressLineText, AddressUnitIdentifier\n\nAnytown, ST 12345\nCityName, StateCode PostalCode\n\n1.4 Settlement Agent\nPartyRoleType =\n“ClosingAgent”\n\nEpsilon Title\nLEGAL_ENTITY/LEGAL_\nENTITY_DETAIL/FullNa\nme\n\n2.3 Lender\nPartyRoleType =\n“NotePayTo”\n\nFicus Bank\nLEGAL_ENTITY/LEGAL_ENTITY_DETAIL/Ful\nlName\n\nThe organization and individual contact information for the Note Pay To and Closing Agent are also rendered on 23.0 “Contact\nInformation Table”. The data points used to populate each column and row of the “Contact Information” table are shown in\nthe following figure.\n\nFigure 113. Rendering Required Data Points on the Contact Table.\n\nContact Information\n\n23.0\n\nLender 23.0.1\nPartyRoleType = “NotePayTo”\n\nSettlement Agent 23.0.5\nPartyRoleType = “ClosingAgent”\n\n23.1.1 Ficus Bank\n\n23.1.5 Epsilon Title Co.\n\n23.1 Name\nPARTY/LEGAL_ENTITY/LEGAL_ENTITY\n_DETAIL/FullName\n\n23.2 Address\nAddressLineText, AddressUnitIdentifier\nCityName, StateCode PostalCode\n\n23.2.1\n4321 Random Blvd., Ste. 560\nSomecity, ST 12340\n\n23.2.5\n123 Commerce Pl.\nSomecity, ST 12344\n\n23.3 NMLS ID\nLicenseIdentifier\n\n23.4 License ID\nLicenseIdentifier\n\n23.3.1 111111\n\n23.3.5\n\n23.4.1\n\n23.4.5 AX787811\n\nUCD v2.0 Implementation Guide\n\n- 135 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 113. Rendering Required Data Points on the Contact Table.\n\nContact Information\n\n23.0\n\nLender 23.0.1\nPartyRoleType = “NotePayTo”\n"} diff --git a/chunks/json/2d5bf1f331ffebeb8ae6cde282a9d25d10478c31316dc131effe4c56fec56b10.json b/chunks/json/2d5bf1f331ffebeb8ae6cde282a9d25d10478c31316dc131effe4c56fec56b10.json new file mode 100644 index 0000000000000000000000000000000000000000..695290c6fec7f8b88f1bd6d8f61276124f077d12 --- /dev/null +++ b/chunks/json/2d5bf1f331ffebeb8ae6cde282a9d25d10478c31316dc131effe4c56fec56b10.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13813,"char_start":12156,"chunk_id":"chk_84f20156e1c89082","chunk_index":7,"chunk_sha256":"2d5bf1f331ffebeb8ae6cde282a9d25d10478c31316dc131effe4c56fec56b10","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4cc3cc07fb4fc72c","text_sha256":"2d5bf1f331ffebeb8ae6cde282a9d25d10478c31316dc131effe4c56fec56b10","token_estimate":415,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2024-loan-delivery-release-notes-printable-version.pdf"]},"text":"May 1, 2024\n\nFirst-generation\nHomebuyer\n\nFannie Mae recently announced the introduction of the definition for a first-generation homebuyer loan. To support this\nannouncement, Loan Delivery will introduce Special Feature Code 886 (First Generation Homebuyer Loan) and 2 new fatal\nedits, 1105 and 1106, to assist in assessing first-generation homebuyer loan eligibility.\n\nSee Selling Guide Announcement 2024-03 and Loan Delivery Business Rules for more details.\n\nMay 4, 2024\n\nMaintenance Window\n\nEffective May 4, 2024 Loan Delivery will extend its scheduled maintenance period each weekend due to ongoing\nmaintenance. The previous downtime window from 5 p.m. Eastern Time (ET) on Saturday to 8 a.m. ET on Sunday will now\nbe from 8 a.m. ET on Saturday to 8 a.m. ET on Sunday each weekend.\n\nMay 20, 2024\n\nMBS Social Indicator\n\nTo further support the Single-Family Mission Index, a Social Indicator will be added for each MBS Pool in Loan Delivery to\ndesignate if the MBS is eligible for a Social label. The Social Indicator will be \"Y\" if the Mission Criteria Share percentage is\n100% and the Mission Density Score is at least 2.00; otherwise, the Social Indicator will be \"N\". For Fannie Majors pools, the\nscores displayed apply to the Major piece and not the entire pool. The Social Indicator field will be added to the Pool\nStatistics tab on the Pool Detail screen. See job aid for details\nat https://singlefamily.fanniemae.com/media/document/pdf/loan-delivery-mission-index-job-aid\n\nNote: MBS pools submitted before May 20, 2024, may not display the correct Social Indicator. The Social Indicator applies\nto all MBS pools submitted on or after May 20, 2024.\n"} diff --git a/chunks/json/2d5c2e3abc2a14285852b699adea0c95ef33741207ba952984ed17b9b7d84a15.json b/chunks/json/2d5c2e3abc2a14285852b699adea0c95ef33741207ba952984ed17b9b7d84a15.json new file mode 100644 index 0000000000000000000000000000000000000000..0755d2a93c3772426fb331a35631b9b9bcf862ea --- /dev/null +++ b/chunks/json/2d5c2e3abc2a14285852b699adea0c95ef33741207ba952984ed17b9b7d84a15.json @@ -0,0 +1 @@ +{"chunk":{"char_end":120421,"char_start":118752,"chunk_id":"chk_ccbcc970c8487bd6","chunk_index":117,"chunk_sha256":"2d5c2e3abc2a14285852b699adea0c95ef33741207ba952984ed17b9b7d84a15","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"2d5c2e3abc2a14285852b699adea0c95ef33741207ba952984ed17b9b7d84a15","token_estimate":417,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"• Comparable Rental Properties table columns set x 7 picas 6 points wide, maximum 6 columns x 45 picas\n\n(Subject Property and 5 Comps), 2 rows\n\n• First row shows photos of each property\n\n• Second row: Set “Subject Property” as TB-B in first cell, in the following cells set “Comparable #,” “Data\n\nSource:”, “Lease Start Date:”, “Actual Rent:” set as TB-B\n\n•\n\nIf more than 5 comparables, comparable cells repeat (see below). Subject Property information appears\nonly once.\n\nAppendix E: Report Style Guide\n\nPage 66 of 90\n\nVersion 1.4\n\nCOMPARABLE RENTAL PROPERTIES TABLE\n\nComparable Rental Analysis (H1)\n\nComparable Rental Analysis table differs from standard tables in 3 ways:\n\n1. Each part of the table is set off by a .75 point bounding box (closed on all sides); and a 4-point\n\ngutter between each part.\n\n2. The width of the page is filled by:\n\no First column sets as x 7 picas 8 points.\n\no 4 points space\n\no Second, third, fourth, fifth, and sixth columns set x 4p7 and comprise one grid of a subject\n\nproperty unit and 3 rental comparables.\n\no 4 points space\n\no Repetition of second, third, fourth, fifth, and sixth columns set x 4p7 and comprise one grid of a\n\nsubject property unit and 3 rental comparables.\n\n3. Each Subject Unit can have 3–7 comparables. If there are more than 3 comparables, after all the\n\ninformation is recorded for the Comps, the leftmost column and the “Subject [Unit Identifier]” column\nrepeat below, followed by “Comparable #” repeating as necessary.\n\no For 3 comparables, see layout below. For over 3 comparables, follow alternate layout below.\n\no\n\nIf applicable per the iGuide, an em-dash “—” can appear in a cell instead of other text.\n"} diff --git a/chunks/json/2d5ffd3a5ea819bc468d4017747745bedcf2f581e5d4a656d7ff18c8646947df.json b/chunks/json/2d5ffd3a5ea819bc468d4017747745bedcf2f581e5d4a656d7ff18c8646947df.json new file mode 100644 index 0000000000000000000000000000000000000000..3d8c263ec916e3aaa4deee83f7a9b946f202ab3a --- /dev/null +++ b/chunks/json/2d5ffd3a5ea819bc468d4017747745bedcf2f581e5d4a656d7ff18c8646947df.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5949,"char_start":5495,"chunk_id":"chk_f47d0df3bfc06a36","chunk_index":8,"chunk_sha256":"2d5ffd3a5ea819bc468d4017747745bedcf2f581e5d4a656d7ff18c8646947df","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"2d5ffd3a5ea819bc468d4017747745bedcf2f581e5d4a656d7ff18c8646947df","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Overview ................................................................................................................................................................................................................................... 16\n\nData Mapping and PDF Rendering Information ....................................................................................................................................................................... 16\n"} diff --git a/chunks/json/2d67dd27ce2eebe4b6ce4062fe70cc0ad43e682c0a87579cccce622fd776a7cd.json b/chunks/json/2d67dd27ce2eebe4b6ce4062fe70cc0ad43e682c0a87579cccce622fd776a7cd.json new file mode 100644 index 0000000000000000000000000000000000000000..9323f4c36eac7ef526c6ab989172e7770f8532ce --- /dev/null +++ b/chunks/json/2d67dd27ce2eebe4b6ce4062fe70cc0ad43e682c0a87579cccce622fd776a7cd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":593856,"char_start":592271,"chunk_id":"chk_9accb305530f386b","chunk_index":342,"chunk_sha256":"2d67dd27ce2eebe4b6ce4062fe70cc0ad43e682c0a87579cccce622fd776a7cd","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"2d67dd27ce2eebe4b6ce4062fe70cc0ad43e682c0a87579cccce622fd776a7cd","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 10 of 19\nPage 10 of 19\n\nPG BRK\n\nSales Comparison Approach\n\nSubject Property\n\nComparable # 1\n\nComparable #2\n\nComparable #3\n\nGeneral Information\n\nProperty Address\n\n213 Tree Stand Rd\nAnytown, MD 09992\n\n318 Pine Crest Rd\nAnytown, MD 09992\n\n231 Beech Tree St\nAnytown, MD 09992\n\n431 Holly Ave\nAnytown, MD 09992\n\nThis is where the\nDwelling Front photo\nwould display.\n\nThis is where the\nComparable 1 photo\nwould display.\n\nThis is where the\nComparable 2 photo\nwould display.\n\nThis is where the\nComparable 3 photo\nwould display.\n\nMLS HC3148234 |\nAssessor Record\n\nMLS HC3183023 |\nAssessor Record\n\nMLS HC1234823 |\nAssessor Record\n\n0.24 Miles N\n\n$339,900\n\nSettled Sale\n\n$335,000\n\n$0\n\n$0\n\n$0\n\n$1,500\n\n11/17/2023\n\n12/28/2023\n\n39\n\n—\n\n—\n\n—\n\n—\n\n—\n\nDetached\n\nDetached\n\n0.16 Miles W\n\n$350,000\n\nSettled Sale\n\n$350,000\n\n$0\n\n$0\n\n$0\n\n$2,500\n\n12/15/2023\n\n01/05/2024\n\n50\n\nDetached\n\n0.40 Miles E\n\n$364,900\n\nSettled Sale\n\n$364,900\n\n$0\n\n$0\n\n$0\n\n$3,000\n\n12/01/2023\n\n01/15/2024\n\n72\n\nDetached\n\n15,000 Sq. Ft.\n\n13,500 Sq. Ft.\n\n$0\n\n15,000 Sq. Ft.\n\nHilltop Hills\n\nHilltop Hills\n\nHilltop Hills\n\n15,000 Sq. Ft.\n\nHilltop Hills\n\nResidential | Full\n\nHigh Density\nResidential | Full\n\n$6,500\n\nResidential | Full\n\nResidential | Full\n\n2018\n\n2017\n\n$0\n\n2018\n\n2019\n\n$0\n\nForced Warm Air | Natural Gas\n\nForced Warm Air\n| Natural Gas\n\nForced Warm Air\n| Natural Gas\n\nForced Warm Air\n| Natural Gas\n\n3\n\n2 | 0\n\n3\n\n2 | 0\n\n3\n\n2 | 0\n\n3\n\n2 | 0\n\n1,260 Sq. Ft.\n\n1,200 Sq. Ft.\n\n$4,500\n\n1,260 Sq. Ft.\n\n1,312 Sq. Ft.\n\n$(3,900)\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\nData Source\n\nProximity to Subject\n"} diff --git a/chunks/json/2d708c171aa837c4dbbc2af34302b5cee65030673ece5c1545373cd72b46972b.json b/chunks/json/2d708c171aa837c4dbbc2af34302b5cee65030673ece5c1545373cd72b46972b.json new file mode 100644 index 0000000000000000000000000000000000000000..03c21a5e21f7841d2830b131376479b8b2dd90f7 --- /dev/null +++ b/chunks/json/2d708c171aa837c4dbbc2af34302b5cee65030673ece5c1545373cd72b46972b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14249,"char_start":12771,"chunk_id":"chk_5ec2ac815d8b479e","chunk_index":8,"chunk_sha256":"2d708c171aa837c4dbbc2af34302b5cee65030673ece5c1545373cd72b46972b","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_da248e1b967abf99","text_sha256":"2d708c171aa837c4dbbc2af34302b5cee65030673ece5c1545373cd72b46972b","token_estimate":466,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Media_Library___FHFA_279ngw.md"]},"text":"July 24, 2023\n\n## [2023 Duty to Serve Listening Session: Manufactured Housing](/news/videos/2023-duty-to-serve-listening-session-manufactured-housing)\n\n![Preview image for the video \"2023 Duty to Serve Listening Session: Manufactured 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\nJuly 24, 2023\n\n## [2023 Duty to Serve Listening Session: Affordable Housing Preservation](/news/videos/2023-duty-to-serve-listening-session-affordable-housing-preservation)\n\n![Preview image for the video \"2023 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, 2023\n\n## [FHFA Working Paper Series: The Value of Intermediaries for GSE Loans](/news/videos/the-value-of-intermediaries-for-gse-loans)\n\n![Preview image for the video \"FHFA Working Paper Series: The Value of Intermediaries for GSE Loans\".](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 30, 2023\n\n## [FHFA House Price Index 2023 Q1](/news/videos/fhfa-house-price-index-2023-q1)\n\n![Preview image for the video \"FHFA House Price Index 2023 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/2d768fa9fa0b624f4b889056c0c1b02c860d1cdcdf95b20e10df2c3d46cd7bfc.json b/chunks/json/2d768fa9fa0b624f4b889056c0c1b02c860d1cdcdf95b20e10df2c3d46cd7bfc.json new file mode 100644 index 0000000000000000000000000000000000000000..6843d2c587fca83691e8c6434d17af16cf92f25b --- /dev/null +++ b/chunks/json/2d768fa9fa0b624f4b889056c0c1b02c860d1cdcdf95b20e10df2c3d46cd7bfc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":488721,"char_start":487091,"chunk_id":"chk_7f3073552b72694c","chunk_index":287,"chunk_sha256":"2d768fa9fa0b624f4b889056c0c1b02c860d1cdcdf95b20e10df2c3d46cd7bfc","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2d768fa9fa0b624f4b889056c0c1b02c860d1cdcdf95b20e10df2c3d46cd7bfc","token_estimate":408,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"PROJECT\nANALYSIS\n\nI did analyze the condominium\nproject budget for the current\nyear.\n\nProject Analysis\nBudget Analyzed\nIndicator\n\nIndicates that the appraiser analyzed the\nproject's budget.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@\n_BudgetAnalyzedIndicator='Y']\n\n1\n\n1\n\nBoolean\n\nBoolean\n\nPROJECT\nANALYSIS\n\nPROJECT\nANALYSIS\n\nI did not analyze the\ncondominium project budget for\nthe current year.\n\nProject Analysis\nBudget Analyzed\nIndicator\n\nExplain the results of the\nanalysis of the budget (adequacy\nof fees, reserves, etc.), or why\nthe analysis was not performed.\n\nProject Analysis\nBudget Analysis\nComment\n\nIndicates that the appraiser analyzed the\nproject's budget.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@\n_BudgetAnalyzedIndicator='N']\n\nA free-form text field describing the\nresults of analyzing the project budget.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/@\n_BudgetAnalysisComment\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\n222\n\n2\n\n20\n\nPROJECT\nANALYSIS\n\nAre there any other fees (other\nthan regular HOA charges) for\nthe use of the project facilities?\nYes\n\nProject Analysis\nAdditional\nFacilities Fee\nIndicator\n\nIndicates that the project does impose an\nadditional fee beyond the standard project\nfee.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@\n_AdditionalFacilitiesFeeIndicator='Y']\n\n223\n\n2\n\n21\n\nPROJECT\nANALYSIS\n\nAre there any other fees (other\nthan regular HOA charges) for\nthe use of the project facilities?\nNo\n\nProject Analysis\nAdditional\nFacilities Fee\nIndicator\n"} diff --git a/chunks/json/2d76bc3f3983eb47c91cce9779f8a0d014ce7482b9e42ef52d3d93e6bced8114.json b/chunks/json/2d76bc3f3983eb47c91cce9779f8a0d014ce7482b9e42ef52d3d93e6bced8114.json new file mode 100644 index 0000000000000000000000000000000000000000..858e3e5f782892def7dca9662387c03553483772 --- /dev/null +++ b/chunks/json/2d76bc3f3983eb47c91cce9779f8a0d014ce7482b9e42ef52d3d93e6bced8114.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1606,"char_start":0,"chunk_id":"chk_5adf0f562d3ff1de","chunk_index":0,"chunk_sha256":"2d76bc3f3983eb47c91cce9779f8a0d014ce7482b9e42ef52d3d93e6bced8114","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_65b5a11c34b6e13c","text_sha256":"2d76bc3f3983eb47c91cce9779f8a0d014ce7482b9e42ef52d3d93e6bced8114","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-integration-impact-memo-may-17-2025.pdf"]},"text":"Desktop Underwriter/Desktop Originator Integration Impact Memo\nDU Version 12.0 May Update\n\nMay 2, 2025\n\nDuring the weekend of May 17, 2025, Fannie Mae will implement an update to Desktop Underwriter® (DU®) Version 12.0. The\nchanges in this release will apply to DU Version 12.0 loan casefiles submitted or resubmitted to DU during or after the weekend of\nMay 17, 2025, except for the Condo Project Manager™ (CPM™) changes.\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\n34\n\n16\n\n2\n\nThe DU Version 12.0 May update was implemented in the DU integration environment on April 16, 2025.\n\nThe final DU message file was distributed via email from Integration News (integration_news@fanniemae.com) to authorized\nsubscribers on May 1, 2025. The DU Message file is now available to lenders on Fannie Mae Connect.\n\nCondo Project Manager\n"} diff --git a/chunks/json/2d904e648a0175c3089b127e5c98630d38d1e26daf75154899a7f7edc5783b31.json b/chunks/json/2d904e648a0175c3089b127e5c98630d38d1e26daf75154899a7f7edc5783b31.json new file mode 100644 index 0000000000000000000000000000000000000000..2fa3839ee98b8bf3e989bfe4da867a56f7c067b6 --- /dev/null +++ b/chunks/json/2d904e648a0175c3089b127e5c98630d38d1e26daf75154899a7f7edc5783b31.json @@ -0,0 +1 @@ +{"chunk":{"char_end":29903,"char_start":28414,"chunk_id":"chk_85856f3b7bdf5f0d","chunk_index":16,"chunk_sha256":"2d904e648a0175c3089b127e5c98630d38d1e26daf75154899a7f7edc5783b31","date_utc":"2026-01-27T17:47:59+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b2ae32f02cf8673","text_sha256":"2d904e648a0175c3089b127e5c98630d38d1e26daf75154899a7f7edc5783b31","token_estimate":483,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/National_Mortgage_Database_Program___FHFA_dj6a7.md"]},"text":"[Homeowners' Equity Remains High](/blog/statistics/homeowners-equity-remains-high) (8/31/2023)\n\n[What Types of Mortgages Do Fannie Mae and Freddie Mac Acquire?](/blog/statistics/what-types-of-mortgages-do-fannie-mae-and-freddie-mac-acquire) (4/14/2021)\n\n[Mortgage Performance During the COVID-19 Pandemic](/blog/statistics/mortgage-performance-during-the-covid-19-pandemic) (2/2/2021)\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\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/2d95e5e13ae46552b72369882c5f19171c717dbcc77f68ee17c4932615cb0031.json b/chunks/json/2d95e5e13ae46552b72369882c5f19171c717dbcc77f68ee17c4932615cb0031.json new file mode 100644 index 0000000000000000000000000000000000000000..5b40b5c6b137b9b7a239215659be23a7d9f39a91 --- /dev/null +++ b/chunks/json/2d95e5e13ae46552b72369882c5f19171c717dbcc77f68ee17c4932615cb0031.json @@ -0,0 +1 @@ +{"chunk":{"char_end":57243,"char_start":55365,"chunk_id":"chk_dc9463a3736611ce","chunk_index":33,"chunk_sha256":"2d95e5e13ae46552b72369882c5f19171c717dbcc77f68ee17c4932615cb0031","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"2d95e5e13ae46552b72369882c5f19171c717dbcc77f68ee17c4932615cb0031","token_estimate":470,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"FTR-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\nTXC-NP\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\n14. I based my valuation on the available properties that are most similar to the subject property.\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\n16. I have identified the differences between the subject and comparable properties, analyzed the market reaction to those differences, and\nreflected those differences in the analysis.\n\n17. To the extent possible, I verified, from a disinterested source, all information in this report that was provided by parties who have a financial\ninterest in the sale or financing of the subject property.\n\n18. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject property, and\nthe proximity of the subject property to adverse influences in the development of my opinion of market value. I have noted in this appraisal\nreport any adverse conditions (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances,\nadverse environmental conditions, etc.) that I became aware of during the development of this appraisal. I have considered these adverse\nconditions in my analysis of the property value and have reported on the effect of the conditions on the value and marketability of the subject\nproperty.\n"} diff --git a/chunks/json/2dc03e64fd4bedf1b6d9b701299fbf5433594c12af6d190b7f7799d66d8782b3.json b/chunks/json/2dc03e64fd4bedf1b6d9b701299fbf5433594c12af6d190b7f7799d66d8782b3.json new file mode 100644 index 0000000000000000000000000000000000000000..0f9e7f890f8273b662972251ec8c49252d4b76e1 --- /dev/null +++ b/chunks/json/2dc03e64fd4bedf1b6d9b701299fbf5433594c12af6d190b7f7799d66d8782b3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":453179,"char_start":451510,"chunk_id":"chk_bbe2df004be4ea90","chunk_index":253,"chunk_sha256":"2dc03e64fd4bedf1b6d9b701299fbf5433594c12af6d190b7f7799d66d8782b3","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"2dc03e64fd4bedf1b6d9b701299fbf5433594c12af6d190b7f7799d66d8782b3","token_estimate":417,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Documentation Requirements\n\nIn addition to the eligibility considerations described in this topic, the documentation requirements in the following table apply.\n\nIncome Type and Eligible Income Sources\n\nDocumentation Requirements\n\nAll Employment Income\n\nBase Pay (salary or hourly)\n\nTip, Bonus, and Overtime Income\n\nVerbal verification of employment (See Selling Guide B3-3.1-\n07, Verbal Verification of Employment, for additional\nrequirements.)\n\nNote: Each borrower must complete and sign a separate IRS\nForm 4506-C at or before closing.\n\nOne paystub or a completed Request for Verification of\nEmployment (Form 1005).\n\nApplies to primary employment, secondary employment\n(second job and multiple jobs), and seasonal income.\n\nCommission Income\n\nOne paystub or Form 1005 or one year personal tax return.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 185 of 166\n\nUAD 3.6 Policy\n\nMilitary Income\n\nSelf-Employment\n\nAlimony, Child Support, or Separate Maintenance\n\nEmployment-Related Assets as Qualifying Income\n\nRental Income\n\nRetirement and Pension\n\nSocial Security\n\nTemporary Leave Income\n\nAll Other Income Types\n\n• Automobile Allowance\n\n• Boarder Income\n\n• Capital Gains Income\n\n• Disability Income - Long-Term\n\n•\n\nEmployment Offers or Contracts\n\nA military Leave and Earnings Statement or a verification of\nemployment.\n\nOne year personal tax return.\n\nApplies to primary and secondary self-employment.\n\nCopy of divorce decree, separation agreement, court order or\nequivalent documentation, and one month documentation of\nreceipt.\n\nLender must obtain standard documentation for this type of\nincome as described in Selling Guide B3-3.1-09, Other Sources\nof Income.\n"} diff --git a/chunks/json/2dc1a9cf6962f17dde6c790002d5207aa5f3b614adbb4cf99c6cb6d4ba0975db.json b/chunks/json/2dc1a9cf6962f17dde6c790002d5207aa5f3b614adbb4cf99c6cb6d4ba0975db.json new file mode 100644 index 0000000000000000000000000000000000000000..63ae5cd8128b92aad871c181f362ad8911e79dd3 --- /dev/null +++ b/chunks/json/2dc1a9cf6962f17dde6c790002d5207aa5f3b614adbb4cf99c6cb6d4ba0975db.json @@ -0,0 +1 @@ +{"chunk":{"char_end":40811597,"char_start":0,"chunk_id":"chk_849aa25ed71e8b92","chunk_index":0,"chunk_sha256":"2dc1a9cf6962f17dde6c790002d5207aa5f3b614adbb4cf99c6cb6d4ba0975db","date_utc":"2026-01-27T18:00:15+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_2e8b3626352b6b0c","text_sha256":"2dc1a9cf6962f17dde6c790002d5207aa5f3b614adbb4cf99c6cb6d4ba0975db","token_estimate":1000,"warnings":["source_path=fha_uad_puf_annual_v1_0_csv/_.csv/_.csv/fha_uad_puf_2017_v1_0.csv","exceeds_max_chunk_chars_truncated"]},"text":"record_id: 1700014050000 | year: 2017 | weight: 20 | state_fips_2010: 49 | state_fips_2020: NA | county_fips_2010: 49049 | county_fips_2020: NA | tract_fips_2010: 49049010112 | 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: 425000 | sales_range_low: 345000 | updated_last_15_years: 1 | lot_size: 2 | quality: 3 | condition: 3 | bathrooms: 3 | bedrooms: 3 | gross_living_area: 6 | median_adjustment: -6083 | average_adjustment: -6480 | adjusted_price: 325000 | number_comparables: 2 | same_tract_percent: 100 | calculated_proximity: 0.3 | reported_proximity: 0.3 | value_sale_comparison: 325000 | value_cost: 335000 | value_income: NA | appraised_value: 325000 | appraisal_to_contract: NA | comparison_to_contract: NA\nrecord_id: 1700047591000 | year: 2017 | weight: 20 | state_fips_2010: 47 | state_fips_2020: NA | county_fips_2010: 47157 | county_fips_2020: NA | tract_fips_2010: 47157021351 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 1 | contract_price: 225000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 1 | sales_range_high: 275000 | sales_range_low: 225000 | updated_last_15_years: 2 | lot_size: 3 | quality: 4 | condition: 4 | bathrooms: 3 | bedrooms: 3 | gross_living_area: 7 | median_adjustment: 9400 | average_adjustment: 2900 | adjusted_price: 235000 | number_comparables: 3 | same_tract_percent: 100 | calculated_proximity: 0.54 | reported_proximity: 0.54 | value_sale_comparison: 235000 | value_cost: NA | value_income: NA | appraised_value: 235000 | appraisal_to_contract: 104.6 | comparison_to_contract: 104.6\nrecord_id: 1700032223000 | year: 2017 | weight: 20 | state_fips_2010: 06 | state_fips_2020: NA | county_fips_2010: 06065 | county_fips_2020: NA | tract_fips_2010: 06065043313 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 1 | contract_price: 205000 | built_up: 2 | growth_rate: 3 | 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: 2 | quality: 3 | condition: 4 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 3 | median_adjustment: -1250 | average_adjustment: 1000 | adjusted_price: 205000 | number_comparables: 4 | same_tract_percent: 17 | calculated_proximity: 0.68 | reported_proximity: 0.4 | value_sale_comparison: 205000 | value_cost: 205000 | value_income: NA | appraised_value: 205000 | appraisal_to_contract: 100 | comparison_to_contract: 100\nrecord_id: 1700003600000 | year: 2017 | weight: 20 | state_fips_2010: 12 | state_fips_2020: NA | county_fips_2010: 12103 | county_fips_2020: NA | tract_fips_2010: 12103026500 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 3 | property_value_trend: 1 | demand_supply: 1 | marketing_time: 1 | sales_range_high: 125000 | sales_range_low: 115000 | updated_last_15_years: 2 | lot_size: 2 | quality: 4 | condition: 4 | bathrooms: 2 | bedrooms: 1 | gross_living_area: 1 | median_adjustment: -4950 | average_adjustment: -3583 | adjusted_price: 115000 | number_comparables: 4 | same_tract_percent: 17 | calculated_proximity: 1.16 | reported_proximity: 1.17 | value_sale_comparison: 115000 | value_cost: 105000 | value_income: NA | appraised_value: 115000 | appraisal_to_contract: NA | comparison_to_contract: NA\nrecord_id: 1700002645000 | year: 2017 | weight: 20 | state_fips_2010: 48 | state_fips_2020: NA | county_fips_2010: 48491 | county_fips_2020: NA | tract_fips_2010: 48491021202 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 175000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 1 | sales_range_high: NA | sales_range_low: NA | updated_last_15_years: 2 | lot_size: 2 | quality: 5 | condition: 1 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 2 | median_adjustment: -750 | ave\n"} diff --git a/chunks/json/2dc84a67ea762d05ddb58a9c108115c8d0bb2254aa9ff21a411ebbe3f821f070.json b/chunks/json/2dc84a67ea762d05ddb58a9c108115c8d0bb2254aa9ff21a411ebbe3f821f070.json new file mode 100644 index 0000000000000000000000000000000000000000..76cc43d617fb49d9ad04d10903793224128f4e7b --- /dev/null +++ b/chunks/json/2dc84a67ea762d05ddb58a9c108115c8d0bb2254aa9ff21a411ebbe3f821f070.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5260,"char_start":3320,"chunk_id":"chk_3ddb0fbbd5db4270","chunk_index":2,"chunk_sha256":"2dc84a67ea762d05ddb58a9c108115c8d0bb2254aa9ff21a411ebbe3f821f070","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_d19adf0f56c3323a","text_sha256":"2dc84a67ea762d05ddb58a9c108115c8d0bb2254aa9ff21a411ebbe3f821f070","token_estimate":485,"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":"Centralized\n\nNaturalGas\n\nForcedWarmAir\n\nSumpPump\n\ntrue\n\nPropertyPhoto\n\n\\\\Images\\Condo2_DwellingFront.jpg\n\nimage/jpeg\n\nDwellingFront\n\n\\\\Images\\Condo2_DwellingFront.jpg\n\nimage/jpeg\n\nEast\n\nPropertyAccess\n\n\\\\Images\\Condo2_PropertyAccess1.jpg\n\nimage/jpeg\n\nWest\n\nPropertyAccess\n\n\\\\Images\\Condo2_PropertyAccess2.jpg\n\nimage/jpeg\n\nSalesComparableMap\n\n\\\\Images\\Condo2_ComparableMap.jpg\n\nimage/jpeg\n\nRentalComparableMap\n\n\\\\Images\\Condo2_ComparableMap.jpg\n\nimage/jpeg\n\nFloorPlan\n\n\\\\Images\\Condo2_Floorplan.jpg\n\nimage/jpeg\n\nGolf Course\n\nSiteInfluence\n\n\\\\Images\\Condo2_GolfCourse.jpg\n\nimage/jpeg\n\nGolf Course\n\nView\n\n\\\\Images\\Condo2_GolfCourse.jpg\n\nimage/jpeg\n\nBonus Room\n\nNoncontinuousArea\n\n\\\\Images\\Condo2_NoncontinuousArea.jpg\n\nimage/jpeg\n\nDwellingRear\n\n\\\\Images\\Condo2_DwellingRear.jpg\n\nimage/jpeg\n\nClubhouse\n\nProjectAmenity\n\n\\\\Images\\Condo2_Clubhouse.jpg\n\nimage/jpeg\n\nGated Community\n\nProjectAmenity\n\n\\\\Images\\Condo2_FrontGate.jpg\n\nimage/jpeg\n\nInground Pool\n\nProjectAmenity\n\n\\\\Images\\Condo2_IngroundPool.jpg\n\nimage/jpeg\n\nNoInspection\n\nNoInspection\n\n26\n\ntrue\n\n26\n\n895000\n\n905000\n\n2018-05-16\n\n123456\n\n2018-04-20\n\nPending\n\nOther\n\nBuilder Or Developer\n\n25.165173\n\n-51.328125\n\nPioneer Drive to the North, Bailey Road to the East, Military Road to the South, Radio Drive to the West.\n\n12\n\nSearch limited to site condominium housing with a footprint between 1,300-1,800 Sq. Ft. Additional limiting factors include 2-4 bedrooms, 2-4 bathrooms, and a basement.\n\n8\n\n1450000\n\n550000\n\n44\n\n875000\n\nActiveListings\n\n2\n\nPendingSales\n\n32\n\n1350000\n\n535000\n\n850000\n\nTotalSales\n\nUnderThreeMonths\n\nInBalance\n\nfalse\n\nThe subject is located in a suburban area where there has not been a robust sales market for new construction within a golf community. To develop a reasonable price trend there was a need to go back 12 months to review enough activity to develop a market trend. The inventory remains low to moderate, and homes are selling in less than 60 days on average.\n"} diff --git a/chunks/json/2dd94ce1f77307312f64be00122b2894a1f847026a190e11c94cbf9a113176c6.json b/chunks/json/2dd94ce1f77307312f64be00122b2894a1f847026a190e11c94cbf9a113176c6.json new file mode 100644 index 0000000000000000000000000000000000000000..3f6afeab043786b7e5a13138c3353b07bc06ae76 --- /dev/null +++ b/chunks/json/2dd94ce1f77307312f64be00122b2894a1f847026a190e11c94cbf9a113176c6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":30364,"char_start":28618,"chunk_id":"chk_f437445a9b144839","chunk_index":17,"chunk_sha256":"2dd94ce1f77307312f64be00122b2894a1f847026a190e11c94cbf9a113176c6","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_698a10a0e5f6da7f","text_sha256":"2dd94ce1f77307312f64be00122b2894a1f847026a190e11c94cbf9a113176c6","token_estimate":437,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Hybrid_70H.pdf"]},"text":"22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain laws\nand 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\n23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers,\ngovernment sponsored enterprises, and other secondary market participants may rely on this appraisal report as part of any\nmortgage finance transaction that involves any one or more of these parties.\n\n24. If this appraisal report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined\nin applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report\ncontaining a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper\nversion of this appraisal report were delivered containing my original hand written signature.\n\n25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal\npenalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section\n1001, et seq., or similar state laws.\n\nSUPERVISORY APPRAISER’S CERTIFICATION: The Supervisory Appraiser certifies and agrees that:\n\n1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser’s\nanalysis, opinions, statements, conclusions, and the appraiser’s certification.\n"} diff --git a/chunks/json/2dda7b9dc0913138ae72c832bff0a547f2c0611fd2c95fe8264b7f97a3da2bb9.json b/chunks/json/2dda7b9dc0913138ae72c832bff0a547f2c0611fd2c95fe8264b7f97a3da2bb9.json new file mode 100644 index 0000000000000000000000000000000000000000..11844a1cfee9d0004fcae2bc77bdf6367fb8e8a4 --- /dev/null +++ b/chunks/json/2dda7b9dc0913138ae72c832bff0a547f2c0611fd2c95fe8264b7f97a3da2bb9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":437828,"char_start":436215,"chunk_id":"chk_6d311c45ff73cc56","chunk_index":259,"chunk_sha256":"2dda7b9dc0913138ae72c832bff0a547f2c0611fd2c95fe8264b7f97a3da2bb9","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"2dda7b9dc0913138ae72c832bff0a547f2c0611fd2c95fe8264b7f97a3da2bb9","token_estimate":404,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"A mechanized platform used for raising and lowering people or things from one level to another.\n\nA room, area, or structure specifically designed for exercise or other physical wellness activities.\n\nGated Community\n\nA community that controls access either through an automated gate or staffed security point.\n\nGrounds Maintenance\n\nUpkeep and / or repair of all outdoor areas not associated with a structure or dwelling (e.g., lawn mowing, landscaping,\nfencing, gates, irrigation systems).\n\nHeating\n\nInground Pool\n\nInground Spa\n\nNote: Select this answer when the heating expenses for the unit are provided in common and included in the mandatory\nfees.\n\nA self-contained and manufactured area built into the ground and designed to be filled with water designated for\nswimming and other aquatic uses. Does not include pools built into a structure or above-ground pools.\n\nA structure built into the ground that typically contains hot aerated water and is used for recreational and wellness\nactivities.\nNote: Water spas that are not inground would be identified using Other (Describe).\n\nLobby\n\nA common room near the main entrance of a building.\n\nOngoing Cleaning Services\n\nCleaning services offered for the upkeep of the unit.\nNote: Choose this answer if regularly scheduled cleaning services are included in the mandatory fees.\n\nOutdoor Riding Ring\n\nAn area open to the elements, typically surrounded with fencing, that is specifically designed for horse riding.\n\nOutdoor Shower\n\nPatio\n\nAn area open to the elements designed to be used for personal cleaning through the use of flowing water and appropriate\ndrainage.\n"} diff --git a/chunks/json/2ddebb2a0814c2fe80ca54cc17ee5891b680798fcb43f5b031b5ce93bdd043b6.json b/chunks/json/2ddebb2a0814c2fe80ca54cc17ee5891b680798fcb43f5b031b5ce93bdd043b6.json new file mode 100644 index 0000000000000000000000000000000000000000..1529e6a29f87441228a5e5315ead5a402f049fca --- /dev/null +++ b/chunks/json/2ddebb2a0814c2fe80ca54cc17ee5891b680798fcb43f5b031b5ce93bdd043b6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14752,"char_start":12150,"chunk_id":"chk_6b114e427ad138b6","chunk_index":7,"chunk_sha256":"2ddebb2a0814c2fe80ca54cc17ee5891b680798fcb43f5b031b5ce93bdd043b6","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_fdad72ce23b7e187","text_sha256":"2ddebb2a0814c2fe80ca54cc17ee5891b680798fcb43f5b031b5ce93bdd043b6","token_estimate":771,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Accessibility_at_FHFA___FHFA_eumj2.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\\/766\",\"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/2dffcf76dbe9367db57e87d5d36b38c063d82af79866c3a868f2c67b8bef675d.json b/chunks/json/2dffcf76dbe9367db57e87d5d36b38c063d82af79866c3a868f2c67b8bef675d.json new file mode 100644 index 0000000000000000000000000000000000000000..30004815f8e8982700aa091b94fd0342c63f0ef4 --- /dev/null +++ b/chunks/json/2dffcf76dbe9367db57e87d5d36b38c063d82af79866c3a868f2c67b8bef675d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":697926,"char_start":696326,"chunk_id":"chk_92226ebc78b6a73b","chunk_index":413,"chunk_sha256":"2dffcf76dbe9367db57e87d5d36b38c063d82af79866c3a868f2c67b8bef675d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2dffcf76dbe9367db57e87d5d36b38c063d82af79866c3a868f2c67b8bef675d","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/_LEGAL_DESCRIPTION[@_Type='\nOther' and @_TypeOtherDescription='LongLegal']/@_TextDescription\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\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\n17\n\nSUBJECT\n\nR.E. Taxes $\n\nGSE Property Tax\nTotal Tax Amount\n\nThe total of all of the property's real estate\ntaxes for this year excluding any special\nassessments, across all tax jurisdictions\nand authorities. This is the amount\nassessed for the tax year, not the amount\npaid.\n\n/VALUATION_RESPONSE/PROPERTY/_TAX/PROPERTY_TAX_EXTENSI\nON/PROPERTY_TAX_EXTENSION_SECTION[@ExtensionSectionOrganizati\nonName='UNIFORM APPRAISAL\nDATASET']/PROPERTY_TAX_EXTENSION_SECTION_DATA/PROPERTY_\nTAX_AMOUNT/@GSEPropertyTaxTotalTaxAmount\n\n19\n\n1\n\n18\n\nSUBJECT\n\nProject Name\n\nProject Name\n\nThe name of the project in which subject\nproperty is located (e.g., the name of the\ncondominium or cooperative).\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@_Name\n\n20\n\n21\n\n22\n\n23\n\n24\n\n1\n\n1\n\n1\n\n1\n\n1\n\n19\n\nSUBJECT\n\nPhase #\n\nProject Phase\nIdentifier\n\nThe current phase number of a multi-\nphase development project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@_PhaseIdentifier\n\n20\n\n21\n\n22\n\n23\n\nSUBJECT\n\nMap Reference\n\nSUBJECT\n\nCensus Tract\n\nSUBJECT\n\nSUBJECT\n"} diff --git a/chunks/json/2e012e989c99423d2cfea3bc171bee4575da704a9904a82b24848c285c266c8a.json b/chunks/json/2e012e989c99423d2cfea3bc171bee4575da704a9904a82b24848c285c266c8a.json new file mode 100644 index 0000000000000000000000000000000000000000..83b77c220eb719ec7dd4d80a5c2c8a097e7c74b3 --- /dev/null +++ b/chunks/json/2e012e989c99423d2cfea3bc171bee4575da704a9904a82b24848c285c266c8a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":176845,"char_start":175227,"chunk_id":"chk_482306c08aaeec45","chunk_index":103,"chunk_sha256":"2e012e989c99423d2cfea3bc171bee4575da704a9904a82b24848c285c266c8a","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2e012e989c99423d2cfea3bc171bee4575da704a9904a82b24848c285c266c8a","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/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']/@GSEImproveme\nntAreaType\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']/@GSEImproveme\nntDescriptionType\n\nAllowable Values:\nC1\nC2\nC3\nC4\nC5\nC6\n\n2\n\nEnumerated\n\nNote: This data appears in more than one place for the subject (field 2-27) on\nthe appraisal 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\non the kitchen or bathrooms of the residence within the last 15 years. If no\nsuch updates have occurred, this field must take a value of 'N' and the text “No\nupdates in the prior 15 years” should print; otherwise this field must take a\nvalue of 'Y' and no corresponding text should print.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\n1\n\nBoolean\n\n9\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Improvements Section\nThis field must occur two times, and must take the following allowable values\nin the order presented:\nKitchen\nBathrooms\n\nThis field is required if field e-10 (GSE\nUpdate Last Fifteen Year Indicator) has a\nvalue of 'Y'.\n"} diff --git a/chunks/json/2e13f4b33afb6c1c9dbb94a7b720ea42efaae75cb662f7741b04763fb56b822a.json b/chunks/json/2e13f4b33afb6c1c9dbb94a7b720ea42efaae75cb662f7741b04763fb56b822a.json new file mode 100644 index 0000000000000000000000000000000000000000..d41803985e56d6785eb21812295b7265e8cf52f5 --- /dev/null +++ b/chunks/json/2e13f4b33afb6c1c9dbb94a7b720ea42efaae75cb662f7741b04763fb56b822a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":63596,"char_start":63113,"chunk_id":"chk_6a4b6cb06ac19fa6","chunk_index":101,"chunk_sha256":"2e13f4b33afb6c1c9dbb94a7b720ea42efaae75cb662f7741b04763fb56b822a","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"2e13f4b33afb6c1c9dbb94a7b720ea42efaae75cb662f7741b04763fb56b822a","token_estimate":430,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Overview ................................................................................................................................................................................................................................................ 298\n\nData Mapping and PDF Rendering Information ..................................................................................................................................................................................... 299\n"} diff --git a/chunks/json/2e241e71071460ac0ac278c2ce53c0ea03674905aff860d0186a9075a0c68348.json b/chunks/json/2e241e71071460ac0ac278c2ce53c0ea03674905aff860d0186a9075a0c68348.json new file mode 100644 index 0000000000000000000000000000000000000000..085b8cd92aba2a93acc6d7b97cd502cfcc99f358 --- /dev/null +++ b/chunks/json/2e241e71071460ac0ac278c2ce53c0ea03674905aff860d0186a9075a0c68348.json @@ -0,0 +1 @@ +{"chunk":{"char_end":45817,"char_start":44122,"chunk_id":"chk_ad03a64230b6b334","chunk_index":27,"chunk_sha256":"2e241e71071460ac0ac278c2ce53c0ea03674905aff860d0186a9075a0c68348","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2e241e71071460ac0ac278c2ce53c0ea03674905aff860d0186a9075a0c68348","token_estimate":424,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":".VALUATION_METHODS\n..SALES_COMPARISON\n...COMPARABLE_SALE\n\nUAD Consolidated Schema Matrix\nAppendix B: GSE Appraisal Forms Mapping\n\n1004/70\n\n1004\nHybrid/\n70H\n\n1004\nDesktop/\n70D\n\n2055\n\n1073/465\n\n1073\nHybrid/\n465H\n\n1073\nDesktop/\n465D\n\n1075/466\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nCR\n\nT\n\nCR\n\nT\n\nCR\n\nT\n\nCR\n\nT\n\nCR\n\nT\n\nCR\n\nT\n\nCR\n\nT\n\nR/CR*\n\nR/CR*\n\nR/CR*\n\nR/CR*\n\nR/CR*\n\nR/CR*\n\nR/CR*\n\nR/CR*\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR/CR*\n\nR/CR*\n\nR/CR*\n\nR/CR*\n\nR/CR*\n\nR/CR*\n\nR/CR*\n\nR/CR*\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nPage 24 of 211\n\nDocument Version 1.4\n\nMISMO Data Point Name\n\n1004/70\n\n1004\nHybrid/\n70H\n\n1004\nDesktop/\n70D\n\n2055\n\n1073/465\n\n1073\nHybrid/\n465H\n\n1073\nDesktop/\n465D\n\n1075/466\n\n….COMPARISON_VIEW_OVERALL_RATING_EXTENSION\n.....COMPARISON_VIEW_OVERALL_RATING_EXTENSION_SECTION\nExtension Section Organization Name\n…...COMPARISON_VIEW_OVERALL_RATING_EXTENSION_SECTION_DATA\n…….COMPARISON_VIEW_OVERALL_RATING\nGSE View Overall Rating Type\n\n.VALUATION_METHODS\n..SALES_COMPARISON\n...COMPARABLE_SALE\n….COMPARISON_VIEW_DETAIL_EXTENSION\n.....COMPARISON_VIEW_DETAIL_EXTENSION_SECTION\nExtension Section Organization Name\n…...COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_DATA\n…….COMPARISON_VIEW_DETAIL\nComparison View Detail Sequence Identifier\nGSE View Type\nGSE View Type Other Description\n"} diff --git a/chunks/json/2e32155cf8918dfa869f5a41dda0f2370bfaa266b2ca2d869e4c24720210269d.json b/chunks/json/2e32155cf8918dfa869f5a41dda0f2370bfaa266b2ca2d869e4c24720210269d.json new file mode 100644 index 0000000000000000000000000000000000000000..ab832cf7e1bc37e78ea53055e7b96be56aaa62c4 --- /dev/null +++ b/chunks/json/2e32155cf8918dfa869f5a41dda0f2370bfaa266b2ca2d869e4c24720210269d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15953,"char_start":14282,"chunk_id":"chk_641672573387b493","chunk_index":8,"chunk_sha256":"2e32155cf8918dfa869f5a41dda0f2370bfaa266b2ca2d869e4c24720210269d","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"2e32155cf8918dfa869f5a41dda0f2370bfaa266b2ca2d869e4c24720210269d","token_estimate":418,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"For Enterprise multifamily data, the\n\nPUDB comprises a Census Tract File\ncontaining loan-level data that identifies\nthe census tract location of the\nmortgaged properties; and a National\nFile that does not identify the census\ntract or other geographic location of the\nmortgaged properties but contains\nproperty-level data and unit class-level\ndata on all multifamily properties.\n\nAll new HMDA data added to the\nPUDB starting in 2018 will be added to\nthe Census Tract Files, as required by\nthe Safety and Soundness Act. It will\nnot be added to the National Files in\norder to preserve existing privacy and\nproprietary protections in these Files, as\nthe data could increase the ability to\nlink the National Files to the Census\nTract Files.\n\nC. Proprietary Protections in the PUDB\n\nThe Safety and Soundness Act\nprovides generally that Enterprise\nproprietary data must be protected from\npublic disclosure.16 However, the\nstatute exempts certain types of data\nelements from proprietary protection,\nrequiring their public disclosure subject\nonly to borrower privacy protections.\nThe exempted data elements are\nincome, census tract location, race, and\ngender of single-family mortgagors, and\nall other HMDA data.17 Some data\nelements that were previously protected\nas proprietary in the PUDB are now\n\n12 See 60 FR 61846, 61875 (Dec. 1, 1995) (HUD\nfinal rule) (citing Senate Committee on Banking,\nHousing, and Urban Affairs, S. Rep. No. 282, 102d\nCong., 2d Sess. at 39 (1992)).\n\n15 HUD Final Order—Proprietary Data Submitted\n\nby the Federal National Mortgage Association\n(Fannie Mae) and the Federal Home Loan Mortgage\nCorporation (Freddie Mac), 61 FR 54322, 54323\n(Oct. 17, 1996).\n"} diff --git a/chunks/json/2e409df0174389f562a920be1a9ec711f551fca7a859c4ee4b8a2b0248b43d48.json b/chunks/json/2e409df0174389f562a920be1a9ec711f551fca7a859c4ee4b8a2b0248b43d48.json new file mode 100644 index 0000000000000000000000000000000000000000..c696171e868e304886eb4add304e73585bcaf46a --- /dev/null +++ b/chunks/json/2e409df0174389f562a920be1a9ec711f551fca7a859c4ee4b8a2b0248b43d48.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1721,"char_start":0,"chunk_id":"chk_0d70f4d7048e809b","chunk_index":0,"chunk_sha256":"2e409df0174389f562a920be1a9ec711f551fca7a859c4ee4b8a2b0248b43d48","date_utc":"2026-01-27T17:54:30+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4bbbc53d8b62b639","text_sha256":"2e409df0174389f562a920be1a9ec711f551fca7a859c4ee4b8a2b0248b43d48","token_estimate":527,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Market_Data___FHFA_mc82cr.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/market-data\"\ndate_accessed: \"2026-01-27T17:54:20.610Z\"\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/2e42f5af5a017e99b0dc312c95aedb07b949f0daf2eb7897ca4e5c9046170806.json b/chunks/json/2e42f5af5a017e99b0dc312c95aedb07b949f0daf2eb7897ca4e5c9046170806.json new file mode 100644 index 0000000000000000000000000000000000000000..e62d2de05154917f5b269d6fef803b81fedd2ee3 --- /dev/null +++ b/chunks/json/2e42f5af5a017e99b0dc312c95aedb07b949f0daf2eb7897ca4e5c9046170806.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8759,"char_start":7081,"chunk_id":"chk_fa5ba9453198380a","chunk_index":4,"chunk_sha256":"2e42f5af5a017e99b0dc312c95aedb07b949f0daf2eb7897ca4e5c9046170806","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e169cd9642b15146","text_sha256":"2e42f5af5a017e99b0dc312c95aedb07b949f0daf2eb7897ca4e5c9046170806","token_estimate":421,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Information_Quality___FHFA_9k6xws.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 AT-A-GLANCE](/about)\n - Information Quality\n\n# Information Quality\n\nThe Office of Management and Budget (OMB) issu​ed government-wide information quality guidelines under section 515 of the Treasury and General Government Appropriations Act for Fiscal Year 2001. The OMB Section 515 Information Quality Guidelines have been prepared to ensure and maximize the quality, objectivity, utility and integrity of information disseminated by Federal agencies.\n"} diff --git a/chunks/json/2e49e7f8cb07bf612420abade820f4d0a4f93e8994f78f845ded20e0a71b69e4.json b/chunks/json/2e49e7f8cb07bf612420abade820f4d0a4f93e8994f78f845ded20e0a71b69e4.json new file mode 100644 index 0000000000000000000000000000000000000000..4261ee6c15edef624b24cbaba3a21896329d3401 --- /dev/null +++ b/chunks/json/2e49e7f8cb07bf612420abade820f4d0a4f93e8994f78f845ded20e0a71b69e4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":976853,"char_start":975253,"chunk_id":"chk_4a747d99736fa712","chunk_index":582,"chunk_sha256":"2e49e7f8cb07bf612420abade820f4d0a4f93e8994f78f845ded20e0a71b69e4","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2e49e7f8cb07bf612420abade820f4d0a4f93e8994f78f845ded20e0a71b69e4","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifierName\n\nAppraiser\nAdditional File\nIdentifier\n\nUsed to indicate by name the type of\nidentifier represented by\nAppraisersAdditionalFileIdentifier.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier\n\nReport Title\nDescription\n\nAppraiser File\nIdentifier\n\nAppraiser\nAdditional File\nIdentifier Name\n\nAppraiser\nAdditional File\nIdentifier\n\nAppraiser Name\n\nAppraiser Company\nName\n\nUsed to specify the title of a report.\n\n/VALUATION_RESPONSE/REPORT/@_TitleDescription\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.\nThe name of the party that performed the\nappraisal of the property.\nThe name of the appraisal company that\nperformed the appraisal of the property.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifierName\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/@_Name\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/@_CompanyName\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nCompany Address\n\nAppraiser Street\nAddress\n\nThe street address of the appraiser.\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/@_StreetAddress\n\n10\n\n50\n\n50\n\n50\n\n50\n\n50\n"} diff --git a/chunks/json/2e5b35117981c0ff3ae8b5b87963051e04bda24b1121a7e972ddc32e81a4c94c.json b/chunks/json/2e5b35117981c0ff3ae8b5b87963051e04bda24b1121a7e972ddc32e81a4c94c.json new file mode 100644 index 0000000000000000000000000000000000000000..02ca60566f293163df144dad131033f77f40832a --- /dev/null +++ b/chunks/json/2e5b35117981c0ff3ae8b5b87963051e04bda24b1121a7e972ddc32e81a4c94c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":105950,"char_start":104331,"chunk_id":"chk_05511305429ccb4c","chunk_index":55,"chunk_sha256":"2e5b35117981c0ff3ae8b5b87963051e04bda24b1121a7e972ddc32e81a4c94c","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"2e5b35117981c0ff3ae8b5b87963051e04bda24b1121a7e972ddc32e81a4c94c","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"10.211\n\nClosingAdjustmentItemPaidOutsideOfClosingIndicator\n\nfalse\n\nUCD v2.0 Implementation Guide\n\n- 41 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nTable 23. UCD v2.0 Excerpt – Closing Adjustment Data Requirements.\n\nUCD UID\n\nMISMO v3.3 Data Point\n\nDelivered Value\n\nImplementation Notes\n\n10.042\n\nClosingAdjustmentItemType\n\nRelocationFunds\n\n10.162\n\nIntegratedDisclosureSectionType\n\nPaidAlreadyByOrOnBehalfOfBorr\nowerAtClosing\n\n10.163\n\nIntegratedDisclosureSubsectionType\n\nOtherCredits\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSING\n_INFORMATION/CLOSING_ADJUSTMENT_ITEMS/CLOSING_ADJUSTMENT_ITEM/CLOSING_ADJUSTMENT_ITEM_PAID_BY/LEGAL_ENTIT\nY/LEGAL_ENTITY_DETAIL\n\n10.043\n\nFullName\n\nAcme\n\nProvide the name of the\nentity that paid the closing\nadjustment if not obvious.\n\nFigure 30. XML Snippet - Example of Closing Adjustment Items.\n\n\n…\n \n\n\n \n\n\n\n100.00\n false\n TenantSecurityDeposit\n DueFromBorrowerAtClosing\n Adjustments\n\n\n \n\n\n\n\n\nR. Jones\n"} diff --git a/chunks/json/2e5b9c7dc9f35beb573ee9238ef2beb3e5f0078b76ded338d7ee222ffa4b2e4f.json b/chunks/json/2e5b9c7dc9f35beb573ee9238ef2beb3e5f0078b76ded338d7ee222ffa4b2e4f.json new file mode 100644 index 0000000000000000000000000000000000000000..a78f14338af5a118f40439d2c620c4c6f88f336f --- /dev/null +++ b/chunks/json/2e5b9c7dc9f35beb573ee9238ef2beb3e5f0078b76ded338d7ee222ffa4b2e4f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":374471,"char_start":372869,"chunk_id":"chk_b6597237442e078d","chunk_index":208,"chunk_sha256":"2e5b9c7dc9f35beb573ee9238ef2beb3e5f0078b76ded338d7ee222ffa4b2e4f","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"2e5b9c7dc9f35beb573ee9238ef2beb3e5f0078b76ded338d7ee222ffa4b2e4f","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":"• General Loan Eligibility Criteria\n\n•\n\nIneligible Manufactured Housing Criteria\n\n• Manufactured Housing Standards\n\nGeneral Loan Eligibility Criteria\n\nFannie Mae purchases loans secured by manufactured homes that meet the following general criteria:\n\n•\n\nfirst-lien mortgages only,\n\n•\n\nfully amortizing fixed-rate loans,\n\n•\n\nfully amortizing ARM loans with initial fixed-rate periods of 7 years or 10 years,\n\n• principal residence one-unit (single- and multi-section),\n\n• principal residence two- to four-unit (single- and multi-section), and\n\n•\n\nsecond home one-unit (multi-section only).\n\nNote: To comply with HUD’s Manufactured Home Construction and Safety Standards, two- to four-unit manufactured homes\nare required to be constructed on or after September 16, 2024.\n\nRefer to the Eligibility Matrix for additional restrictions and maximum allowable LTV, CLTV, and HCLTV ratios.\n\nA manufactured home may be located on an individual lot or in a condo or PUD project development, see Project Review\nMethods in B4-2.1-01, General Information on Project Standards for additional information. A manufactured home located on\nleased land and subject to a ground lease is only eligible if the manufactured home is owned (not leased) by the borrower and\nin a condo or PUD project approved by Fannie Mae's Project Eligibility Review Service (PERS), see B4-2.2-06, Project Eligibility\nReview Service (PERS).\n\nSee B5-5.3-03, Shared Equity Transactions: Eligibility, Underwriting and Collateral Requirements when a manufactured home\nis subject to a community land trust.\n\nIneligible Manufactured Housing Criteria\n"} diff --git a/chunks/json/2e62f770139332730c130938b2d80694d138e984366574ed15381cc2ac1a6d4d.json b/chunks/json/2e62f770139332730c130938b2d80694d138e984366574ed15381cc2ac1a6d4d.json new file mode 100644 index 0000000000000000000000000000000000000000..2fd3a35123295afb7030548334f4279c86564198 --- /dev/null +++ b/chunks/json/2e62f770139332730c130938b2d80694d138e984366574ed15381cc2ac1a6d4d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":962538,"char_start":960877,"chunk_id":"chk_f9ff5f79ba62c0ae","chunk_index":573,"chunk_sha256":"2e62f770139332730c130938b2d80694d138e984366574ed15381cc2ac1a6d4d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2e62f770139332730c130938b2d80694d138e984366574ed15381cc2ac1a6d4d","token_estimate":416,"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' and\n@SalesPriceTotalAdjustmentPositiveIndicator='N']\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@SalePriceTota\nlAdjustmentAmount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@SalePriceTota\nlAdjustmentNetPercent\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@SalesPriceTot\nalAdjustmentGrossPercent\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@AdjustedSales\nPriceAmount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/@_Comment\n\nIndicated Value by Sales Comparison\nApproach $\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\n120\n\nINCOME\n\nEstimated Monthly Market Rent $\n\nEstimated Market\nMonthly Rent\nAmount\n\nThe estimated dollar value of the market\nmonthly rent for a living unit or residence.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/INCOME_ANALYSIS/\n@EstimatedMarketMonthlyRentAmount\n\n10\n\n20\n\n10\n\n20\n\n10\n\n1\n\n1\n\n9\n\n6\n\n6\n\n12\n\n4000\n\n12\n\n12\n\nFormat\n\nMoney\n\nString\n\nMoney\n\nString\n\nMoney\n\nBoolean\n\nBoolean\n\nMoney\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 Sales Comparison Approach Section\n"} diff --git a/chunks/json/2e6707079a9a422f184d46078ff02482b05191b85f551e0f700b16c6cd3d2ad2.json b/chunks/json/2e6707079a9a422f184d46078ff02482b05191b85f551e0f700b16c6cd3d2ad2.json new file mode 100644 index 0000000000000000000000000000000000000000..93cfe94350767891414400317b972d8ee46189ad --- /dev/null +++ b/chunks/json/2e6707079a9a422f184d46078ff02482b05191b85f551e0f700b16c6cd3d2ad2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":100947,"char_start":99339,"chunk_id":"chk_739ebc65a0fffcee","chunk_index":52,"chunk_sha256":"2e6707079a9a422f184d46078ff02482b05191b85f551e0f700b16c6cd3d2ad2","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"2e6707079a9a422f184d46078ff02482b05191b85f551e0f700b16c6cd3d2ad2","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Summaries of Transactions\n\n(11.0 – 13.0)\n\nPayoffs and Payments\n\n25.0\n\n12.7 Rent from R. Jones\n\n12.7.1 $1,100.00\n\nTo address\n\nthe variety of scenarios when CLOSING_ADJUSTMENT_ITEM\n\nis used, UCD v2.0 presents\nCLOSING_ADJUSTMENT_ITEM data requirements consecutive “repeats” of CLOSING_ADJUSTMENT_ITEM. Table 23 shows\nthe data points needed for a purchase transaction.\n\nTable 23. UCD v2.0 Excerpt – Closing Adjustment Data Requirements.\n\nUCD UID\n\nMISMO v3.3 Data Point\n\nDelivered Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSING\n_INFORMATION/CLOSING_ADJUSTMENT_ITEMS/CLOSING_ADJUSTMENT_ITEM/CLOSING_ADJUSTMENT_ITEM_DETAIL\n\n10.014\n\nClosingAdjustmentItemAmount\n\n100.00\n\nMust be > “0”\n\n10.263\n\nClosingAdjustmentItemPaidOutsideOfClosingIndicator\n\nfalse\n\n10.140\n\nClosingAdjustmentItemType\n\nTenantSecurityDeposit\n\n10.135\n\nIntegratedDisclosureSectionType\n\nDueFromBorrowerAtClosing\n\n10.143\n\nIntegratedDisclosureSubsectionType\n\nAdjustments\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSING\n_INFORMATION/CLOSING_ADJUSTMENT_ITEMS/CLOSING_ADJUSTMENT_ITEM/CLOSING_ADJUSTMENT_ITEM_PAID_BY/LEGAL_ENTIT\nY/LEGAL_ENTITY_DETAIL\n\n10.386\n\nFullName\n\nR. Jones\n\nProvide the name of the\nentity that paid the closing\nadjustment if not obvious.\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSING\n_INFORMATION/CLOSING_ADJUSTMENT_ITEMS/CLOSING_ADJUSTMENT_ITEM/CLOSING_ADJUSTMENT_ITEM_DETAIL\n\n10.014\n\nClosingAdjustmentItemAmount\n\n500.00\n\nMust be > “0”\n"} diff --git a/chunks/json/2e8cb7ccccb426d4516464ddcd4347ec06ebf28a697142950c15e3a9d9e0c51a.json b/chunks/json/2e8cb7ccccb426d4516464ddcd4347ec06ebf28a697142950c15e3a9d9e0c51a.json new file mode 100644 index 0000000000000000000000000000000000000000..613a1d5d42ddaac96aa62cfdbfd98ee3386661b5 --- /dev/null +++ b/chunks/json/2e8cb7ccccb426d4516464ddcd4347ec06ebf28a697142950c15e3a9d9e0c51a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13325,"char_start":11533,"chunk_id":"chk_af5ebaa0ec6852e2","chunk_index":15,"chunk_sha256":"2e8cb7ccccb426d4516464ddcd4347ec06ebf28a697142950c15e3a9d9e0c51a","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"2e8cb7ccccb426d4516464ddcd4347ec06ebf28a697142950c15e3a9d9e0c51a","token_estimate":448,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"Overview\n\nThe primary purpose of the Implementation Guide (iGuide) is to provide designers of the new Restricted Appraisal Update Report with an\nunderstanding of the MISMO version 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\ndeveloper’s guide.\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 Restricted Appraisal Update Report.\n\n• Report Label: Name of the field as shown on the Restricted Appraisal Update Report.\n\n• Unique ID (UID): This column lists the unique number assigned to each instance of a MISMO data point.\n\n• MISMO Data Point Name: This column lists the MISMO data point for the associated data element.\n\n• Display Rules: Documents display rules associated with a given data element.\n\nPage 6\n\nThe following typefaces and colors are used throughout this document:\n\n• URAR Section and Subsection Names are represented in bold, (e.g., Subject Property, Original Appraisal, Appraisal Update Commentary)\n\n• Report field labels are represented in italics (e.g., Physical Address, Effective Date, Borrower Name)\n\n• On Update Report excerpts, and when form fields are referenced, a red superimposed number identifies a Report Field ID, (e.g., FID: 01.004)\n\nReport PDF\n\nThe Restricted Appraisal Update Report is a dynamic, data-driven, flexible report with sections (black tabs) that vary based on information contained in\nthe report. See Appendix E – Report Style Guide, which includes specifications for the overall design elements that apply to all pages of the Restricted\nAppraisal Update Report.\n"} diff --git a/chunks/json/2ea4f7f9ccd0d976ded62ad8be64f24b4339f9df9f6aa651460d6c59dd39e157.json b/chunks/json/2ea4f7f9ccd0d976ded62ad8be64f24b4339f9df9f6aa651460d6c59dd39e157.json new file mode 100644 index 0000000000000000000000000000000000000000..699ba55090bb51a3a645847fd43360c6c454183e --- /dev/null +++ b/chunks/json/2ea4f7f9ccd0d976ded62ad8be64f24b4339f9df9f6aa651460d6c59dd39e157.json @@ -0,0 +1 @@ +{"chunk":{"char_end":191494,"char_start":189880,"chunk_id":"chk_6c437a3efcba3485","chunk_index":111,"chunk_sha256":"2ea4f7f9ccd0d976ded62ad8be64f24b4339f9df9f6aa651460d6c59dd39e157","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"2ea4f7f9ccd0d976ded62ad8be64f24b4339f9df9f6aa651460d6c59dd39e157","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Monthly 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 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)\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\nCommon Amenity or Service - Clubhouse\n\nCommon Amenity or Service - Gated Community\n\nThis is where the Clubhouse photo would display.\n\nThis is where the Gated Community photo would display.\n\nCommon Amenity or Service - Inground Pool\n"} diff --git a/chunks/json/2ea796bf89d08502906b63a3975111ae1f5fd7dc3aedb07bd1b68054124bb4be.json b/chunks/json/2ea796bf89d08502906b63a3975111ae1f5fd7dc3aedb07bd1b68054124bb4be.json new file mode 100644 index 0000000000000000000000000000000000000000..facabc616f3326be5247b0df6c6ed5b8d4558266 --- /dev/null +++ b/chunks/json/2ea796bf89d08502906b63a3975111ae1f5fd7dc3aedb07bd1b68054124bb4be.json @@ -0,0 +1 @@ +{"chunk":{"char_end":948519,"char_start":946833,"chunk_id":"chk_4dc19304b18b7495","chunk_index":564,"chunk_sha256":"2ea796bf89d08502906b63a3975111ae1f5fd7dc3aedb07bd1b68054124bb4be","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2ea796bf89d08502906b63a3975111ae1f5fd7dc3aedb07bd1b68054124bb4be","token_estimate":422,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Sort 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\n439\n\n440\n\n441\n\n442\n\n443\n\n444\n\n445\n\n446\n\n447\n\n448\n\n449\n\n450\n\n451\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\ne-24\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\n(Line 2)\n\nGSE Below Grade\nOther Room Count\n\nThe number of finished rooms other than\nrecreation rooms, bedrooms, and\nbathrooms in the below grade space.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEBelowGradeOtherRoomCount\n\n97\n\n98\n\n99\n\n100\n\n101\n\n102\n\n103\n\n104\n\n105\n\n106\n\n107\n\n108\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade Adjustment\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='BasementFinish']/@_Amount\n\nFunctional Utility\n\nSale Price\nAdjustment\nDescription\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n"} diff --git a/chunks/json/2ec4963ab4b0788bb0022aed7b1c88a0576d6ecba60c66cdb5f4336fb920fff2.json b/chunks/json/2ec4963ab4b0788bb0022aed7b1c88a0576d6ecba60c66cdb5f4336fb920fff2.json new file mode 100644 index 0000000000000000000000000000000000000000..86aa7cd3465d4398ab660a3ad33c568825bc4a23 --- /dev/null +++ b/chunks/json/2ec4963ab4b0788bb0022aed7b1c88a0576d6ecba60c66cdb5f4336fb920fff2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":46358,"char_start":44717,"chunk_id":"chk_ab169248b8856782","chunk_index":42,"chunk_sha256":"2ec4963ab4b0788bb0022aed7b1c88a0576d6ecba60c66cdb5f4336fb920fff2","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"2ec4963ab4b0788bb0022aed7b1c88a0576d6ecba60c66cdb5f4336fb920fff2","token_estimate":410,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Page 37\n\nPage 38\n\nAssignment Information: Contact Information – [Role]/[Role] - Client\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\n08.008\n\nCompany Name\n\n2400.0357\n\nFullName\n\n2400.0358\n\n2400.0359\n\n2400.0361\n\n2400.0360\n\nAddressLineText\n\nCityName\n\nStateCode\n\nPostalCode\n\n08.009\n\nCompany Address\n\nCredentials\n\n8.010\n\nID\n\n2400.0363\n\nLicenseIdentifier\n\n8.011\n\nState\n\n2400.0364\n\nLicenseIssuingAuthorityStateCode\n\n8.012\n\nExpires\n\n2400.0362\n\nLicenseExpirationDate\n\nDisplay Rules\n\nWhen PartyRoleType (UID: 2400.0367, FID: 08.006) = “Client”\nand PartyRoleType (UID: 2400.0365, FID: 08.007) is present …\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nDisplay when provided for PartyRoleType (UID: 2400.0365,\nFID: 08.007) = “ManagementCompany”.\n- When not provided, do not display report label.\nDisplay when provided for PartyRoleType (UID: 2400.0365,\nFID: 08.007) = “ManagementCompany”.\n- When not provided, do not display report label.\nDisplay when provided for PartyRoleType (UID: 2400.0365,\nFID: 08.007) = “ManagementCompany”.\n- When not provided, do not display report label.\n\nWhen a given PARTY plays multiple roles (e.g., Lender is also the Client) both roles must be identified in the same instance of the PARTY container with\nmultiple occurrences of the ROLE container. The specific role played by the party is captured in ROLE/ROLE_DETAIL/PartyRoleType. (Figure 08 - 3)\n\n• When Lender is also the Client, the instance of the PARTY container representing Lender must have two instances of the ROLE container.\n\no The first instance identifies ROLE/ROLE_DETAIL/PartyRoleType = “Lender”\n"} diff --git a/chunks/json/2ed6830686cc1c4ba18549ea4837ad9a270514695fd7b4ec1021023873ce39f8.json b/chunks/json/2ed6830686cc1c4ba18549ea4837ad9a270514695fd7b4ec1021023873ce39f8.json new file mode 100644 index 0000000000000000000000000000000000000000..e42fb83bc0944614bbcb59b096ef706818cc2de5 --- /dev/null +++ b/chunks/json/2ed6830686cc1c4ba18549ea4837ad9a270514695fd7b4ec1021023873ce39f8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1713,"char_start":0,"chunk_id":"chk_303d3a811abd9e07","chunk_index":0,"chunk_sha256":"2ed6830686cc1c4ba18549ea4837ad9a270514695fd7b4ec1021023873ce39f8","date_utc":"2026-01-27T17:54:24+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_60420e98daecb73c","text_sha256":"2ed6830686cc1c4ba18549ea4837ad9a270514695fd7b4ec1021023873ce39f8","token_estimate":523,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Programs___FHFA_5usi4k.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/programs\"\ndate_accessed: \"2026-01-27T17:54:20.347Z\"\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/2ef0c32dad897eaadb600a6ff3364442fe2d1b2eea56ff8cdf150144375fc165.json b/chunks/json/2ef0c32dad897eaadb600a6ff3364442fe2d1b2eea56ff8cdf150144375fc165.json new file mode 100644 index 0000000000000000000000000000000000000000..0ff2e07c912b893fda4bda0fba9803cfb22277a6 --- /dev/null +++ b/chunks/json/2ef0c32dad897eaadb600a6ff3364442fe2d1b2eea56ff8cdf150144375fc165.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1623,"char_start":0,"chunk_id":"chk_de83b6bd7f31888e","chunk_index":0,"chunk_sha256":"2ef0c32dad897eaadb600a6ff3364442fe2d1b2eea56ff8cdf150144375fc165","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_9eeeb5eef443fde1","text_sha256":"2ef0c32dad897eaadb600a6ff3364442fe2d1b2eea56ff8cdf150144375fc165","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/wire-instruction-reference-identifier-guide-tsps.pdf"]},"text":"Wire Instruction Reference Identifier\n\nTechnology Service Providers (TSPs)\n\nAs part of the Uniform Loan Delivery Dataset (ULDD) Phase 5 Fannie Mae implementation, the WireInstructionReferenceIdentifier\n(Wire Nickname) field has been added to the ULDD XML import file. WireInstructionReferenceIdentifier (SID 398.3) is for standard\nMBS Pools only and increases process efficiency for lenders who wish to include the information at import.\n\nWireInstructionReferenceIdentifier is not mandatory for import files; lenders will still be able to update the Wire Nickname in the\nLoan Delivery application as they do today.\n\nTesting & Availability\n\nThe ability to import new data point SID 398.3 WireInstructionReferenceIdentifier (Wire Nickname) is available in the Loan\nDelivery Test Environment (LDTE).\n\nHow to add a Mock Pool\n\nYou will need to set up a Mock Pool Number to test the Wire Instruction Reference Identifier (Wire Nickname). To set up a mock\npool follow these steps:\n\n•\n•\n•\n\nSelect Pools from the Loan Delivery home page.\nLoan Delivery displays the Pool Management screen. Select Add Pool.\nThe Pool Details screen is displayed. Enter Pool Detail Information. The Pool Number should be a number you can easily\nidentify as mock/test. Once all relevant information is populated, click Save.\n\nHelpful tips:\n\nThese are the only required fields to setup a mock pool in LDTE:\n\n• Pool Number: this can be any alphanumeric combination of your choice with numeric format nnnnnn or alphanumeric\n\nformat xxnnnn.\n\n• Seller Number: select a value from the dropdown.\n• Delivery Date: select any business day within the issue month.\n"} diff --git a/chunks/json/2ef5e9dab0fbf605bee3e7e217f6caa1bb75c8b87509387ba5c98b9ae90c68ef.json b/chunks/json/2ef5e9dab0fbf605bee3e7e217f6caa1bb75c8b87509387ba5c98b9ae90c68ef.json new file mode 100644 index 0000000000000000000000000000000000000000..2c742e9e531ae897404ee9b4a907d93227fecea9 --- /dev/null +++ b/chunks/json/2ef5e9dab0fbf605bee3e7e217f6caa1bb75c8b87509387ba5c98b9ae90c68ef.json @@ -0,0 +1 @@ +{"chunk":{"char_end":26477,"char_start":24856,"chunk_id":"chk_1dbdefa538a97e7d","chunk_index":15,"chunk_sha256":"2ef5e9dab0fbf605bee3e7e217f6caa1bb75c8b87509387ba5c98b9ae90c68ef","date_utc":"2026-01-27T18:32:50+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e76a6c2fd086fb77","text_sha256":"2ef5e9dab0fbf605bee3e7e217f6caa1bb75c8b87509387ba5c98b9ae90c68ef","token_estimate":405,"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":"4\n\n2 | 1\n\n$10,000\n\n$10,000\n\n2 | 2\n\n3,260 Sq. Ft.\n\n$(10,300)\n\n2,804 Sq. Ft.\n\n0 Sq. Ft.\n\n$26,000\n\n1,200 Sq. Ft.\n\n230 Sq. Ft.\n\n1,624 Sq. Ft.\n\n$(13,940)\n\n66 Sq. Ft.\n\n4\n\n$10,000\n\n4\n\n$10,000\n\n$5,000\n\n$7,900\n\n$2,000\n\n$1,640\n\n3 | 1\n\n2,816 Sq. Ft.\n\n$7,400\n\n1,328 Sq. Ft.\n\n148 Sq. Ft.\n\n$0\n\n$0\n\nBelow Grade Exterior Access\n\nWalk Out\n\nWalk Up\n\n$2,000\n\nWalk Up\n\n$2,000\n\nWalk Out\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nQuality\n\nExterior Walls and Trim\n\nRoof\n\nCondition\n\nInterior Quality and Condition\n\nQuality\n\nCondition\n\nKitchen\n\nOverall Flooring\n\nQ4\n\nVinyl\n\nQ4\n\nVinyl\n\nQ4\n\nVinyl\n\nQ4\n\nVinyl\n\nComposition\n\nComposition\n\nComposition\n\nComposition\n\nC4\n\nQ4\n\nC4\n\nC4\n\nQ4\n\nC4\n\nC4\n\nQ4\n\nC4\n\nC4\n\nQ4\n\nC4\n\nNot Updated\n\nNot Updated\n\nPartially Updated\n\nNot Updated\n\nNot Updated\n\nNot Updated\n\nNot Updated\n\nNot Updated\n\nAppraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 15 of 21\nPage 15 of 21\n\nSales Comparison Approach (continued)\n\nProperty Address\n\n123 Falling Tree Ct\nTreeville, VA 12345\n\n241 Rapid Creek Ln\nTreeville, VA 12345\n\n188 Fallen Oak Ct\nTreeville, VA 12345\n\n210 Cannon Ball Rd\nTreeville, VA 12345\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQuality\n\nCondition\n\nProperty Amenities\n\nOutdoor Living\n\nWater Features\n\nMiscellaneous\n\nVehicle Storage\n\nType | Spaces | Detail\n\nSummary\n\nList Price\n\nContract Price\n\nSale Price\n\nNet Adjustment Total\n\nPrice Per Finished Area\nAbove Grade\n"} diff --git a/chunks/json/2f00cc2aeda99a81621f7c4a1695de097e9e602e6e79d05f546963823c00ff43.json b/chunks/json/2f00cc2aeda99a81621f7c4a1695de097e9e602e6e79d05f546963823c00ff43.json new file mode 100644 index 0000000000000000000000000000000000000000..28c25166fd9716684ce9d3d659315890322ed96e --- /dev/null +++ b/chunks/json/2f00cc2aeda99a81621f7c4a1695de097e9e602e6e79d05f546963823c00ff43.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20812,"char_start":19092,"chunk_id":"chk_3eff625aa84c647d","chunk_index":4,"chunk_sha256":"2f00cc2aeda99a81621f7c4a1695de097e9e602e6e79d05f546963823c00ff43","date_utc":"2026-01-27T18:02:18+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_35d508805bb0fc2c","text_sha256":"2f00cc2aeda99a81621f7c4a1695de097e9e602e6e79d05f546963823c00ff43","token_estimate":427,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/DU_Validation_Service_Verification_Report_Vendors__67newj.md"]},"text":"[]()\n\n- [Home](/)\n - DU Validation Service Verification Report Vendors & Approved Vendor Tools\n\nApplications & Technology\n\n# DU Validation Service Verification Report Vendors & Approved Vendor Tools\n\nSimplify the Cycle\n\n##### Additional Resources\n\n- [DU Validation Service](/applications-technology/du-validation-service)\n - [Interested in Becoming a Vendor?](/technology-integration/new-technology-service-providers)\n\n[]()\n\nTake advantage of the Desktop Underwriter® (DU®) validation service, which uses third-party data vendors to independently validate borrower income, employment, and asset data, providing our lenders with [Day 1 Certainty®](/applications-technology/day-1-certainty) on validated loan components. By digitally validating secure third-party data through DU, you can help eliminate the paper chase and help get your borrowers approved quickly. In addition, other approved vendor tools may provide relief from representations and warranties.\n\nLenders may participate in the DU validation service through relationships with vendors of their choice if those vendors provide validation reports accepted by Fannie Mae. To mitigate the risk that Fannie Mae assumes by offering representation and warranty relief on validated loan components, we have a structured process and guidelines for determining eligible verification reports. However, vendors and other approved vendor tools are subject to lenders’ requirements and approval processes.\n\n*Updated April 2024*\n\n.basic-block img:not(.icon-quote){width: auto; max-width: none; min-height: 100px;} ![DVS TSP List image](/sites/g/files/koqyhd181/files/styles/thumbnail/public/2021-01/du_authorized_report_provider.png?h=1e66e246&itok=5O2UHKPq)\n"} diff --git a/chunks/json/2f0cb3c755ea14ef59212a66dd26809f8b647e73e5d4cd2fba17993dffb14d7e.json b/chunks/json/2f0cb3c755ea14ef59212a66dd26809f8b647e73e5d4cd2fba17993dffb14d7e.json new file mode 100644 index 0000000000000000000000000000000000000000..12e9f4b64c69d4a4ecfceda3aab8c533e227b2c2 --- /dev/null +++ b/chunks/json/2f0cb3c755ea14ef59212a66dd26809f8b647e73e5d4cd2fba17993dffb14d7e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":23203,"char_start":21596,"chunk_id":"chk_5bcdae6e9044ff48","chunk_index":12,"chunk_sha256":"2f0cb3c755ea14ef59212a66dd26809f8b647e73e5d4cd2fba17993dffb14d7e","date_utc":"2026-01-27T17:47:59+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b2ae32f02cf8673","text_sha256":"2f0cb3c755ea14ef59212a66dd26809f8b647e73e5d4cd2fba17993dffb14d7e","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/National_Mortgage_Database_Program___FHFA_dj6a7.md"]},"text":"This survey is jointly sponsored by the Federal Housing Finance Agency and the Consumer Financial Protection Bureau (CFPB), two Federal agencies that are working together to improve the safety and transparency of the lending process for all consumers.\n\nThe 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.ASMBsurvey.com](https://www.asmbsurvey.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 855-339-7877. We look forward to hearing from you.\n\n### Current Survey Cover Letter\n\n[Image\n\n![Thumbnail image of Survey Letter](/sites/default/files/styles/portrait_thumbnail_150_x_200_/public/2024-05/ASMB_2023_Letter.png?itok=6YO4_O4V)](/sites/default/files/2024-09/ASMB_2024_Letter.pdf)[Survey Cover Letter](/sites/default/files/2024-09/ASMB_2024_Letter.pdf)\n\n### Related Documents\n\n[30-Day Notice of Submission of American Survey of Mortgage Borrowers (ASMB) Information Collection](/regulation/federal-register/pra-information-collection-notice/2024-n-7) (6/25/2024)\n"} diff --git a/chunks/json/2f12aed871aceafe260db0338163816847cb140dff7a9aaced5518ea6c0837e0.json b/chunks/json/2f12aed871aceafe260db0338163816847cb140dff7a9aaced5518ea6c0837e0.json new file mode 100644 index 0000000000000000000000000000000000000000..bcc5e68a30c12c428076491c83bb996fe40f7a9f --- /dev/null +++ b/chunks/json/2f12aed871aceafe260db0338163816847cb140dff7a9aaced5518ea6c0837e0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1716,"char_start":0,"chunk_id":"chk_32979f331e7ae46c","chunk_index":0,"chunk_sha256":"2f12aed871aceafe260db0338163816847cb140dff7a9aaced5518ea6c0837e0","date_utc":"2026-01-27T17:54:22+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_c947f0c6686677d2","text_sha256":"2f12aed871aceafe260db0338163816847cb140dff7a9aaced5518ea6c0837e0","token_estimate":525,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Speeches___FHFA_s0du5c.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/news/speech\"\ndate_accessed: \"2026-01-27T17:54:20.254Z\"\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/2f15ccee5d5fe0fcc3d3c625fffc63b80c7944f423da03978c5d47ae924825bc.json b/chunks/json/2f15ccee5d5fe0fcc3d3c625fffc63b80c7944f423da03978c5d47ae924825bc.json new file mode 100644 index 0000000000000000000000000000000000000000..b6b5d1f55324e135bf2851ad652d790a9c3a0d60 --- /dev/null +++ b/chunks/json/2f15ccee5d5fe0fcc3d3c625fffc63b80c7944f423da03978c5d47ae924825bc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":107885,"char_start":105952,"chunk_id":"chk_92a06e388d08eb38","chunk_index":56,"chunk_sha256":"2f15ccee5d5fe0fcc3d3c625fffc63b80c7944f423da03978c5d47ae924825bc","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"2f15ccee5d5fe0fcc3d3c625fffc63b80c7944f423da03978c5d47ae924825bc","token_estimate":480,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"\n\n\n\n\n \n\n\n \n\n\n\n500.00\n false\n Other\n PrincipalReduction\n DueFromBorrowerAtClosing\n Adjustments\n\n\n\n\n \n\n2500.00\n\nUCD v2.0 Implementation Guide\n\n- 42 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 30. XML Snippet - Example of Closing Adjustment Items.\n\nfalse\n SellerCredit\n PaidAlreadyByOrOnBehalfOfBorrowerAtClosing\n\n\n\n\n \n\n\n\n10000.00\n false\n ProceedsOfSubordinateLiens\n PaidAlreadyByOrOnBehalfOfBorrowerAtClosing\n OtherCredits\n"} diff --git a/chunks/json/2f1bc77e1899a81cb1ec4161342cb4b026706a337436e6b71c9d9deeb8ca879d.json b/chunks/json/2f1bc77e1899a81cb1ec4161342cb4b026706a337436e6b71c9d9deeb8ca879d.json new file mode 100644 index 0000000000000000000000000000000000000000..4c024be655cbbc83108dd55d49ee148e4d9f67bf --- /dev/null +++ b/chunks/json/2f1bc77e1899a81cb1ec4161342cb4b026706a337436e6b71c9d9deeb8ca879d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17319,"char_start":15692,"chunk_id":"chk_beab5d624cc77271","chunk_index":9,"chunk_sha256":"2f1bc77e1899a81cb1ec4161342cb4b026706a337436e6b71c9d9deeb8ca879d","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_103fc496217d2c5f","text_sha256":"2f1bc77e1899a81cb1ec4161342cb4b026706a337436e6b71c9d9deeb8ca879d","token_estimate":407,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Desktop_465D.pdf"]},"text":"STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser’s certification in this report is\nsubject to the following assumptions and limiting conditions:\n\n1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the\ntitle to it, except for information that he or she became aware of during the research involved in performing this appraisal.\nThe appraiser assumes that the title is good and marketable and will not render any opinions about the title.\n\n2. The appraiser has included a floor plan in this appraisal report, which shows the approximate dimensions of the\nimprovements. The floor plan is included only to assist the reader in visualizing the property and understanding the\nappraiser’s determination of its size.\n\n3. The appraiser has relied on data provided by third parties in this appraisal report. Such data may include, but is not\nlimited to, flood maps, multiple listing real estate services, tax assessment records, public land records, satellite imagery,\nvirtual street views, property data services, surveys, engineering reports, and property data aggregations. After examination\nof the data and data sources, the appraiser has used only the data he or she considers reliable. The appraiser assumes\nthere are no material omissions and makes no guarantees, express or implied, regarding the accuracy of this data.\n\n4. The appraiser will not 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"} diff --git a/chunks/json/2f1c4099e20b11fe42997fc8fb0243b321365bf3afd5a4c04cb97635450faa13.json b/chunks/json/2f1c4099e20b11fe42997fc8fb0243b321365bf3afd5a4c04cb97635450faa13.json new file mode 100644 index 0000000000000000000000000000000000000000..37562e73b274415b2a7579fc70c1f6e17dd20eee --- /dev/null +++ b/chunks/json/2f1c4099e20b11fe42997fc8fb0243b321365bf3afd5a4c04cb97635450faa13.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13269,"char_start":11635,"chunk_id":"chk_402eb24dc595faf5","chunk_index":7,"chunk_sha256":"2f1c4099e20b11fe42997fc8fb0243b321365bf3afd5a4c04cb97635450faa13","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_893077f9a03ec710","text_sha256":"2f1c4099e20b11fe42997fc8fb0243b321365bf3afd5a4c04cb97635450faa13","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-dictionary.pdf"]},"text":"Binned into 8\ncategories.\n\nSales Comparison\nApproach\n\n'1' = Less than\n1,250 sq. ft.\n'2' = 1,250 to\n1,499 sq. ft.\n'3' = 1,500 to\n1,749 sq. ft.\n'4' = 1,750 to\n1,999 sq. ft.\n'5' = 2,000 to\n2,249 sq. ft.\n'6' = 2,250 to\n2,499 sq. ft.\n\nFederal Housing Finance Agency\n\n9\n\nUAD PUF Version 2.1 Data Dictionary\n\nField Name\n\nShort Description\n\nDefinition\n\nFormat\n\nmedian_adjustment\n\nMedian Net Adjustments\nof All Comps\n\nNumeric\n\nThe median dollar value of\nappraiser-applied adjustments\nto all comparable sales prices in\nthe Sales Comparison\nApproach.\n\nAllowable\nValues\n\n'7' = 2,500 to\n2,999 sq. ft.\n'8' = 3,000 or\nmore sq. ft.\n'9' = Missing\n\n$-250,000 to\n$250,000\n\naverage_adjustment\n\nAverage Net Adjustments\nof All Comps\n\nThe average dollar value of\nappraiser-applied adjustments\nto all comparable sales prices in\nthe Sales Comparison\nApproach.\n\nNumeric\n\n$-250,000 to\n$250,000\n\nFederal Housing Finance Agency\n\nDisclosure\nAvoidance\nMethod\n\nAppraisal Form\nSection\n\nNotes\n\nSales Comparison\nApproach\n(Derived Field)\n\nComparison\nApproach\n(Derived Field)\n\nTop coded to\n$250k for high-\ncost areas and\n$100k for non-\nhigh-cost areas;\nbottom coded to\n-$250k for high-\ncost areas and -\n$100k for non-\nhigh-cost areas;\ncan be positive\nor negative;\nrounded to\nnearest $1.\n\nTop coded to\n$250k for high-\ncost areas and\n$100k for non-\nhigh-cost areas;\nbottom coded to\n-$250k for high-\ncost areas and -\n$100k for non-\n\nThis data field\nrepresents the\nmedian of the total\nnet adjustments\nmade to the sale\nprices of all the\ncomparable\nproperties. An\nadjustment is a\nchange to the sale\nprice of a\ncomparable property\nto make it equivalent\nto the subject\nproperty.\n"} diff --git a/chunks/json/2f27f1d755dc698a293b9cfc025b89d444c78d05fd52cb9af4ecfb47f5a7b7f2.json b/chunks/json/2f27f1d755dc698a293b9cfc025b89d444c78d05fd52cb9af4ecfb47f5a7b7f2.json new file mode 100644 index 0000000000000000000000000000000000000000..bcbc7b109054bf09e46299877b04d17e3fa23d92 --- /dev/null +++ b/chunks/json/2f27f1d755dc698a293b9cfc025b89d444c78d05fd52cb9af4ecfb47f5a7b7f2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1080403,"char_start":1078667,"chunk_id":"chk_185f46f56307d6d4","chunk_index":642,"chunk_sha256":"2f27f1d755dc698a293b9cfc025b89d444c78d05fd52cb9af4ecfb47f5a7b7f2","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2f27f1d755dc698a293b9cfc025b89d444c78d05fd52cb9af4ecfb47f5a7b7f2","token_estimate":434,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_E\nXTENSION/STRUCTURE_EXTENSION_SECTION[@ExtensionSection\nOrganizationName='UNIFORM APPRAISAL\nDATASET']/STRUCTURE_EXTENSION_SECTION_DATA/STRUCTUR\nE_INFORMATION/@GSEStoriesCount\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@AttachmentTyp\ne='Detached']\n\n12\n\nEnumerated\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@AttachmentTyp\ne='Attached']\n\n12\n\nEnumerated\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@AttachmentTyp\ne='SemiDetached']\n\n12\n\nEnumerated\n\n142\n\nIMPROVEMENTS Existing\n\nBuilding Status\nType\n\nSpecifies the physical status of the\nstructure.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@BuildingStatus\nType='Existing']\n\n17\n\nEnumerated\n\n143\n\nIMPROVEMENTS Proposed\n\nBuilding Status\nType\n\nSpecifies the physical status of the\nstructure.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@BuildingStatus\nType='Proposed']\n\n17\n\nEnumerated\n\n35\n\n35\n\n1\n\n1\n\n4\n\nString\n\nString\n\nBoolean\n\nBoolean\n\nNumeric\n\nUAD Requirement - Refer to Appendix D Improvements Section\n\nPDF Display Format:\nNumeric, to two decimal places: 1.25\n\nAt least one of 1-128, 129,130,131,132. and 1-\n33 should be populated.\n\nAt least one of 1-128, 129,130,131,132. and 1-\n33 should be populated.\n\nAt least one of 1-128, 129,130,131,132. and 1-\n33 should be populated.\n\nAt least one of 1-128, 129,130,131,132. and 1-\n33 should be populated.\n\nAt least one of 1-128, 129,130,131,132. and 1-\n33 should be populated. If one 1-133 is\npopulated 1-134 should be populated.\n\nIf 1-133 is indicated this field should be\npopulated.\n\nOne and only one of fields 1-136, 1-137 (values\nof Structure Accessory Unit Exists Indicator)\nshould be indicated.\nOne and only one of fields 1-136, 1-137 (values\nof Structure Accessory Unit Exists Indicator)\nshould be indicated.\n"} diff --git a/chunks/json/2f29ad2d33f2a61535b12995bc67cd96aaf7ff6a0242881678fe3f8329f95243.json b/chunks/json/2f29ad2d33f2a61535b12995bc67cd96aaf7ff6a0242881678fe3f8329f95243.json new file mode 100644 index 0000000000000000000000000000000000000000..1113bd75d6a4d5bca6cf5a75227d1fa58bcb2870 --- /dev/null +++ b/chunks/json/2f29ad2d33f2a61535b12995bc67cd96aaf7ff6a0242881678fe3f8329f95243.json @@ -0,0 +1 @@ +{"chunk":{"char_end":386773,"char_start":384870,"chunk_id":"chk_55313226b93bd4d1","chunk_index":226,"chunk_sha256":"2f29ad2d33f2a61535b12995bc67cd96aaf7ff6a0242881678fe3f8329f95243","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2f29ad2d33f2a61535b12995bc67cd96aaf7ff6a0242881678fe3f8329f95243","token_estimate":476,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/REPORT/@AppraisalPurposeTypeOtherDescription\n\n4000\n\n/VALUATION_RESPONSE/PARTIES/LENDER/@_UnparsedName\n\n/VALUATION_RESPONSE/PARTIES/LENDER/@AppraisalFormsUnparsedAd\ndress\n\nString\n\nString\n\nString\n\nUAD Requirement - Refer to Appendix D Subject Section\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\nUAD Requirement - Refer to Appendix D Subject Section\nThis field contains the name of the lender.\nThis data is referenced more than once on the form (field 6-24) and must be\nrepresented consistently to the extent the available space permits. The printed version\nof this field must appear completely in this location on the form, but may be truncated\nin the other locations.\n\nIf the value of field 1-26 (Project Per\nUnit Fee Amount) is greater than zero,\none and only one of fields 1-27, 1-28\n(values of Project Per Unit Fee Period\nType) must be indicated.\n\nIf the value of field 1-26 (Project Per\nUnit Fee Amount) is greater than zero,\none and only one of fields 1-27, 1-28\n(values of Project Per Unit Fee Period\nType) must be indicated.\n\nOne and only one of fields 1-29, 1-30,\n1-31 (values of Property Rights Type)\nshould be indicated.\nOne and only one of fields 1-29, 1-30,\n1-31 (values of Property Rights Type)\nshould be indicated.\nOne and only one of fields 1-29, 1-30,\n1-31 (values of Property Rights Type)\nshould be indicated.\nThis field should be populated if field 1-\n31 (Property Rights Type = 'Other') is\nindicated.\nOne and only one of fields 1-33, 1-34,\n1-35 (Values of Appraisal Purpose\nType) must be indicated.\nOne and only one of fields 1-33, 1-34,\n1-35 (Values of Appraisal Purpose\nType) must be indicated.\nOne and only one of fields 1-33, 1-34,\n1-35 (Values of Appraisal Purpose\nType) must be indicated.\nThis field is required if field 1-35\n(Appraisal Purpose Type = 'Other') is\nindicated.\n"} diff --git a/chunks/json/2f372bc2b965d574c72efc081d183bf01f4fc69c62b19846fb800f8fa96fbd6b.json b/chunks/json/2f372bc2b965d574c72efc081d183bf01f4fc69c62b19846fb800f8fa96fbd6b.json new file mode 100644 index 0000000000000000000000000000000000000000..a26b9f443549ef86aec3b2422dfd7a087e6034f4 --- /dev/null +++ b/chunks/json/2f372bc2b965d574c72efc081d183bf01f4fc69c62b19846fb800f8fa96fbd6b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":198014,"char_start":196405,"chunk_id":"chk_a9d39728cceeb99d","chunk_index":115,"chunk_sha256":"2f372bc2b965d574c72efc081d183bf01f4fc69c62b19846fb800f8fa96fbd6b","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"2f372bc2b965d574c72efc081d183bf01f4fc69c62b19846fb800f8fa96fbd6b","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Grammy Gold\n\nSite Influence (Location)\n\nGated Community\n| Golf Course\n\nDucks on\nthe Pond\n\nGated\nCommunity |\nGolf Course\n\n$0\n\n$0\n\nNo\n\n12,950 Sq. Ft.\n\nTimberwolf\nHollow\n\nNo\n\n$0\n\n$0\n\n14,300 Sq. Ft.\n\nGrammy Gold\n\n$0\n\nPark | Residential\n\n$8,500\n\nGated\nCommunity |\nGolf Course\n\nView | Range\n\nDwelling(s)\n\nYear Built\n\nNoncontinuous\nFinished Area\n\nDisaster Mitigation\n\nGolf Course | Full\nResidential | Full\n\nGolf Course | Full\nResidential | Full\n\nPond | Full\nResidential | Full\n\n$0 Golf Course | Full\nResidential | Full\n\n2018\n\n2017\n\n$0\n\n2018\n\n2018\n\n360 Sq. Ft.\n\n0 Sq. Ft.\n\n$9,000\n\n0 Sq. Ft.\n\n$9,000\n\n360 Sq. Ft.\n\nImpact Resistant Glass |\nImpact Resistant Shingles\n\nImpact Resistant\nGlass | Impact\nResistant\nShingles\n\nForced Warm Air\n| Natural Gas\n\nImpact Resistant\nGlass\n\n$3,000\n\nForced Warm Air\n| Natural Gas\n\nImpact Resistant\nGlass | Impact\nResistant\nShingles\n\nForced Warm Air\n| Natural Gas\n\nHeating\n\nForced Warm Air | Natural Gas\n\nEnergy Efficient and Green Features\n\nBuilding Certification\n\nLEED Gold\n\nLEED Gold\n\nLEED Gold\n\nLEED Gold\n\nAppraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)\n\nUniform Residential Appraisal Report\n\nPage 15 of 24\nPage 15 of 24\n\nSales Comparison Approach (continued)\n\nProperty Address\n\nUnit(s)\n\nLevels in Unit\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\nUnfinished Area\nBelow Grade\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\n8675309 Jenny Ln\nAnytown, IL 54321\n\n44828 Jane Ln\nAnytown, IL 54321\n\n28200 Mary Ln\nAnytown, IL 54321\n"} diff --git a/chunks/json/2f4698db22ec8461d1a9bd713b32661ac3d4cc0fc22de9d140c111f9e4beb4d4.json b/chunks/json/2f4698db22ec8461d1a9bd713b32661ac3d4cc0fc22de9d140c111f9e4beb4d4.json new file mode 100644 index 0000000000000000000000000000000000000000..fa92a51caea4d7627546779349eb981bbbe01df8 --- /dev/null +++ b/chunks/json/2f4698db22ec8461d1a9bd713b32661ac3d4cc0fc22de9d140c111f9e4beb4d4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12092,"char_start":10439,"chunk_id":"chk_e235c218290e809e","chunk_index":6,"chunk_sha256":"2f4698db22ec8461d1a9bd713b32661ac3d4cc0fc22de9d140c111f9e4beb4d4","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d219a2955dbc105a","text_sha256":"2f4698db22ec8461d1a9bd713b32661ac3d4cc0fc22de9d140c111f9e4beb4d4","token_estimate":414,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fair_Lending_Data___FHFA_12qo7.md"]},"text":"## Race and Ethnicity\n\nThe Enterprises define race and ethnicity using non-mutually exclusive definitions and applications are counted with each race or ethnicity reported by a borrower or co-borrower. For example, if there are two borrowers on a mortgage, one of whom identifies as Black and one as Asian, the loan information would be counted in both Black and Asian borrower categories. The exception is that white borrowers include only those reported as non-Hispanic white and no other race. Borrowers with missing race and ethnicity information are excluded from the population when calculating the proportion of loan acquisitions.\n\nFor race and ethnicity categories, FHFA’s Division of Public Interest Examinations and Office of Fair Lending Oversight uses the following naming conventions: “White” refers to Non-Hispanic white applicants or borrowers; “Black” refers to African American or Black borrowers; “Latino” refers to Hispanic or Latino borrowers of any race; “American Indian” refers to American Indian or Alaska Native borrowers (AIAN); “Pacific Islander” refers to Native Hawaiian or Pacific Islander borrowers; “Asian” refers to Asian borrowers.\n\n## AUS Data\n\nThe underlying data consist of application data for each Enterprise's Automated Underwriting System (AUS) that have been transmitted to FHFA. Fannie Mae uses Desktop Underwriter (DU), and Freddie Mac uses Loan Product Advisor (LPA) as their respective AUS system. The data represent the AUS recommendation for the last transaction submitted to the AUS, excluding applications that were not scorable, applications for FHA/VA loans, and applications identified as test cases.\n"} diff --git a/chunks/json/2f6ec69414cc297e3a15e2c15239dbac87635ffd3e5d70f1c5d5bd18ec720097.json b/chunks/json/2f6ec69414cc297e3a15e2c15239dbac87635ffd3e5d70f1c5d5bd18ec720097.json new file mode 100644 index 0000000000000000000000000000000000000000..69b7d44426f8ca9ca8c33a5152abe347e245375f --- /dev/null +++ b/chunks/json/2f6ec69414cc297e3a15e2c15239dbac87635ffd3e5d70f1c5d5bd18ec720097.json @@ -0,0 +1 @@ +{"chunk":{"char_end":56700,"char_start":55732,"chunk_id":"chk_7cc5bf82b75a1151","chunk_index":32,"chunk_sha256":"2f6ec69414cc297e3a15e2c15239dbac87635ffd3e5d70f1c5d5bd18ec720097","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"2f6ec69414cc297e3a15e2c15239dbac87635ffd3e5d70f1c5d5bd18ec720097","token_estimate":242,"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":"Additional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser Certifications.\n1. 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 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 30 of 30\nPage 30 of 30\n\nCertifications (continued)\n\nSignature\n\nAppraiser\nAnnie Appraiser\nAnnie Appraiser\n\nSupervisory Appraiser\nArthur Appraiser\nArthur Appraiser\n\n09/25/2019\n\nDate of Signature and Report\n\n09/25/2019\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nLevel\nID\nState\nExpires\n\nLicensed Residential\n9898989898-000034\nVA\n01/31/2020\n\nCertified Residential\n9898989898-000299\nVA\n02/28/2020\n\nAppraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024\n"} diff --git a/chunks/json/2f7766167dc948218ec5142e411bab04956e158028da70cb7c3216ebef4b3a33.json b/chunks/json/2f7766167dc948218ec5142e411bab04956e158028da70cb7c3216ebef4b3a33.json new file mode 100644 index 0000000000000000000000000000000000000000..4c4b1c5da08f5b61ddaacbc4ae148e5ce5c78398 --- /dev/null +++ b/chunks/json/2f7766167dc948218ec5142e411bab04956e158028da70cb7c3216ebef4b3a33.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11886,"char_start":10144,"chunk_id":"chk_4c3aaf6c12849ae3","chunk_index":5,"chunk_sha256":"2f7766167dc948218ec5142e411bab04956e158028da70cb7c3216ebef4b3a33","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bc0c11220168b9d2","text_sha256":"2f7766167dc948218ec5142e411bab04956e158028da70cb7c3216ebef4b3a33","token_estimate":436,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2011-24791 (1).pdf"]},"text":"II. Summary of Order’s Revisions to\nSingle-Family and Multifamily\nMatrices in PUDB\n\nFHFA has adopted the Order below\nwhich revises the PUDB single-family\nmatrix to incorporate a new National\nFile C containing new data fields\napplicable to 2010 and subsequent years\nfor the single-family high-cost\nsecuritized loans purchased and\nsecuritized by the Enterprises.\nSpecifically, National File C contains\nthe following data fields related to the\nsection 1324(b)(6) high-cost securitized\nloan characteristics: Purchase Price;\nLoan-to-Value Ratio (LTV) at\nOrigination (also released in National\nFile A); Product Type; Term of Mortgage\nat Origination; Amortization Term;\nInterest Rate at Origination; Credit\nScore; Portfolio Flag; and Percent\nRepurchased. In addition, National File\nC includes the following other relevant\ndata fields also released in mortgage-\nlevel National File A: Enterprise Flag;\nLoan Number; 2000 Census Tract—\nPercent Minority; Tract Income Ratio;\nBorrower Income Ratio; Purpose of\nLoan; and Federal Guarantee. A more\ndetailed discussion of National File C is\ncontained in Section III. below.\nIn addition, the Order makes\n\ntechnical changes to the single-family\nand multifamily data matrices of the\nPUDB applicable to 2010 and\nsubsequent years to conform the data\nfields to existing PUDB data reporting\npractices and HERA changes.\n\nBoth the Order and Appendix\n\ncontaining the revised single-family and\nmultifamily matrices are set forth at the\nend of this Notice of Order. PUDB Data\nDictionaries that further describe the\nrevised single-family PUDB files and the\nnew National File C, along with the\nrevised multifamily PUDB files, will be\nmade available on FHFA’s public Web\nsite at http://www.fhfa.gov/\nDefault.aspx?Page=137.\n"} diff --git a/chunks/json/2f7a5f2f3cd165510f93248e8730a8916e0780a32b474e024e4691a04cb434ab.json b/chunks/json/2f7a5f2f3cd165510f93248e8730a8916e0780a32b474e024e4691a04cb434ab.json new file mode 100644 index 0000000000000000000000000000000000000000..40138c8a6751b14d4081c0f6d76750d693cd5296 --- /dev/null +++ b/chunks/json/2f7a5f2f3cd165510f93248e8730a8916e0780a32b474e024e4691a04cb434ab.json @@ -0,0 +1 @@ +{"chunk":{"char_end":28637,"char_start":27025,"chunk_id":"chk_716292d76ef5da41","chunk_index":16,"chunk_sha256":"2f7a5f2f3cd165510f93248e8730a8916e0780a32b474e024e4691a04cb434ab","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2f7a5f2f3cd165510f93248e8730a8916e0780a32b474e024e4691a04cb434ab","token_estimate":403,"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\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\nT\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\nT\nT\nT\nT\nT\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\nT\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\nT\nT\nT\nT\nT\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\nT\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\nT\nT\nT\nT\nT\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\nT\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\nT\nT\nT\nT\nT\nN/A\n\nN/A\n\nT\n\nUAD Consolidated Schema Matrix\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 14 of 211\n\nDocument Version 1.4\n\nMISMO Data Point Name\n\nProject Conversion Date**\n\nProject Classification Type**\n\nProject Design Type**\n\nProject Developer Controls Project Management Indicator**\n\nElevator Count\n\nData Source Description\n\nCommercial Space Description\n\nProject Phase Identifier**\n\nProject Management Agent Name**\n\nProject Design Type Other Description**\n\nProject Conversion Original Use Description**\n\nProject Concentrated Ownership Description**\n\nProject Condition and Quality Description**\n\nProject Commercial Space Indicator**\n\nProject Concentrated Ownership Indicator**\n\nProject Management Type**\n\nProject Management Type Other Description**\n\nProject Primary Occupancy Type**\n\n.PROPERTY\n..PROJECT\n...DEVELOPMENT_STAGE\nDevelopment Stage Total Phases Count**\n\nData Source Description\n\nPlanned Units Count\n\nUnits for Sale Count\n\nUnits Sold Count\n\nUnits Rented Count\n\nDevelopment Stage Type**\n\nCompleted Units Count\n\nOwner Occupied Unit Count\n\n.PROPERTY\n..PROJECT\n...PROJECT_CAR_STORAGE\nProject Car Storage Adequacy Effect On Marketability Description**\n\nProject Car Storage Description**\n\nProject Car Storage Spaces To Units Ratio Number**\n"} diff --git a/chunks/json/2f8115fd660158da3de3968b465907e6c38473f68128d85ba8302d196b649688.json b/chunks/json/2f8115fd660158da3de3968b465907e6c38473f68128d85ba8302d196b649688.json new file mode 100644 index 0000000000000000000000000000000000000000..42114edce07d84f6f7ece5fadc16f979b221391d --- /dev/null +++ b/chunks/json/2f8115fd660158da3de3968b465907e6c38473f68128d85ba8302d196b649688.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17785,"char_start":16166,"chunk_id":"chk_6220800014c4bb23","chunk_index":10,"chunk_sha256":"2f8115fd660158da3de3968b465907e6c38473f68128d85ba8302d196b649688","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b28a85df80ca57ef","text_sha256":"2f8115fd660158da3de3968b465907e6c38473f68128d85ba8302d196b649688","token_estimate":405,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF4_Appraisal/_.pdf/SF4_Appraisal_v1.3.pdf"]},"text":"Page 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 2024 Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123\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\nLevel and Room Detail\n\nLevel in Unit\nLevel B1\n\nQuality and Condition\n\nLevels in Unit\nFloor Number\nOccupancy\nUtilities Separately Metered\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n1\nBelow Grade\nVacant\nNo\n1\n1\n0\n"} diff --git a/chunks/json/2f86161d5aba30e63f2b4c6632c14debff22e840430de81ae4248af6641042a4.json b/chunks/json/2f86161d5aba30e63f2b4c6632c14debff22e840430de81ae4248af6641042a4.json new file mode 100644 index 0000000000000000000000000000000000000000..20cfe3d06d5f1d39ae0b45997cc8cbe776de5f01 --- /dev/null +++ b/chunks/json/2f86161d5aba30e63f2b4c6632c14debff22e840430de81ae4248af6641042a4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":113960,"char_start":111991,"chunk_id":"chk_4f2a3dab4c15a806","chunk_index":63,"chunk_sha256":"2f86161d5aba30e63f2b4c6632c14debff22e840430de81ae4248af6641042a4","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"2f86161d5aba30e63f2b4c6632c14debff22e840430de81ae4248af6641042a4","token_estimate":492,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Page 48 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nExample IV-10. USE OF RATE_OR_PAYMENT_CHANGE_OCCURRENCE for\nan ARM.\n\nThis loan, closed on January 15, 2010, has a 5-year initial fixed interest rate. The\nBank of Anytown delivered the mortgage to a GSE on January 25, 2010.\n\nData Point\n\nDefinition\n\nNextRateAdjustmentE\nffectiveDate\n\nThe date on which the next interest rate\nadjustment goes into effect.\n\nValid Value\n\n2015-02-01\n\nNotes: The loan is still in its initial fixed rate period when it is delivered to the\nGSE. Therefore, the NextRateAdjustmentEffectiveDate is the\nPerChangeRateAdjustmentEffectiveDate of the First\nINTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE, the beginning of the\ninitial adjustment period.\n\nI. Container-Specific Concepts: PARTY\n\nThere must be a separate PARTY container for each party for whom information is required\nby ULDDS Appendix A. Because many entities and individuals play a role in the loan\norigination, servicing, and delivery processes, multiple PARTY containers will be delivered\nfor each DEAL—for example, Borrower, Appraiser, Appraiser Supervisor, Loan\nOriginator, and Loan Origination Company. If there is a Primary Borrower and a Co-\nBorrower, a separate PARTY container must be sent for each of them.\n\n1. The Importance of PartyRoleType\n\na. Identifies the Entity Represented by PARTY\n\nJust as LoanStateType is critical to the interpretation of data in the LOAN container,\nso PartyRoleType, within the ROLE_DETAIL container, identifies the entity about\nwhich all the data in a given instance of PARTY pertains.\n\nNote that while the MISMO V3.0 Reference Model permits business partners to\nidentify multiple roles for a given party, ULDDS Appendix A limits the use of\nPartyRoleType to one per PARTY. This is the simplest possible implementation of\nthe PARTY container and avoids the need to use XLink to establish relationships\nwithin the PARTY container between a Party’s roles and detailed data about each\nrole.\n"} diff --git a/chunks/json/2f86810f7da71eb7d7b04cbe8d4f5b92d4558e7ca850d3901006a26252db8692.json b/chunks/json/2f86810f7da71eb7d7b04cbe8d4f5b92d4558e7ca850d3901006a26252db8692.json new file mode 100644 index 0000000000000000000000000000000000000000..e8ed27d55c3bcee060e75eac6b0dc8f54a0fd37a --- /dev/null +++ b/chunks/json/2f86810f7da71eb7d7b04cbe8d4f5b92d4558e7ca850d3901006a26252db8692.json @@ -0,0 +1 @@ +{"chunk":{"char_end":30408,"char_start":21343,"chunk_id":"chk_524d2427b346280c","chunk_index":6,"chunk_sha256":"2f86810f7da71eb7d7b04cbe8d4f5b92d4558e7ca850d3901006a26252db8692","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"2f86810f7da71eb7d7b04cbe8d4f5b92d4558e7ca850d3901006a26252db8692","token_estimate":3442,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"1. Column Headings - Year Ranges ...........................................................................................................................................80\n2. Payment Ranges ....................................................................................................................................................................81\n5.2 Principal & Interest.................................................................................................................................................................. 83\n1. P&I Payment Does Not increase...........................................................................................................................................83\n2. P&I Payment Increases .........................................................................................................................................................84\n5.3 Mortgage Insurance ................................................................................................................................................................ 90\n1. MI Required ...........................................................................................................................................................................90\n2. MI Not Required ....................................................................................................................................................................91\n5.4 Estimated Escrow .................................................................................................................................................................... 92\n1. Escrow Account Exists ...........................................................................................................................................................93\n2. Escrow Account Does Not Exist ............................................................................................................................................94\n5.5. Estimated Total Monthly Payment ....................................................................................................................................... 95\n1. One Payment per Year Range...............................................................................................................................................95\n2. Payment Range within a Year Range ...................................................................................................................................95\n5.6 Estimated Taxes, Insurance & Assessments.......................................................................................................................... 97\n5.6.1 | 5.6.2 Total Periodic Payment Amount .........................................................................................................................97\n5 .6.3 – 5 .6 .5 Property Charges Included in ETI&A Amount.................................................................................................98\n1. For More Information ........................................................................................................................................................ 102\n6.0 Costs at Closing ..........................................................................................................................................................................103\nA. For More Information .............................................................................................................................................................103\n6.1 Closing Costs ..........................................................................................................................................................................104\n1. Mapping Guidance .............................................................................................................................................................\n"} diff --git a/chunks/json/2f90194d58ba8f989cec8720e6e0d282abe93cbc1bbac7a838c4dcb7f04d5a8f.json b/chunks/json/2f90194d58ba8f989cec8720e6e0d282abe93cbc1bbac7a838c4dcb7f04d5a8f.json new file mode 100644 index 0000000000000000000000000000000000000000..7fafc124e2f6fda77c21f86161ac3019d64d5304 --- /dev/null +++ b/chunks/json/2f90194d58ba8f989cec8720e6e0d282abe93cbc1bbac7a838c4dcb7f04d5a8f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15912,"char_start":14282,"chunk_id":"chk_e0bdc82fe57543ea","chunk_index":9,"chunk_sha256":"2f90194d58ba8f989cec8720e6e0d282abe93cbc1bbac7a838c4dcb7f04d5a8f","date_utc":"2026-01-27T17:54:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ca7d705bb5cd4823","text_sha256":"2f90194d58ba8f989cec8720e6e0d282abe93cbc1bbac7a838c4dcb7f04d5a8f","token_estimate":450,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Federal_Housing_Finance_Agency___LinkedIn_p6ynde.md"]},"text":"59,118 followers\n\n12mo\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\nU.S. house prices rose 0.3 percent in November, according to the FHFA seasonally adjusted monthly House Price Index (HPI®). House prices rose 4.2 percent from November 2023 to November 2024. The previously reported 0.4 percent price growth in October was revised upward to 0.5 percent. [https://lnkd.in/efTgmhK8](https://lnkd.in/efTgmhK8?trk=organization_guest_main-feed-card-text)\n\n- ![No alternative text description for this image]()\n `` `` [![image]() ![image]() 18](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-reactions) `` `` `` `` `` `` `` [1 Comment](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-comments)\n\n[Like](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_like-cta) [Comment](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_comment-cta) [Share](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_share-cta)\n"} diff --git a/chunks/json/2f95520aa7eb116abf69934ab31f42b6aa402fcf300f26cb52ebbd7c6fa5e8d1.json b/chunks/json/2f95520aa7eb116abf69934ab31f42b6aa402fcf300f26cb52ebbd7c6fa5e8d1.json new file mode 100644 index 0000000000000000000000000000000000000000..47fb4c342a531cda839a7800fea881df9cb4ed13 --- /dev/null +++ b/chunks/json/2f95520aa7eb116abf69934ab31f42b6aa402fcf300f26cb52ebbd7c6fa5e8d1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":702224,"char_start":700610,"chunk_id":"chk_9c9dc996a96689fa","chunk_index":418,"chunk_sha256":"2f95520aa7eb116abf69934ab31f42b6aa402fcf300f26cb52ebbd7c6fa5e8d1","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"2f95520aa7eb116abf69934ab31f42b6aa402fcf300f26cb52ebbd7c6fa5e8d1","token_estimate":404,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Cost Approach: Outbuilding Type\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n25.023 N/A\n\nDisplays for each\noutbuilding\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom 10.000\n\nDefinition / Additional Guidance\n\nOutbuilding Type redisplays from the Outbuilding section 10.000.\n\nNote: Detached garages with no other uses (ADUs or additional areas) are not\nreported as outbuildings in the URAR. See As is Value of Site Improvements\n(25.037) for how to address in the Cost Approach section.\n\nAppendix F-1: URAR Reference Guide\n\nPage 315 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n25 Cost Approach\n\nReplacement or Reproduction Cost for each Outbuilding\n\nCost Approach – Replacement or Reproduction Cost (Outbuilding)\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n25.024 N/A\n\nRequired for each\noutbuilding\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\nFinished Area\nFoundation\nGarage\nUnfinished Area\nOther (Describe)\n\nNote: Each selected answer displays in a separate row.\n\n25.025 N/A\n\n25.026 @\n\n25.027 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"} diff --git a/chunks/json/2f980300c8a628dcf35f943c2081c5a5f51173e678b56f5a737611c3a9101ff8.json b/chunks/json/2f980300c8a628dcf35f943c2081c5a5f51173e678b56f5a737611c3a9101ff8.json new file mode 100644 index 0000000000000000000000000000000000000000..cd9e3ba731432745ff85d33139335535572bdbda --- /dev/null +++ b/chunks/json/2f980300c8a628dcf35f943c2081c5a5f51173e678b56f5a737611c3a9101ff8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":232252,"char_start":230637,"chunk_id":"chk_3120cab72ddac918","chunk_index":216,"chunk_sha256":"2f980300c8a628dcf35f943c2081c5a5f51173e678b56f5a737611c3a9101ff8","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"2f980300c8a628dcf35f943c2081c5a5f51173e678b56f5a737611c3a9101ff8","token_estimate":404,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"using ImageCaptionCommentDescription (UID: 1400.0793, FID: 8.056.2).\n\n• Deliver images of the rear of the dwelling using ImageCategoryType (UID: 1400.0638, FID: 8.062.1) = “DwellingRear”.\n• Other images provided must be delivered using ImageCategoryType (UID: 1400.0638, FID: 8.062.1) = “DwellingExteriorExhibit”.\n• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 8.047.2, 8.062.2).\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n\n\nDescriptive caption for exhibit.\nDwellingExteriorExhibit\nzip://location/DwellingExteriorExhibit.jpg\nimage/jpeg\n\n\n\nPage 167\n\nDwelling Exterior – 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\nApparent Defects, Damages, Deficiencies on exterior of the dwelling.\n\nDeliver RELATIONSHIP to associate the defect to the applicable instance of IMPROVEMENT where the ImprovementType = \"Dwelling\".\nOne RELATIONSHIP container is required for each defect identified on the exterior of the dwelling.\n"} diff --git a/chunks/json/2fa2b64b62d3b02bd8e0ef724b805a7b044b2c1b2fc97da63b0ce0e64d71b772.json b/chunks/json/2fa2b64b62d3b02bd8e0ef724b805a7b044b2c1b2fc97da63b0ce0e64d71b772.json new file mode 100644 index 0000000000000000000000000000000000000000..313df2b16ec6a4465b1c1b45dc8f439235b5754e --- /dev/null +++ b/chunks/json/2fa2b64b62d3b02bd8e0ef724b805a7b044b2c1b2fc97da63b0ce0e64d71b772.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4910,"char_start":3473,"chunk_id":"chk_6a4fc35920bce52c","chunk_index":2,"chunk_sha256":"2fa2b64b62d3b02bd8e0ef724b805a7b044b2c1b2fc97da63b0ce0e64d71b772","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01ebc219f1f823a0","text_sha256":"2fa2b64b62d3b02bd8e0ef724b805a7b044b2c1b2fc97da63b0ce0e64d71b772","token_estimate":359,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-release-apr-15-2023.pdf"]},"text":"Document Name and\nDescription\n\nURL\n\nOnline HUD Handbook 4000.1\n\nhttp://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/handbook_400\n0-1\n\nHUD Mortgagee Letters\n\nhttps://www.hud.gov/hudclips/letters/mortgagee\n\nFHA Mortgage Limits\n\nhttps://entp.hud.gov/idapp/html/hicostlook.cfm\n\nCHUMS Data Files\n\nhttp://www.hud.gov/pub/chums/file_layouts.html\n\nFHA Resource Center: Contact\nInformation and FAQs\n\nhttp://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/fharesourcectr\n\nVA Lender’s Handbook\n\nhttps://benefits.va.gov/warms/pam26_7.asp\n\nVA Circulars\n\nVA Loan Limits\n\nhttp://www.benefits.va.gov/homeloans/new.asp\n\nhttp://www.benefits.va.gov/homeloans/loan_limits.asp\n\nVA Regional Loan Centers: Contact\nInformation\n\nhttps://www.benefits.va.gov/homeloans/contact_rlc_info.asp\n\nFor More Information\n\nMore information can be found in the Help Center, which is accessed through the Desktop Originator® (DO®)/DU User Interface.\nAdditionally, lenders may contact their Fannie Mae Business Account Management Solutions team, and mortgage brokers should\ncontact their DO sponsoring wholesale lender. For questions regarding VA policies and guidelines, lenders and mortgage brokers\nshould contact their VA Regional Loan Center. For questions regarding HUD policies and guidelines, lenders and mortgage\nbrokers should contact HUD at 1-800-CALL-FHA (1-800-225-5342).\n\n© 2023 Fannie Mae. Trademarks of Fannie Mae.\n\n3.9.23\n\n2 of 2\n"} diff --git a/chunks/json/2fb2582840faf6cd2ec68a8dc315df315283af652e989bf876a9720024bddec3.json b/chunks/json/2fb2582840faf6cd2ec68a8dc315df315283af652e989bf876a9720024bddec3.json new file mode 100644 index 0000000000000000000000000000000000000000..4205d51c4a4f6188d4843e01960a3b9470478658 --- /dev/null +++ b/chunks/json/2fb2582840faf6cd2ec68a8dc315df315283af652e989bf876a9720024bddec3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16334,"char_start":14559,"chunk_id":"chk_79dc6e46aa4b8069","chunk_index":8,"chunk_sha256":"2fb2582840faf6cd2ec68a8dc315df315283af652e989bf876a9720024bddec3","date_utc":"2026-01-27T17:47:59+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b2ae32f02cf8673","text_sha256":"2fb2582840faf6cd2ec68a8dc315df315283af652e989bf876a9720024bddec3","token_estimate":444,"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 Survey of Mortgage Originations\n\nImage\n\n![National Mortgage Database](/sites/default/files/styles/large/public/images-import/NMDB1.JPG?itok=H4RxmvHa)\n\n### Introduction\n\nThe National Survey of Mortgage Originations (NSMO) is the second component of the [National Mortgage Database program](/programs/nmdb). The NSMO is conducted quarterly and is jointly sponsored by the Federal Housing Finance Agency (FHFA) and the [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/) (CFPB).\n\n### Purpose\n\nThe purpose of the NSMO is to collect voluntary feedback directly from mortgage borrowers about their experience obtaining a mortgage. The information will provide researchers, policy makers, and others with data that they can analyze to inform housing and mortgage-related public policy and to understand consumers’ experiences taking out a mortgage. The data will help shape policies in the future to better protect consumers.\n\n### For Survey Respondents\n\nIf you are here, you probably received our letter asking for your help with an important national survey of mortgage borrowers.\n\nIf you obtained a mortgage to purchase or refinance either a personal home or a home for someone else (such as a rental property), we would like to know more about your experience in obtaining that mortgage. Hearing directly from borrowers provides valuable information about the functioning of the mortgage market that will help us improve lending practices and the mortgage process for future borrowers.\n\nThis survey is jointly sponsored by the Federal Housing Finance Agency and the Consumer Financial Protection Bureau (CFPB), two Federal agencies that are working together to improve the safety and transparency of the lending process for all consumers.\n"} diff --git a/chunks/json/2fbf9a46e5b22ea34226fd1a5ba60b4427d32efbca900482bcc355a2e0f8416b.json b/chunks/json/2fbf9a46e5b22ea34226fd1a5ba60b4427d32efbca900482bcc355a2e0f8416b.json new file mode 100644 index 0000000000000000000000000000000000000000..c6c6eebbc071a51f86f63b347351df5b562c97c9 --- /dev/null +++ b/chunks/json/2fbf9a46e5b22ea34226fd1a5ba60b4427d32efbca900482bcc355a2e0f8416b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":542049,"char_start":540028,"chunk_id":"chk_693deeea57675776","chunk_index":312,"chunk_sha256":"2fbf9a46e5b22ea34226fd1a5ba60b4427d32efbca900482bcc355a2e0f8416b","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"2fbf9a46e5b22ea34226fd1a5ba60b4427d32efbca900482bcc355a2e0f8416b","token_estimate":506,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Condition Comment\nRecently updated\n\nFully Updated\n\n1-5 years\n\nNot Updated\n\nNot Updated\n\nUpgraded shower,\nfixtures, floor\n\nStandard grade fixtures,\nfloors, and cabinetry\n\nStandard grade fixtures,\nfloors, and cabinetry\n\nNew or Like New\n\nRecently updated\n\nTypical Wear and Tear\n\nWell-maintained\n\nTypical Wear and Tear\n\nWell-maintained\n\nPartially Updated\n\n1-5 years\n\nUpgraded fixtures\n\nNew or Like New\n\nRecently updated\n\nOverall Update Status for\nBathrooms\n\nModerately Updated\n\nInterior Features\n\nFeature\nFlooring\n\nDetail\nCarpet\n\nCeramic Tile\n\nEngineered Wood\n\nVinyl\n\nWalls and Ceiling\n\n8 Ft. | 9 Ft. | Flat\n\nQuality 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"} diff --git a/chunks/json/2fc79257f16a9aa27d42a119daf44891aef6b4c8ee30bbca18acd6e912d66125.json b/chunks/json/2fc79257f16a9aa27d42a119daf44891aef6b4c8ee30bbca18acd6e912d66125.json new file mode 100644 index 0000000000000000000000000000000000000000..d4109be18603705badaa01f50794b2e26a261865 --- /dev/null +++ b/chunks/json/2fc79257f16a9aa27d42a119daf44891aef6b4c8ee30bbca18acd6e912d66125.json @@ -0,0 +1 @@ +{"chunk":{"char_end":28340,"char_start":26658,"chunk_id":"chk_18bc23061f56d981","chunk_index":16,"chunk_sha256":"2fc79257f16a9aa27d42a119daf44891aef6b4c8ee30bbca18acd6e912d66125","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"2fc79257f16a9aa27d42a119daf44891aef6b4c8ee30bbca18acd6e912d66125","token_estimate":421,"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\nFreddie Mac\n\nData Fields Specific to the GSE Proprietary Findings:\n\nField Name\nFinding Category\n\nDefines the type of message (or finding) returned within the section.\n\nDefinition / Description\n\nSeverity\n\nIndicates the level of impact of a particular message associated with an\nappraisal report finding and how urgently the finding should be addressed.\n\nAdditional\nIdentified in Header\n\nFatal\nSevere\nWarning\nInformational (FNM)\nNotification (FRE)\n\nMessage\n\nThe text description of each appraisal report finding.\n\nMessage ID\n\nA unique identifier assigned to each message.\n\n“FNM” or “FRE” Prefix\n\nProperty Affected\n\nIndicates if a property is affected by the finding, and, if so, whether the\nproperty is the subject or one of the comparable.\n\nComparable Number\n\n*Appears as part of\nProperty Affected\ncolumn, when applicable,\nfor Fannie Mae\nProprietary Findings.\n\nIf the property affected by the finding is one of the comparables, this\ndata point will appear in the Property Affected column indicating the\nnumber of the comparable (e.g., the Property Ordinal Number).\n\nFannie Mae\n\nReport Section\n\nThe name of the appraisal report section associated with a specific\nappraisal report finding/message.\n\nReport Subsection\n\nThe name of the appraisal report subsection associated with a specific\nappraisal report finding/message.\n\nReport Label / Value\n\nThe business value/name or the value/name on the PDF appraisal report.\nThis gives the user the location on the PDF where the issue/compliance\nedit occurred.\n"} diff --git a/chunks/json/2fefd9cc0445f957f0c7b29b4766f8f163529bcd287cb85543980fb7600f2214.json b/chunks/json/2fefd9cc0445f957f0c7b29b4766f8f163529bcd287cb85543980fb7600f2214.json new file mode 100644 index 0000000000000000000000000000000000000000..bf6459de6e5c3b86c97c0eaccf02233028e2f857 --- /dev/null +++ b/chunks/json/2fefd9cc0445f957f0c7b29b4766f8f163529bcd287cb85543980fb7600f2214.json @@ -0,0 +1 @@ +{"chunk":{"char_end":75600,"char_start":0,"chunk_id":"chk_2088dd93881ab5c1","chunk_index":0,"chunk_sha256":"2fefd9cc0445f957f0c7b29b4766f8f163529bcd287cb85543980fb7600f2214","date_utc":"2026-01-27T18:13:16+00:00","doc_type":"text","paths":{"json":"","txt":null},"source_id":"src_52bf46fda7ab58ea","text_sha256":"2fefd9cc0445f957f0c7b29b4766f8f163529bcd287cb85543980fb7600f2214","token_estimate":1482,"warnings":["source_path=Public_Use_Database___FHFA/links/2024_enterprise_mf_nfp/2024_Enterprise_MF_NFP/fhlmc_mf2024b_loans.txt","exceeds_max_chunk_chars_truncated"]},"text":"2 20000001 3 9 1 1 2 1 2 3\n2 20000002 3 2 1 1 2 1 2 3\n2 20000003 3 1 1 1 2 1 2 3\n2 20000004 3 2 4 1 2 1 2 5\n2 20000005 3 9 4 1 2 1 2 5\n2 20000006 3 1 8 1 2 1 2 5\n2 20000007 3 3 8 1 2 1 2 3\n2 20000008 3 1 8 1 2 2 2 5\n2 20000009 3 1 8 1 2 1 2 3\n2 20000010 3 1 8 2 2 2 2 5\n2 20000011 3 1 1 2 2 1 2 5\n2 20000012 3 2 3 1 2 1 2 5\n2 20000013 3 1 3 1 2 2 2 5\n2 20000014 3 1 1 1 2 1 2 5\n2 20000015 3 1 1 1 2 1 2 3\n2 20000016 2 3 8 2 2 1 2 2\n2 20000017 3 9 1 1 2 1 2 4\n2 20000018 3 2 8 2 2 1 2 3\n2 20000019 2 3 8 2 2 2 2 4\n2 20000020 3 1 1 1 2 1 2 5\n2 20000021 2 3 8 1 2 1 2 3\n2 20000022 3 1 3 1 2 1 2 3\n2 20000023 3 1 1 2 2 4 2 4\n2 20000024 3 1 8 1 2 1 2 3\n2 20000025 3 3 3 1 2 1 2 3\n2 20000026 3 2 1 1 2 1 2 3\n2 20000027 2 1 8 1 2 2 2 3\n2 20000028 3 1 1 1 2 1 2 4\n2 20000029 3 1 1 2 2 1 2 4\n2 20000030 3 1 2 1 2 1 2 4\n2 20000031 3 1 1 1 2 1 2 4\n2 20000032 3 1 8 2 2 4 2 3\n2 20000033 3 2 1 2 2 1 2 3\n2 20000034 3 9 1 1 2 1 2 3\n2 20000035 3 1 8 1 2 4 2 3\n2 20000036 3 1 8 1 2 2 2 3\n2 20000037 3 2 8 1 2 2 2 5\n2 20000038 3 1 1 1 2 4 2 4\n2 20000039 3 2 3 1 2 1 2 3\n2 20000040 3 1 1 1 2 1 2 3\n2 20000041 3 1 1 1 2 1 2 3\n2 20000042 3 1 1 1 2 2 2 3\n2 20000043 3 1 1 1 2 2 2 3\n2 20000044 3 3 8 1 2 2 2 3\n2 20000045 3 1 1 1 2 1 2 3\n2 20000046 3 1 8 1 2 1 2 2\n2 20000047 3 1 8 1 2 1 2 5\n2 20000048 3 1 1 1 2 1 2 5\n2 20000049 3 1 8 1 2 4 2 4\n2 20000050 2 3 8 1 2 1 2 4\n2 20000051 3 2 3 1 2 2 2 3\n2 20000052 3 1 1 1 2 4 2 4\n2 20000053 3 1 8 1 2 1 2 5\n2 20000054 3 2 8 2 2 1 2 4\n2 20000055 3 3 1 1 2 4 2 5\n2 20000056 3 1 3 1 2 1 2 5\n2 20000057 3 2 1 1 2 1 2 3\n2 20000058 3 1 2 1 2 2 2 5\n2 20000059 3 9 8 1 2 1 2 5\n2 20000060 3 1 3 1 2 1 2 4\n2 20000061 3 1 2 1 2 4 2 5\n2 20000062 3 3 8 1 2 1 2 5\n2 20000063 3 2 3 2 2 1 2 3\n2 20000064 3 9 8 1 2 1 2 4\n2 20000065 3 2 8 1 2 1 2 4\n2 20000066 3 3 8 1 2 1 2 4\n2 20000067 2 2 8 1 2 1 2 3\n2 20000068 3 2 1 1 2 1 2 4\n2 20000069 3 1 8 2 2 1 2 3\n2 20000070 3 1 8 1 2 1 2 5\n2 20000071 3 1 8 1 2 1 2 3\n2 20000072 2 3 1 1 2 2 2 5\n2 20000073 3 1 1 2 2 1 2 3\n2 20000074 3 1 1 1 2 4 2 5\n2 20000075 3 1 1 2 2 1 2 5\n2 20000076 3 1 8 2 2 1 2 4\n2 20000077 3 2 1 2 2 1 2 4\n2 20000078 3 2 8 1 2 2 2 3\n2 20000079 3 1 1 1 2 1 2 3\n2 20000080 2 1 8 1 2 1 2 5\n2 20000081 3 1 1 1 2 1 2 4\n2 20000082 3 1 1 1 2 1 2 5\n2 20000083 3 1 3 1 2 1 2 3\n2 20000084 3 1 1 1 2 1 2 3\n2 20000085 2 1 3 1 2 2 2 3\n2 20000086 3 1 3 1 2 2 2 3\n2 20000087 3 2 1 1 2 4 2 3\n2 20000088 2 2 8 1 2 2 2 4\n2 20000089 3 1 3 1 2 1 2 5\n2 20000090 3 1 1 1 2 1 2 3\n2 20000091 3 1 1 2 2 1 2 5\n2 20000092 2 3 8 1 2 1 2 5\n2 20000093 3 1 1 1 2 1 2 2\n2 20000094 3 1 1 1 2 1 2 4\n2 20000095 3 2 1 1 2 1 2 3\n2 20000096 3 1 8 1 2 1 2 5\n2 20000097 2 3 1 1 2 2 2 2\n2 20000098 3 1 1 1 2 1 2 3\n2 20000099 3 1 8 1 2 1 2 4\n2 20000100 2 2 1 1 2 1 2 5\n2 20000101 3 1 2 1 2 2 2 5\n2 20000102 2 2 8 1 2 1 2 2\n2 20000103 3 1 4 2 2 1 2 5\n2 20000104 3 1 3 1 1 1 2 5\n2 20000105 3 3 4 1 2 2 2 5\n2 20000106 3 1 4 2 2 1 2 5\n2 20000107 3 1 4 1 2 1 2 5\n2 20000108 3 2 1 1 1 1 2 3\n2 20000109 3 1 1 1 2 1 2 4\n2 20000110 3 9 4 2 2 2 2 5\n2 20000111 3 1 8 1 1 1 2 5\n2 20000112 2 2 4 2 2 1 2 5\n2 20000113 2 2 8 1 1 1 2 4\n2 20000114 3 2 8 1 1 1 2 5\n2 20000115 2 2 1 2 2 1 2 2\n2 20000116 3 2 4 1 1 1 2 5\n2 20000117 3 2 4 2 2 1 2 5\n2 20000118 3 2 8 1 1 1 2 5\n2 20000119 3 2 8 1 2 4 2 3\n2 20000120 3 2 8 1 1 1 2 5\n2 20000121 2 2 4 1 1 1 2 5\n2 20000122 3 1 2 1 1 4 2 2\n2 20000123 2 3 0 2 1 1 2 5\n2 20000124 2 3 4 1 2 1 2 2\n2 20000125 3 2 1 2 2 2 2 5\n2 20000126 3 1 8 1 1 1 2 4\n2 20000127 3 1 3 2 2 1 2 5\n2 20000128 3 1 1 1 1 4 2 5\n2 20000129 3 2 8 1 2 2 2 5\n2 20000130 3 3 8 1 2 2 2 4\n2 20000131 1 2 8 1 2 2 2 5\n2 20000132 3 2 4 2 2 4 2 5\n2 20000133 2 3 8 1 2 2 2 5\n2 20000134 3 1 4 1 2 4 2 5\n2 20000135 3 3 8 1 2 2 2 5\n2 20000136 1 1 8 1 2 2 2 5\n2 20000137 3 1 4 2 2 4 2 2\n2 20000138 3 2 1 2 2 4 2 3\n2 20000139 1 2 8 1 2 2 2 5\n2 20000140 3 1 1 2 2 4 2 4\n2 20000141 3 1 4 2 2 4 2 2\n2 20000142 2 3 4 2 1 4 2 5\n2 20000143 3 2 3 2 1 4 2 5\n2 20000144 3 3 0 1 2 1 2 5\n2 20000145 2 2 4 2 2 1 2 5\n2 20000146 3 1 1 1 2 1 2 1\n2 20000147 3 1 4 2 2 1 2 1\n2 20000148 3 1 8 1 1 1 2 5\n2 20\n"} diff --git a/chunks/json/2ff07d099954fae268cf4d1f9420ca76058e574dd3a4abd57dcd534e1beefd93.json b/chunks/json/2ff07d099954fae268cf4d1f9420ca76058e574dd3a4abd57dcd534e1beefd93.json new file mode 100644 index 0000000000000000000000000000000000000000..e971748638842af3725a6b91b5ca09f398b926b0 --- /dev/null +++ b/chunks/json/2ff07d099954fae268cf4d1f9420ca76058e574dd3a4abd57dcd534e1beefd93.json @@ -0,0 +1 @@ +{"chunk":{"char_end":241270,"char_start":239647,"chunk_id":"chk_0bbbe632a855c1d0","chunk_index":139,"chunk_sha256":"2ff07d099954fae268cf4d1f9420ca76058e574dd3a4abd57dcd534e1beefd93","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"2ff07d099954fae268cf4d1f9420ca76058e574dd3a4abd57dcd534e1beefd93","token_estimate":406,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Highest and Best Use Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nMarket\n\nMarket Area Boundary Hall Street NW to the North; Bunker Hill Drive NW to the South; Potomac River to the West; Grant St. NW to the East\n\nSearch Criteria Description The search criteria that the appraiser used to limit their search included a structure design focused on High Rises\nand an Ownership structure of Cooperative. Additional limiting factors included between 1 and 2 Full Bathrooms, 1-2 Bedrooms, a Finished\nArea Above Grade between 1000 and 1400 Sq. Ft., 1-2 Parking Spaces. Additionally, the building would ideally be constructed between 1960\nand 1975, with a closing date between 08/28/2018 and 08/28/2019.\n\nCheck #A\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\n5\n30\n$460,000\n$580,000\n$675,000\n0\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\n15\n$360,000\n$448,500\n$699,000\nNo\nPrice Trend\nBig Data Price Trends, Inc.\n\nPrice Trend Analysis Commentary A price trend analysis of the MLS data for the past year for 1-2 bedroom co-ops in this market area is\nstable with no discernible movement in prices, exhibiting economic equilibrium.\n\nHousing Trends\n\nDemand/Supply\n\nIn Balance\n\nMarketing Time\n\nUnder 3 months\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 9 of 18\nPage 9 of 18\n"} diff --git a/chunks/json/2ff0b1c126fa2f28d7dc6b033c3aecdc2ffb0de92d73ed99b221aedae8c627e1.json b/chunks/json/2ff0b1c126fa2f28d7dc6b033c3aecdc2ffb0de92d73ed99b221aedae8c627e1.json new file mode 100644 index 0000000000000000000000000000000000000000..4b5bbc3e181ac9070a2b9a061084882f8bb7bc1e --- /dev/null +++ b/chunks/json/2ff0b1c126fa2f28d7dc6b033c3aecdc2ffb0de92d73ed99b221aedae8c627e1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":831810,"char_start":830211,"chunk_id":"chk_d05037bde23ebc67","chunk_index":494,"chunk_sha256":"2ff0b1c126fa2f28d7dc6b033c3aecdc2ffb0de92d73ed99b221aedae8c627e1","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2ff0b1c126fa2f28d7dc6b033c3aecdc2ffb0de92d73ed99b221aedae8c627e1","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Applicances\nWasher/Dryer\n\nKitchen Equipment\nExists Indicator\n\nKitchen Equipment\nExists Indicator\n\nKitchen Equipment\nExists Indicator\n\nKitchen Equipment\nExists Indicator\n\nKitchen Equipment\nExists Indicator\n\nKitchen Equipment\nExists Indicator\n\nA free-form text field used to describe the\namenity if Other is selected as the\nAmenity Type.\nIndicates if the kitchen equipment\nspecified in Kitchen Equipment Type is\npresent in the unit.\nIndicates if the kitchen equipment\nspecified in Kitchen Equipment Type is\npresent in the unit.\nIndicates if the kitchen equipment\nspecified in Kitchen Equipment Type is\npresent in the unit.\nIndicates if the kitchen equipment\nspecified in Kitchen Equipment Type is\npresent in the unit.\nIndicates if the kitchen equipment\nspecified in Kitchen Equipment Type is\npresent in the unit.\nIndicates if the kitchen equipment\nspecified in Kitchen Equipment Type is\npresent in the unit.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='\nOther']/@_TypeOtherDescription\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUIPME\nNT[@_Type='Refrigerator']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUIPME\nNT[@_Type='RangeOven']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUIPME\nNT[@_Type='Disposal']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUIPME\nNT[@_Type='Microwave']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUIPME\nNT[@_Type='Dishwasher']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUIPME\nNT[@_Type='WasherDryer']/@_ExistsIndicator\n\nUNIT\nIMPROVEMENTS\n"} diff --git a/chunks/json/2ffa4b11a8f6be67e19c851f145bd5354e71188b483b7fd996b3bdbe96be0aa7.json b/chunks/json/2ffa4b11a8f6be67e19c851f145bd5354e71188b483b7fd996b3bdbe96be0aa7.json new file mode 100644 index 0000000000000000000000000000000000000000..0e09c045b60c2ae4638479733098d896aa998dc0 --- /dev/null +++ b/chunks/json/2ffa4b11a8f6be67e19c851f145bd5354e71188b483b7fd996b3bdbe96be0aa7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10225,"char_start":8501,"chunk_id":"chk_d4e2d634f4c4bd38","chunk_index":8,"chunk_sha256":"2ffa4b11a8f6be67e19c851f145bd5354e71188b483b7fd996b3bdbe96be0aa7","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"2ffa4b11a8f6be67e19c851f145bd5354e71188b483b7fd996b3bdbe96be0aa7","token_estimate":429,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"For example: Each instance of the source PARTY / INDIVIDUAL element may be associated with one\ninstance of the target NAME element, which is not associated with any other instances of the PARTY /\nINDIVIDUAL element.\n\nINDIVIDUAL 1\n\nINDIVIDUAL 2\n\nNAME 1\n\nNAME 2\n\nMost One-to-One Relationships are established in the MISMO Reference Model by containment.\nContainment means that there is a direct parent/child relationship between the elements. In the example\nabove the INDIVIDUAL element contains a NAME element, which itself contains the individual’s\nname components – First Name, Middle Name, Last Name, and others. Other One-to-One Relationships\nmay be needed which cannot be made using containment. For example, relating two data elements that\nare in different container elements. These types of relationships are sometimes referred to as “pointing\nrelations” and are defined using “XLink Relationships”, which are discussed later in this chapter.\n\nONE-T O-MANY RELAT IONSHIP\n\nA One-to-Many Relationship is one in which one instance of the source element may be associated with\none or more instances of the target element and no two instances of the source element are associated\nwith the same instance of the target element.\n\nData Relationships Using Xlink and MISMO Arcroles\n\nPage 7 of 29\n\nVersion 1.1\n\n___________\n\n_ ___\n\nData Relationships\n\nFor example: Each instance of the source BORROWER element may have multiple instances of the\ntarget EMPLOYER element, each of those is not associated with any other instances of BORROWER.\nEven if both borrowers on a loan may have the same employer, the values of some the employer data\nelements may be different, such as their income amounts, start dates, and positions.\n"} diff --git a/chunks/json/300622c61b3c34070e477b30bf94078715d80f19c9e7ad0185b817f9601e8ef1.json b/chunks/json/300622c61b3c34070e477b30bf94078715d80f19c9e7ad0185b817f9601e8ef1.json new file mode 100644 index 0000000000000000000000000000000000000000..166f9840edb9a793601f410673c6041dbb44f21c --- /dev/null +++ b/chunks/json/300622c61b3c34070e477b30bf94078715d80f19c9e7ad0185b817f9601e8ef1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1655,"char_start":0,"chunk_id":"chk_45b500116d2c2fcc","chunk_index":0,"chunk_sha256":"300622c61b3c34070e477b30bf94078715d80f19c9e7ad0185b817f9601e8ef1","date_utc":"2026-01-27T17:54:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ca7d705bb5cd4823","text_sha256":"300622c61b3c34070e477b30bf94078715d80f19c9e7ad0185b817f9601e8ef1","token_estimate":419,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Federal_Housing_Finance_Agency___LinkedIn_p6ynde.md"]},"text":"---\nsource_url: \"https://www.linkedin.com/company/fhfa/\"\ndate_accessed: \"2026-01-27T17:54:20.807Z\"\n---\n\n[Skip to main content](#main-content) [LinkedIn](/?trk=organization_guest_nav-header-logo) - [Top Content](https://www.linkedin.com/top-content?trk=organization_guest_guest_nav_menu_topContent)\n - [People](https://www.linkedin.com/pub/dir/+/+?trk=organization_guest_guest_nav_menu_people)\n - [Learning](https://www.linkedin.com/learning/search?trk=organization_guest_guest_nav_menu_learning)\n - [Jobs](https://www.linkedin.com/jobs/search?trk=organization_guest_guest_nav_menu_jobs)\n - [Games](https://www.linkedin.com/games?trk=organization_guest_guest_nav_menu_games)\n - [Get the app](ms-windows-store://pdp/?ProductId=9WZDNCRFJ4Q7&mode=mini&cid=guest_nav_upsell&trk=organization_guest_guest_nav_menu_windows)\n [Sign in](https://www.linkedin.com/login?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&fromSignIn=true&trk=organization_guest_nav-header-signin) [Join now](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_nav-header-join)\n\n`` ![Federal Housing Finance Agency’s cover photo](https://media.licdn.com/dms/image/v2/C561BAQGaccDUcpK9wg/company-background_1536_768/company-background_1536_768/0/1584300198552?e=2147483647&v=beta&t=yXDYiu1Ln1SJO3HiQSBPImpzilATkWpQbz3LryDq4IM) ![Federal Housing Finance Agency]()\n\n# Federal Housing Finance Agency\n\n## Government Administration\n\n### Washington, DC 59,118 followers\n\n#### FHFA is regulator and conservator of Fannie Mae & Freddie Mac and regulator of the Federal Home Loan Bank System\n"} diff --git a/chunks/json/301540de5e5ed5138bca5f8ed21a99828ab66a877b3d43bc6b6e1d548feaef7c.json b/chunks/json/301540de5e5ed5138bca5f8ed21a99828ab66a877b3d43bc6b6e1d548feaef7c.json new file mode 100644 index 0000000000000000000000000000000000000000..ecbee48209646ac4bedc07d81c3169c7e19ddb1a --- /dev/null +++ b/chunks/json/301540de5e5ed5138bca5f8ed21a99828ab66a877b3d43bc6b6e1d548feaef7c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":69012,"char_start":67406,"chunk_id":"chk_fd828b4ac538ff02","chunk_index":36,"chunk_sha256":"301540de5e5ed5138bca5f8ed21a99828ab66a877b3d43bc6b6e1d548feaef7c","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"301540de5e5ed5138bca5f8ed21a99828ab66a877b3d43bc6b6e1d548feaef7c","token_estimate":402,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"In addition, Fannie Mae asserted that\nif FHFA concludes that respondent ID is\na HMDA data element, it would request\nproprietary treatment under 24 CFR\n81.74(b) to prevent the public release of\nthis data, which Fannie Mae believes\nwill result in competitive harm.\nSince the Enterprises are not\ncollecting these data, and doing so\nwould impose a substantial additional\nburden on them while they are in\nconservatorship, FHFA is not requiring\nthe Enterprises to collect and report\nthese data for inclusion in the PUDB. In\nparticular, it would be burdensome,\nexpensive and time-consuming for the\nEnterprises to make the necessary\nchanges to their seller-servicer\n\nguidelines and infrastructure to collect\nsuch data.\n\nFor the convenience of the affected\nparties, the Order is recited below in its\nentirety. You may access this Order\nfrom FHFA’s Web site at http://\nwww.fhfa.gov/Default.aspx?Page=43.\nThe Order will be available for public\ninspection and copying at the Federal\nHousing Finance Agency, Fourth Floor,\n1700 G St., NW., Washington, DC 20552.\nTo make an appointment, call (202)\n414–6924.\n\nAct of 1975 (HMDA), 12 U.S.C. 2801 et\nseq., at the census tract level, and that\nsuch data elements be disclosed to the\npublic, see 12 U.S.C. 4543;\n\nWhereas, to comply with sections\n\n1323 and 1326 of the Safety and\nSoundness Act, as amended, it is\nnecessary to make changes to the data\nfields in FHFA’s single-family and\nmultifamily matrices of the PUDB to\nincorporate the data elements required\nthereunder and to reflect HMDA\nreporting practices;\n\nVI. Order\n\nPublic Use Database for Enterprise\nMortgage Purchases\n"} diff --git a/chunks/json/30156c8673afd8dbfbe25faba60b91890a38a64bea0927c30d7a523b784d0b40.json b/chunks/json/30156c8673afd8dbfbe25faba60b91890a38a64bea0927c30d7a523b784d0b40.json new file mode 100644 index 0000000000000000000000000000000000000000..ef5bba39323cf99b0f601b5d05936ff012a7d17b --- /dev/null +++ b/chunks/json/30156c8673afd8dbfbe25faba60b91890a38a64bea0927c30d7a523b784d0b40.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8965,"char_start":7203,"chunk_id":"chk_69098e76efaa1636","chunk_index":4,"chunk_sha256":"30156c8673afd8dbfbe25faba60b91890a38a64bea0927c30d7a523b784d0b40","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"30156c8673afd8dbfbe25faba60b91890a38a64bea0927c30d7a523b784d0b40","token_estimate":441,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"6 12 U.S.C. 4543(b)(2), 4546(d).\n7 12 U.S.C. 4543(b)(1), 4546(a); 24 CFR\n\n81.72(b)(3), (c)(1).\n\n8 The Enterprises are not subject to HMDA\n\nreporting requirements under Regulation C because\nthey do not originate mortgage loans, which is\nprohibited by their Charter Acts, and Regulation C\nonly applies to institutions that originate mortgage\nloans. See 12 U.S.C. 1719(a)(2), 1454(a)(5), and 12\nCFR 1003.2(g). Instead, the Safety and Soundness\n\nVerDate Sep<11>2014 18:35 Jun 02, 2020 Jkt 250001 PO 00000 Frm 00037 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\n34197\n\nimplements HMDA through Regulation\nC, which was amended in 2015 to add\nnew data HMDA elements, effective\nJanuary 1, 2018.9\n\nFHFA interprets the HMDA data\npublication requirement in the Safety\nand Soundness Act as an obligation to\nuse the same data definitions as HMDA\nfor the Enterprise data published in the\nPUDB, where possible. The Safety and\nSoundness Act does not require FHFA\nto republish in the PUDB the same data\nthat is in the CFPB’s public dataset\nissued under Regulation C. Rather, the\nEnterprises must report to FHFA the\ndata elements they collect that generally\nconform with the HMDA definitions set\nout in Regulation C. For example, the\nEnterprises must report data about their\npurchased loans that would not be\nreported for purchased loans under\nRegulation C,10 as well as data elements\nthat only partially conform to the\nRegulation C data definitions.11 This\nreflects FHFA’s view that the HMDA\ndata specifications in Regulation C\nshould be used as a guide to the types\nof data included in the PUDB that will\nbe useful for the public and\n"} diff --git a/chunks/json/3038a804ff3698b3f9916be73a679a21453ed6c12495ee817de0f531135d2c90.json b/chunks/json/3038a804ff3698b3f9916be73a679a21453ed6c12495ee817de0f531135d2c90.json new file mode 100644 index 0000000000000000000000000000000000000000..73ff79c1f298597018e718368897fdc5c296f676 --- /dev/null +++ b/chunks/json/3038a804ff3698b3f9916be73a679a21453ed6c12495ee817de0f531135d2c90.json @@ -0,0 +1 @@ +{"chunk":{"char_end":50418,"char_start":49440,"chunk_id":"chk_ac2c74161a616e85","chunk_index":51,"chunk_sha256":"3038a804ff3698b3f9916be73a679a21453ed6c12495ee817de0f531135d2c90","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"3038a804ff3698b3f9916be73a679a21453ed6c12495ee817de0f531135d2c90","token_estimate":573,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"22.01.04\n\n22.01.05\n\n22.01.06\n\n22.01.07\n\n22.01.09\n\n22.01.10\n\n22.01.11\n\n22.01.12\n\n22.01.13\n\n22.01.15\n\n22.02.01\n\n22.02.02\n22.02.03\n\n22.02.04\n\n22.03.01\n\n22.03.02\n\n22.03.03\n22.0 .04\n22.03.05\n\n22.03.06\n22.03.07\n\n22.0 .08\n\n22.03.09\n\n22.03.10\n\n22.03.11\n\n22.03.12\n\n22.0 .13\n\n22.03.14\n\n22.03.15\n\n22.03.17\n\n22.04.01\n22.04.02\n\n22.04.03\n\n22.04.04\n\n22.01.14\n\n22.03.16\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\n6.04\n\n(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1)\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n"} diff --git a/chunks/json/303a3c20e07005e534f54f081169595952bd813503bb93f0f3f7c70100e027bc.json b/chunks/json/303a3c20e07005e534f54f081169595952bd813503bb93f0f3f7c70100e027bc.json new file mode 100644 index 0000000000000000000000000000000000000000..dc387d8e13200731da0fc34721215ec6567a4061 --- /dev/null +++ b/chunks/json/303a3c20e07005e534f54f081169595952bd813503bb93f0f3f7c70100e027bc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":61350,"char_start":59540,"chunk_id":"chk_797e4332da235227","chunk_index":32,"chunk_sha256":"303a3c20e07005e534f54f081169595952bd813503bb93f0f3f7c70100e027bc","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"303a3c20e07005e534f54f081169595952bd813503bb93f0f3f7c70100e027bc","token_estimate":453,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"The following information is presented in the columns associated with each attribute:\n\n1. Attribute\n\nThe “Attribute” column lists the term names determined by the submitting MISMO\nWorkgroup and approved by MISMO. The term name must comply with the MISMO\nnaming conventions described in Section III-A-1. Data Point. MISMO attributes are\nexpressed in Upper Camel Case.\n\nExample III-15 MISMO LDD Attribute Names.\n\nAttribute:\n\n MISMOReferenceModelIdentifier\n LoanRoleType\n\nNotes: No spaces between the words making up each term. Each term name ends\n\nin a Class Word.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 22 of 76\n\nSection III. Using the MISMO v3.0 Logical Data Dictionary\n\n2. Definition\n\nThe “Definition” column provides the industry-standard description of the attribute.\nThe MISMO definition will tend to be very generic, as many attributes are used in\nmore than one mortgage industry process.\n\nOne role of the business partners implementing the MISMO standard is to provide\nadditional information about how the attribute is to be used in the transactions they are\nexchanging. Additional guidance can add detail to and interpret the MISMO\ndefinition, but should always be consistent with it.\n\nExample III-16. MISMO LDD Attribute Definitions and Business Partner\nGuidance.\n\nAttribute: LoanRoleType\nDefinition: Used as an attribute on LOAN to distinguish subject loans from\n\nrelated loans.\n\nBusiness Partner Guidance in Implementation Guide: Each instance of the\n\nLOAN container captures data points of either the delivered (subject) loan\nor a supporting (related) loan at a specific point in time defined by the\nvalues of the LoanStateType and LoanRoleType associated with that\ncontainer.\n"} diff --git a/chunks/json/3045cfb52f0b4c5d8d72808a069dbe705c575622d43aedf7328ee1cc36ec2cfc.json b/chunks/json/3045cfb52f0b4c5d8d72808a069dbe705c575622d43aedf7328ee1cc36ec2cfc.json new file mode 100644 index 0000000000000000000000000000000000000000..d301637c9580535a99390e65b088d8f3220fcbb1 --- /dev/null +++ b/chunks/json/3045cfb52f0b4c5d8d72808a069dbe705c575622d43aedf7328ee1cc36ec2cfc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":65705,"char_start":65222,"chunk_id":"chk_24d5a5d30d9f2b23","chunk_index":105,"chunk_sha256":"3045cfb52f0b4c5d8d72808a069dbe705c575622d43aedf7328ee1cc36ec2cfc","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"3045cfb52f0b4c5d8d72808a069dbe705c575622d43aedf7328ee1cc36ec2cfc","token_estimate":430,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Overview ................................................................................................................................................................................................................................................ 319\n\nData Mapping and PDF Rendering Information ..................................................................................................................................................................................... 320\n"} diff --git a/chunks/json/306528221bf22094fa89dce673c6e6a0a00183f1312a202ab4e710b701991752.json b/chunks/json/306528221bf22094fa89dce673c6e6a0a00183f1312a202ab4e710b701991752.json new file mode 100644 index 0000000000000000000000000000000000000000..cf6ae467c807b69a638dec517a0563fd46de3975 --- /dev/null +++ b/chunks/json/306528221bf22094fa89dce673c6e6a0a00183f1312a202ab4e710b701991752.json @@ -0,0 +1 @@ +{"chunk":{"char_end":459520,"char_start":457901,"chunk_id":"chk_8f04c4271440337b","chunk_index":269,"chunk_sha256":"306528221bf22094fa89dce673c6e6a0a00183f1312a202ab4e710b701991752","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"306528221bf22094fa89dce673c6e6a0a00183f1312a202ab4e710b701991752","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Form FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 92 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\n167\n\n1\n\n160\n\nPROJECT\nINFORMATION\n\nIf Project Completed\n# of Units for Sale\n\nUnits For Sale\nCount\n\nTotal number of living units for sale.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='Complete']/@UnitsForSaleCount\n\n168\n\n1\n\n161\n\nPROJECT\nINFORMATION\n\nIf Project Completed\n# of Units Sold\n\nUnits Sold Count 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\nCount\n\nTotal 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\n171\n\n1\n\n164\n\nPROJECT\nINFORMATION\n\nIf Project Incomplete\n# of Planned Phases\n\nDevelopment Stage\nTotal Phases Count\n\nNumber of phases that exist in the project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='Incomplete']/@_TotalPhasesCount\n"} diff --git a/chunks/json/306e9f0a0ecbf2eb364bfd02d021eaecc3c0585305ebf499dcec1dfb0402a618.json b/chunks/json/306e9f0a0ecbf2eb364bfd02d021eaecc3c0585305ebf499dcec1dfb0402a618.json new file mode 100644 index 0000000000000000000000000000000000000000..660cdb216d73baa6f4eab763948d98ded57563b2 --- /dev/null +++ b/chunks/json/306e9f0a0ecbf2eb364bfd02d021eaecc3c0585305ebf499dcec1dfb0402a618.json @@ -0,0 +1 @@ +{"chunk":{"char_end":328814,"char_start":327160,"chunk_id":"chk_385089a9857250e1","chunk_index":189,"chunk_sha256":"306e9f0a0ecbf2eb364bfd02d021eaecc3c0585305ebf499dcec1dfb0402a618","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"306e9f0a0ecbf2eb364bfd02d021eaecc3c0585305ebf499dcec1dfb0402a618","token_estimate":414,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Additional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser Certifications.\n1. 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 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1)\n\nUniform Residential Appraisal Report\n\nPage 30 of 30\nPage 30 of 30\n\nCertifications (continued)\n\nSignature\n\nAppraiser\nAnnie Appraiser\nAnnie Appraiser\n\nSupervisory Appraiser\nArthur Appraiser\nArthur Appraiser\n\n09/25/2019\n\nDate of Signature and Report\n\n09/25/2019\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nLevel\nID\nState\nExpires\n\nLicensed Residential\n9898989898-000034\nVA\n01/31/2020\n\nCertified Residential\n9898989898-000299\nVA\n02/28/2020\n\nAppraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1)\n\nManufactured Home Scenario 2 (MH2)\n\nIntroduction\n\nThis report is for a 1,568 sq. ft. manufactured home with three bedrooms and two full baths. The\ndwelling is attached to a poured concrete perimeter foundation with crawl space. The site is a 14,000 sq.\nft. lot within a neighborhood of similar manufactured, modular, and site-built single-level homes.\n\nThe improvements include an attached two-car garage, patio, and covered porch.\n\nKey Characteristics\n\n•\n\n•\n\nRefinance Transaction\n\nConstruction Method: Manufactured Home and Site Built\n\no Freddie Mac CHOICEHome® (for additional details refer to CHOICEHome - Freddie Mac\n"} diff --git a/chunks/json/30705f104a4580fd5be18f264a0e2edb0ffe506fcc71dd8994ad340f64fc5765.json b/chunks/json/30705f104a4580fd5be18f264a0e2edb0ffe506fcc71dd8994ad340f64fc5765.json new file mode 100644 index 0000000000000000000000000000000000000000..9e321f6af01e0308a8eeaf7dc6e3da4243173cb3 --- /dev/null +++ b/chunks/json/30705f104a4580fd5be18f264a0e2edb0ffe506fcc71dd8994ad340f64fc5765.json @@ -0,0 +1 @@ +{"chunk":{"char_end":237213,"char_start":235605,"chunk_id":"chk_1c129551ee89747a","chunk_index":139,"chunk_sha256":"30705f104a4580fd5be18f264a0e2edb0ffe506fcc71dd8994ad340f64fc5765","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"30705f104a4580fd5be18f264a0e2edb0ffe506fcc71dd8994ad340f64fc5765","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Allowable Answer\n\nDefinition / Additional Guidance\n\nConstruction Method (Choose one or more allowable answers)\n\nContainer\n\nManufactured\n\nModular\n\nA structure that was built using repurposed shipping containers as the core construction method, also referred to as an\nIntermodal Steel Building Unit (ISBU).\n\nA factory built dwelling built in compliance with the Federal Manufactured Home Construction and Safety Standards in\neffect at the time the home was manufactured as evidenced by the HUD label. (HUD Code Home)\nNote: Selecting this answer triggers the Manufactured Home section for the dwelling.\n\nA factory built dwelling not on a permanent chassis, which is built to state or local guidelines and does not have a HUD\nlabel.\n\nOn-Frame Modular\n\nA factory built dwelling on a permanent chassis, which is built to state or local guidelines and does not have a HUD label.\n\nSite Built\n\n3D Technology\n\nDescribes the construction process, indicating that most elements are created at the home’s permanent site, also referred\nto as stick built. May include some prefabricated components.\n\nA structure that was built using three-dimensional printing technologies as a core method in the fabrication process. This\nincludes 3D technology that was completed on site or in a factory.\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nConverted Area\n\nThe display of the URAR varies depending on whether or not there is an area in the structure that has been\nconverted to living area from its original use.\n\nExample: No Converted Area\n\nAppendix F-1: URAR Reference Guide\n\nPage 97 of 375\n"} diff --git a/chunks/json/308c686b181321c93f5a6d8b2479defda95a47a73810b4ba9852d55e66108746.json b/chunks/json/308c686b181321c93f5a6d8b2479defda95a47a73810b4ba9852d55e66108746.json new file mode 100644 index 0000000000000000000000000000000000000000..d0d77f8867c263b59dcb2280005221490cc33850 --- /dev/null +++ b/chunks/json/308c686b181321c93f5a6d8b2479defda95a47a73810b4ba9852d55e66108746.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8681,"char_start":7084,"chunk_id":"chk_5092ddf23b16943a","chunk_index":4,"chunk_sha256":"308c686b181321c93f5a6d8b2479defda95a47a73810b4ba9852d55e66108746","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_53cdb7ce3f149cb3","text_sha256":"308c686b181321c93f5a6d8b2479defda95a47a73810b4ba9852d55e66108746","token_estimate":413,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Search_or_Browse_Mortgage_Documents___FHFA_51hhk4.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 - Search or Browse Mortgage Documents\n\n# Search or Browse Mortgage Documents\n\n- [Basic Search](/quicktabs/nojs/mortgage_translation_search/0)\n- [Advanced Search](/quicktabs/nojs/mortgage_translation_search/1)\nDocument Language - Any - English Spanish / Español Chinese / 中文 Vietnamese / Tiếng Việt Korean / 한국어 Tagalog / Filipino\n"} diff --git a/chunks/json/309054835cb9c2703b44a5f5bdae3e60a7521361ef1dfb7821a59fb8f80ed77f.json b/chunks/json/309054835cb9c2703b44a5f5bdae3e60a7521361ef1dfb7821a59fb8f80ed77f.json new file mode 100644 index 0000000000000000000000000000000000000000..75def88b148e6c53611171a86f0c5b2096ab566b --- /dev/null +++ b/chunks/json/309054835cb9c2703b44a5f5bdae3e60a7521361ef1dfb7821a59fb8f80ed77f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":485143,"char_start":484486,"chunk_id":"chk_10ffae3069712ef5","chunk_index":363,"chunk_sha256":"309054835cb9c2703b44a5f5bdae3e60a7521361ef1dfb7821a59fb8f80ed77f","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"309054835cb9c2703b44a5f5bdae3e60a7521361ef1dfb7821a59fb8f80ed77f","token_estimate":164,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf","below_target_min_tokens"]},"text":"Supported Attribute Enumerations\n\n2200.0092 RELATIONSHIP\n\n@xlink:arcrole\n\nurn:fdc:mismo.org:2009:residential/SIGNATORY_IsAssociatedWith_ROLE\n\n2200.0093 RELATIONSHIP\n\n@xlink:from\n\nSIGNATORY_n\n\n2200.0094 RELATIONSHIP\n\n@xlink:to\n\n2200.0153\n\nSIGNATORY\n\n2200.0079 ROLE\n\n@xlink:label\n\n@xlink:label\n\nROLE_n\n\nSIGNATORY_n\n\nROLE_n\n\nEvery party that signs the report is represented in the data using an arcrole. The Appraiser and Appraiser Supervisor signatures displayed in\nFigure 29 - 1, are represented in the sample XML to illustrate how the data is delivered.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 377\n\nAppendix B-1: URAR Implementation Guide v1.3\n"} diff --git a/chunks/json/309afad7ac4be3d8f92e04273c8cdc40df239cdbd6e3bee01821cea98ca3b45c.json b/chunks/json/309afad7ac4be3d8f92e04273c8cdc40df239cdbd6e3bee01821cea98ca3b45c.json new file mode 100644 index 0000000000000000000000000000000000000000..236f17f48ad3450c816168de5dc8cb763a49bb33 --- /dev/null +++ b/chunks/json/309afad7ac4be3d8f92e04273c8cdc40df239cdbd6e3bee01821cea98ca3b45c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1549,"char_start":0,"chunk_id":"chk_e09b3a5b9dc88048","chunk_index":0,"chunk_sha256":"309afad7ac4be3d8f92e04273c8cdc40df239cdbd6e3bee01821cea98ca3b45c","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_95f5a522c636249f","text_sha256":"309afad7ac4be3d8f92e04273c8cdc40df239cdbd6e3bee01821cea98ca3b45c","token_estimate":387,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/technology-manager-release-may-5-2023.pdf"]},"text":"Technology Manager Release Notes\nMay 5, 2023\n\nTechnology Manager (TM) is a web-based tool that allows Fannie Mae customers to provision and manage\naccess to Fannie Mae applications. Registered users can view and modify their user profile and security\ninformation, and company designated administrators can assign various applications to their users and\nmanage their System IDs.\n\nWhat’s new in this release?\n\n•\n\nInternet Protocol (IP) Address Restrictions – In order to enhance security, Fannie Mae is offering\nadditional access controls through IP Address Restrictions. The IP Address Restrictions feature is\navailable for administrators under the 'Edit Company Configuration' menu item on Technology\nManager dashboard. It allows customers to self-identify a custom list of IP addresses that are\nallowed access to Fannie Mae applications and APIs. Administrators can elect to apply IP address\nrestrictions for either user ids, system ids or both by selecting the appropriate options.\n\n• Multifactor authentication (MFA) – Security Key Update - Users logging in to Fannie Mae browser-\n\nbased applications, can log in with a User ID and a physical USB security key. These physical keys can\nbe plugged into a computer’s USB port to allow for a quick yet secure login. The “Security Key”\noption now available in both Package 1 and 2 for MFA.\n\nTechnology Manager Virtual Assistant (TMVA):\n\n• Condo Project Manager™ (CPM™) details have been added to the Corporate Administrator Orientation\n\nin the Virtual Assistant.\n\n© 2023 Fannie Mae 5.3.23 Page 1 of 1\n"} diff --git a/chunks/json/30b61ddf2483ea0ba14e821f01f9e83f9ca7c7106c1425203b8f6a7c118f63a4.json b/chunks/json/30b61ddf2483ea0ba14e821f01f9e83f9ca7c7106c1425203b8f6a7c118f63a4.json new file mode 100644 index 0000000000000000000000000000000000000000..c67e2b6c5d3458bf383f23e60c0c1df745889b87 --- /dev/null +++ b/chunks/json/30b61ddf2483ea0ba14e821f01f9e83f9ca7c7106c1425203b8f6a7c118f63a4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5452,"char_start":3704,"chunk_id":"chk_42fe2d1f64d0f9ec","chunk_index":2,"chunk_sha256":"30b61ddf2483ea0ba14e821f01f9e83f9ca7c7106c1425203b8f6a7c118f63a4","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"30b61ddf2483ea0ba14e821f01f9e83f9ca7c7106c1425203b8f6a7c118f63a4","token_estimate":437,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"Appendix F-2: Appraisal Update Report Reference Guide\n\nPage 3 of 28\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nIntroduction\n\nIntroduction\n\nThe Uniform Appraisal Dataset (UAD) is a standardized industry dataset for appraisal information that is\ntransmitted electronically through the Uniform Collateral Data Portal® (UCDP®). At the direction of the Federal\nHousing Finance Agency (FHFA), Fannie Mae and Freddie Mac (the government-sponsored enterprises or GSEs)\njointly developed the first UAD in 2010 using the Mortgage Industry Standards Maintenance Organization\n(MISMO®) Reference Model 2.6, providing consistent data standards for the loans the GSEs purchase.\n\nThe dataset is being updated to reflect changes to the appraisal industry, address future appraisal needs, and\nfacilitate ongoing digitization in the appraisal process and the mortgage industry.\n\nIn the legacy UAD, standardized data was the key to evaluating risk at a macro level. The new dataset will take\nthis advancement even further by:\n• Creating consistent enumerated fields.\n• Keeping the related data together in each section for an easy-to-read report.\n• Reducing subjectivity to enhance impartiality through discrete data versus free-form text.\n• Eliminating the confusion of having two scopes of work (update and completion) on the same form.\n\nIn addition, appraisal data is currently submitted to the GSEs using the MISMO Reference Model 2.6, which is\noutdated and no longer supported by MISMO. As part of this update, the UAD will conform to the latest MISMO\nReference Model (3.6).\n\nThe primary purpose of Appendix F-2: Restricted Appraisal Update Report Reference Guide is to provide\nguidance on how to enter information and how the data will be displayed on the report.\n"} diff --git a/chunks/json/3a345734a563998a9f8d5cb98e3e7d8914efa25b4132aed2e27a67427b1d5cbc.json b/chunks/json/3a345734a563998a9f8d5cb98e3e7d8914efa25b4132aed2e27a67427b1d5cbc.json new file mode 100644 index 0000000000000000000000000000000000000000..964571e735f2ecdca745ab86316ca86861f6517b --- /dev/null +++ b/chunks/json/3a345734a563998a9f8d5cb98e3e7d8914efa25b4132aed2e27a67427b1d5cbc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":88616,"char_start":86607,"chunk_id":"chk_e6c5f74bf21278b2","chunk_index":31,"chunk_sha256":"3a345734a563998a9f8d5cb98e3e7d8914efa25b4132aed2e27a67427b1d5cbc","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"3a345734a563998a9f8d5cb98e3e7d8914efa25b4132aed2e27a67427b1d5cbc","token_estimate":502,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"3. TO SUPPORT DATA CLARI TY\n\nIn certain cases, UCD asks for additional information needed to clarify data required on the Closing Disclosure.\nFor example: When Property Valuation Amount is on the Closing Disclosure, the UCD requires 1.018\nPropertyValuationMethodType.\n\nC. XML-REQUI RED D ATA POI NTS\n\nSeveral data points are included in UCD to identify the XML file and its payload, establish relationships between\ncontainers, and extend the v3.3.0 Reference Model to include missing UCD required data. These data points do\nnot have a corresponding heading or form label on the Closing Disclosure, so are identified with “XML” in the\nForm Field ID column. Users can track unique instances of these data points within Appendix I by using the value\nin the Unique ID column.\n\n1. TO I DENTI FY THE XML FI LE\n\nFile metadata provides the MISMO Reference Model build number upon which the XML file is based and the\ndate the file was created.\n\n2. TO I DENTI FY THE FI LE’ S PAYLOAD\n\nThe systems receiving UCD files need high-level information about the payload to enable processing. In addition\nto identifying the form (see III. Closing Disclosure), data points4 are included to enable the transmission of the\nClosing Disclosure PDF.\n\n4 These data points comply with the SMART Doc PDF Basic and Retrievable I-Guide available on MISMO’s Web site at\nhttp://www.mismo.org/Guidelines/ImplementationGuidelines.htm.\n\nAppendix E: UCD Implementation Guide\n\nPage 25 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nIV. UCD Data Point Categories\n\n3. TO SUPPORT UCD REQUI REM ENTS NOT I N MI SMO V 3. 3. 0\n\nSome UCD data requirements were identified after MISMO v3.3.0 was published. These data points are included\nin the UCD using the EXTENSION/OTHER structure and require the prefix “gse:” in front of the container or data\npoint name5. The following namespace must also be included in the UCD XML file header\nxmlns:gse=http://www.datamodelextension.org (see Table 5). The following UCD data points are EXTENSIONs\nto MISMO v3.3:\n"} diff --git a/chunks/json/3a383e5838071c5d925d4f48fabda0b751a387e91c6fefbf91504613e0276678.json b/chunks/json/3a383e5838071c5d925d4f48fabda0b751a387e91c6fefbf91504613e0276678.json new file mode 100644 index 0000000000000000000000000000000000000000..c13e6a1175d667fc717e394f4838be2457a65a64 --- /dev/null +++ b/chunks/json/3a383e5838071c5d925d4f48fabda0b751a387e91c6fefbf91504613e0276678.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8685,"char_start":7085,"chunk_id":"chk_eb9ae79b178d8f38","chunk_index":4,"chunk_sha256":"3a383e5838071c5d925d4f48fabda0b751a387e91c6fefbf91504613e0276678","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_917691af2170118f","text_sha256":"3a383e5838071c5d925d4f48fabda0b751a387e91c6fefbf91504613e0276678","token_estimate":410,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Plain_Language_Report___U_S__FEDERAL_HOUSING_13zfde.md"]},"text":"[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# Plain Language Report\n\n## Breadcrumb\n\n- [Home](/)\n - [Reports](/reports)\n - Plain Language Report\n\nThis report describes the Federal Housing Finance Agency’s (FHFA) compliance with the Plain Writing Act of 2010 (Act). The purpose of the Act is to improve the effectiveness and accountability of federal agencies to the public by promoting clear government communication that the public can understand and use.\n"} diff --git a/chunks/json/3a520ebfcd3c09bbef90fc40d5ab36e9e76f3c2cb33967a33a76b1e4c1719c16.json b/chunks/json/3a520ebfcd3c09bbef90fc40d5ab36e9e76f3c2cb33967a33a76b1e4c1719c16.json new file mode 100644 index 0000000000000000000000000000000000000000..657c1c3ee7948b542219cd420f0e2d3cf72a7254 --- /dev/null +++ b/chunks/json/3a520ebfcd3c09bbef90fc40d5ab36e9e76f3c2cb33967a33a76b1e4c1719c16.json @@ -0,0 +1 @@ +{"chunk":{"char_end":38322,"char_start":36353,"chunk_id":"chk_55b8cc0c1503419e","chunk_index":18,"chunk_sha256":"3a520ebfcd3c09bbef90fc40d5ab36e9e76f3c2cb33967a33a76b1e4c1719c16","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"3a520ebfcd3c09bbef90fc40d5ab36e9e76f3c2cb33967a33a76b1e4c1719c16","token_estimate":492,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"9 MEG 0022 v1.0 (Calculated Result) describes Calculated Results Fields and can be found on the MISMO Web site\nat http://www.mismo.org/specs/v30-candidate-recommendation.html.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 10 of 76\n\nSection III. Using the MISMO v3.0 Logical Data Dictionary\n\nEach GSE’s Appendix A (also referred to as GSE-specific data set) uses subsets of\nvalid values specific to the loan delivery function.\n\nExample III-3. MISMO LDD Data Point Enumerations.\n\nData Point: AttachmentType\nDefinition: Specifies the type of physical attachment, if any, between the\n\ndwelling unit and adjacent dwelling units.\n\nEnumerations:\n\n Attached : Residential dwelling unit that has common wall or other direct\n\nphysical connection with another residential dwelling unit.\n\n Detached : Residential dwelling unit that has no common wall or other\n\ndirect physical connection with another residential dwelling unit.\n\n SemiDetached : Residential dwellings that consist of pairs of houses built\nside by side sharing a common party wall. Sometimes called a duplex.\n\nNotes: AttachmentType has three valid values, Attached, Detached, and\n\nSemiDetached. The text following the colon is the explanation and is not\npart of the valid value term name.\n\na. Other / OtherDescription\n\nMISMO has developed a construct to allow business partners to add user-specific\nor missing valid values to a data point. Almost every data point with an associated\nenumerated list (data points ending in “Type”), has an identically named partner\ndata point ending in “OtherDescription.” (There are a limited number of\nexceptions to this rule, for those data points with enumerations for which the\nWorkgroup believes the list of valid values to be complete; for example,\nAdjustmentRuleType and LoanStateType. These data points do not have an\nassociated “Other Description” partner.)\n"} diff --git a/chunks/json/3a5541d964c9a65de555e6b43bd739051a28f6e8ed925cd84b00eb43cbfcef85.json b/chunks/json/3a5541d964c9a65de555e6b43bd739051a28f6e8ed925cd84b00eb43cbfcef85.json new file mode 100644 index 0000000000000000000000000000000000000000..05aef05fb031814773c1e78848edd837a3566697 --- /dev/null +++ b/chunks/json/3a5541d964c9a65de555e6b43bd739051a28f6e8ed925cd84b00eb43cbfcef85.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18249,"char_start":16526,"chunk_id":"chk_c1b237c53c048e16","chunk_index":10,"chunk_sha256":"3a5541d964c9a65de555e6b43bd739051a28f6e8ed925cd84b00eb43cbfcef85","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"3a5541d964c9a65de555e6b43bd739051a28f6e8ed925cd84b00eb43cbfcef85","token_estimate":431,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"Dynamic Reports\n\nThe Document Level Results displays dynamic fields that appear when applicable, reflecting the data-driven nature of\nUAD 3.6. This includes content-specific data for the Restricted Appraisal Update Report and Completion Reports.\n\nRestricted Appraisal Update Report (Update Report)\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\nData Fields Specific to the Restricted Appraisal Update Report\n\nField Name\n\nDefinition / Description\n\nHas the market value of the\nsubject property decreased\nsince the effective date of\nthe original appraisal?\n\nIndicates whether the market value of a property has decreased.\nGenerally used when updating a previous appraisal report on the\nsame property.\n\nAppraisal Update Effective\nDate\n\nIt is the effective date of when the appraiser's analyses, opinions,\nand conclusions regarding the property's value apply.\n\nOriginal Effective Date of\nAppraisal\n\nThe date of when the appraiser’s analyses, opinions, and\nconclusions regarding the property’s values apply on the\noriginal URAR, i.e., the effective date of the URAR that is\nassociated with the Restricted Appraisal Update Report.\n\n*Fannie Mae (FNM); Freddie Mac (FRE)\n\nAppears on\n[FNM, FRE, Both] *\n\nBoth\n\nBoth\n\nBoth\n\nCompletion Report\n\nFannie Mae\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"} diff --git a/chunks/json/3a74744f83ad104a14641648d4d5a8ad83e7eb4405008929d648f20104c14328.json b/chunks/json/3a74744f83ad104a14641648d4d5a8ad83e7eb4405008929d648f20104c14328.json new file mode 100644 index 0000000000000000000000000000000000000000..c4ae78cff5119b5051be248407c90abd1fd000c8 --- /dev/null +++ b/chunks/json/3a74744f83ad104a14641648d4d5a8ad83e7eb4405008929d648f20104c14328.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5299,"char_start":4629,"chunk_id":"chk_fe64cb5f69566949","chunk_index":4,"chunk_sha256":"3a74744f83ad104a14641648d4d5a8ad83e7eb4405008929d648f20104c14328","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"3a74744f83ad104a14641648d4d5a8ad83e7eb4405008929d648f20104c14328","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:21)(cid:17)(cid:19)(cid:21)(cid:24)\n\n(cid:21)(cid:17)(cid:19)(cid:21)(cid:25)\n\n(cid:21)(cid:17)(cid:19)(cid:21)(cid:26)\n\n(cid:21)(cid:17)(cid:19)(cid:21)(cid:27)\n\n(cid:21)(cid:17)(cid:19)(cid:21)(cid:28)\n\n(cid:21)(cid:17)(cid:19)(cid:22)(cid:19)\n\n(cid:21)(cid:17)(cid:19)(cid:22)(cid:20)\n\n(cid:21)(cid:17)(cid:19)(cid:22)(cid:28)\n\n(cid:21)(cid:17)(cid:19)(cid:23)(cid:19)\n\n(cid:21)(cid:17)(cid:19)(cid:23)(cid:20)\n\n(cid:21)(cid:17)(cid:19)(cid:23)(cid:21)\n\n(cid:21)(cid:17)(cid:19)(cid:23)(cid:22)\n\n(cid:21)(cid:17)(cid:19)(cid:23)(cid:23)\n\n(cid:21)(cid:17)(cid:19)(cid:23)(cid:24)\n\n(cid:21)(cid:17)(cid:19)(cid:23)(cid:25)\n\n(cid:21)(cid:17)(cid:19)(cid:23)(cid:28)\n"} diff --git a/chunks/json/3a7e397b825b7bdf99dfdcc1961ac409f36df49d2e3b5e8eab2bc48876d5595c.json b/chunks/json/3a7e397b825b7bdf99dfdcc1961ac409f36df49d2e3b5e8eab2bc48876d5595c.json new file mode 100644 index 0000000000000000000000000000000000000000..d11b6c3e6ff2c29088f192ff50ec98a2fdeb14e3 --- /dev/null +++ b/chunks/json/3a7e397b825b7bdf99dfdcc1961ac409f36df49d2e3b5e8eab2bc48876d5595c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":72724,"char_start":71107,"chunk_id":"chk_f2cd6473474eccaf","chunk_index":40,"chunk_sha256":"3a7e397b825b7bdf99dfdcc1961ac409f36df49d2e3b5e8eab2bc48876d5595c","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"3a7e397b825b7bdf99dfdcc1961ac409f36df49d2e3b5e8eab2bc48876d5595c","token_estimate":405,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"1.004\n\nAssignment\nReason\n\nAlways displays\n\nDisplays an allowable\nanswer from the\nDefinition /\nAdditional Guidance\ncolumn\n\nAssignment\nInformation\n•\n\nAssignment\nReason 2.000\n\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n\nConstruction\nDeed in Lieu\nHome Equity\nLoan Modification\nPortfolio Evaluation\nPreforeclosure\nPurchase\nRefinance\nREO\nShort Sale\nOther (Describe)\n\n1.005\n\nBorrower Name\n\nIf applicable\n\nFree-form\nRepeatable\n\n1.006\n\nCurrent Owner\nof Public Record\n\nAlways displays\n\nFree-form\nRepeatable\n\n1.007\n\nContract Price When Sales\n\nDollar amount\n\nContract\nInformation\nAnalyzed is Yes\n\n1.008\n\nListing Status\n\nAlways displays\n\nDisplays an allowable\nanswer from the\nDefinition /\nAdditional Guidance\ncolumn\n\nAssignment\nInformation\n•\n\nBorrower Name\n2.001\n\nAssignment\nInformation\n•\n\nCurrent Owner of\nPublic Record\n2.002\n\nSales Contract\n•\n\nContract Price\n20.004\n\nNotes:\n•\n•\n\nThe borrower can be a person or a legal entity.\nFor VA appraisals, reference the appropriate\ngovernment agency appraisal guidelines.\n\nNote: The current owner can be a person or a legal\nentity.\n\nThe dollar amount stated in the sales contract.\n\nSubject Listing\nInformation\n•\n\nCurrent or\nRelevant Listings\n19.000\nListing Status\n19.002 for most\nrecent listing\n\n•\n\n•\n•\n•\n•\n\n•\n•\n•\n•\n\nNone (Current or Relevant Listings is No)\nActive\nOff Market (previously in MLS)\nPending\n\nTraditional Appraisal\nHybrid Appraisal\nDesktop Appraisal\nExterior Appraisal\n\n1.010\n\nProperty\nValuation\nMethod\n\nAlways displays\n\nDisplays an allowable\nanswer from the\nDefinition /\nAdditional Guidance\ncolumn\n\nAssignment\nInformation\n•\n\nProperty\nValuation\nMethod 2.004\n\n1.011\n\nAppraiser Name Always displays\n"} diff --git a/chunks/json/3a90b85508fc3b5c29fd602c01c329ed6f2027c3871b61b9c2a509f956278978.json b/chunks/json/3a90b85508fc3b5c29fd602c01c329ed6f2027c3871b61b9c2a509f956278978.json new file mode 100644 index 0000000000000000000000000000000000000000..ef5c0b507b68d7290a19dbe7963234418e9b725f --- /dev/null +++ b/chunks/json/3a90b85508fc3b5c29fd602c01c329ed6f2027c3871b61b9c2a509f956278978.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1172708,"char_start":1170991,"chunk_id":"chk_cd86cdfc27ccd329","chunk_index":696,"chunk_sha256":"3a90b85508fc3b5c29fd602c01c329ed6f2027c3871b61b9c2a509f956278978","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3a90b85508fc3b5c29fd602c01c329ed6f2027c3871b61b9c2a509f956278978","token_estimate":430,"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']/COM\nPARISON_LOCATION_DETAIL_EXTENSION/COMPARISON_LOCA\nTION_DETAIL_EXTENSION_SECTION[@ExtensionSectionOrganization\nName='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\n*See field e-16 directly below.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM\nPARISON_LOCATION_DETAIL_EXTENSION/COMPARISON_LOCA\nTION_DETAIL_EXTENSION_SECTION[@ExtensionSectionOrganization\nName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_LOCATION_DETAIL_EXTENSION_SECT\nION_DATA/COMPARISON_LOCATION_DETAIL/.[@GSELocationType\n='Other']/@GSELocationTypeOtherDescription\n\n20\n\nString\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SAL\nE_PRICE_ADJUSTMENT[@_Type='Location']/@_Amount\n\n10\n\nMoney\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions\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, the\nappraiser must select 'Other' and enter a description of the location associated with\nthe property. Free-form descriptions should be entered carefully because data will be\ntruncated on the appraisal report form if it exceeds available space for that field.\n"} diff --git a/chunks/json/3a931e5118237c812914ee9a2c86807af1195f65e31f76d096f89b42b75b8fb7.json b/chunks/json/3a931e5118237c812914ee9a2c86807af1195f65e31f76d096f89b42b75b8fb7.json new file mode 100644 index 0000000000000000000000000000000000000000..624bd682af9d112340ae12c168832d6ba7e8d688 --- /dev/null +++ b/chunks/json/3a931e5118237c812914ee9a2c86807af1195f65e31f76d096f89b42b75b8fb7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":845268,"char_start":843558,"chunk_id":"chk_764f8efa8f1b2a60","chunk_index":502,"chunk_sha256":"3a931e5118237c812914ee9a2c86807af1195f65e31f76d096f89b42b75b8fb7","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3a931e5118237c812914ee9a2c86807af1195f65e31f76d096f89b42b75b8fb7","token_estimate":428,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Property 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='\nAdditionalFeatures']/@_Comment\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\n292\n\n2\n\ne-9\n\nUNIT\nIMPROVEMENTS\n\nDescribe the condition of the property\n(including apparent needed repairs,\ndeterioration, renovations, remodeling,\netc.)\n\nGSE Overall\nCondition Type\n\nThe overall condition rating of the\nproperty.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D\nETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex\ntensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEOverallConditionType\n\n2\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Improvements Section\n\nAllowable Values\nC1\nC2\nC3\nC4\nC5\nC6\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\nThis field must contain additional comments about the condition of the property.\n\n293\n\n294\n\n2\n\n2\n\n90\n\n91\n\nUNIT\nIMPROVEMENTS\n\nDescribe the condition of the property\n(including apparent needed repairs,\ndeterioration, renovations, remodeling,\netc.)\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/3a9d2a402765b9e3aa6639664b4cefc39c9ff4533821237d2de4bca645ef6044.json b/chunks/json/3a9d2a402765b9e3aa6639664b4cefc39c9ff4533821237d2de4bca645ef6044.json new file mode 100644 index 0000000000000000000000000000000000000000..e5b9bcf0b6901892c1139098386cc0823c429984 --- /dev/null +++ b/chunks/json/3a9d2a402765b9e3aa6639664b4cefc39c9ff4533821237d2de4bca645ef6044.json @@ -0,0 +1 @@ +{"chunk":{"char_end":809088,"char_start":807427,"chunk_id":"chk_9d8adcd59eedc3a1","chunk_index":480,"chunk_sha256":"3a9d2a402765b9e3aa6639664b4cefc39c9ff4533821237d2de4bca645ef6044","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3a9d2a402765b9e3aa6639664b4cefc39c9ff4533821237d2de4bca645ef6044","token_estimate":416,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Project Analysis\nAdditional Facilities\nFee Description\n\nA free-form text field describing the\nconditions, extent, and terms of the\nadditional fee not included in the standard\nproject fee (e.g. HOA fee).\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@\n_AdditionalFacilitiesFeeIndicator='N']\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/@\n_AdditionalFacilitiesFeeDescription\n\nCompared to other competitive projects\nof similar quality and design, the subject\nunit charge appears\nHigh\n\nProject Analysis\nCompetitive Project\nComparison Type\n\nSpecifies the type of competition the\nproject faces.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@\n_CompetitiveProjectComparisonType='High']\n\n1\n\n1\n\n4000\n\n1\n\n1\n\n4000\n\n7\n\nBoolean\n\nBoolean\n\nString\n\nBoolean\n\nBoolean\n\nString\n\nEnumerated\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nOne and only one of fields 2-17, 2-18\n(values of Project Analysis Budget\nAnalyzed Indicator) should be indicated.\n\nOne and only one of fields 2-17, 2-18\n(values of Project Analysis Budget\nAnalyzed Indicator) should be indicated.\n\nOne and only one of fields 2-20, 2-21\n(values of Project Analysis Additional\nFacilities Fee Indicator) should be indicated.\n\nOne and only one of fields 2-20, 2-21\n(values of Project Analysis Additional\nFacilities Fee Indicator) should be indicated.\n\nIf field 2-20 (Project Analysis Additional\nFacilities Fee Indicator = 'Y') is indicated a\ndescription should be populated.\n"} diff --git a/chunks/json/3a9f71144cdd601d39396ce15b3a5af88373ceae410f5e5a542870e6843eb50b.json b/chunks/json/3a9f71144cdd601d39396ce15b3a5af88373ceae410f5e5a542870e6843eb50b.json new file mode 100644 index 0000000000000000000000000000000000000000..d41131320d7c60bde2511a1827ef6d1fc514025c --- /dev/null +++ b/chunks/json/3a9f71144cdd601d39396ce15b3a5af88373ceae410f5e5a542870e6843eb50b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":850321,"char_start":848669,"chunk_id":"chk_242ffba89957b562","chunk_index":505,"chunk_sha256":"3a9f71144cdd601d39396ce15b3a5af88373ceae410f5e5a542870e6843eb50b","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3a9f71144cdd601d39396ce15b3a5af88373ceae410f5e5a542870e6843eb50b","token_estimate":413,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Property Analysis\nComment\n\nA free-form text field that holds the\nproperty analysis comments for the\nanalysis category specified by Property\nAnalysis Type.\n\nPRIOR SALE\nHISTORY\n\nPRIOR SALE\nHISTORY\n\nI did research the sale or transfer history\nof the subject property and comparable\nsales.\nI did not research the sale or transfer\nhistory of the subject property and\ncomparable sales.\n\nSales History\nResearched\nIndicator\nSales History\nResearched\nIndicator\n\nPRIOR SALE\nHISTORY\n\nI did not research the sale or transfer\nhistory of the subject property and\ncomparable sales. If not, explain.\n\nSales History Not\nResearched\nComment\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\nA free-form text field used to describe or\ncomment on why the sales or transfer\nhistory research of the subject property\nand comparable sales was not performed.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='C\nonformsToNeighborhood']/@_Comment\n\n4000\n\nString\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\nThis field should contain a description if the property does not generally conform to the\nneighborhood (functional utility, style, condition, use, construction, use, etc).\n\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/3aafbc12bd22bd04cfe79aa8cf068e1082e18194c8d6b03304932efdec1f6085.json b/chunks/json/3aafbc12bd22bd04cfe79aa8cf068e1082e18194c8d6b03304932efdec1f6085.json new file mode 100644 index 0000000000000000000000000000000000000000..ed709505336011fc6fef42977cda71c2e60afc2c --- /dev/null +++ b/chunks/json/3aafbc12bd22bd04cfe79aa8cf068e1082e18194c8d6b03304932efdec1f6085.json @@ -0,0 +1 @@ +{"chunk":{"char_end":469281,"char_start":467454,"chunk_id":"chk_fd74ef4cf5abc0a6","chunk_index":266,"chunk_sha256":"3aafbc12bd22bd04cfe79aa8cf068e1082e18194c8d6b03304932efdec1f6085","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"3aafbc12bd22bd04cfe79aa8cf068e1082e18194c8d6b03304932efdec1f6085","token_estimate":457,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"20.5 Reg §1026.38(n)(vii) p. 80036; §1026.37(j)(5) pp. 80119, 80346, 79973-4.\n\n20.6 Reg §1026.38(n)(viii) p. 80036; §1026.37(j)(6) pp. 80119, 80346-7, 79973-4.\n\n20.7 Reg §1026.38(n)(vi) p. 80036; §1026.37(j)(6) pp. 80119, 80346-79973-4.\n\nAppendix E: UCD Implementation Guide\n\nPage 217 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n20.0 Adjustable Interest Rate (AIR) Table\n\nAppendix E: UCD Implementation Guide\n\nPage 218 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n21.0 Loan Calculations\n\n21.0 LOAN CALCULATIONS\n\nThe Loan Calculations table is included in the following Closing Disclosure variations:\n\nTable 147. 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\n21.0\n\nLoan Calculation\n\n✓\n\n✓\n\n✓\n\nThe Loan Calculations table provides the results of the following five calculations related to the borrower’s cost\nof financing:\n\n21. 1 Total of Payments: Expressed as a dollar amount, with the statement, “Total you will have paid after you\nmake all payments of principal, interest, mortgage insurance, and loan costs, as scheduled. ” The final rule\ndoes not allow this statement to be altered, regardless of the type of transaction.\n\n21. 2 Finance Charge: Expressed as a total dollar amount, with the statement, “The dollar amount the loan will\ncost you.” The finance charge represents the amount of credit of which the borrower has actual use. The\ndisclosed finance charge and other disclosures affected by the disclosed financed charge (including the\namount financed and the annual percentage rate) shall be treated as accurate if the amount disclosed as\nthe finance charge is understated by no more than $100; or is greater than the amount required to be\ndisclosed.\n"} diff --git a/chunks/json/3ab24de9dac4aa0c22138fcb9a810166bb8fc0fc4235f96b99345c17666586d4.json b/chunks/json/3ab24de9dac4aa0c22138fcb9a810166bb8fc0fc4235f96b99345c17666586d4.json new file mode 100644 index 0000000000000000000000000000000000000000..fef58bbdaa967379d7e1bd91f52d5a938c29fd01 --- /dev/null +++ b/chunks/json/3ab24de9dac4aa0c22138fcb9a810166bb8fc0fc4235f96b99345c17666586d4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8812,"char_start":7081,"chunk_id":"chk_1e07ac519c714ba7","chunk_index":4,"chunk_sha256":"3ab24de9dac4aa0c22138fcb9a810166bb8fc0fc4235f96b99345c17666586d4","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e850234b5f802a10","text_sha256":"3ab24de9dac4aa0c22138fcb9a810166bb8fc0fc4235f96b99345c17666586d4","token_estimate":432,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fraud_Prevention___FHFA_zbisx.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 - [Programs](/programs)\n - Fraud Prevention\n\nProgram\n\n# Fraud Prevention\n\nMortgage fraud is characterized by a material misstatement, misrepresentation, or omission in relation to a mortgage loan, which is then relied upon by a lender. Mortgage fraud is a criminal offense investigated and prosecuted by law enforcement. Civil and criminal penalties for mortgage fraud at the state and federal level can be severe and may include convictions​​ and prison time, restitution payments, state fines, and/or probation.\n"} diff --git a/chunks/json/3ac1c833d625aa3735053c936bf503957a8b43ed5a5c5813bf068d1f4ece5776.json b/chunks/json/3ac1c833d625aa3735053c936bf503957a8b43ed5a5c5813bf068d1f4ece5776.json new file mode 100644 index 0000000000000000000000000000000000000000..cf348324558b0cf4a5d063253feea190b65ddce5 --- /dev/null +++ b/chunks/json/3ac1c833d625aa3735053c936bf503957a8b43ed5a5c5813bf068d1f4ece5776.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9711,"char_start":8081,"chunk_id":"chk_2643b6c01969958b","chunk_index":5,"chunk_sha256":"3ac1c833d625aa3735053c936bf503957a8b43ed5a5c5813bf068d1f4ece5776","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_3c01f0202cf532fe","text_sha256":"3ac1c833d625aa3735053c936bf503957a8b43ed5a5c5813bf068d1f4ece5776","token_estimate":408,"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":"AssessorUnformattedIdentifier\n\nZ-495-2\n\n640\n\nWood\n\nDeck\n\nDeck 1 and Deck 2\n\n\\\\Images\\SF3_Decks.png\n\nimage/png\n\n160\n\nWood\n\nDeck\n\nDeck 1 and Deck 2\n\n\\\\Images\\SF3_Decks.png\n\nimage/png\n\n1200\n\nConcrete\n\nPatio\n\n\\\\Images\\SF3_Patio.png\n\nimage/png\n\n300\n\nConcrete\n\nPorch\n\n\\\\Images\\SF3_Porch.png\n\nimage/png\n\nOutdoorLiving\n\nConcrete\n\nIngroundPool\n\n\\\\Images\\SF3_IngroundPool.png\n\nimage/png\n\nHeated\n\nWaterFeatures\n\n1\n\nIndoorFireplace\n\n\\\\Images\\SF3_IndoorFireplace.png\n\nimage/png\n\n1\n\nWoodStove\n\n\\\\Images\\SF3_WoodStove.png\n\nimage/png\n\nWholeHome\n\n1\n\nDetached\n\n1\n\ntrue\n\n1\n\nfalse\n\nfalse\n\nC4\n\nQ4\n\ntrue\n\ntrue\n\nFeeSimple\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\nTraditionalAppraisal\n\ntrue\n\ntrue\n\nfalse\n\nfalse\n\n770000\n\n2019-08-20\n\ntrue\n\ntrue\n\nTypicallyMotivated\n\n2013-01-24\n\n600000\n\nSale\n\nTypicallyMotivated\n\nNone\n\ntrue\n\ntrue\n\ntrue\n\ntrue\n\ntrue\n\nAsphalt\n\nLocal\n\ntrue\n\nPublicStreet\n\nfalse\n\nfalse\n\nfalse\n\nNone\n\nPastures and crop lands\n\nBordering\n\nAgricultural\n\nNeutral\n\n14.19\n\n1\n\nPublic\n\nElectricity\n\nSubject has solar power but has also maintained connection to public electrical lines.\n\nNonPublic\n\nElectricity\n\nNeutral\n\nSolar\n\nfalse\n\nNonPublic\n\nSanitarySewer\n\nNeutral\n\nSeptic\n\nfalse\n\nNonPublic\n\nWater\n\nNeutral\n\nfalse\n\nWell\n\nBeneficial\n\ntrue\n\nFull\n\nPastoral\n\nResidential-Agricultural 10+ Acres\n\nRA-10\n\nLegal\n\n35361 Place Rd\n\nOut There\n\n56789\n\nVA\n\nDriveway\n\nGravel\n\n6\n\nfalse\n\nAttached\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\n0\n\nLivingUnitStandardFinishedAreaAboveGrade\n\nComp1 Primary\n\n-9480\n\nLivingUnitStandardFinishedAreaBelowGrade\n\nComp1 Primary\n\n4420\n\nLivingUnitUnfinishedAreaBelowGrade\n"} diff --git a/chunks/json/3ac4c5dea8ab41c7387f8b84f2050beb430606aa36157d6a50624d185ca0c4c3.json b/chunks/json/3ac4c5dea8ab41c7387f8b84f2050beb430606aa36157d6a50624d185ca0c4c3.json new file mode 100644 index 0000000000000000000000000000000000000000..3524e127f2de483545206c4d96cb4027e5e30c4d --- /dev/null +++ b/chunks/json/3ac4c5dea8ab41c7387f8b84f2050beb430606aa36157d6a50624d185ca0c4c3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1621,"char_start":0,"chunk_id":"chk_3431b8547dadb996","chunk_index":0,"chunk_sha256":"3ac4c5dea8ab41c7387f8b84f2050beb430606aa36157d6a50624d185ca0c4c3","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"3ac4c5dea8ab41c7387f8b84f2050beb430606aa36157d6a50624d185ca0c4c3","token_estimate":463,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"Uniform Loan Application Dataset (ULAD)\nData Relationships Using Xlink\nand MISMO Arcroles Document\n\nDocument Version 1.1\n\nMarch 27, 2018\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of\nthe Federal Housing Finance Agency.\n\n©2018 Fannie Mae and Freddie Mac. All Rights Reserved. MISMO® is a registered trademark of the Mortgage Industry Standards Maintenance\nOrganization.\n\nDocument Revisions\n\nDOCUMENT REVI SI ONS\n\nDate\n3/27/2018 Added ASSET is associated with ROLE, LIABILITY is associated with ROLE, and EXPENSE\n\nChange\n\nis associated with ROLE to the ULAD Xlink ArcRole section\n3/27/2018 Condensed COUNSELING_EVENT is associated with ROLE into one row\n\n3/27/2018 Modified the xlink:label for CURRENT_INCOME_ITEM from INCOME_ITEM_n to\n\nCURRENT_INCOME_ITEM_n in the ULAD Xlink Arcroles section and Appendix A (Code\nSample)\n\n3/27/2018 Modified Asset to Associated Liabilities under ULAD Xlink Arcroles section to read Asset\n\n(Owned Property) instead of Owned Property (Asset) because the relationship is from the Asset\ncontainer to the Liability container\n\n3/27/2018 Added Document Revisions table and updated page numbers in Table of Contents\n\nData Relationships Using Xlink and MISMO Arcroles\n\nPage 2 of 29\n\nVersion 1.1\n\nTable of Content\n\nTable Of Contents\n\nDocument Revisions ................................................................................................................. 2\n\nAcronyms and Abbreviations...................................................................................................... 4\n"} diff --git a/chunks/json/3ac985316f2e91aa34a626d03b9fe82a3259ab101e18e9129b6a747eaf21325b.json b/chunks/json/3ac985316f2e91aa34a626d03b9fe82a3259ab101e18e9129b6a747eaf21325b.json new file mode 100644 index 0000000000000000000000000000000000000000..756c559e68d1b08579293f33b36e508125261fc9 --- /dev/null +++ b/chunks/json/3ac985316f2e91aa34a626d03b9fe82a3259ab101e18e9129b6a747eaf21325b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11538,"char_start":10477,"chunk_id":"chk_dea5724e13fe63af","chunk_index":6,"chunk_sha256":"3ac985316f2e91aa34a626d03b9fe82a3259ab101e18e9129b6a747eaf21325b","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bf77b94d152cdbdc","text_sha256":"3ac985316f2e91aa34a626d03b9fe82a3259ab101e18e9129b6a747eaf21325b","token_estimate":265,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2019.pdf"]},"text":"1=American Indian or Alaska Native; 2=Asian; 3=Black\nor African American; 4=Native Hawaiian or other\nPacific Islander; 5=White; 6=Information not provided;\n7=Not Applicable (borrower is an institution,\ncorporation or partnership); 8=No Co-Borrower\n\n1=HOEPA: High-Cost Mortgage; 2=HOEPA: Not a High-\nCost Mortgage; 3=Not subject to HOEPA\n1=Secured by first lien; 2=Secured by a subordinate\nlien; 3=Not secured by a lien; 4=Not Applicable\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\n\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\n\nRent4\nRentUT1\nRentUT2\nRentUT3\nRentUT4\nSpcHSGGoals\nTractRat\n\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\nRemoved For 2019\n"} diff --git a/chunks/json/3adcd67fc44733ca1658ae5579065d528abb80e20b6e71dab49029b9adfde110.json b/chunks/json/3adcd67fc44733ca1658ae5579065d528abb80e20b6e71dab49029b9adfde110.json new file mode 100644 index 0000000000000000000000000000000000000000..051d682533049b1d1fb022dae8b04f35af28e67f --- /dev/null +++ b/chunks/json/3adcd67fc44733ca1658ae5579065d528abb80e20b6e71dab49029b9adfde110.json @@ -0,0 +1 @@ +{"chunk":{"char_end":94446,"char_start":92803,"chunk_id":"chk_addc78b38fe4bada","chunk_index":87,"chunk_sha256":"3adcd67fc44733ca1658ae5579065d528abb80e20b6e71dab49029b9adfde110","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"3adcd67fc44733ca1658ae5579065d528abb80e20b6e71dab49029b9adfde110","token_estimate":411,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"29.059\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\n29.060\n\n5. The assignment information regarding the scope of inspection by the Supervisory Appraiser is correct.\n\n29.071\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\n29.072\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\n29.073\n\n8. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the\nAppraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was transmitted.\n\n29.074\n\n9. 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/3ae95316c2628c44353c6299b0fa8ddec2652c86e9618ff5b9cc5bbf74351443.json b/chunks/json/3ae95316c2628c44353c6299b0fa8ddec2652c86e9618ff5b9cc5bbf74351443.json new file mode 100644 index 0000000000000000000000000000000000000000..d58a3fe9e1fa5db53b14b6cefb78f4b5a82a4b6b --- /dev/null +++ b/chunks/json/3ae95316c2628c44353c6299b0fa8ddec2652c86e9618ff5b9cc5bbf74351443.json @@ -0,0 +1 @@ +{"chunk":{"char_end":29759,"char_start":28067,"chunk_id":"chk_caff25eaf284cde6","chunk_index":17,"chunk_sha256":"3ae95316c2628c44353c6299b0fa8ddec2652c86e9618ff5b9cc5bbf74351443","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e27a00af35fdbad9","text_sha256":"3ae95316c2628c44353c6299b0fa8ddec2652c86e9618ff5b9cc5bbf74351443","token_estimate":423,"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 16 of 22\n\nSales Comparison Approach (continued)\n\nSubject Property\n\nComparable #4\n\nComparable #5\n\n1234 Anywhere Pl\nAnywhere, MD 20854\n\n2134 Nothing Hill Pl\nAnywhere, MD 20854\n\n7890 Some Pl\nAnywhere, MD 20854\n\nDeck| Deck\n\nDeck | Deck\n\nDeck | Deck\n\nElevator | Indoor Fireplace - 1\n\nElevator | Indoor\nFireplace - 3\n\n$(4,000)\n\nElevator | Indoor\nFireplace - 1\n\nProperty Address\n\nProperty Amenities\n\nOutdoor Living\n\nWhole Home\n\nVehicle Storage\n\nType | Spaces | Detail\n\nGarage | 2 | Built-in 648 Sq. Ft.\n\nGarage | 2 | Built-in\n\nGarage | 2 | Built-in\n\nSummary\n\nList Price\n\nContract Price\n\nSale Price\n\nNet Adjustment Total\n\nPrice Per Finished\nArea Above Grade\n\nAdjusted Price\n\nComparable Weight\n\n$875,000\n\n$866,000\n\n$880,000\n\n$880,000\n\n—\n\n$7,000\n\n$256\n\n$887,000\n\nMost\n\n$890,000\n\n$880,000\n\n—\n\n$11,000\n\n$256\n\n$891,000\n\nMost\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$880,000\n\nReconciliation of Sales Comparison Approach\n\nComparables #1, #2, #4, and #5 were given the most weight based on proximity and similarities to the subject. Comparables #4 and #5 are\nunder contract and included as additional support for the value estimate. The contract price was verified with the agent for both comparables\n#4 and #5.\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 17 of 22\n\nSales Comparison Approach (continued)\n\nPG BRK\n\nSales Comparison Map\n\nThis is where the Comparable Sales Map image 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/3af17fb193fb9e340e68646b112b74029a053da8c2b54cae7846e74f3dc87794.json b/chunks/json/3af17fb193fb9e340e68646b112b74029a053da8c2b54cae7846e74f3dc87794.json new file mode 100644 index 0000000000000000000000000000000000000000..a490827b64e9ee7bbc86a98190709c411e76779f --- /dev/null +++ b/chunks/json/3af17fb193fb9e340e68646b112b74029a053da8c2b54cae7846e74f3dc87794.json @@ -0,0 +1 @@ +{"chunk":{"char_end":76691,"char_start":75065,"chunk_id":"chk_d5e00f908e8b4f32","chunk_index":24,"chunk_sha256":"3af17fb193fb9e340e68646b112b74029a053da8c2b54cae7846e74f3dc87794","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"3af17fb193fb9e340e68646b112b74029a053da8c2b54cae7846e74f3dc87794","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Settlement Agent\n\nIf any data is present in the Seller DOCUMENT container, it will be checked for validity against the MISMO v3.3.0\nschema along with the entire XML document. The Closing Disclosure PDF file is not required.\n\nb. FOR MORE I NFORMATION\n\nReg §1026.19(f)(4) pp. 80328, 79889-91.\n\nReg §1026.38(j)-1 pp. 80021, 80356.\n\nReg §1026. 38(t)(5)(v-vii) pp. 80129, 80055-6.\n\nSample Form: H-25-I pp. 80202-80204.\n\nGSE Seller Data Requirements:\n\nhttp://www.freddiemac.com/singlefamily/news/2018/0626_gse_ucd_requirements.html\n\nC. ALTERNATE FORM\n\nThe term Alternate Form is used to refer to H–25(E) Mortgage Loan Transaction Closing Disclosure—Refinance\nTransaction Sample in the Regulation. Exhibit H-25(E) illustrates all possible sections of the form. In UCD, the\nAlternate Form must always be used for Non-Seller transactions.\n\nOn the Alternate Form, 6.2.2 Non-Seller Transaction is added to the disclosure of 6.2 Cash to Close in 6.0 Costs\nat Closing to indicate whether the amount is due to or from the borrower. 11.0 – 16.0 Summaries of\nTransactions are not required, and instead, 25.0 Payoffs and Payments must be included. The 10.A Alternative\nCalculating Cash To Close Table replaces the lengthier Cash to Close Table (10.0).\n\n1. FOR MORE I NFORMATI ON\n\nReg §1026.38(t)(5)(vii) p. 80129-30.\n\nSample Form: H-25(J), pp.80205-17.\n\nAppendix E: UCD Implementation Guide\n\nPage 18 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nIV. UCD Data Point Categories\n\nIV. UCD DATA POINT CATEGORIES\n\nThere are three categories of data points in UCD:\n\nA. Closing Disclosure Data Points support each form field on the Closing Disclosure\n"} diff --git a/chunks/json/3af364c0998efc8ef2deffa441ffca2106dda2395ddc6438d421301fbbafea2f.json b/chunks/json/3af364c0998efc8ef2deffa441ffca2106dda2395ddc6438d421301fbbafea2f.json new file mode 100644 index 0000000000000000000000000000000000000000..f9029ae7d88d427be0087fe6548d8ca995fed385 --- /dev/null +++ b/chunks/json/3af364c0998efc8ef2deffa441ffca2106dda2395ddc6438d421301fbbafea2f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":40158,"char_start":38558,"chunk_id":"chk_710775ed1eb423de","chunk_index":16,"chunk_sha256":"3af364c0998efc8ef2deffa441ffca2106dda2395ddc6438d421301fbbafea2f","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"3af364c0998efc8ef2deffa441ffca2106dda2395ddc6438d421301fbbafea2f","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Examples of all supported values for an enumerated data point. A small representative sample of values for\nenumerated data points is provided to illustrate how a container repeats.\n\nExamples of every possible use case. The most common business scenarios for the data are discussed in the\nchapter; edge cases are not described.\n\n4. UCD XML FILE SNIPPETS\n\nAn illustration of the data presented in both the CD data rendering (if applicable) and UCD v2.0 excerpt as it should appear\nin a well-formed XML file closes each chapter. The sample values are in green bold text. The XML file snippets do not represent\nthe full XPath to the subject data points. Each snippet starts and ends with MESSAGE. The “…” are used to indicate missing\nsegments of the XPath:\n\n\n…\n\nApplicable snippet\n\n…\n\n\nIf the full expression of a container or data point value exceeds one line, the line will break immediately after the delivered\nvalue closing bracket, for example, “>value<”. The next character “/” begins the second line.\n\nUCD v2.0 Implementation Guide\n\n- 7 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nII. I-Guide Format\n\nFive complete UCD v2.0 test suites comprising a narrative scenario, completed CD and supporting XML instance are\n\navailable from each GSE’s UCD webpage.\n\nC. DOCUMENTATION CONVENTIONS\n\nThe following typefaces and colors are used throughout this document:\n\n1. Document titles are represented in italics, for example: I-Guide, UCD v2.0.\n\n2. I-Guide section and chapter names and table and figure headings are represented between double quotation marks: “UCD\n\nData Point Categories”.\n"} diff --git a/chunks/json/3af447bbd09fd43ba9dcaad78c654925370b945321e454fb91145a6e8c99410e.json b/chunks/json/3af447bbd09fd43ba9dcaad78c654925370b945321e454fb91145a6e8c99410e.json new file mode 100644 index 0000000000000000000000000000000000000000..eaeaca35c9d47430760abb3d8b213b11e7a7db3a --- /dev/null +++ b/chunks/json/3af447bbd09fd43ba9dcaad78c654925370b945321e454fb91145a6e8c99410e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":19403,"char_start":17787,"chunk_id":"chk_4aa2bce2243ff817","chunk_index":11,"chunk_sha256":"3af447bbd09fd43ba9dcaad78c654925370b945321e454fb91145a6e8c99410e","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b28a85df80ca57ef","text_sha256":"3af447bbd09fd43ba9dcaad78c654925370b945321e454fb91145a6e8c99410e","token_estimate":404,"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":"0 Sq. Ft.\n0 Sq. Ft.\n704 Sq. Ft.\n0 Sq. Ft.\nAssessor Record\nMLS\nPhysical Measurement\n\nYes\nAssessor Record\nYes\nExterior Access Only\nNo\n\nYes No\n \n\nGrade Level Detail\nPartially Below Grade\nExterior Access Only\nWalk Out\n\nFinish\nFinished\n\nArea\n704 Sq. Ft.\n\nRoom Summary\n1 - Bath - Full\n1 - Bedroom\n1 - Kitchen\n1 - Living Room\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 B1\n\nBath - Full\nLevel B1\n\nUpdate Status\nFully Updated\n\nTime Frame\n5-10 years\n\nFully Updated\n\n5-10 years\n\nOverall Update Status for\nBathrooms\n\nFully Updated\n\nQuality Comment\nStandard builder grade\ncabinets, materials, and\nappliances\n\nStandard builder grade\ncabinets, materials, and\nappliances\n\nCondition Status\nTypical Wear and Tear\n\nCondition Comment\nNo damage or condition\nissues noted.\n\nTypical Wear and Tear\n\nNo damage or condition\nissues noted.\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 10 of 22\nPage 10 of 22\n\nUnit Interior - ADU (continued)\n\nInterior Features\n\nFeature\nFlooring\n\nDetail\nCeramic Tile\n\nLaminate\n\nWalls and Ceiling\n\n8 Ft. | Flat\n\nOverall Update Status for\nFlooring\n\nFully Updated\n\nQuality Comment\nStandard grade - meets\nmarket expectations for this\ntype of unit.\n\nStandard grade - meets\nmarket expectations for this\ntype of unit.\n\nStandard grade - meets\nmarket expectations for this\ntype of unit.\n"} diff --git a/chunks/json/3af5168f2496c570839244a79c58a476c68caec404dc386cc6a6e1ddbda012c2.json b/chunks/json/3af5168f2496c570839244a79c58a476c68caec404dc386cc6a6e1ddbda012c2.json new file mode 100644 index 0000000000000000000000000000000000000000..58ea9d5a0fdff0e92536c654f40b4ac220676b68 --- /dev/null +++ b/chunks/json/3af5168f2496c570839244a79c58a476c68caec404dc386cc6a6e1ddbda012c2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":424346,"char_start":422712,"chunk_id":"chk_ae12c3723bea93dc","chunk_index":330,"chunk_sha256":"3af5168f2496c570839244a79c58a476c68caec404dc386cc6a6e1ddbda012c2","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"3af5168f2496c570839244a79c58a476c68caec404dc386cc6a6e1ddbda012c2","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\nPage 333\n\nReplacement or Reproduction Cost for Each Outbuilding\n\nInformation displays for each outbuilding:\n\n• Area Type - ReplacementOrReproductionCostAreaType (UID: 1100.0060, FID: 25.024) - this indicates the area to reproduce or replace.\n\nThe selection made from the enumerated list will become the row header.\n\no Each area indicated displays on a separate row.\n\no\n\nIf multiple areas, display the area with the highest dollar amount first.\n\nNote: While not an enumerated value, display Garage as an option for Area Type. In the XML the\n\nReplacementOrReproductionCostAreaType = “Other” and\nReplacementOrReproductionCostAreaTypeOtherDescription = “Garage”.\n\n• Area Size - ReplacementOrReproductionCostAreaMeasure (UID: 1100.0057, FID: 25.025) is required for each area type and displays in\n\nthe center column before “@”.\n\no This value must include the unit of measure (Sq. Ft.) – UnitOfMeasureType\n\n• Replacement or Reproduction Cost per Unit of Measure - PricePerAreaAmount (UID: 1100.0058, FID: 25.026) is after “@” and indicates\n\nthe cost per square foot.\n\n• Area Type Cost - ReplacementOrReproductionCostAmount (UID: 1100.0059, FID: 25.027) is the total cost for the line item.\n\no Calculated: Area Size - ReplacementOrReproductionCostAreaMeasure (UID: 1100.0057, FID: 25.025) multiplied by\nReplacement or Reproduction Cost per Unit of Measure - PricePerAreaAmount (UID: 1100.0058, FID: 25.026)\n\nDepreciated Cost – Outbuilding\n\n• The itemized depreciation (6 data points) or the total depreciation is required for each dwelling:\n\no\n\nItemized depreciation (percent and dollar amount)\n"} diff --git a/chunks/json/3af7040b86b9e559c1f1b6a7243c68d178875ca37fa61c20386c7b5813ee54f3.json b/chunks/json/3af7040b86b9e559c1f1b6a7243c68d178875ca37fa61c20386c7b5813ee54f3.json new file mode 100644 index 0000000000000000000000000000000000000000..1c211be06cfbb4cd87b914220820241d94b67d08 --- /dev/null +++ b/chunks/json/3af7040b86b9e559c1f1b6a7243c68d178875ca37fa61c20386c7b5813ee54f3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1170989,"char_start":1169389,"chunk_id":"chk_16670498e773c731","chunk_index":695,"chunk_sha256":"3af7040b86b9e559c1f1b6a7243c68d178875ca37fa61c20386c7b5813ee54f3","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3af7040b86b9e559c1f1b6a7243c68d178875ca37fa61c20386c7b5813ee54f3","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"CR\n\nCR\n\nR\n\nCR\n\nCR\n\nCR\n\nR\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 194 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\n293\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 associated\nwith the property.\n\n294\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\n295\n\n296\n\n297\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\nLeasehold/Fee Simple\n\nSale Price\nAdjustment\nDescription\n\nLeasehold/Fee Simple\nAdjustment\n\nSale Price\nAdjustment Amount\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\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"} diff --git a/chunks/json/3b0287b7e53499fcf6854a4136115b465844d54205ee930203e1ca47888328cb.json b/chunks/json/3b0287b7e53499fcf6854a4136115b465844d54205ee930203e1ca47888328cb.json new file mode 100644 index 0000000000000000000000000000000000000000..94988ff9dd0bb7e153bda9d885c70fb8707fcbcd --- /dev/null +++ b/chunks/json/3b0287b7e53499fcf6854a4136115b465844d54205ee930203e1ca47888328cb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":186526,"char_start":184903,"chunk_id":"chk_65583b356aa746da","chunk_index":108,"chunk_sha256":"3b0287b7e53499fcf6854a4136115b465844d54205ee930203e1ca47888328cb","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"3b0287b7e53499fcf6854a4136115b465844d54205ee930203e1ca47888328cb","token_estimate":406,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Level 1 - Kitchen\n\nLevel 1 - Mudroom\n\nThis is where the Kitchen photo would display.\n\nThis is where the Mudroom photo would display.\n\nLevel 1 - Office\n\nThis is where the Office photo would display.\n\nFunctional Obsolescence\n\nFunctional Issues\n\nNone\n\nVehicle Storage\n\nStorage\nDriveway\n\nGarage\n\nNumber of Parking Spaces\n4\n\n3\n\nDetail\nAsphalt\n\nAttached\n626 Sq. Ft.\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\nNone\n\nAppraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)\n\nUniform Residential Appraisal Report\n\nPage 10 of 24\nPage 10 of 24\n\nSubject Property Amenities\n\nAmenity Category\nOutdoor Living\n\nSubject Property Amenity\nPatio\n\nWhole Home\n\nPorch\n\nIndoor Fireplace\n\nMaterial\nConcrete\n\nComposite\n\nDetail\n120 Sq. Ft.\n\n92 Sq. Ft.\n\nTotal Number - 2\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities)\n\nNone\n\nSubject Property Amenities Commentary\n\nThe subject amenities are typical for a home of this quality and from this market. If necessary, any differences have been addressed in the sales\ncomparison grid.\n\nSubject Property Amenities Exhibits\n\nIndoor Fireplace - Living Room Fireplace\n\nIndoor Fireplace - Bedroom Fireplace\n\nThis is where the Indoor Fireplace 1 photo would display.\n\nThis is where the Indoor Fireplace 2 photo would display.\n\nPatio\n\nPorch\n\nThis is where the Patio photo would display.\n\nThis is where the Porch photo would display.\n\nOverall Quality and Condition\n\nOverall Quality\n\nExterior Quality\nInterior Quality\n\nQ3\nQ3\nQ3\n\nOverall Condition\n\nExterior Condition\nInterior Condition\n"} diff --git a/chunks/json/3b0db4a7ae1e340ad660cd7ec7cf31e59ddc71ba543bd627e41a26095d9a6c64.json b/chunks/json/3b0db4a7ae1e340ad660cd7ec7cf31e59ddc71ba543bd627e41a26095d9a6c64.json new file mode 100644 index 0000000000000000000000000000000000000000..631e8f9cc907452c22f4e2009d6a5161b5c7b42a --- /dev/null +++ b/chunks/json/3b0db4a7ae1e340ad660cd7ec7cf31e59ddc71ba543bd627e41a26095d9a6c64.json @@ -0,0 +1 @@ +{"chunk":{"char_end":168911,"char_start":167269,"chunk_id":"chk_5993b37fdbb8494d","chunk_index":98,"chunk_sha256":"3b0db4a7ae1e340ad660cd7ec7cf31e59ddc71ba543bd627e41a26095d9a6c64","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"3b0db4a7ae1e340ad660cd7ec7cf31e59ddc71ba543bd627e41a26095d9a6c64","token_estimate":411,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Property Has Private Access Rights to the Body of Water: Indicates whether the\nproperty has private access to the associated body of water.\n\nThis represents private access from the property only, either through a\ncommunity buffer or exclusive to the property. Do not select Yes to report on\npublic, community, or project waterfront access and amenities.\n\nFor All Private Water Frontage on the Property\n\nThis subsection includes information about all private water frontage on the property.\n\nReport\nField ID\n\n4.031\n\nSite: Information for all Private Water Frontage on the Property\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nTotal Linear\nMeasurement\n\nRequired if Property\nHas Private Access\nRights to the Body of\nWater is Yes for one or\nmore bodies of water\n\nNumber of feet or\nmeters\n\nWater Frontage Total Length: The approximate total linear measurement of all\nwaterfront with private access, measured in front footage.\n\nAppendix F-1: URAR Reference Guide\n\nPage 65 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nSite: Information for all Private Water Frontage on the Property\n\nReport\nField ID\n\n4.032\n\nReport Label\n\nWhen to Include\n\nPermanent\nWaterfront\nFeature\n\nRequired if Property\nHas Private Access\nRights to the Body of\nWater is Yes for one or\nmore bodies of water\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from\ntable (Permanent\nWaterfront\nFeature)\n\nDefinition / Additional Guidance\n\nA permanent feature in or alongside a body of water.\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n\nNone\nBeach\nBoat Lift\nBoat Ramp\nBoat Slip\nDock\nPier\nRiprap\nSeawall or Bulkhead\nOther (Describe)\n"} diff --git a/chunks/json/3b17d17614b382b8598cc5c804a63858e4468d64280b2050fd0136fcf9aaca72.json b/chunks/json/3b17d17614b382b8598cc5c804a63858e4468d64280b2050fd0136fcf9aaca72.json new file mode 100644 index 0000000000000000000000000000000000000000..b1eb406ad1e0b7d270460cc564f203c209a8e774 --- /dev/null +++ b/chunks/json/3b17d17614b382b8598cc5c804a63858e4468d64280b2050fd0136fcf9aaca72.json @@ -0,0 +1 @@ +{"chunk":{"char_end":147529,"char_start":145875,"chunk_id":"chk_9e93add4dacdf7cd","chunk_index":83,"chunk_sha256":"3b17d17614b382b8598cc5c804a63858e4468d64280b2050fd0136fcf9aaca72","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"3b17d17614b382b8598cc5c804a63858e4468d64280b2050fd0136fcf9aaca72","token_estimate":414,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Enumerated List\n\nThe set of valid values for any data point ending in the word “Type.”\n\nEnumeration\n\nGSE\n\nA single valid value for any data point ending in the word “Type.” Can also\nbe called an enumerated value, or a valid value.\n\nA Government-Sponsored Enterprise, implying either Freddie Mac or Fannie\nMae.\n\nGSE-specific\nImplementation Guide\nfor Loan Delivery Data\n\nInformation about each GSE’s business policies, processes, or delivery data\nrequirements specific to the GSE’s loan delivery application, and the GSE’s\nspecific usage of the ULDDS, including GSE-specific conditionality,\ncardinality, and valid values.\n\nGSE loan delivery\napplications\n\nLoan Delivery Dataset\n\nFannie Mae’s Loan Delivery application and Freddie Mac’s selling system.\n\nThe data specification portion of the ULDDS documented in Appendix A-\nXML Data Requirements.\n\nMISMO Engineering\nGuidelines (MEG)\n\nTechnical specifications for the proper use of the MISMO standard published\non MISMO’s Web site.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 66 of 76\n\nSection VII. Glossary\n\nTerm\n\nDefinition\n\nMISMO Logical Data\nDictionary\n\nA list of all the elements included in the V3.0 Reference Model, including\ntheir definitions, and context.\n\nMISMO Version 3.0\nReference Model\n\nMISMO Version 3.0\nschema\n\nParent Container\n\nReusables\n\nAn XML schema document of data used in the single family real estate\nfinance industry. The V3.0 Reference Model establishes relationships\namong data across the mortgage life cycle.\n\nThe XML document representing the V3.0 Reference Model.\n"} diff --git a/chunks/json/3b21d6bbe63da05a717a07e7882218fc7d7ff550de811dc2cddfb54c4135aa76.json b/chunks/json/3b21d6bbe63da05a717a07e7882218fc7d7ff550de811dc2cddfb54c4135aa76.json new file mode 100644 index 0000000000000000000000000000000000000000..c89568aa0ddbbbf3afa88ad4d35599030f2c8e84 --- /dev/null +++ b/chunks/json/3b21d6bbe63da05a717a07e7882218fc7d7ff550de811dc2cddfb54c4135aa76.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8349,"char_start":6726,"chunk_id":"chk_fd68123529ed15c7","chunk_index":4,"chunk_sha256":"3b21d6bbe63da05a717a07e7882218fc7d7ff550de811dc2cddfb54c4135aa76","date_utc":"2026-01-27T18:32:50+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e76a6c2fd086fb77","text_sha256":"3b21d6bbe63da05a717a07e7882218fc7d7ff550de811dc2cddfb54c4135aa76","token_estimate":405,"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 3 of 21\nPage 3 of 21\n\nSite\n\nTotal Site Size\n\n14,950 Sq. Ft.\n\nNumber of Parcels\n\n1\n\nAssessor Parcel Number (APN)\n1234-56-7891-000\n\nAPN Description\nLand with Dwelling\n\nParcel Size\n14,950 Sq. Ft.\n\nZoning\n\nCompliance\nClassification Code\nClassification Code Description\n\nLegal\nR10\nResidential - 10 Dwelling Units\nper Acre\n\nProperty Use\n\nNon-Residential Use\n\nNone\n\nProperty Access\nPrimary Access\nStreet Type and Surface\nTypical for Market\n\nPublic Street\nLocal Road | Asphalt\nYes\n\nSite Influence\n\nInfluence\nResidential\n\nProximity\nBordering\n\nDetail\n\nImpact\nNeutral\n\nComment\nTypical residential\nsubdivision\n\nView and Impact to Value/Marketability\n\nView\nResidential\n\nRange of View\nFull\n\nImpact\nNeutral\n\nSite Features and Impact to Value/Marketability\n\nFeature\nHazard Zone\n\nSite Characteristic\n\nDetail\nNo Hazard Zone Noted\n\nTopography | Rolling\n\nUtilities and Impact to Value/Marketability\n\nBroadband Internet Available\n\nYes\n\nImpact\n\nComment\n\nAdverse\n\nSteep grade is less marketable.\n\nPrivate\n\nDetail\n\nPrivate Utility\nImpact\n\nComment\n\nElectricity\n\nGas\n\nSanitary Sewer\n\nWater\n\nPublic\n\n\n\n\n\nIf more\n\nthan 1\n\nUnit--\n\ndifferent\n\nset up\n\nApparent Defects, Damages, Deficiencies (Site)\n\nNone\n\nSite Exhibits\n\nProperty Access (Street Scene)\n\nThis is where the Property Access photo would display.\n\nAppraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 4 of 21\n\nEnergy Efficient and Green Features\n\nKnown Renewable Energy Components\nKnown Building Certifications\n"} diff --git a/chunks/json/3b242c0a006b500d659244a8d3fa3353704189e67948fd6e917ac1ebdae29018.json b/chunks/json/3b242c0a006b500d659244a8d3fa3353704189e67948fd6e917ac1ebdae29018.json new file mode 100644 index 0000000000000000000000000000000000000000..1654cb18ed6b540893d62fdc71219c3672083157 --- /dev/null +++ b/chunks/json/3b242c0a006b500d659244a8d3fa3353704189e67948fd6e917ac1ebdae29018.json @@ -0,0 +1 @@ +{"chunk":{"char_end":508170,"char_start":506549,"chunk_id":"chk_325c259aefba3877","chunk_index":301,"chunk_sha256":"3b242c0a006b500d659244a8d3fa3353704189e67948fd6e917ac1ebdae29018","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"3b242c0a006b500d659244a8d3fa3353704189e67948fd6e917ac1ebdae29018","token_estimate":405,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Subject Property\n•\n\nNumber of ADUs\non Subject\nProperty\n\nSales Comparable Data\nSource is only applicable\nto comparables\n\nNo\n\nNo\n\nNo\n\nNo\n\nProperty Photo\nPhoto of the property, typically the front.\nNote: Sales comparable photos are required and redisplay in Sales\nComparison Approach Exhibits with the Comparable #.\n\nNumber of ADUs on Property\nNotes:\n•\n•\n\nEnter zero (0) if there are no ADUs on the property.\nADUs may be in the dwelling, attached to the dwelling, or associated\nwith a separate building (outbuilding).\n\nAssessor Record\nBuilder or Developer\nCondominium Questionnaire\nCooperative Board\nCooperative Questionnaire\nData Aggregator\nExterior Inspection\nHomeowners Association\nInterior Inspection\nLand Survey\n\nSales Comparable Data Source\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n• MLS\n•\n•\n•\n•\n•\n\nPrevious Appraisal File\nProperty Management Company\nProperty Owner\nReal Estate Agent\nOther (Describe)\n\nAppendix F-1: URAR Reference Guide\n\nPage 220 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: General Information\n\n22.01.18 Data Source\n\nAlways\n\nRequired when Sales\nComparable Data\nSource is MLS, or if\napplicable for other\ndata sources\n\nFree-form\n\nData Source Identifier is\nonly applicable to\ncomparables\n\n22.01.19\n\nProximity to\nSubject\n\nAlways\n\nAlways required\n\n22.01.19\n\nProximity to\nSubject\n\nAlways\n\nRequired if Proximity\nto Subject is not 0\n\nNumber of miles\nor kilometers\n"} diff --git a/chunks/json/3b2fd056c96748f21bb87dd0e15c19d4749b15650042ae11b7cb479e6fe3b87c.json b/chunks/json/3b2fd056c96748f21bb87dd0e15c19d4749b15650042ae11b7cb479e6fe3b87c.json new file mode 100644 index 0000000000000000000000000000000000000000..655633a921bf698783776b7e14e1335b5cf71413 --- /dev/null +++ b/chunks/json/3b2fd056c96748f21bb87dd0e15c19d4749b15650042ae11b7cb479e6fe3b87c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1266257,"char_start":1264223,"chunk_id":"chk_9bcc1f00a109f43f","chunk_index":750,"chunk_sha256":"3b2fd056c96748f21bb87dd0e15c19d4749b15650042ae11b7cb479e6fe3b87c","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3b2fd056c96748f21bb87dd0e15c19d4749b15650042ae11b7cb479e6fe3b87c","token_estimate":509,"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\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\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\n448\n\n449\n\n450\n\n451\n\n452\n\n453\n\n454\n\n455\n\n456\n\n457\n\n458\n\n459\n\n460\n\n461\n\n462\n\n463\n\n464\n\n465\n\n4\n\n5\n\n5\n\n5\n\n5\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n5\n\n6\n\n7\n\n8a\n\n8b\n\n8c\n\n9\n\n10\n\n11\n\n4a\n\nHEADER\n\nBLANK\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\n2\n\n3\n\n4\n\nHEADER\n\nBLANK\n\nHEADER\n\nFile #\n\nHEADER\n\nBLANK\n\n4a\n\nHEADER\n\nBLANK\n\nAPPRAISER\nCERTIFICATION\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nName\nAppraiser\nCompany Name\n\nAppraiser\nAdditional File\nIdentifier\n\nReport Title\nDescription\n\nAppraiser File\nIdentifier\n\nAppraiser\nAdditional File\nIdentifier Name\n\nAppraiser\nAdditional File\nIdentifier\n\nReport Title\nDescription\n\nAppraiser File\nIdentifier\n\nAppraiser\nAdditional File\nIdentifier Name\n\nAppraiser\nAdditional File\nIdentifier\n\nAppraiser Name\n\nAppraiser Company\nName\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\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.\nThe name of the party that performed the\nappraisal of the property.\nThe name of the appraisal company that\nperformed the appraisal of the property.\n"} diff --git a/chunks/json/3b5144582393d141e9b68847f6dea576560b5bab265bf3aec6e1528709d344a9.json b/chunks/json/3b5144582393d141e9b68847f6dea576560b5bab265bf3aec6e1528709d344a9.json new file mode 100644 index 0000000000000000000000000000000000000000..2f90c7ba24589213ccb7fbb0d570cd2c443dd33c --- /dev/null +++ b/chunks/json/3b5144582393d141e9b68847f6dea576560b5bab265bf3aec6e1528709d344a9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":830209,"char_start":828605,"chunk_id":"chk_f2b93f838f18f8fb","chunk_index":493,"chunk_sha256":"3b5144582393d141e9b68847f6dea576560b5bab265bf3aec6e1528709d344a9","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3b5144582393d141e9b68847f6dea576560b5bab265bf3aec6e1528709d344a9","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='\nWoodStove']/@_Count\n\nUNIT\nIMPROVEMENTS\n\nAmenities\nDeck/Patio\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='\nDeck']/@_ExistsIndicator\n\nUNIT\nIMPROVEMENTS\n\nAmenities\nDeck/Patio Description\n\nUNIT\nIMPROVEMENTS\n\nAmenities\nPorch/Balcony\n\nUNIT\nIMPROVEMENTS\n\nAmenities\nPorch/Balcony Description\n\nAmenity Detailed\nDescription\n\nAmenity Exists\nIndicator\n\nAmenity Detailed\nDescription\n\nA free-form text field used to describe, in\ndetail, the amenity specified by Amenity\nType.\nIndicates that the amenity specified by\nAmenity Type is present in the structure.\nA free-form text field used to describe, in\ndetail, the amenity specified by Amenity\nType.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='\nDeck']/@_DetailedDescription\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='P\norch']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='P\norch']/@_DetailedDescription\n\nUNIT\nIMPROVEMENTS\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\nIMPROVEMENTS\n\nAmenities\nOther Description\n\nAmenity Type Other\nDescription\n\nUNIT\nIMPROVEMENTS\n\nApplicances\nRefrigerator\n\nUNIT\nIMPROVEMENTS\n\nApplicances\nRange/Oven\n\nUNIT\nIMPROVEMENTS\n\nApplicances\nDisp\n\nUNIT\nIMPROVEMENTS\n\nApplicances\nMicrowave\n\nUNIT\nIMPROVEMENTS\n\nApplicances\nDishwasher\n\nUNIT\nIMPROVEMENTS\n"} diff --git a/chunks/json/3b5d3009d6a2f59d2bf2b90c9f624ba5c7499515663a234e2e9f5bf82e9136c9.json b/chunks/json/3b5d3009d6a2f59d2bf2b90c9f624ba5c7499515663a234e2e9f5bf82e9136c9.json new file mode 100644 index 0000000000000000000000000000000000000000..98c85db3eb8b9e74efb0fcfbb51da0c9dd07f71a --- /dev/null +++ b/chunks/json/3b5d3009d6a2f59d2bf2b90c9f624ba5c7499515663a234e2e9f5bf82e9136c9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":444013,"char_start":442305,"chunk_id":"chk_51b8311b8f9fb93e","chunk_index":342,"chunk_sha256":"3b5d3009d6a2f59d2bf2b90c9f624ba5c7499515663a234e2e9f5bf82e9136c9","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"3b5d3009d6a2f59d2bf2b90c9f624ba5c7499515663a234e2e9f5bf82e9136c9","token_estimate":427,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"subject to the itemized list of required inspections below based on the extraordinary assumption that the condition or deficiency does not require\nalteration or repair\nsubject to the itemized list of repairs recommended below on the basis of a hypothetical condition that the repairs or alterations have been\ncompleted in a professional manner\n\nSubject to Completion Per Plans/Inspection/Repair\n\nWhen PropertyValuationConditionalConclusionType (UID: 1300.0010, FID: 26.009) = \"SubjectToCompletionPerPlans\" OR\n\"SubjectToInspection\" OR \"SubjectToRepair\":\n\n1. The statement begins with the text, “This appraisal is made”\n2. Followed by “Display Text” for the corresponding market value condition.\n\na. If there are multiple market value conditions, each “Display Text” is separated by “, and”\n\n3. End the sentence with a period.\n4. Add a final sentence, “This might have affected the assignment results.”\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nExamples\n\nExample of a singular market value: Subject to Completion Per Plans\n\nThis appraisal is made subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have\nbeen completed. This might have affected the assignment results.\n\nExample of two market values: Subject to Completion Per Plans and Subject to Repair\n\nThis appraisal is made subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have\nbeen completed, and subject to the itemized list of repairs recommended below on the basis of a hypothetical condition that the repairs or\nalterations have been completed in a professional manner. This might have affected the assignment results.\n"} diff --git a/chunks/json/3b5e9bc7d51235db7813dd0b6b70e7a77cff93c726fe6eb04f251daa3a623ec3.json b/chunks/json/3b5e9bc7d51235db7813dd0b6b70e7a77cff93c726fe6eb04f251daa3a623ec3.json new file mode 100644 index 0000000000000000000000000000000000000000..fa19f8c0aea8e5189f4beb53e1ce0746f40ac060 --- /dev/null +++ b/chunks/json/3b5e9bc7d51235db7813dd0b6b70e7a77cff93c726fe6eb04f251daa3a623ec3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":497178,"char_start":495518,"chunk_id":"chk_d11501261e331e87","chunk_index":292,"chunk_sha256":"3b5e9bc7d51235db7813dd0b6b70e7a77cff93c726fe6eb04f251daa3a623ec3","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3b5e9bc7d51235db7813dd0b6b70e7a77cff93c726fe6eb04f251daa3a623ec3","token_estimate":415,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/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\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U\nNIT_CHARGE[@_PeriodType='Annually']/@_PerSquareFootAmount\n\nIndicates that no utilities are included in\nthe Amount.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U\nNIT_CHARGE[@_PeriodType='Monthly' and\n@_NoUtilitiesIncludedInAssessmentIndicator='Y']\n\nIndicates that the utility specified in Unit\nCharge Utility Type is included in the fee\nreported in Unit Charge Amount.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U\nNIT_CHARGE[@_PeriodType='Monthly']/UNIT_CHARGE_UTILITY[@_Type=\n'Heating' and @_IncludedInAssessmentIndicator='Y']\n\n10\n\n10\n\n10\n\n1\n\n1\n\nMoney\n\nMoney\n\nMoney\n\nBoolean\n\nBoolean\n\nIf none, enter zero (0).\n\nIf none, enter zero (0).\n\nIf none, enter zero (0).\n\nIf field 2-20 (Project Analysis\nAdditional Facilities Fee Indicator =\n'Y') is indicated a description should be\npopulated.\n\nOne and only one of fields 2-23, 2-24,\n2-25 (values of Project Analysis\nCompetitive Project Comparison Type)\nshould be indicated.\n\nOne and only one of fields 2-23, 2-24,\n2-25 (values of Project Analysis\nCompetitive Project Comparison Type)\nshould be indicated.\n\nOne and only one of fields 2-23, 2-24,\n2-25 (values of Project Analysis\nCompetitive Project Comparison Type)\nshould be indicated.\n\nIf field 2-23 (Project Analysis\nCompetitive Project Comparison Type\n= 'High') or field 2-25 (Project Analysis\nCompetitive Project Comparison Type\n= 'Low') is indicated this field should be\npopulated.\n"} diff --git a/chunks/json/3b6bddc4fd5d3b06cac3d5b6f858c5b4da7d9119f5506df56feac182d133a953.json b/chunks/json/3b6bddc4fd5d3b06cac3d5b6f858c5b4da7d9119f5506df56feac182d133a953.json new file mode 100644 index 0000000000000000000000000000000000000000..48c216278101fab1a14690deb8cc28948286b354 --- /dev/null +++ b/chunks/json/3b6bddc4fd5d3b06cac3d5b6f858c5b4da7d9119f5506df56feac182d133a953.json @@ -0,0 +1 @@ +{"chunk":{"char_end":638806,"char_start":637009,"chunk_id":"chk_e8d3bb01a3f21ec9","chunk_index":367,"chunk_sha256":"3b6bddc4fd5d3b06cac3d5b6f858c5b4da7d9119f5506df56feac182d133a953","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"3b6bddc4fd5d3b06cac3d5b6f858c5b4da7d9119f5506df56feac182d133a953","token_estimate":449,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Appraiser Reference ID AA12346Client Reference ID D-124394AMC Reference ID A-1434525Completion Version #1Fannie Mae | Freddie Mac September 2024Completion Report Scenario – Per Plans and Specs (CR2)\n\nCompletion Report\n\nCompletion Report Exhibits (continued)\n\nBarn Floorplan\n\nPage 2 of 3\nPage 2 of 3\n\nAssignment Information\n\nBorrower Name\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\nBob Buyer\nBetty Buyer\n\nEmpty Bank\n200 Tree St\nSomewhere, VA 12346\n\nIDK Appraisal Management\nCompany\n300 Main Ave\nSomewhere, VA 12345\n\nAgatha Appraiser\nWAS Appraisal\n123 Main St\nNowhere, VA 12345\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nPhysical\nPhysical\n11/30/2019\n\nCredentials\n\nID\nState\nExpires\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nXYZ352032\nVA\n12/31/2021\n\nCertified Residential\nXYZ12345\nVA\n12/31/2019\n\nAppraiser Reference ID AA12346Client Reference ID D-124394AMC Reference ID A-1434525Completion Version #1Fannie Mae | Freddie Mac September 2024Completion Report Scenario – Per Plans and Specs (CR2)\n\nCompletion Report\n\nIntended Use\n\nPage 3 of 3\nPage 3 of 3\n\nThe intended use of this certification of completion is for the lender/client to confirm that the requirements or conditions stated in the\nappraisal report referenced above have been met.\n\nIntended User\n\nThe intended user of this appraisal report is the lender/client.\n\nCertifications\n\nAppraiser Certifications\n\nThe Appraiser certifies and agrees that:\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/3b6cf5e1af974fc3814e8946a6031fd5ba1b65ac78eee2299445adc0052ff6db.json b/chunks/json/3b6cf5e1af974fc3814e8946a6031fd5ba1b65ac78eee2299445adc0052ff6db.json new file mode 100644 index 0000000000000000000000000000000000000000..b48ec7ff265e1f286984514479d42e1ec62b0db1 --- /dev/null +++ b/chunks/json/3b6cf5e1af974fc3814e8946a6031fd5ba1b65ac78eee2299445adc0052ff6db.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13455,"char_start":11509,"chunk_id":"chk_62a47195089495d8","chunk_index":6,"chunk_sha256":"3b6cf5e1af974fc3814e8946a6031fd5ba1b65ac78eee2299445adc0052ff6db","date_utc":"2026-01-27T17:48:00+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f7353ddc84098f76","text_sha256":"3b6cf5e1af974fc3814e8946a6031fd5ba1b65ac78eee2299445adc0052ff6db","token_estimate":487,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Website_Privacy_Policy___FHFA_m6ybii.md"]},"text":"## 3. Website Measurement and Customization Technologies (e. g. Cookies) Policy****\n\nFHFA uses web measurement and customization technologies, commonly known as “cookies,” to collect information about user visits to our site. Use of these technologies makes our website function better for you and allows us to better understand how the public is using the website. Cookies are files placed on your hard drive by a website that allows the website to monitor your use of that site, usually without your express knowledge. Some cookies collect personal information to recognize your computer in the future. We **do not** use these types of cookies on our website. Instead, we use non-persistent cookies or “per-session cookies,” which are also known as “Tier 1 web measurement and customization technologies.” These types of “cookies” do not collect personal information on users and they are not stored on your computer's hard drive. These types of “cookies” are stored only in your computer's memory during an active browser session. They are deleted or erased as soon as you close your browser after visiting our website.\n\nFHFA uses a third-party analytics provider (currently Google Analytics) to analyze the data collected through the non-persistent cookies or per-session cookies. Google Analytics does not receive personally identifiable information through these cookies and does not combine, match, or cross-reference fhfa.gov information with any other information. The data is automatically sent from a cookie on your machine or device to Google Analytics’ system, which immediately aggregates that data. The cookie and any data related to a particular visit to our website are deleted from your computer immediately after you close your browser. FHFA uses the aggregated data for internal purposes and discloses it to FHFA employees and contractors who have a “need-to-know” this information in the performance of their official duties.\n"} diff --git a/chunks/json/3b717a9adf2910c5d735c79591dadd74f34c9e33af8af74856a21c733ec2010b.json b/chunks/json/3b717a9adf2910c5d735c79591dadd74f34c9e33af8af74856a21c733ec2010b.json new file mode 100644 index 0000000000000000000000000000000000000000..9f5b6e48d8d74726708f4a0b30800a91b9e1b268 --- /dev/null +++ b/chunks/json/3b717a9adf2910c5d735c79591dadd74f34c9e33af8af74856a21c733ec2010b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":77733,"char_start":76135,"chunk_id":"chk_d3bdce1c352ce9f0","chunk_index":78,"chunk_sha256":"3b717a9adf2910c5d735c79591dadd74f34c9e33af8af74856a21c733ec2010b","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"3b717a9adf2910c5d735c79591dadd74f34c9e33af8af74856a21c733ec2010b","token_estimate":400,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"29.013\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\nStatement of Assumptions and Limiting Conditions\n\n29.014\n\nThe appraiser assumes that the title is good and marketable unless he or she becomes aware of information to the contrary.\n\n29.015\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\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"} diff --git a/chunks/json/3b769f588cf879fc11329d4abd3a8f9b10816e82d7afbef93a49a9c457ba332d.json b/chunks/json/3b769f588cf879fc11329d4abd3a8f9b10816e82d7afbef93a49a9c457ba332d.json new file mode 100644 index 0000000000000000000000000000000000000000..0bbc3bdc645af0d968b116d948d50ffc57b32347 --- /dev/null +++ b/chunks/json/3b769f588cf879fc11329d4abd3a8f9b10816e82d7afbef93a49a9c457ba332d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":35493,"char_start":33850,"chunk_id":"chk_5ba2aba8aa41435b","chunk_index":18,"chunk_sha256":"3b769f588cf879fc11329d4abd3a8f9b10816e82d7afbef93a49a9c457ba332d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"3b769f588cf879fc11329d4abd3a8f9b10816e82d7afbef93a49a9c457ba332d","token_estimate":411,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"When the property is in a project\n(condominium, condop, cooperative) or in a\nPUD\n\nWhen there is an active sales contract\n\nWhen applicable\nNote: Although the majority of appraisals\ninclude the Sales Comparison Approach,\nthere are cases where this section would not\nbe included.\n\nWhen applicable\n\nWhen applicable\n\nWhen applicable\n\nWhen applicable\n\nWhen applicable\n\n10\n\nUnit Interior\n\n11\n\n12\n\n13\n\n14\n\n15\n\n16\n\n17\n\nFunctional\nObsolescence\n\nOutbuilding\n\nVehicle Storage\n\nSubject Property\nAmenities\nOverall Quality and\nCondition\n\nHighest and Best Use\n\nMarket\n\n18\n\nProject Information\n\n19\n\n20\n\n21\n\n22\n\n23\n\n24\n\n25\n\n26\n\n27\n\n28\n\n29\n\nSubject Listing\nInformation\n\nSales Contract\n\nPrior Sale and Transfer\nHistory\n\nSales Comparison\nApproach\n\nRental Information\n\nIncome Approach\n\nCost Approach\n\nReconciliation\n\nRevision History\n\nSupplemental\nInformation\nCertifications and Scope\nof Work, which includes\nthe Certifications black\ntab\n\nTable Column Headings\n\n√\n\n√\n\n√\n\n√\n\n√\n\n√\n\n√\n\n√\n\n√\n\n√\n\n√\n\nIn this document, tables are used to define the fields in the URAR. Column headings are as follows:\n• Report Field ID: A red number identifying the specific location of the field on the URAR.\n• Report Label: The name of the field as shown on the URAR.\n• When to Include: The conditionality for when the information is required, expressed in business terms.\no Examples: Always required, Required if there is more than one unit, If relevant, If applicable, If\n\navailable\n\no Note: When information is required is not always the same as when it displays.\n\n• Allowable Answers / Format\n\no Examples: Yes | No, Free-form, Number, Choose allowable answer(s) from a list or table\n"} diff --git a/chunks/json/3b83581bd5022de96e54d0b869243b12f0ec124e88b858ba4a8df71af5490f77.json b/chunks/json/3b83581bd5022de96e54d0b869243b12f0ec124e88b858ba4a8df71af5490f77.json new file mode 100644 index 0000000000000000000000000000000000000000..436cf8e65ec02ed59ef9159b92751f82bfd77e50 --- /dev/null +++ b/chunks/json/3b83581bd5022de96e54d0b869243b12f0ec124e88b858ba4a8df71af5490f77.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10159,"char_start":8550,"chunk_id":"chk_cc3a60a5f982094b","chunk_index":5,"chunk_sha256":"3b83581bd5022de96e54d0b869243b12f0ec124e88b858ba4a8df71af5490f77","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_16420b94ef371d43","text_sha256":"3b83581bd5022de96e54d0b869243b12f0ec124e88b858ba4a8df71af5490f77","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Pu_alr1i.md"]},"text":"The Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF) is the nation’s first publicly available appraisal-level dataset of appraisal records, giving the public new access to a selected set of data fields found in appraisal reports. The UAD Appraisal-Level PUF are provided separately for the Enterprises (Fannie Mae and Freddie Mac) and Federal Housing Administration (FHA) appraisals:\n\n- The Enterprise UAD Appraisal-Level PUF is based on a five percent nationally representative random sample of appraisals for single-family mortgages acquired by the Enterprises. The current release includes appraisals from 2013 through 2022.\n- The FHA UAD Appraisal-Level PUF is based on a five percent nationally representative random sample of appraisals for single-family mortgages insured by FHA. The current release includes appraisals from 2017 through 2022.\nThe UAD Appraisal-Level PUF is a resource for users capable of using statistical software to extract and analyze data. Users can download annual or combined files in CSV, R, SAS and Stata formats. All files are zipped for ease with download.\n\nThe UAD Appraisal-Level PUF provides the public and policymakers with meaningful data about appraisals to identify trends, conduct research, and promote compliance. Public, transparent data about appraisals promotes a liquid, efficient, competitive, and resilient national housing market.\n\n## ​Documentation\n\n[UAD PUF Dat​a Dictionary Version 2.1](/document/uad-puf-2.1-data-dictionary.pdf) (2/4/2025)\n\n[UAD PUF Version History Version 2.1](/document/uad-puf-2.1-version-history.pdf) (2/4/2025)\n"} diff --git a/chunks/json/3b865580d176717c04a746718a97bd07194bbbf05c082cabd4ae97898413d5ec.json b/chunks/json/3b865580d176717c04a746718a97bd07194bbbf05c082cabd4ae97898413d5ec.json new file mode 100644 index 0000000000000000000000000000000000000000..a98dc3d9e13acfe278cfcba22893038e6875adb9 --- /dev/null +++ b/chunks/json/3b865580d176717c04a746718a97bd07194bbbf05c082cabd4ae97898413d5ec.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6787,"char_start":5150,"chunk_id":"chk_1f00d27784c6493b","chunk_index":3,"chunk_sha256":"3b865580d176717c04a746718a97bd07194bbbf05c082cabd4ae97898413d5ec","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"3b865580d176717c04a746718a97bd07194bbbf05c082cabd4ae97898413d5ec","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Trainee Appraiser\n1111TRHI\nHI\n12/31/2021\n\nCertified General\n987654HI\nHI\n12/31/2021\n\nAssignment Information and Scope of Work Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSubject Property\n\nPhysical Address\n\nCounty\nNeighborhood Name\n\n12345 Holiday Hwy\nSurfside, HI 12345\nHawaii\nHawaiian Vista\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\nAttachment Type\nUnits Excluding ADUs\nAccessory Dwelling Units\nDwellings Containing Units\nSpecial Tax Assessments\n\nDetached\n2\n0\n2\nNo\n\nProperty Rights Appraised\n\nFee Simple\n\nAll Rights Included in Appraisal\n\nRights Not Included\n\nNo\nMineral Rights\n\nDescription of Rights Not Included All mineral rights are held by\nthe state of Hawaii.\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 3 of 29\nPage 3 of 29\n\nSubject Property (continued)\n\nLegal Description\n\nLot 4, Block 35, Hawaiian Vista\n\nSubject Property Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSite\n\nTotal Site Size\n\n11,997 Sq. Ft.\n\nNumber of Parcels\n\n1\n\nAssessor Parcel Number (APN)\n3-1-5-067-055\n\nAPN Description\nLand with Dwelling\n\nParcel Size\n11,997 Sq. Ft.\n\nZoning\n\nCompliance\nClassification Code\nClassification Code Description\n\nImpact\n\nLegal Nonconforming\nA-1A\nAgricultural/Residential,\n1.00 Acre Minimum\nNeutral\n"} diff --git a/chunks/json/3b8e6a6165a8fcd215f9a23ca5f6af0a543dc68bc3c66bfdf2ea22b4ce0af2ca.json b/chunks/json/3b8e6a6165a8fcd215f9a23ca5f6af0a543dc68bc3c66bfdf2ea22b4ce0af2ca.json new file mode 100644 index 0000000000000000000000000000000000000000..da0d2e6a350d13f6ff318a322de34161af3a53c3 --- /dev/null +++ b/chunks/json/3b8e6a6165a8fcd215f9a23ca5f6af0a543dc68bc3c66bfdf2ea22b4ce0af2ca.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10867,"char_start":9050,"chunk_id":"chk_3d10304560ac3199","chunk_index":5,"chunk_sha256":"3b8e6a6165a8fcd215f9a23ca5f6af0a543dc68bc3c66bfdf2ea22b4ce0af2ca","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_fafc4238d5cd0bff","text_sha256":"3b8e6a6165a8fcd215f9a23ca5f6af0a543dc68bc3c66bfdf2ea22b4ce0af2ca","token_estimate":455,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2020.pdf"]},"text":"AcqTyp\nAff1\nAff2\nAff3\nAff4\nBed1\nBed2\nBed3\nBed4\nCICA\nCoop\nFeatureID\nFedInsbltyPlan\nGeog\nGSEREO\nIncRat\nRent1\nRent2\nRent3\n\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\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)\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)\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)\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/3b9044136a913cd37977b7dd1915ea07605b7f350fc41f70e43a1f3e16c6b0fe.json b/chunks/json/3b9044136a913cd37977b7dd1915ea07605b7f350fc41f70e43a1f3e16c6b0fe.json new file mode 100644 index 0000000000000000000000000000000000000000..e405d65d2402dc97f55069de9fda582776f40bcc --- /dev/null +++ b/chunks/json/3b9044136a913cd37977b7dd1915ea07605b7f350fc41f70e43a1f3e16c6b0fe.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13085,"char_start":10421,"chunk_id":"chk_b9e0856b8a8fbd10","chunk_index":6,"chunk_sha256":"3b9044136a913cd37977b7dd1915ea07605b7f350fc41f70e43a1f3e16c6b0fe","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_94bbea163ab9eeea","text_sha256":"3b9044136a913cd37977b7dd1915ea07605b7f350fc41f70e43a1f3e16c6b0fe","token_estimate":799,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Research___FHFA_ynuuo6.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\\/34906\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\",\"currentQuery\":{\"category\":{\"941\":\"941\"}}},\"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\":{\"\\/research\":true,\"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/3ba0d9c0ec8fa160a6dadc56fc25232cfa5da0778000fed3af9e7a6a2cabf96e.json b/chunks/json/3ba0d9c0ec8fa160a6dadc56fc25232cfa5da0778000fed3af9e7a6a2cabf96e.json new file mode 100644 index 0000000000000000000000000000000000000000..189bf4b63e16f496da29c264be1bf44e90a9545f --- /dev/null +++ b/chunks/json/3ba0d9c0ec8fa160a6dadc56fc25232cfa5da0778000fed3af9e7a6a2cabf96e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3631,"char_start":2616,"chunk_id":"chk_400087e7f0fc3a58","chunk_index":4,"chunk_sha256":"3ba0d9c0ec8fa160a6dadc56fc25232cfa5da0778000fed3af9e7a6a2cabf96e","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1f9c959be0398537","text_sha256":"3ba0d9c0ec8fa160a6dadc56fc25232cfa5da0778000fed3af9e7a6a2cabf96e","token_estimate":513,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-specification-update-impact-memo.pdf"]},"text":"Overview .............................................................................................................................................. 9\n\nUpdated UCD Requirements for Phase 3 (different from UCD Specification v1.5) ........................... 9\n\nUpdated UCD Requirements for Phases 1 and 2 (different from UCD Specification v1.5) ............. 11\n\nAdditional Information ............................................................................................................................ 13\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\nRevision History\n\nVersion 2.1 …………………………………………………………………….……December 20, 2022\nVersion 2.0…………………………………………………………………….…………..July 26, 2022\nVersion 1.0 …………………………………………………………………….……February 15, 2022\n"} diff --git a/chunks/json/3ba230af0dcaecaccb0518acd6bafa3a8aee1702795e04be5c86ef8c19e3b428.json b/chunks/json/3ba230af0dcaecaccb0518acd6bafa3a8aee1702795e04be5c86ef8c19e3b428.json new file mode 100644 index 0000000000000000000000000000000000000000..e7880e0e7a555fc6a42518332b61fb060a2d94de --- /dev/null +++ b/chunks/json/3ba230af0dcaecaccb0518acd6bafa3a8aee1702795e04be5c86ef8c19e3b428.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11148,"char_start":9070,"chunk_id":"chk_427c16e417edddc5","chunk_index":5,"chunk_sha256":"3ba230af0dcaecaccb0518acd6bafa3a8aee1702795e04be5c86ef8c19e3b428","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_098d490ea3341c33","text_sha256":"3ba230af0dcaecaccb0518acd6bafa3a8aee1702795e04be5c86ef8c19e3b428","token_estimate":516,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Mortgage_Translations___FHFA_vcix9l.md"]},"text":"The site contains documents and resources in English, Spanish, traditional Chinese, Vietnamese, Korean, and Tagalog. See the [Language Access Multi-Year Plan](/document/lep-multi-year-plan) (published May 2018) and the [Language Access Policy Page](/policy/language-access)​ for more details.​​​​\n\n- Image\n\n![Documents icon](/sites/default/files/styles/icon_75_x_75_/public/2023-11/documents.png?h=a7ffc51c&itok=-HpjBhOq)\n\n[Search or Browse Documents](/node/20006)\n\n- Image\n\n![Language translations Icon](/sites/default/files/styles/icon_75_x_75_/public/2023-11/language.png?h=a7ffc51c&itok=OHSTzazV)\n\n[Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n\n- Image\n\n![Home info icon](/sites/default/files/styles/icon_75_x_75_/public/2023-11/house.png?h=a7ffc51c&itok=XEUASTMu)\n\n[Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n\n- Image\n\n![Covid Icon](/sites/default/files/styles/icon_75_x_75_/public/2023-11/covid-19.png?h=a7ffc51c&itok=nzR8Mlui)\n\n[Covid-19 Resources](/mortgage-translations/covid-19-resources)\n\n- Image\n\n![Headset Icon](/sites/default/files/styles/icon_75_x_75_/public/2023-11/interpreter.png?h=a7ffc51c&itok=ip1IB9GY)\n\n[Interpretive Services](/mortgage-translations/interpretive-services)\n\n> *[Iframe content not accessible: https://www.youtube.com/embed/jZzHk9adBAM]*\n\n* UPDATE: In July 2022, the Federal Housing Finance Agency, Fannie Mae, and Freddie Mac added the updated Supplementary Consumer Information Form (SCIF) (Fannie Mae/Freddie Mac 1103) to the Mortgage Translations website. The SCIF helps industry professionals collect borrower information with standardized questions about homeownership education, housing counseling, and language preference. Additionally, the revised Mortgage Assistance Application, Borrower Solicitation Letter, Forbearance Servicer Script, and a Servicer Script for Homeowners with a Resolved COVID-19 Hardship were also added. All of the documents are now available in English, Spanish, Chinese, Vietnamese, Korean, and Tagalog. ​\n"} diff --git a/chunks/json/3ba5329c031aa93da17d19607db27da04f7f2f32524c8ee01d1d8ebce38dbcc9.json b/chunks/json/3ba5329c031aa93da17d19607db27da04f7f2f32524c8ee01d1d8ebce38dbcc9.json new file mode 100644 index 0000000000000000000000000000000000000000..0335eda39b65e159b475bff7aeb8596278e85f7e --- /dev/null +++ b/chunks/json/3ba5329c031aa93da17d19607db27da04f7f2f32524c8ee01d1d8ebce38dbcc9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5239,"char_start":3333,"chunk_id":"chk_49e9aa0db261458f","chunk_index":2,"chunk_sha256":"3ba5329c031aa93da17d19607db27da04f7f2f32524c8ee01d1d8ebce38dbcc9","date_utc":"2026-01-27T17:46:22+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05d183e5699441f8","text_sha256":"3ba5329c031aa93da17d19607db27da04f7f2f32524c8ee01d1d8ebce38dbcc9","token_estimate":477,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/uad-limited-production-readiness-overview.pdf"]},"text":"• Conduct workflow and process testing with your vendors to make sure you’re ready to use and consume\n\nUAD 3.6.\n\n• Verify that your external technology vendors have made the necessary system enhancements to accept\n\nUAD 3.6 appraisal reports.\n\nHave the GSEs updated their Selling Guide policies to support UAD 3.6 appraisal reports?\n\nYes, all participants in the Limited Production Period must adhere to each GSE’s updated policy related to UAD 3.6.\nView Fannie Mae’s Selling Guide Supplement: UAD 3.6 Policy and Freddie Mac’s Single-Family Seller/Servicer\nGuide (Guide) Bulletin 2025-7.\n\nWhat are the three requirements needed to deliver a loan during the Limited Production\nPeriod?\n\n• A completed Limited Production Period Questionnaire: All lenders delivering a loan during the Limited\n\nProduction Period must complete the Questionnaire (see the Next Steps section for details).\n\n• A successful Uniform Collateral Data Portal® (UCDP®) submission and Doc File ID: For a loan to be\ndelivered to each GSE, the applicable GSE’s Submission Summary Report must indicate a “Successful”\nDocument File Status with a Doc File ID.\n\n• Compliance with each GSE’s UAD 3.6 policy: View Fannie Mae’s Selling Guide Supplement: UAD 3.6\n\nPolicy and Freddie Mac’s Guide Bulletin 2025-7 for details.\n\nIf a lender is not participating in the Limited Production Period, can they still deliver a loan\nwith a UAD 3.6 appraisal report?\n\nEvery lender must complete the Questionnaire and receive approval to deliver loans with UAD 3.6 appraisal reports\nto each GSE. If a lender is not part of the Limited Production Period and purchases a loan with a UAD 3.6 appraisal\nreport from a correspondent, it may be sold to each GSE as long as there is a “Successful” Document File Status\nwith a Doc File ID, the aggregator (lender) completed the Questionnaire for approval, and the appraisal report\ncomplies with each GSE’s UAD 3.6 policy.\n"} diff --git a/chunks/json/3bacb6ed94fdfdc64084be4f12717d80d4aca7b128fd09aedbf5c7f32f41124b.json b/chunks/json/3bacb6ed94fdfdc64084be4f12717d80d4aca7b128fd09aedbf5c7f32f41124b.json new file mode 100644 index 0000000000000000000000000000000000000000..9a0b350ea98f1240ef1f092ee9378468c44c2d55 --- /dev/null +++ b/chunks/json/3bacb6ed94fdfdc64084be4f12717d80d4aca7b128fd09aedbf5c7f32f41124b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":30199,"char_start":28609,"chunk_id":"chk_6299c967742660d8","chunk_index":13,"chunk_sha256":"3bacb6ed94fdfdc64084be4f12717d80d4aca7b128fd09aedbf5c7f32f41124b","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2b6a9e94e3fa6d9e","text_sha256":"3bacb6ed94fdfdc64084be4f12717d80d4aca7b128fd09aedbf5c7f32f41124b","token_estimate":469,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Freddie_Mac_Single_Fam_r5x1k.md"]},"text":"[Working With Us](/working-with-us)\n\n[News & Insights](/news-insights)\n\n[About](/about)\n\n[Affordable Lending](/working-with-us/affordable-lending/overview)\n\n[Technology](/tools-learning)\n\n[Become a Seller/Servicer](/working-with-us/become-a-seller-servicer/overview)\n\n[Origination & Underwriting](/working-with-us/origination-underwriting/overview)\n\n[Selling & Delivery](/working-with-us/sell-for-cash/overview)\n\n[Freddie Mac Gateway](/tools-learning/technology-tools/our-solutions)\n\n[Mortgage Products](/working-with-us/origination-underwriting/mortgage-products)\n\n[System Status](/tools-learning/system-status)\n\n[Seller/Servicer Guide](https://guide.freddiemac.com/)\n\n[Servicing](/working-with-us/servicing/overview)\n\n[Access Manager](/tools-learning/access-manager/overview)\n\n[Subscribe](http://infofreddiemac.com/sf_emailGate)\n\n© 2026 Freddie Mac\n\n- [Contact Us](https://www.freddiemac.com/about/contact-us)\n - [Careers](https://careers.freddiemac.com/)\n - [Terms of Use](https://www.freddiemac.com/terms)\n - [Privacy Policy](https://www.freddiemac.com/terms/privacy)\n - [State Privacy Notices](https://www.freddiemac.com/terms/state_privacy_notices)\n - [Cookie Preferences](javascript:void(0);)\n - [Your Privacy Choices](https://privacyportal.onetrust.com/webform/94b5e41a-aba0-4e51-ba48-efa19ce560a1/606fcfb7-d563-44d8-94cd-b8d1a8356b7e)\n - © 2026 Freddie Mac Follow us on social media\n - [](https://www.youtube.com/c/freddiemaccorp) [](https://www.instagram.com/freddiemaccorp/) [](https://www.linkedin.com/showcase/freddiemacsf/) [](https://twitter.com/FreddieMac)\n"} diff --git a/chunks/json/3bae057372f4b66480a2ac37b6ee53bb9592521e2da3c6669d2a5ef2c5303e9b.json b/chunks/json/3bae057372f4b66480a2ac37b6ee53bb9592521e2da3c6669d2a5ef2c5303e9b.json new file mode 100644 index 0000000000000000000000000000000000000000..5735db8f1237209633b6eccbba663fd04d2c0726 --- /dev/null +++ b/chunks/json/3bae057372f4b66480a2ac37b6ee53bb9592521e2da3c6669d2a5ef2c5303e9b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":439003,"char_start":437397,"chunk_id":"chk_e27a51c8e05c3038","chunk_index":339,"chunk_sha256":"3bae057372f4b66480a2ac37b6ee53bb9592521e2da3c6669d2a5ef2c5303e9b","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"3bae057372f4b66480a2ac37b6ee53bb9592521e2da3c6669d2a5ef2c5303e9b","token_estimate":402,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Unique ID\n\nMISMO Data Point Name\n\nDisplay Rules\n\nReconciliation: Approaches to Value\n\n26.000\n\nIndicated Value\n\n1300.0006\n\nValueIndicatedBySalesComparisonAmount\n\nDisplay when SalesComparisonApproachIndicator = \"true\"\n\n26.001\n\nReason for\nExclusion\n\nIncome Approach\n\n1300.0007\n\nValuationApproachExclusionReasonType\n\n1300.0008\n\nValuationApproachExclusionReasonTypeOtherDescription\n\nWhen SalesComparisonApproachIndicator = \"false\"\n\n− Provide ValuationApproachExclusionReasonType = “Other” AND\n\nValuationApproachExclusionReasonTypeOtherDescription\n\n26.002\n\nIndicated Value\n\n1200.0004\n\nValueIndicatedByIncomeApproachAmount\n\n26.003\n\nReason for\nExclusion\n\nCost Approach\n\n1300.0004\n\nValuationApproachExclusionReasonType\n\n1300.0005\n\nValuationApproachExclusionReasonTypeOtherDescription\n\nDisplay when IncomeApproachIndicator = \"true\"\nDisplay when IncomeApproachIndicator = \"false\"\nWhen multiple reasons are provided display as stacked.\nDisplay when ValuationApproachExclusionReasonType = \"Other\"\nWhen multiple reasons are provided display as stacked.\n\n26.004\n\nIndicated Value\n\n1300.0001\n\nValueIndicatedByCostApproachAmount\n\nDisplay when CostApproachIndicator = \"true\"\n\n26.005\n\nReason for\nExclusion\n\n1300.0002\n\nValuationApproachExclusionReasonType\n\n1300.0003\n\nValuationApproachExclusionReasonTypeOtherDescription\n\nDisplay when CostApproachIndicator = \"false\"\nWhen multiple reasons are provided display as stacked.\nDisplay when ValuationApproachExclusionReasonType = \"Other\"\nWhen multiple reasons are provided display as stacked.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 26 - 1\n\nPage 348\n\nAppraisal Summary\n"} diff --git a/chunks/json/3bb55af7a73d449f7acec7668af38fb374ce167cd9484731d80a9f685fc925af.json b/chunks/json/3bb55af7a73d449f7acec7668af38fb374ce167cd9484731d80a9f685fc925af.json new file mode 100644 index 0000000000000000000000000000000000000000..7c87462dee3bfb7baa0e75eedc953b5fdb3f331e --- /dev/null +++ b/chunks/json/3bb55af7a73d449f7acec7668af38fb374ce167cd9484731d80a9f685fc925af.json @@ -0,0 +1 @@ +{"chunk":{"char_end":123612,"char_start":122001,"chunk_id":"chk_1aada4e67b522003","chunk_index":72,"chunk_sha256":"3bb55af7a73d449f7acec7668af38fb374ce167cd9484731d80a9f685fc925af","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3bb55af7a73d449f7acec7668af38fb374ce167cd9484731d80a9f685fc925af","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/SITE\n/FLOOD_ZONE/FLOOD_ZONE_EXTENSIO\nN/FLOOD_ZONE_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFOR\nM APPRAISAL\nDATASET']/FLOOD_ZONE_EXTENSION_SE\nCTION_DATA/FLOOD_ZONE_INFORMATI\nON/@GSEFEMAFloodMapIdentifier\n\n1\n\n1\n\n1\n\n1\n\nBoolean\n\nBoolean\n\n20\n\nString\n\n22\n\nString\n\n127\n\n1\n\n121\n\nSITE\n\nFEMA Map Date\n\nNFIP Map Panel\nDate\n\nThe map effective date or the map\nrevised date shown on the NFIP map.\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n/FLOOD_ZONE/@NFIPMapPanelDate\n\n10\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nOne and only one of fields 1-117, 1-118\n(values of GSE Special Flood Hazard Area\nIndicator) should be indicated.\n\nOne and only one value of fields 1-117, 1-118\n(values of GSE Special Flood Hazard Area\nIndicator) should be indicated.\n\nThis field should be populated if a FEMA map\nexists for the area.\n\nIf field 1-119 (GSE NFIP Flood Zone\nIdentifier) has a value that does not equal\n'None', this field should be populated.\n\nIf field 1-119 (GSE NFIP Flood Zone\nIdentifier) has a value that does not equal\n'None', this field should be populated.\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 40 of 211\n\nDocument Version 1.4\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\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n"} diff --git a/chunks/json/3bc234fc3b3e9bb4a446208da246d967dc02258445e48cc47d826f61b8e265f4.json b/chunks/json/3bc234fc3b3e9bb4a446208da246d967dc02258445e48cc47d826f61b8e265f4.json new file mode 100644 index 0000000000000000000000000000000000000000..fbc94d1ba4d3ab42aa469681e01a9be5703a3e6b --- /dev/null +++ b/chunks/json/3bc234fc3b3e9bb4a446208da246d967dc02258445e48cc47d826f61b8e265f4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":26340,"char_start":25854,"chunk_id":"chk_3705d3a18708408d","chunk_index":41,"chunk_sha256":"3bc234fc3b3e9bb4a446208da246d967dc02258445e48cc47d826f61b8e265f4","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"3bc234fc3b3e9bb4a446208da246d967dc02258445e48cc47d826f61b8e265f4","token_estimate":427,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Housing Trends (H1) ........................................................................................................................................... 54\n\nMarket Commentary (H1) ................................................................................................................................... 55\n\nMarket Exhibits (H1) ........................................................................................................................................... 55\n"} diff --git a/chunks/json/3bc9cdaf158aeb38fb0a54720eff06973177720e6ca2f69e7c99c24b51b26798.json b/chunks/json/3bc9cdaf158aeb38fb0a54720eff06973177720e6ca2f69e7c99c24b51b26798.json new file mode 100644 index 0000000000000000000000000000000000000000..9c98d7f1e436fd3fed1510a682a875f007d044ab --- /dev/null +++ b/chunks/json/3bc9cdaf158aeb38fb0a54720eff06973177720e6ca2f69e7c99c24b51b26798.json @@ -0,0 +1 @@ +{"chunk":{"char_end":44894,"char_start":43136,"chunk_id":"chk_811f1c892fec9ce8","chunk_index":71,"chunk_sha256":"3bc9cdaf158aeb38fb0a54720eff06973177720e6ca2f69e7c99c24b51b26798","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"3bc9cdaf158aeb38fb0a54720eff06973177720e6ca2f69e7c99c24b51b26798","token_estimate":439,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Appendix E: Report Style Guide\n\nPage 11 of 90\n\nVersion 1.4\n\nPart 1. Design\n\nThis chapter includes specifications for the overall design elements that apply to all pages of the URAR, Appraisal\nUpdate, and Completion Report. The overall measurements of the page in the report are defined in inches (see\npage 8). All other layout measurements in the Style Guide use typographic standards (see “Units Used in this\nGuide” below).\n\nFont\n\nMyriad Pro is the preferred font. Calibri may be used as an alternative; however, this change may affect the length\nand pagination of the report, e.g., line breaks within the individual certifications.\n\nThe Appendix C Layouts were designed on a particular platform with a design program. Not every design program\nmatches others perfectly. The goal is to match the PDFs provided in the report layouts (Appendix C-1, C-2, C-3)\nand sample scenarios (Appendix D-1, D-2, D-3).\n\nFor an example of a report using Calibri, see Appendix D-1: Sample Scenario SF5-A.\n\nSAMPLE USING MYRIAD PRO\n\nSAMPLE USING CALIBRI\n\nAppendix E: Report Style Guide\n\nPage 12 of 90\n\nVersion 1.4\n\nUnits Used in Style Guide\n\nIn this guide, the two units of measurement used in describing the widths of elements are points and picas.\n\nA point is equal to 1/72 inch (72 points in an inch). 1 pica is equal 1/6 of an inch (or 12 points). 6 picas equal 1\ninch; 3 picas equal ½ inch.\n\nPicas are often used for fixed horizontal measurements (most often column width). Picas are often abbreviated as\n“p” (such as 16p). Picas are usually represented with points in this fashion: (picas)p(points), for example: 3p9 or\n2p6. For example, the standard width for one column of text on this two-column grid document is 22 picas and 0\npoints (normally abbreviated as 22p0).\n"} diff --git a/chunks/json/3bcae7379dd98f8814b9ba8a73313e630168dc1d8003f41a3385c15ad075a0b1.json b/chunks/json/3bcae7379dd98f8814b9ba8a73313e630168dc1d8003f41a3385c15ad075a0b1.json new file mode 100644 index 0000000000000000000000000000000000000000..5a90e928ac13f9781c90e5dae746e42ba35c625e --- /dev/null +++ b/chunks/json/3bcae7379dd98f8814b9ba8a73313e630168dc1d8003f41a3385c15ad075a0b1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1735,"char_start":0,"chunk_id":"chk_d1f4312a00d5e022","chunk_index":0,"chunk_sha256":"3bcae7379dd98f8814b9ba8a73313e630168dc1d8003f41a3385c15ad075a0b1","date_utc":"2026-01-27T17:54:30+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7484ec83956e55bb","text_sha256":"3bcae7379dd98f8814b9ba8a73313e630168dc1d8003f41a3385c15ad075a0b1","token_estimate":531,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Research___FHFA_5bthf.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/research?category%5B961%5D=961\"\ndate_accessed: \"2026-01-27T17:54:20.614Z\"\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/3bcc191a926502f452a1b0f05cd4c3955c05a8936e77c92729d8045747fa85db.json b/chunks/json/3bcc191a926502f452a1b0f05cd4c3955c05a8936e77c92729d8045747fa85db.json new file mode 100644 index 0000000000000000000000000000000000000000..323a65d6aba0028f89376164e20193ff3dd1a194 --- /dev/null +++ b/chunks/json/3bcc191a926502f452a1b0f05cd4c3955c05a8936e77c92729d8045747fa85db.json @@ -0,0 +1 @@ +{"chunk":{"char_end":357471,"char_start":355866,"chunk_id":"chk_f8c98386fdce2059","chunk_index":211,"chunk_sha256":"3bcc191a926502f452a1b0f05cd4c3955c05a8936e77c92729d8045747fa85db","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"3bcc191a926502f452a1b0f05cd4c3955c05a8936e77c92729d8045747fa85db","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Notes:\n• Some information displays for both dwellings and outbuildings. Conditionality of this section is limited to\n\neach structure that is identified as an outbuilding.\n\n• The “When to Include” column in this chapter only references outbuildings.\n\nInformation That May Display in Black Tab\n\nOutbuilding: Black Tab\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\n12.001 Outbuilding\n(black tab)\n\nAlways required for\neach outbuilding\n\nChoose an\nallowable answer\nfrom table\n(Outbuilding Type)\n\nOutbuilding Type: The intended functional design (use) of an outbuilding on the\nproperty.\nNote: The selected answer displays in a black tab or as a Report Label\nthroughout the URAR.\n\nAppendix F-1: URAR Reference Guide\n\nPage 150 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n12 Outbuilding\n\nAllowable Answer\n\nADU/Garage\n\nBarn\n\nBoathouse\n\nBunkhouse\n\nOutbuilding Type (Choose one for each Outbuilding)\n\nDefinition / Additional Guidance\n\nA detached garage with an ADU that is either above the vehicle storage, or attached by a common wall.\nNote: If the building has additional separate area other than vehicle storage and ADU, do not select this answer. See\nOther (Describe).\n\nA farm building designed to store grain, hay, or straw, house livestock, or for other farming purposes.\n\nA building at the edge of or on a body of water in which boats or other watercraft are stored.\n\nA structure designed to provide temporary sleeping quarters with no other amenities.\n\nEnclosed Kennel\n\nA permanent structure designed to board pets.\n\nGreenhouse\n\nGuest House\n"} diff --git a/chunks/json/3bd1e84f65cb01c08ec6b6d8f0de76d6860d2327aaa07d2b0160ec4833dbe170.json b/chunks/json/3bd1e84f65cb01c08ec6b6d8f0de76d6860d2327aaa07d2b0160ec4833dbe170.json new file mode 100644 index 0000000000000000000000000000000000000000..5693fe796557fedc2efe34bd6481ece56bbbd05c --- /dev/null +++ b/chunks/json/3bd1e84f65cb01c08ec6b6d8f0de76d6860d2327aaa07d2b0160ec4833dbe170.json @@ -0,0 +1 @@ +{"chunk":{"char_end":40253,"char_start":38636,"chunk_id":"chk_c9af30f871bdaee3","chunk_index":26,"chunk_sha256":"3bd1e84f65cb01c08ec6b6d8f0de76d6860d2327aaa07d2b0160ec4833dbe170","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"3bd1e84f65cb01c08ec6b6d8f0de76d6860d2327aaa07d2b0160ec4833dbe170","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"PARTIES\n PARTY\n\nINDIVIDUAL\n NAME\n FirstName = John\n LastName = Smith\n\nROLE\n\nSequence Number = “1”\n xlink:label = “BORROWER_1”\n ROLE DETAIL\n\nParty Role Type = Borrower\n\nFigure 11. Establishing Endpoints of Relationship\n\nThe table below (Table 11) shows the endpoints that will makeup the xlink arcrole relationship for the\nrelationship.\n\nCONTAINER\n\nXPath For Container\n\nLIABILITY\nROLE\n\nDEAL/LIABILITIES/LIABILITY\nDEAL/PARTIES/PARTY/ROLES/ROLE\n\nTable 11. Identifying Endpoints in the Relationship\n\nSequence\nNumber\n1\n1\n\nXlink:label\n\nLIABILITY_1\nBORROWER_1\n\nThe table below (Table 12) shows a breakdown of the detailed components of the relationship used to\nrelate a related liability to a borrower for that loan.\n\nXPath\n\nAttribute\n\nxlink:label\n\nValue\n\nNotes\n\nRELATIONSHIPS CONTAINER\n\nFirst instance of RELATIONSHIP\nMESSAGE/DEAL_SETS/D\nEAL_SET/DEALS/DEAL/\n/RELATIONSHIPS/RELAT\nIONSHIP\n\nSequence Number\n\n1\n\narcrole=\"urn:fdc:mism\no.org:2009:residential\nfrom\nto\n\nLIABILITY_IsAssocia\nte dWith_ROLE\nLIABILITY_1\nBORROWER_1\n\nTable 12. Relationships Container – Component Details\n\nData Relationships Using Xlink and MISMO Arcroles\n\nPage 24 of 29\n\nVersion 1.1\n\n___________ _ __ Uniform Loan Application Dataset (ULAD) Xlink Arcroles\n\nThe figure below (Figure 12) shows a basic example of how the xlink arcrole relationship linking a liability\nto a borrower would look in the RELATIONSHIPS container.\n\nRELATIONSHIPS CONTAINER\nShowing the RELATIONSHIP Using The Endpoints\n\nRELATIONSHIPS\n RELATIONSHIP\n Sequence Number = “1”\n xlink:from = “LIABILTY_1”\n xlink:to = “BORROWER_1”\n xlink:arcrole = “LIABILITY_IsAssociatedWith_ROLE”\n"} diff --git a/chunks/json/3bd7d7bb1b7ff58cba39d78e9d6a39140413f339bf9df3b56ddcee1a9443ea4d.json b/chunks/json/3bd7d7bb1b7ff58cba39d78e9d6a39140413f339bf9df3b56ddcee1a9443ea4d.json new file mode 100644 index 0000000000000000000000000000000000000000..3a04c66acda9aecfbf7034be4960f84e7518edca --- /dev/null +++ b/chunks/json/3bd7d7bb1b7ff58cba39d78e9d6a39140413f339bf9df3b56ddcee1a9443ea4d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":348306,"char_start":346637,"chunk_id":"chk_1e499b53dcf3357f","chunk_index":203,"chunk_sha256":"3bd7d7bb1b7ff58cba39d78e9d6a39140413f339bf9df3b56ddcee1a9443ea4d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3bd7d7bb1b7ff58cba39d78e9d6a39140413f339bf9df3b56ddcee1a9443ea4d","token_estimate":418,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PARTIES/APPRA\nISER/APPRAISER_LICENSE[@_Type='Other'\n]/@_TypeOtherDescription\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nState #\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/APPRA\nISER/APPRAISER_LICENSE[@_Type='Other'\n]/@_Identifier\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nState\n\nAppraiser License\nState\n\nThe state in which the appraiser is\nlicensed.\n\n/VALUATION_RESPONSE/PARTIES/APPRA\nISER/APPRAISER_LICENSE/@_State\n\n50\n\n50\n\n25\n\n20\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\nOne and only one of the fields 6-13, 6-14, 6-\n16 (Appraiser License Identifier and values of\nAppraiser License Type) is required unless the\nvalue of field 6-15 is 'trainee'.\nOne and only one of the fields 6-13, 6-14, 6-\n16 (Appraiser License Identifier and values of\nAppraiser License Type) is required unless the\nvalue of field 6-15 is 'trainee'.\n\nString\n\nUAD Requirement – Refer to Appendix D Appraiser Certification\nSection\n\nRequired if field 6-16 is populated\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\nOne and only one of the fields 6-13, 6-14, 6-\n16 (Appraiser License Identifier and values of\nAppraiser License Type) is required unless the\nvalue of field 6-15 is 'trainee'.\n"} diff --git a/chunks/json/3be0a353191c6f8da287ec359ea5a4960787d3a02fc7436ac8e9a1cc3da1cd6c.json b/chunks/json/3be0a353191c6f8da287ec359ea5a4960787d3a02fc7436ac8e9a1cc3da1cd6c.json new file mode 100644 index 0000000000000000000000000000000000000000..e2a10f4439afa5cecd045a5dffb0511b0cf26b30 --- /dev/null +++ b/chunks/json/3be0a353191c6f8da287ec359ea5a4960787d3a02fc7436ac8e9a1cc3da1cd6c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":93,"char_start":0,"chunk_id":"chk_4573c86eb75c752e","chunk_index":0,"chunk_sha256":"3be0a353191c6f8da287ec359ea5a4960787d3a02fc7436ac8e9a1cc3da1cd6c","date_utc":"2026-01-27T17:54:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e1512f51b5b73bdb","text_sha256":"3be0a353191c6f8da287ec359ea5a4960787d3a02fc7436ac8e9a1cc3da1cd6c","token_estimate":36,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Federal_Housing_Finance_Agency___Washington_D_C__D_yuiv.md","below_target_min_tokens"]},"text":"---\nsource_url: \"https://www.facebook.com/FHFA\"\ndate_accessed: \"2026-01-27T17:54:20.784Z\"\n---\n"} diff --git a/chunks/json/3bf1bd31b75f88001fdd34f73fd9c847af1d4df2973423ca1a100e508b522270.json b/chunks/json/3bf1bd31b75f88001fdd34f73fd9c847af1d4df2973423ca1a100e508b522270.json new file mode 100644 index 0000000000000000000000000000000000000000..847758303754fde11b92e2f311ed7a9525c7c65e --- /dev/null +++ b/chunks/json/3bf1bd31b75f88001fdd34f73fd9c847af1d4df2973423ca1a100e508b522270.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3368,"char_start":1687,"chunk_id":"chk_0dd37c000873dc4d","chunk_index":1,"chunk_sha256":"3bf1bd31b75f88001fdd34f73fd9c847af1d4df2973423ca1a100e508b522270","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8c2c514a9a3ca3c8","text_sha256":"3bf1bd31b75f88001fdd34f73fd9c847af1d4df2973423ca1a100e508b522270","token_estimate":420,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-readiness-checklist-lenders.pdf"]},"text":" Review, identify and analyze any changes to critical edits implemented in Phases 1 – 3 caused\n\nby UCD v2.0 updates. Note: Some message codes and text have changed.\n\nProvide Training\n\n Review and edit any internal policies, processes, procedures and training as needed to support\n\nUCD v2.0 implementation.\n\n Regularly check each GSE’s UCD web pages for any new and updated FAQs and other\n\nresources.\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks are property of their respective owners.\n\nJune 2025\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by\nFannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.\n\nUCD v2.0 Implementation Timeline\n\nJUNE 30, 2025 — CUSTOMER TEST ENVIRONMENTS AVAILABLE\n\n Contact your vendor(s) to understand their UCD v2.0 timeline to ensure they are able to release\n\nsupporting software and assist in your adoption before the mandate.\n\n Work closely with your vendor(s) to plan testing and implementation of UCD v2.0.\n\n Check each GSE’s UCD webpage to confirm your vendor(s) have completed GSE testing.\n\n Once the software supporting UCD v2.0 has been released, start testing sample XML files in your own\n\nand the GSEs’ test environments.\n\n Take advantage of any training made available by your vendor(s).\n\n Provide timely feedback to your vendor(s) of any application errors or missed requirements so they can\n\nbe addressed, tested and re-released to you for further testing prior to mandates.\n\nSEPTEMBER 29, 2025 — PRODUCTION ENVIRONMENTS AVAILABLE\n\n Work with your vendor(s) to:\n\no Map the ucd:FeeItemType enumerations between your system and your Loan Origination System\n"} diff --git a/chunks/json/3bf364691ca3b53adabca4844bb8b8148ede0590f66e0030be34545bb67a1e25.json b/chunks/json/3bf364691ca3b53adabca4844bb8b8148ede0590f66e0030be34545bb67a1e25.json new file mode 100644 index 0000000000000000000000000000000000000000..dc33c23ee0e54fadc749fffbd547f7b593e6b47d --- /dev/null +++ b/chunks/json/3bf364691ca3b53adabca4844bb8b8148ede0590f66e0030be34545bb67a1e25.json @@ -0,0 +1 @@ +{"chunk":{"char_end":30336,"char_start":28671,"chunk_id":"chk_4973b5ffbd80d8d7","chunk_index":15,"chunk_sha256":"3bf364691ca3b53adabca4844bb8b8148ede0590f66e0030be34545bb67a1e25","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"3bf364691ca3b53adabca4844bb8b8148ede0590f66e0030be34545bb67a1e25","token_estimate":416,"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 8 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nIntroduction\n\nIntroduction\n\nThe Uniform Appraisal Dataset (UAD) is a standardized industry dataset for appraisal information that is\ntransmitted electronically through the Uniform Collateral Data Portal® (UCDP®). At the direction of the Federal\nHousing Finance Agency (FHFA), Fannie Mae and Freddie Mac (the government-sponsored enterprises or GSEs)\njointly developed the first UAD in 2010 using the Mortgage Industry Standards Maintenance Organization\n(MISMO®) Reference Model 2.6, providing consistent data standards for the loans the GSEs purchase.\n\nThe dataset is being updated to reflect changes to the appraisal industry, address future appraisal needs, and\nfacilitate ongoing digitization in the appraisal process and the mortgage industry.\n\nIn the legacy UAD, standardized data was the key to evaluating risk at a macro level. The new dataset will build\non this advancement by:\n• Creating consistent enumerated fields.\n• Keeping the related data together in each section for an easy-to-read report.\n• Reducing subjectivity to enhance impartiality through discrete data versus free-form text.\n• Having conditionality drive what sections appear on the final output, eliminating the need for multiple forms\n\nto support different property and assignment types.\n\nThe updated UAD will help the appraiser more accurately report the characteristics of the subject property and\ncomparables, be more scalable and flexible than the legacy forms, help appraisers comply with the Uniform\nStandards of Professional Appraisal Practice (USPAP), and better define the Scope of Work.\n"} diff --git a/chunks/json/3c2432318c243a15e19610fdad13d7bd9fe23fd3b6ca6a76a455624edcd4a0b1.json b/chunks/json/3c2432318c243a15e19610fdad13d7bd9fe23fd3b6ca6a76a455624edcd4a0b1.json new file mode 100644 index 0000000000000000000000000000000000000000..3151c134ab400c348e2ea39c9e8d6680847205d5 --- /dev/null +++ b/chunks/json/3c2432318c243a15e19610fdad13d7bd9fe23fd3b6ca6a76a455624edcd4a0b1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4874,"char_start":3261,"chunk_id":"chk_62cee432b9355d1b","chunk_index":2,"chunk_sha256":"3c2432318c243a15e19610fdad13d7bd9fe23fd3b6ca6a76a455624edcd4a0b1","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_3c01f0202cf532fe","text_sha256":"3c2432318c243a15e19610fdad13d7bd9fe23fd3b6ca6a76a455624edcd4a0b1","token_estimate":404,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF3_Appraisal/_.xml/SF3_Appraisal_v1.3.xml"]},"text":"image/png\n\nLevelOne\n\nWell Maintained\n\nNewOrLikeNew\n\nUpgraded counters, mid-grade cabinets and appliances\n\nMid Grade Quality\n\nKitchen\n\nFiveToTenYears\n\nPartiallyUpdated\n\n\\\\Images\\SF3_LivingRoom.png\n\nimage/png\n\nLevelOne\n\nLivingRoom\n\nLevelTwo\n\nBedroom\n\nLevelTwo\n\nBedroom\n\nLevelTwo\n\nBedroom\n\nLevelTwo\n\nBedroom\n\nBath2\n\n\\\\Images\\SF3_FullBath2.png\n\nimage/png\n\nLevelTwo\n\nMaintained\n\nTypicalWearAndTear\n\nStandard grade fixtures, floors, and cabinetry\n\nFullBathroom\n\nNotUpdated\n\nBath 3\n\n\\\\Images\\SF3_FullBath3.png\n\nimage/png\n\nLevelTwo\n\nMaintained\n\nTypicalWearAndTear\n\nStandard grade fixtures, floors, and cabinetry\n\nFullBathroom\n\nNotUpdated\n\nColonial\n\nSiteBuilt\n\nAluminum\n\nRecently painted with no 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\nOneToTenYears\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\n1\n\nThe exterior was recently painted, and new windows, doors, and shutters were installed. The roof was replaced within the past 5 years.\n\nCentralized\n\nElectric\n\nForcedWarmAir\n\nWholeHouseWaterTreatment\n\ntrue\n\nfalse\n\nOutbuilding\n\nfalse\n\ntrue\n\nStandaloneADU\n\nElectricity\n\nSanitarySewer\n\nWater\n\nNone\n\nCeramicTile\n\nNo damage or condition issues noted\n\nTypicalWearAndTear\n\nStandard Grade - meets market expectations for this type of unit.\n"} diff --git a/chunks/json/3c480c2d27d4afbef885d80f1802d4d9c908f857d1a32bfdd78f9ffe04366f38.json b/chunks/json/3c480c2d27d4afbef885d80f1802d4d9c908f857d1a32bfdd78f9ffe04366f38.json new file mode 100644 index 0000000000000000000000000000000000000000..5cae3c1e56d87f02f845ea413b13ff7cadbc9e15 --- /dev/null +++ b/chunks/json/3c480c2d27d4afbef885d80f1802d4d9c908f857d1a32bfdd78f9ffe04366f38.json @@ -0,0 +1 @@ +{"chunk":{"char_end":39817,"char_start":37915,"chunk_id":"chk_bd12a4c80e3b1efc","chunk_index":31,"chunk_sha256":"3c480c2d27d4afbef885d80f1802d4d9c908f857d1a32bfdd78f9ffe04366f38","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"3c480c2d27d4afbef885d80f1802d4d9c908f857d1a32bfdd78f9ffe04366f38","token_estimate":475,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"Always displays\n\n… displays\n\n04.043\n\nID\n\n2400.0462 LicenseIdentifier\n\n04.044\n\nState\n\n2400.0463 LicenseIssuingAuthorityStateCode\n\n04.045\n\nExpires\n\n2400.0461 LicenseExpirationDate\n\n04.046 Description\n\n2400.0465 PartyRoleTypeAdditionalDescription\n\nRequired when AppraiserLicenseType <> “None”\nWhen not provided, do not display report label.\n\nRequired when AppraiserLicenseType <> “None”\nWhen not provided, do not display report label.\n\nRequired when AppraiserLicenseType <> “None”\nWhen not provided, do not display report label\n\nDisplay when provided.\nWhen not provided, do not display report label.\n\nAssignment Information and Scope of Work Commentary\n\nThe Assignment Information and Scope of Work Commentary subsection displays when comments are provided. Any commentary must use\nValuationCommentText (UID: 1000.0129, FID: 04.047) and ValuationAnalysisCategoryType (UID: 1000.0128, FID: Not on report) = “Assignment”.\n\n05 Certifications and Scope of Work\n\nPage 34\n\nThe Certifications and Scope of Work sections always display.\n\nPage 35\n\nPage 36\n\nPage 37\n\nScope of Work\n\nThe Scope of Work subsection always displays.\n\nPage 38\n\nReport\nField ID\n\n05.001\n\nScope of Work Text\n\nText Conditionality\n\nThe scope of work for this assignment is based on the applicable assignment elements,\nincluding: the client and any other intended users, the intended use, the definition of\nmarket value as defined in the Uniform Residential Appraisal Report, the effective date, the\nsubject property and its relevant characteristics, and the applicable assignment conditions.\nThe appraiser must, at a minimum: (1) obtain and review adequate and reliable information\nfor the subject property; (2) research, verify, and analyze adequate and reliable data for the\nsubject market area including data for each comparable property reported; and (3) report\nhis or her analyses, opinions, and conclusions in this appraisal report.\n"} diff --git a/chunks/json/3c6527930a374099478d47a71ef0f90cbac2eba28a42a29a9db53d78ac33f052.json b/chunks/json/3c6527930a374099478d47a71ef0f90cbac2eba28a42a29a9db53d78ac33f052.json new file mode 100644 index 0000000000000000000000000000000000000000..fdd778955e62e0b708fa436a2bb12151af4c7188 --- /dev/null +++ b/chunks/json/3c6527930a374099478d47a71ef0f90cbac2eba28a42a29a9db53d78ac33f052.json @@ -0,0 +1 @@ +{"chunk":{"char_end":363521,"char_start":361846,"chunk_id":"chk_0bdf3ea5543ca3b5","chunk_index":212,"chunk_sha256":"3c6527930a374099478d47a71ef0f90cbac2eba28a42a29a9db53d78ac33f052","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3c6527930a374099478d47a71ef0f90cbac2eba28a42a29a9db53d78ac33f052","token_estimate":419,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PARTIES/SUPER\nVISOR/INSPECTION[@AppraisalInspectionPr\nopertyType='Comparable' and\n@AppraisalInspectionType='ExteriorOnly']\n\nPDF Display Format:\nmm/dd/yyyy\n\n1\n\n1\n\nEnumerated\n\nEnumerated\n\nNote: fields 6-40 and 6-42 populate the same MISMO container.\n\n10\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\n1\n\nEnumerated\n\nNote: fields 6-40 and 6-42 populate the same MISMO container.\n\n10\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\n1\n\n1\n\nEnumerated\n\nEnumerated\n\nThis field should be populated if field 6-27\n(Supervisor Name) is populated\n\nIf field 6-27 (Supervisor Name) is populated\nor field 6-15 is populated with 'trainee', then\none and only one of fields 6-34, 6-35\n(Appraiser License Identifier) must be\npopulated\nIf field 6-27 (Supervisor Name) is populated\nor field 6-15 is populated with 'trainee', then\none and only one of fields 6-34, 6-35\n(Appraiser License Identifier) must be\npopulated\nThis 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, 6-\n41 (Appraisal Inspection Property Type =\n'Subject' and values of Appraisal Inspection\nType) should be indicated.\nIf 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 6-39 (Appraisal Inspection Property\nType = 'Subject' and Appraisal Inspection\nType = 'ExteriorOnly') is indicated this field\nshould be populated.\n"} diff --git a/chunks/json/3c664a6ec80cd2af9f306eb6c5d61cb13335fedd3ce08a6aa1968adc70f9c57b.json b/chunks/json/3c664a6ec80cd2af9f306eb6c5d61cb13335fedd3ce08a6aa1968adc70f9c57b.json new file mode 100644 index 0000000000000000000000000000000000000000..e55da23327c4468e01f042c0917c57bd7230d16a --- /dev/null +++ b/chunks/json/3c664a6ec80cd2af9f306eb6c5d61cb13335fedd3ce08a6aa1968adc70f9c57b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":99217,"char_start":97336,"chunk_id":"chk_3d551eb3eef12836","chunk_index":58,"chunk_sha256":"3c664a6ec80cd2af9f306eb6c5d61cb13335fedd3ce08a6aa1968adc70f9c57b","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3c664a6ec80cd2af9f306eb6c5d61cb13335fedd3ce08a6aa1968adc70f9c57b","token_estimate":471,"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 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\n90\n\n1\n\n86\n\nSITE\n\nArea\n\nSite Area Description\n\nA free-form text field used to specify\nthe site area such as \"2.34 acres\" or\n\"4,760 square feet.\"\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n/@_AreaDescription\n\n20\n\nString\n\nUAD Requirement - Refer to Appendix D Site Section\nThe total size of the entire site/parcel must be entered. No other data should be\nentered in this field. For sites/parcels that have an area of less than 1 acre, the\nsize must be reported in square feet (whole numbers only, e.g. 27840 sf).\nSites/parcels that have an area of 1.00 acre or greater must be reported in\nacreage to two decimal places (e.g. 8.35 ac).\n\nPDF Display Format:\nIf less than 1 acre: Square feet, whole numbers only. If 1.00 acre or more:\nAcres, numeric to 2 decimal places. Indicate the unit of measure as either 'sf'\nfor square feet or 'ac' for acres as appropriate.\n\nExamples:\n· 6400 sf\n· 3.40 ac\n\n91\n\n1\n\n87\n\nSITE\n\nShape\n\nSite Feature\nComment\n\nA free-form text field used to describe\nor comment on the aspect of the\nproperty named in the Site Feature\nType.\n\n/VALUATION_RESPONSE/PROPERTY/SITE\n/SITE_FEATURE[@_Type='Shape']/@_Comme\nnt\n\n92\n\n1\n\ne-5\n\nSITE\n\nView\n\nGSE View Overall\nRating Type\n\nThe overall rating of the view\nassociated with the property.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/C\nOMPARISON_VIEW_OVERALL_RATING_E\nXTENSION/COMPARISON_VIEW_OVERAL\nL_RATING_EXTENSION_SECTION[@Exten\nsionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_VIEW_OVERAL\nL_RATING_EXTENSION_SECTION_DATA/\nCOMPARISON_VIEW_OVERALL_RATING/\n@GSEViewOverallRatingType\n"} diff --git a/chunks/json/3c67520fb6a1c06d82d95b5cb0f1a1de271bcf6e88a0b5adadb72be46241e55c.json b/chunks/json/3c67520fb6a1c06d82d95b5cb0f1a1de271bcf6e88a0b5adadb72be46241e55c.json new file mode 100644 index 0000000000000000000000000000000000000000..3cf074d9856ad531b107ed2475bb888be5613f5d --- /dev/null +++ b/chunks/json/3c67520fb6a1c06d82d95b5cb0f1a1de271bcf6e88a0b5adadb72be46241e55c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":411763,"char_start":410132,"chunk_id":"chk_15042304b5b637a0","chunk_index":231,"chunk_sha256":"3c67520fb6a1c06d82d95b5cb0f1a1de271bcf6e88a0b5adadb72be46241e55c","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"3c67520fb6a1c06d82d95b5cb0f1a1de271bcf6e88a0b5adadb72be46241e55c","token_estimate":408,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"This estimate includes\n5.6.3 Property Taxes\n5.6.4 Homeowners Insurance\n5.6.5 Other: Homeowners Assn Dues\n\nIn escrow?\nYES\nYES\nNO\n\nSee Escrow Account on page 4 for details. You must pay for other\nproperty costs separately.\n\nFigure 111. Projected Payments Table Escrow Fields\n\nOther Costs\n\n8.0\n\nBorrower-Paid\n\nSeller-Paid\n\nAt Closing\n\nBefore Closing\n\nAt Closing\n\nBefore Closing\n\nPaid by\nOthers\n\n8.10 G. Initial Escrow Payment at Closing\n\n8.10.1 $576.96\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 ($82.35 per month for 2\n\n8.12.2 $164.70\n\nmo.)\n\n038.13 Property Taxes 8.13.1 ($105.30 per month for 2 mo.) 8.13.2 $210.30\n\n8.11.4\n\n8.12.4\n\n8.13.4\n\n8.11.6\n\n8.12.6\n\n8.13.6\n\nAppendix E: UCD Implementation Guide\n\nPage 192 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n18.0 Escrow Account - UPDATED\n\nFigure 112. Initial Escrow Payment at Closing\n\nThe data points used to support the Escrow Account section when an escrow account is established are\nillustrated below.\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\n\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\nTable 127. Escrow Account Established\n\n18.2\n\nEscrowed Property\nCosts over Year 1 ($)\n\n…/INTEGRATED_DISC\nLOSURE_DETAIL\n\nFirstYearTotalEscrow\nPaymentAmount\n\n3461.76\n\n18.2.1 …for your escrowed\nproperty costs: (list)\n\n18.3 Non-Escrowed\n\nProperty Costs over\nYear 1\n\n18.3.1 …for your non-\n\nescrowed property\ncosts: (list)\n\nFirstYearTotalEscrow\nPaymentDescription\n\nHomeowner’s\nInsurance, Property\nTaxes, MI\n\nFirstYearTotalNonEsc\nrowPaymentAmount\n\n1800.00\n\nFirstYearTotalNonEsc\nrowPaymentDescript\nion\n"} diff --git a/chunks/json/3c6b50d6d2928d90b721210921c9a7dc31d31dd21007615027d033b6267a73d2.json b/chunks/json/3c6b50d6d2928d90b721210921c9a7dc31d31dd21007615027d033b6267a73d2.json new file mode 100644 index 0000000000000000000000000000000000000000..f6b2c0ec04763faa944000d252e7b15b63c68bfe --- /dev/null +++ b/chunks/json/3c6b50d6d2928d90b721210921c9a7dc31d31dd21007615027d033b6267a73d2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1214783,"char_start":1213592,"chunk_id":"chk_1caa6bc4317c91af","chunk_index":721,"chunk_sha256":"3c6b50d6d2928d90b721210921c9a7dc31d31dd21007615027d033b6267a73d2","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3c6b50d6d2928d90b721210921c9a7dc31d31dd21007615027d033b6267a73d2","token_estimate":461,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"If field 2-41 is populated, then this field should\nbe populated.\n\nThe sum of this field 2-98 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, 2-96, 2-100) must add up\nto Net Adjustment field 2-103.\n\nIf field 2-43 is populated, then this field should\nbe populated.\n\nThe sum of this field 2-100 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2-\n71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-\n88, 2-90, 2-92, 2-94, 2-96, 2-98) must add up\nto Net Adjustment field 2-103.\n\nIf the value of field 2-103 (Sale Price Total\nAdjustment Amount) is non-zero, one and only\none of fields 2-101 or 2-102 values of (Sales\nPrice Total Adjustment Positive Indicator)\nshould be indicated.\nIf the value of field 2-103 (Sale Price Total\nAdjustment Amount) is non-zero, one and only\none of fields 2-101 or 2-102 values of (Sales\nPrice Total Adjustment Positive Indicator)\nshould be indicated.\n\nAll the fields (2-53, 2-55, 2-57, 2-59, 2-61, 2-\n63, 2-65, 2-67, 2-69, 2-71, 2-73, 2-74, 2-78, 2-\n80, 2-82, 2-84, 2-86, 2-88, 2-90, 2-92, 2-94, 2-\n96, 2-98, 2-100) must add up to this Net\nAdjustment amount.\n"} diff --git a/chunks/json/3c8609d4a17977d016a09fec949e35753280e9e5f666611b4142781375566340.json b/chunks/json/3c8609d4a17977d016a09fec949e35753280e9e5f666611b4142781375566340.json new file mode 100644 index 0000000000000000000000000000000000000000..8bd267bb837db3859dac5da9f6170713a68f08b1 --- /dev/null +++ b/chunks/json/3c8609d4a17977d016a09fec949e35753280e9e5f666611b4142781375566340.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20949,"char_start":19232,"chunk_id":"chk_091c34d49bc8dd92","chunk_index":11,"chunk_sha256":"3c8609d4a17977d016a09fec949e35753280e9e5f666611b4142781375566340","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"3c8609d4a17977d016a09fec949e35753280e9e5f666611b4142781375566340","token_estimate":429,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"02.002 Opinion of\n\nAlways required\n\nDollar amount\n\nIn the original appraisal, market value as defined in the report.\n\nMarket Value\n\n02.003 Reasonable\n\nAlways required\n\nExposure Time\n\nNumber of days or\nrange of days\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 original appraisal report\neffective date.\n\n02.004 Appraiser\n\nAlways required\n\nFree-form\n\n02.005 Reference ID\n\nAlways required\n\nFree-form\n\nThe name of the primary signatory from the original appraisal report.\nNote: Additional signatories must be identified in Appraisal Update\nCommentary (03.003).\n\nOriginal Appraiser Reference ID: In the original appraisal report, an identifier or\nnumber created by the appraiser to identify their report, generally referred to\nas the appraiser’s file number.\n\n02.006 Original Lender\n\nAlways required\n\nFree-form\n\nThe lender identified in the original appraisal report.\n\nAppendix F-2: Appraisal Update Report Reference Guide\n\nPage 11 of 28\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n03 Appraisal Update\n\n03 Appraisal Update\n\nThe Appraisal Update section always displays.\n\nAppraisal Update\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n03.001 Effective Date\n\nAlways required\n\nmm/dd/yyyy\n\n03.002 Has the market\n\nAlways required\n\nYes | No\n\nvalue of the\nsubject property\ndecreased since\nthe effective\ndate of the\noriginal\nappraisal?\n\nDefinition / Additional Guidance\n\nFor the appraisal update, the date to which the appraiser’s analyses, opinions,\nand conclusions applied.\n\nReference published guidelines by the GSEs, government agencies, or other\nidentified secondary market participants for specific guidance.\n"} diff --git a/chunks/json/3c925e6508e1a6eef249ccb09032ac3fcecedc8a22656bf863794ad335a6af15.json b/chunks/json/3c925e6508e1a6eef249ccb09032ac3fcecedc8a22656bf863794ad335a6af15.json new file mode 100644 index 0000000000000000000000000000000000000000..01928c8565a052a230bff00b8a5ffad2f1120c35 --- /dev/null +++ b/chunks/json/3c925e6508e1a6eef249ccb09032ac3fcecedc8a22656bf863794ad335a6af15.json @@ -0,0 +1 @@ +{"chunk":{"char_end":38451,"char_start":36724,"chunk_id":"chk_9374f878a6afa645","chunk_index":23,"chunk_sha256":"3c925e6508e1a6eef249ccb09032ac3fcecedc8a22656bf863794ad335a6af15","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ae699ea5c646d934","text_sha256":"3c925e6508e1a6eef249ccb09032ac3fcecedc8a22656bf863794ad335a6af15","token_estimate":431,"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":"3 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 2024\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\nOpinion of Market Value\nMarket Value Condition\n\n$785,000\nAs Is\n\nReasonable Exposure Time\nEffective Date of Appraisal\n\n30-60 days\n05/01/2023\n\nReconciliation of Market Value\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nApparent Defects, Damages, Deficiencies\n\nNone\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n"} diff --git a/chunks/json/3c9577a35dc8d10107555ece3c865bfee78f35dc074dfc24df7008c5f5a47baf.json b/chunks/json/3c9577a35dc8d10107555ece3c865bfee78f35dc074dfc24df7008c5f5a47baf.json new file mode 100644 index 0000000000000000000000000000000000000000..e71686a58d8c366ad441708fd54f9bacbe313b4f --- /dev/null +++ b/chunks/json/3c9577a35dc8d10107555ece3c865bfee78f35dc074dfc24df7008c5f5a47baf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":907839,"char_start":906236,"chunk_id":"chk_424acf7f762d0a24","chunk_index":539,"chunk_sha256":"3c9577a35dc8d10107555ece3c865bfee78f35dc074dfc24df7008c5f5a47baf","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3c9577a35dc8d10107555ece3c865bfee78f35dc074dfc24df7008c5f5a47baf","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Sale 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='SalesConcessions']/@_Amount\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\n390\n\n3\n\ne-26\n\nSALES\nCOMPARISON\nAPPROACH\n\nConcessions\n(Line 2)\n\nGSE Financing\nType\n\nThe type of financing associated with the\ncomparable transaction.\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/@GSEFinancingType\n\n12\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\nFHA FHA\nVA VA\nConventional Conv\nCash Cash\nSeller Seller\nRuralHousing RH\nOther *\n\n*See field e-27 directly below.\n\nR\n\nCR\n\nThe sum of this field 3-60 and fields (3-62,\n3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3-76, 3-\n78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, 3-93,\n3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3-\n107, 3-109, 3-111) must add up to Net\nAdjustment field 3-116.\n\nIf the value of field e-29 is 'SettledSale', this\nfield is required.\n"} diff --git a/chunks/json/3c99677c1698c5eed8c38970c85b28ecb11acc04dac6308518876bf683d1a106.json b/chunks/json/3c99677c1698c5eed8c38970c85b28ecb11acc04dac6308518876bf683d1a106.json new file mode 100644 index 0000000000000000000000000000000000000000..07f2fb03ac17120a89397e0f51864134a837ac8d --- /dev/null +++ b/chunks/json/3c99677c1698c5eed8c38970c85b28ecb11acc04dac6308518876bf683d1a106.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7819,"char_start":6458,"chunk_id":"chk_61541293ba0e9f61","chunk_index":4,"chunk_sha256":"3c99677c1698c5eed8c38970c85b28ecb11acc04dac6308518876bf683d1a106","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_698a10a0e5f6da7f","text_sha256":"3c99677c1698c5eed8c38970c85b28ecb11acc04dac6308518876bf683d1a106","token_estimate":400,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Hybrid_70H.pdf"]},"text":"e-14; e-15; e-16\n\ne-14; e-15; e-16\n\n+(-) $ Adjustment\n\n52\ne-26; e-27; e-28\n\n52\ne-26; e-27; e-28\n\n12a 12b 12c\nProximity to Subject\nSale Price\n$ 13\nSale Price/Gross Liv. Area $ 14\nData Source(s)\nVerification Source(s)\nVALUE ADJUSTMENTS\nSale or Financing\nConcessions\nDate of Sale/Time\nLocation\nLeasehold/Fee Simple\nSite\nView\nDesign (Style)\nQuality of Construction\nActual Age\nCondition\nAbove Grade\nRoom Count\nGross Living Area\nBasement & Finished\nRooms Below Grade\nFunctional Utility\nHeating/Cooling\nEnergy Efficient Items\nGarage/Carport\nPorch/Patio/Deck\n39\n41\n43\nNet Adjustment (Total)\nAdjusted Sale Price\nof Comparables\nI did did not research the sale or transfer history of the subject property and comparable sales. If not, explain 107\n 105\n\ne-18; e-19; e-20\ne-21; e-22; e-23; e-24\n\ne-18; e-19; e-20\ne-21; e-22; e-23; e-24\n\ne-18; e-19; e-20\ne-21; e-22; e-23; e-24\n\nNet Adj. 103a %\nGross Adj. 103b %\n\nNet Adj. 103a %\nGross Adj. 103b %\n\nBaths Total Bdrms. Baths\n\n95\n97\n99\n102\n\nTotal Bdrms. Baths\n\nTotal Bdrms.\n\n+ -\n\n96\n98\n100\n\ne-5; e-6; e-7\n\n+ -\n\n31 sq. ft.\n\n79 sq. ft.\n\n79 sq. ft.\n\n95\n97\n99\n\n40\n42\n44\n\ne-17; 70\n\ne-17; 26\n\ne-17; 70\n\n$ 104\n\n$ 103\n\n$ 104\n\n$ 103\n\n106\n\n82\n84\n\n101\n\n102\n\n101\n\n65\n\n74\n\n71\n\n88\n\n92\n\n89\n\n94\n\n91\n\n93\n\n87\n\n90\n\n73\n\n72\n\n85\n\n78\n\n75\n\n69\n\n68\n\n77\n\n67\n\n66\n\n80\n\n86\n\n77\n\n28\n\n87\n\n89\n\n37\n\n93\n\n38\n\n91\n\n36\n\n27\n\n35\n\n75\n\n76\n\n68\n\n72\n\n85\n\n34\n\n30\n\n76\n\n29\n"} diff --git a/chunks/json/3c9c95603f19b5352d96fe02c725b6074082640219746aa0dc482a2a9118722b.json b/chunks/json/3c9c95603f19b5352d96fe02c725b6074082640219746aa0dc482a2a9118722b.json new file mode 100644 index 0000000000000000000000000000000000000000..80790dcb81c753f0f5595f2c3721e318b835ee84 --- /dev/null +++ b/chunks/json/3c9c95603f19b5352d96fe02c725b6074082640219746aa0dc482a2a9118722b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8668,"char_start":6903,"chunk_id":"chk_d80bb88223a26088","chunk_index":4,"chunk_sha256":"3c9c95603f19b5352d96fe02c725b6074082640219746aa0dc482a2a9118722b","date_utc":"2026-01-27T17:46:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5242e4bddac7e14d","text_sha256":"3c9c95603f19b5352d96fe02c725b6074082640219746aa0dc482a2a9118722b","token_estimate":442,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/condition-and-quality-rating-definitions-pdf.pdf"]},"text":"Q1\n\nQ2\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nSpacious rooms with high ceilings featuring\nextensive use of treatments (e.g., coved,\nbarrel, cupola, coffered, beamed) and\nexceptional grade trim and custom\nmillwork throughout.\nExceptional grade, often rare or imported\nflooring materials, frequently featuring\ninlay work or other customization.\nSpacious 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.\nLuxury bathrooms, often oversized and\nfeaturing exceptional quality materials and\nmultiple ornate or state‐of‐the‐art fixtures\nand features.\n\nSpacious 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.\nHigh‐grade floor coverings designed for the\nhighest level of durability and occasionally\nfeaturing inlays or other customization.\nLarge kitchens featuring high‐end\nappliances, extensive cabinetry, and\ncountertops.\nLarge bathrooms specifically dedicated to\ncertain bedrooms as well as at least one\ncommon bathroom; containing high‐end\ncountertops, cabinetry, and plumbing\nfixtures.\n\n\n\n\n\n\n\nCustom fenestration and doorways using\nexceptional grade materials and engineering;\nfeaturing keystones or detailed mouldings\nthroughout.\nRoof designs using premium materials\ndesigned for longevity and resistance to\nweather; often featuring large ornamental\noverhangs, multiple hips and valleys, or\nsteep pitches.\nExterior walls constructed using exceptional\ngrade materials, often featuring multiple\ncorners, unique angles and shapes, and\nextensive use of trim or decorative\nadornments.\n"} diff --git a/chunks/json/3cbc39fcbbd9c85734d8750829ed9f184de795f29babb7a0197167312d30208a.json b/chunks/json/3cbc39fcbbd9c85734d8750829ed9f184de795f29babb7a0197167312d30208a.json new file mode 100644 index 0000000000000000000000000000000000000000..4d644ac90a15d5d042f7cd892fff2abf010ce408 --- /dev/null +++ b/chunks/json/3cbc39fcbbd9c85734d8750829ed9f184de795f29babb7a0197167312d30208a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1140453,"char_start":1138690,"chunk_id":"chk_5223d34464442f3c","chunk_index":677,"chunk_sha256":"3cbc39fcbbd9c85734d8750829ed9f184de795f29babb7a0197167312d30208a","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3cbc39fcbbd9c85734d8750829ed9f184de795f29babb7a0197167312d30208a","token_estimate":441,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"29\n\nSALES\nCOMPARISON\nAPPROACH\n\nAbove Grade Room Count\nTotal\n\nTotal Room Count\n\nSpecifies the total number of livable\nrooms.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/ROOM_\nADJUSTMENT/@TotalRoomCount\n\nSALES\nCOMPARISON\nAPPROACH\n\nAbove Grade Room Count\nBdrms.\n\nTotal Bedroom\nCount\n\nSpecifies the total number of bedrooms.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/ROOM_\nADJUSTMENT/@TotalBedroomCount\n\n252\n\n2\n\n30\n\nSALES\nCOMPARISON\nAPPROACH\n\nAbove Grade Room Count\nBaths\n\nTotal Bathroom\nCount\n\nSpecifies the total number of bathrooms.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/ROOM_\nADJUSTMENT/@TotalBathroomCount\n\n253\n\n2\n\n31\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_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_P\nRICE_ADJUSTMENT[@_Type='GrossLivingArea']/@_Description\n\n254\n\n2\n\ne-18\n\nSALES\nCOMPARISON\nAPPROACH\n\n(Basement Area)\n\nGSE Below Grade\nTotal Square Feet\nNumber\n\nThe total area of property improvements\nbelow grade.\n\nBasement & Finished\n(line 1)\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/@GSEBelowGradeTotalSquareFeetNumber\n"} diff --git a/chunks/json/3ce8d3617fdb4197edc60d6b1e12760d74f1dc8c92d56cdcf20801f4c85bf5db.json b/chunks/json/3ce8d3617fdb4197edc60d6b1e12760d74f1dc8c92d56cdcf20801f4c85bf5db.json new file mode 100644 index 0000000000000000000000000000000000000000..3bbaec42e47a9489077d3d1655e3e6c9db55300e --- /dev/null +++ b/chunks/json/3ce8d3617fdb4197edc60d6b1e12760d74f1dc8c92d56cdcf20801f4c85bf5db.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1678,"char_start":0,"chunk_id":"chk_3ff4e64f183a72ee","chunk_index":0,"chunk_sha256":"3ce8d3617fdb4197edc60d6b1e12760d74f1dc8c92d56cdcf20801f4c85bf5db","date_utc":"2026-01-27T18:02:20+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_f614cccc0cf88f2f","text_sha256":"3ce8d3617fdb4197edc60d6b1e12760d74f1dc8c92d56cdcf20801f4c85bf5db","token_estimate":420,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loan-release-nov-19-2022.pdf"]},"text":"DU for Government Loans Release Notes\nNov. 2022 Release\n\nOct. 19, 2022\n\nDuring the weekend of Nov. 19, 2022, Desktop Underwriter® (DU®) for government loans will be updated with the changes\nspecified below. These changes will apply to all loan casefiles submitted or resubmitted on or after the weekend of Nov. 19, 2022.\n\nN O T E : For ease of reference, this document generally uses the term “DU” to refer to “DU for government loans.”\n\nSupport of the new FHA Positive Rental History Indicator\n\nOn Sept. 27, 2022, FHA published Mortgagee Letter 2022-17 specifying the introduction of positive rental history. On Sept. 28,\n2022, Fannie Mae published the DU Specification (DU Spec) version 1.8.3, which included a new indicator related to positive rental\npayment history. DU will now accept this optional indicator and send it to FHA for use by the FHA TOTAL scorecard. The indicator\nwill be added to the Government section of the Desktop Originator® (DO®)/(DU) user interface and be called: Positive Rental\nHistory.\n\nWhen the lender specifies that there is positive rental history on an FHA Purchase loan casefile with a “Yes” in the Positive Rental\nHistory indicator, DU will issue a message stating that Positive Rental History was received. Lenders should ensure that all\naspects of the FHA Positive Rental History policy are being met, including First Time Homebuyer status and the Minimum Decision\nCredit Score.\n\nAdditional 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"} diff --git a/chunks/json/3cedadee840f5b9092f0c7e8226594d9f0135108866306f1480723bde794c8f4.json b/chunks/json/3cedadee840f5b9092f0c7e8226594d9f0135108866306f1480723bde794c8f4.json new file mode 100644 index 0000000000000000000000000000000000000000..fa3526d2021f863709d4fcb160042efaa26c4162 --- /dev/null +++ b/chunks/json/3cedadee840f5b9092f0c7e8226594d9f0135108866306f1480723bde794c8f4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1765,"char_start":0,"chunk_id":"chk_1267aa6088c9803e","chunk_index":0,"chunk_sha256":"3cedadee840f5b9092f0c7e8226594d9f0135108866306f1480723bde794c8f4","date_utc":"2026-01-27T17:54:23+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_872df3150ef91ae4","text_sha256":"3cedadee840f5b9092f0c7e8226594d9f0135108866306f1480723bde794c8f4","token_estimate":539,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Equal_Employment_Opportunity_and_the_No_FEAR_Act___x017zs.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/about/fhfa-policies/equal-employment-opportunity-no-fear-act\"\ndate_accessed: \"2026-01-27T17:54:20.338Z\"\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/3cf28fcc307f736f3e2e8c28faffe2b0ec47ecd288e717c32b4724c3f9d27419.json b/chunks/json/3cf28fcc307f736f3e2e8c28faffe2b0ec47ecd288e717c32b4724c3f9d27419.json new file mode 100644 index 0000000000000000000000000000000000000000..643c28e271b7b8fc475b80021a7b7a0600d5f321 --- /dev/null +++ b/chunks/json/3cf28fcc307f736f3e2e8c28faffe2b0ec47ecd288e717c32b4724c3f9d27419.json @@ -0,0 +1 @@ +{"chunk":{"char_end":238636,"char_start":237656,"chunk_id":"chk_1eb8881363e5ded2","chunk_index":123,"chunk_sha256":"3cf28fcc307f736f3e2e8c28faffe2b0ec47ecd288e717c32b4724c3f9d27419","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"3cf28fcc307f736f3e2e8c28faffe2b0ec47ecd288e717c32b4724c3f9d27419","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"8.1.1 $85.00\n\n8.2.2\n\n$40.00 8.2.3\n\n8.2.4\n\n8.2.5\n\n8.2.6\n\n8.4 F. Prepaids\n\n8.4.1 $2,229.80\n\n018.5 Homeowner’s Ins Premium (12 mo.) to Ins Co8.5.1 8.5.2 $1,209.96 8.5.3\n\n8.5.4\n\n8.5.5\n\n8.5.6\n\n8.10 G. Initial Escrow Payment at Closing\n018.11 Homeowner’s Ins ($100.83 per month for 2 mo.)\n\n8.11.1\n\n8.10.1 $630.25\n\n8.11.2 $201.66\n\n8.11.4\n\n8.11.6\n\n8.16 H. Other\n\n8.16.1 $1,650.00\n\n018. 17 HOA Special Assessment to HOA Acre Inc. 8.17.1 8.17.2 $500.00 8.17.3\n\n8.17.4\n\n8.17.5\n\n8.17.6\n\nAppendix E: UCD Implementation Guide\n\nPage 108 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n7.0 - 9.0 Closing Cost Details Tables Overview - UPDATED\n\n8.18 I. TOTAL OTHER COSTS (Borrower-Paid)\n\n8.18.1 $4,595.05\n\n8.19 Other Cost Subtotals (E + F + G + H)\n\n8.19.2 $4,268.05 8.19.3\n\n9.1 J. TOTAL CLOSING COSTS (Borrower-Paid)\n\n9.1.1 $10,197.10\n\n9.2 Closing Costs Subtotals (D + I)\n9.3 Lender Credits 9.3.1 (Includes $0 credit for\ntolerance cure)\n\n9.2.2 $10,167.30 9.2.3\n\n$29.80 9.2.4 $12,800.00 9.2.5\n"} diff --git a/chunks/json/3cf31fb63e3aa36341ec986eb0d670421e0132b158a05ce0d25e563678a25c23.json b/chunks/json/3cf31fb63e3aa36341ec986eb0d670421e0132b158a05ce0d25e563678a25c23.json new file mode 100644 index 0000000000000000000000000000000000000000..0f3046047dd107f82e3974685d4cb666cfd3dcdc --- /dev/null +++ b/chunks/json/3cf31fb63e3aa36341ec986eb0d670421e0132b158a05ce0d25e563678a25c23.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10495,"char_start":8635,"chunk_id":"chk_e7f7ee6536b83172","chunk_index":5,"chunk_sha256":"3cf31fb63e3aa36341ec986eb0d670421e0132b158a05ce0d25e563678a25c23","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e6198def01e57e81","text_sha256":"3cf31fb63e3aa36341ec986eb0d670421e0132b158a05ce0d25e563678a25c23","token_estimate":464,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Mortgage_Loan_and_Natural_Disaster_Dashboard_Instr_oi7g4.md"]},"text":"*Figure 1: Dashboard Landing Page*\n\nThe official name of the dashboard is the “Mortgage Loan and Natural Disaster Dashboard,” but throughout these FAQs we will refer to it as the “dashboard” for simplicity.****The default settings of the dashboard show the nationwide map with the census-tract-level composite National Risk Index (NRI) Ratings. The filters are located on the dashboard's right side, allowing the user to navigate the map, charts, and tables in the dashboard.\n\nThe first filter box, \"Select Chart/Table,\" will enable you to browse various information in the dashboard. The \"Acquisition\" option in the filter shows the loan acquisition counts and total acquisition unpaid principal balance (UPB) of the loans in selected communities acquired by FHFA’s regulated entities, both single-family and multifamily. The \"National Risk Index\" option shows census tract-level NRI indices and Expected Annual Losses from the selected hazard. It also provides state and national averages of NRI indices. The \"Acquisition Distribution by Risk Rating\" tab shows the distributions of acquisition UPB by the risk ratings for selected hazards. It provides nationwide distribution, as well as for the selected state, county, and census tract.\n\nThe filter box number 2, \"Duty to Serve High Needs Area,\" allows users to keep only the Duty to Serve high needs areas or exclude them from their results.\n\nThe last filter box lets users change the geographic area. It applies to all the maps, tables, and charts in the dashboard. The dashboard shows the nationwide result when all the geographic filters are (all). Once a state is selected, the results will be state-level, once a county is selected, the results will be county-level, and once a tract is selected, the results will be tract-level. The dashboard provides information down to the census-tract level.\n"} diff --git a/chunks/json/3cf9358be5f0f65c8781419f329d528ba10fbbfe2487f80ce3b7fd60430b0e02.json b/chunks/json/3cf9358be5f0f65c8781419f329d528ba10fbbfe2487f80ce3b7fd60430b0e02.json new file mode 100644 index 0000000000000000000000000000000000000000..ba4f52da5d146dd8ccb4d1064c8d20837e700685 --- /dev/null +++ b/chunks/json/3cf9358be5f0f65c8781419f329d528ba10fbbfe2487f80ce3b7fd60430b0e02.json @@ -0,0 +1 @@ +{"chunk":{"char_end":837024,"char_start":835410,"chunk_id":"chk_9f913439c9ae85d7","chunk_index":497,"chunk_sha256":"3cf9358be5f0f65c8781419f329d528ba10fbbfe2487f80ce3b7fd60430b0e02","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3cf9358be5f0f65c8781419f329d528ba10fbbfe2487f80ce3b7fd60430b0e02","token_estimate":404,"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\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 146 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\n277\n\n2\n\n75\n\nUNIT\nIMPROVEMENTS\n\nCar Storage\nGarage\n\nCar Storage\nLocation Type\n\nSpecifies the location and type of the Car\nStorage Location.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE/CAR\n_STORAGE_LOCATION[@_Type='Garage']/@_ExistsIndicator\n\n278\n\n2\n\n76\n\nUNIT\nIMPROVEMENTS\n\nCar Storage\nCovered\n\nCar Storage\nLocation Type\n\nSpecifies the location and type of the Car\nStorage Location.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE/CAR\n_STORAGE_LOCATION[@_Type='Covered']\n\n279\n\n2\n\n77\n\nUNIT\nIMPROVEMENTS\n\nCar Storage\nOpen\n\nCar Storage\nLocation Type\n\nSpecifies the location and type of the Car\nStorage Location.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE/CAR\n_STORAGE_LOCATION[@_Type='Open']\n\n280\n\n281\n\n282\n\n283\n\n284\n\n2\n\n2\n\n2\n\n2\n\n2\n\n78\n\n79\n\n80\n\n81\n\n82\n\nUNIT\nIMPROVEMENTS\n\n# of Cars\n\nUNIT\nIMPROVEMENTS\n\nCar Storage\nAssigned\n\nUNIT\nIMPROVEMENTS\n\nCar Storage\nOwned\n\nUNIT\nIMPROVEMENTS\n\nParking Space #\n\nParking Spaces\nCount\n\nSpecifies the number of vehicle parking\nspaces (i.e., the number of parking spaces\nin a garage, carport or condominium\ncomplex).\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE/@Pa\nrkingSpacesCount\n\nParking Space\nAssignment Type\n\nParking Space\nAssignment Type\n\nParking Space\nIdentifier\n"} diff --git a/chunks/json/3d049cfacb4731f53ab73bf963a0023ed42b8bf5e26daed60de51f4e6ddc5ce8.json b/chunks/json/3d049cfacb4731f53ab73bf963a0023ed42b8bf5e26daed60de51f4e6ddc5ce8.json new file mode 100644 index 0000000000000000000000000000000000000000..fafe299944613a0fcd26327c20c96fd1ccbd69ed --- /dev/null +++ b/chunks/json/3d049cfacb4731f53ab73bf963a0023ed42b8bf5e26daed60de51f4e6ddc5ce8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8559,"char_start":6820,"chunk_id":"chk_9af03674abf6f75c","chunk_index":4,"chunk_sha256":"3d049cfacb4731f53ab73bf963a0023ed42b8bf5e26daed60de51f4e6ddc5ce8","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3c733ad8fc557aa7","text_sha256":"3d049cfacb4731f53ab73bf963a0023ed42b8bf5e26daed60de51f4e6ddc5ce8","token_estimate":434,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.pdf/Condo1_Appraisal_v1.3.pdf"]},"text":"Site Features and Impact to Value/Marketability\n\nFeature\nHazard Zone\n\nDetail\nNo Hazard Zone Noted\n\nImpact\n\nComment\n\nSite Characteristic\n\nLandscaping\n\nNeutral\n\nExotic trees and premium shrubs are sited along the\nfoundation of the building.\n\nSite Features Commentary Additional commentary can be added here, if needed by Appraiser.\n\nUtilities and Impact to Value/Marketability\n\nBroadband Internet Available\n\nYes\n\nPrivate\n\nDetail\n\nPrivate Utility\nImpact\n\nComment\n\nElectricity\n\nGas\n\nSanitary Sewer\n\nWater\n\nPublic\n\n\n\n\n\nApparent Defects, Damages, Deficiencies (Site)\n\nNone\n\nSite Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nAppraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 4 of 22\nPage 4 of 22\n\nSite (continued)\n\nSite Exhibits\n\nProperty Boundaries\n\nProperty Access (Street Scene)\n\nThis is where the Property Access photo would display.\n\nAppraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 5 of 22\nPage 5 of 22\n\nSketch\n\nMeasurement Standard\n\nFloor Plan\n\nNot Applicable due to\nproperty type\n\n14'\n\n14'\n\nCvd Balcony\n\n4\n\n'\n\nBedroom\n\nBath\n\nBath\n\n'\n\n1\n4\n\nLiving Room\n\nFirst Floor\n[1,092 Sq. Ft.]\n\nDining Room\n\n3\n7\n\n'\n\nBedroom\n\nKitchen\n\n28'\n\nArea Calculations Summary\n\nSketch Commentary\n\nThe subject’s condominium unit is part of an apartment/multifamily building. The ANSI measurement standard does not apply to apartment/\nmultifamily buildings. Dimensions provided in the floor plan are interior perimeter unit measurements.\n"} diff --git a/chunks/json/3d075db2f558dffed242ab65e9042053e1a034b2b0940964ca029da9f6c70402.json b/chunks/json/3d075db2f558dffed242ab65e9042053e1a034b2b0940964ca029da9f6c70402.json new file mode 100644 index 0000000000000000000000000000000000000000..e839bb9ab6168385a8643b30062373164547ed77 --- /dev/null +++ b/chunks/json/3d075db2f558dffed242ab65e9042053e1a034b2b0940964ca029da9f6c70402.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12004,"char_start":10222,"chunk_id":"chk_18c9987947cff647","chunk_index":6,"chunk_sha256":"3d075db2f558dffed242ab65e9042053e1a034b2b0940964ca029da9f6c70402","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_c5040f543aae68ba","text_sha256":"3d075db2f558dffed242ab65e9042053e1a034b2b0940964ca029da9f6c70402","token_estimate":442,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Frequently_Asked_Questions___FHFA_rl1net.md"]},"text":"- ### [FAQs - Principal Reduction Modification](/faqs/faqs-principal-reduction-modification)\n\n**Published: Thursday, April 14, 2016**\n\n1. What is the new Principal Reduction Modification program offered by Fannie Mae and Freddie Mac (the Enterprises)?The Enterprises, at the direction of the Federal Housing Finance Agency (F...\n\n- ### [Final Rule: Federal Home Loan Bank Membership FAQs](/faqs/final-rule-federal-home-loan-bank-membership-faqs)\n\n**Published: Tuesday, January 12, 2016**\n\nVIEW PRINTABLE FAQS1. WHAT IS FHFA'S REGULATION ON FEDERAL HOME LOAN BANK MEMBERSHIP? FHFA's regulation on Federal Home Loan Bank (FHLBank) membership implements provisions of the Feder...\n\n- ### [Private Mortgage Insurer Draft Eligibility Requirements Frequently Asked Questions (FAQs)](/faqs/private-mortgage-insurer-draft-eligibility-requirements-frequently-asked-questions-faqs)\n\n**Published: Thursday, July 10, 2014**\n\n​​(1) What is private mortgage insurance? Private mortgage insurance (PMI) protects a lender against loss if the borrower defaults on his or her mortgage loan. PMI premiums may be paid by the...\n\n- ### [HARP Phase II Q&A’s](/faqs/harp-phase-ii-qas)\n\n**Published: Monday, October 24, 2011**\n\nWhy are you making these changes to HARP now? For some time, FHFA, Fannie Mae and Freddie Mac (the Enterprises), lenders, servicers and private mortgage insurers (MI’s) have been engaged in a...\n\n- ### [Servicing Alignment Initiative Frequently Asked Questions](/faqs/servicing-alignment-initiative-frequently-asked-questions)\n\n**Published: Thursday, April 28, 2011**\n\nQ1. What is the Servicing Alignment Initiative and why is FHFA directing it? The Servicing Alignment Initiative is a FHFA-led effort to establish consistent policies and processes for the ser...\n"} diff --git a/chunks/json/3d1e68d222f501889a55e67aa723e72cac53d062b30abe3035cedf71a9728b6e.json b/chunks/json/3d1e68d222f501889a55e67aa723e72cac53d062b30abe3035cedf71a9728b6e.json new file mode 100644 index 0000000000000000000000000000000000000000..dd0af8ef1aac90a88026862d1f953747373f2066 --- /dev/null +++ b/chunks/json/3d1e68d222f501889a55e67aa723e72cac53d062b30abe3035cedf71a9728b6e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":432290,"char_start":430664,"chunk_id":"chk_540a4675b97175be","chunk_index":244,"chunk_sha256":"3d1e68d222f501889a55e67aa723e72cac53d062b30abe3035cedf71a9728b6e","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"3d1e68d222f501889a55e67aa723e72cac53d062b30abe3035cedf71a9728b6e","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"ROF as “Monthly”\n\n19. 2 | 19. 5 – 19. 8 OPTI ONAL PAYMENTS\n\nIf note terms allow the borrower to elect to pay a specified periodic P&I payment in an amount other than the\nscheduled amount, the loan has “Optional Payments”. For example: 30-year Fixed | 5-Year Payment Option\nPeriod | P&I Payment = $925 after Payment Option Period ends. (This very simple (non-ARM) For example is\nused to focus on the payment option feature.)\n\nAdjustable Payment (AP) Table\n\n19.0 if yes:\n\nOptional Payments?\n\n19.2 YES\n\n19.2.1 For your first 60 payments\n\n19.5 Monthly Principal and Interest Payments\n\nFirst Change / Amount 19.6 $925.00 at 61st payment\n\nSubsequent Changes\n\n19.7 No subse quent changes\n\nMaximum Payment\n\n19.8 $925.00 starting at 61st payment\n\nFigure 121. AP Table – Optional Payments\n\nFor the AP Table, “YES” is provided in answer to the question Optional Payments? in row 19.2, along with the\nnumber of payments for which optional amounts may be paid, counting from the first periodic payment due\nafter consummation that the feature is in effect. 19.7 provides the additional information (not shown in the\nLoan Terms Table) that there are no subsequent changes to the P&I payment once the Payment Option period\nends.\n\nAs with the calculation for the maximum payment for the Loan Terms Table, for 19.8 the lender is to assume\nthat the borrower elects to make as many periodic payments as long as possible (under the note terms) that\ncause negative amortization. This will cause the periodic principal and interest payment to be the maximum\npossible once the pay option period is over.\n\n1. LOAN TERMS TABLE OPTI ONAL PAYMENT LOAN\n"} diff --git a/chunks/json/3d236a3a465db8c0d5b28648b9ea561d43445a76453b265fcf38f7d5d21c9972.json b/chunks/json/3d236a3a465db8c0d5b28648b9ea561d43445a76453b265fcf38f7d5d21c9972.json new file mode 100644 index 0000000000000000000000000000000000000000..b609fb8cca7a9f2499e3410b027738e22e8df1f3 --- /dev/null +++ b/chunks/json/3d236a3a465db8c0d5b28648b9ea561d43445a76453b265fcf38f7d5d21c9972.json @@ -0,0 +1 @@ +{"chunk":{"char_end":31514,"char_start":30315,"chunk_id":"chk_9d0e475e7e867637","chunk_index":17,"chunk_sha256":"3d236a3a465db8c0d5b28648b9ea561d43445a76453b265fcf38f7d5d21c9972","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_103fc496217d2c5f","text_sha256":"3d236a3a465db8c0d5b28648b9ea561d43445a76453b265fcf38f7d5d21c9972","token_estimate":299,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Desktop_465D.pdf"]},"text":"Signature __________________________________________\nName _____________________________________________\nCompany Name ____________________________________\nCompany Address ___________________________________\n _________________________________________________\nTelephone Number __________________________________\nEmail Address ______________________________________\nDate of Signature ___________________________________\nState Certification # __________________________________\nor State License # ___________________________________\nState _____________________________________________\nExpiration Date of Certification or License ________________\nSUPERVISORY APPRAISER\n\nSUBJECT PROPERTY\n\nDid not inspect subject property\n Did inspect exterior of subject property from street\nDate of Inspection ________________________________\n Did inspect interior and exterior of subject property\nDate of Inspection ________________________________\n\nCOMPARABLE SALES\n\nDid not inspect exterior of comparable sales from street\n Did inspect exterior of comparable sales from street\nDate of Inspection ________________________________\n\nFreddie Mac Form 465D April 2022\n\nPage 6 of 6\n\nFannie Mae Form1073 Desktop April 2022\n"} diff --git a/chunks/json/3d24d603f567f9f246cedf679466f942cbea1a381551cc8d3ac02b96e057fac8.json b/chunks/json/3d24d603f567f9f246cedf679466f942cbea1a381551cc8d3ac02b96e057fac8.json new file mode 100644 index 0000000000000000000000000000000000000000..642bed0937195878da1df057a986c5fee6fa43c9 --- /dev/null +++ b/chunks/json/3d24d603f567f9f246cedf679466f942cbea1a381551cc8d3ac02b96e057fac8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":68223,"char_start":67564,"chunk_id":"chk_58f26c11b56c94cc","chunk_index":109,"chunk_sha256":"3d24d603f567f9f246cedf679466f942cbea1a381551cc8d3ac02b96e057fac8","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"3d24d603f567f9f246cedf679466f942cbea1a381551cc8d3ac02b96e057fac8","token_estimate":531,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Indicated Value by Cost Approach ........................................................................................................................................................................................... 326\n\nDepreciated Cost – Dwelling – [Structure Identifier] ............................................................................................................................................................... 327\n\nDepreciated Cost - Outbuilding - [Outbuilding Type] ............................................................................................................................................................... 332\n"} diff --git a/chunks/json/3d2b83ba016d1626d6ee471b1def6f603f3f6c66b0c6403bdc3b7507ad2d658d.json b/chunks/json/3d2b83ba016d1626d6ee471b1def6f603f3f6c66b0c6403bdc3b7507ad2d658d.json new file mode 100644 index 0000000000000000000000000000000000000000..ad9857579bfd888ee568b101423f6fab70937d77 --- /dev/null +++ b/chunks/json/3d2b83ba016d1626d6ee471b1def6f603f3f6c66b0c6403bdc3b7507ad2d658d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":248834,"char_start":247193,"chunk_id":"chk_fb467cf63f5f99ff","chunk_index":146,"chunk_sha256":"3d2b83ba016d1626d6ee471b1def6f603f3f6c66b0c6403bdc3b7507ad2d658d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"3d2b83ba016d1626d6ee471b1def6f603f3f6c66b0c6403bdc3b7507ad2d658d","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 102 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n08 Dwelling Exterior\n\nAbout Condition Status for Exterior Features\n\nCondition Status must be provided for each exterior feature. If there are varying condition statuses for the\nexterior feature, choose the one that best explains the Exterior Condition Rating.\n\nIndividual items that are noted to have defects, damages, or deficiencies must be reported in the Apparent\nDefects, Damages, and Deficiencies (Dwelling Exterior) subsection. If Recommended Action for the associated\ndefect, damage, or deficiency is Repair, Condition Status must reflect the repaired state:\n• New or Like New, or\n• Typical Wear and Tear, or\n• Damaged and Functional\n\nAllowable Answer\n\nNew or Like New\n\nExterior Feature Condition Status (Choose one)\n\nDefinition / Additional Guidance\n\nThe feature is new or like new with no visible signs of use.\nNote: This would be the typical answer when New Construction (3.017) is Yes.\n\nTypical Wear and Tear\n\nThe feature is fully functional and exhibits minimal wear and tear, with visible signs of use.\n\nDamaged and Functional\n\nThe feature is damaged and exhibits moderate wear and tear but can still function as intended or designed.\nExamples:\n•\n•\n•\n• Windows: Broken seals, painted shut, or broken sash cords.\n\nExterior Walls and Trim: Dents to siding or minor crack to masonry.\nFoundation: Minor settlement cracks.\nRoof: Roofing is worn or patched but with no apparent active leaks.\n\nDamaged and Nonfunctional The feature is damaged and exhibits significant wear and tear to the level that it can no longer function as intended or\n"} diff --git a/chunks/json/3d320f3e330d62e34ef2553b527bf35ee41d2632af64c12690e45b684f32a5e0.json b/chunks/json/3d320f3e330d62e34ef2553b527bf35ee41d2632af64c12690e45b684f32a5e0.json new file mode 100644 index 0000000000000000000000000000000000000000..6b129c949e0f7fb7d6508881eb0ac22dcde06a24 --- /dev/null +++ b/chunks/json/3d320f3e330d62e34ef2553b527bf35ee41d2632af64c12690e45b684f32a5e0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":86893,"char_start":85160,"chunk_id":"chk_2042deb41ca19f4d","chunk_index":50,"chunk_sha256":"3d320f3e330d62e34ef2553b527bf35ee41d2632af64c12690e45b684f32a5e0","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"3d320f3e330d62e34ef2553b527bf35ee41d2632af64c12690e45b684f32a5e0","token_estimate":434,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Basement & Finished Rooms Below Grade\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\nLine 1\nThe appraiser must report:\nTotal square footage of the property\nimprovements below grade – If there is no\nbasement, enter the numeral zero (0). No\nother information may be entered.\nFinished square footage of the property\nimprovements below grade, if applicable. Do\nnot indicate a percent finished.\nThe type of access to the basement, if\napplicable. The allowable values are ‘Walk-\nout’ (wo), ‘Walk-up’ (wu), or ‘Interior only’ (in),\nwhich must be abbreviated on the appraisal\nreport form to fit in the available space.\n\nIn some jurisdictions, the total square footage\nof the property improvements below grade\nand/or the finished square footage of the\nproperty improvements below grade may not\nbe available to the appraiser within the normal\ncourse of business. In such cases, an\nappraiser may report the estimated total\nsquare footage of the property improvements\nbelow grade and the finished area below grade\nfor the comparable properties and disclose\nwithin the appraisal report that the size is an\nestimate and report the source and basis for\nthe estimate.\n\nLine 2\nThe appraiser must report the number of each\ntype of finished rooms in the basement on\nLine 2 of this data field if the finished square\nfootage of the basement is greater than zero.\nThe room type descriptors are:\n\nrr\n\nbr\n\nba\n\nO\n\nRecreation\nroom\n\nBedroom\n\nBathroom\n\nOther\n\nThe appraiser must enter the numeral zero (0)\nif there are no rooms of a particular type. If\nthe finished square footage of the basement\nis zero, no entries should be made for the\nbasement room type counts.\n"} diff --git a/chunks/json/3d39a753f7344d476ac972981c6fbc9c52cb47b320a77be36655b77f0c9d66d0.json b/chunks/json/3d39a753f7344d476ac972981c6fbc9c52cb47b320a77be36655b77f0c9d66d0.json new file mode 100644 index 0000000000000000000000000000000000000000..2889a3aa456768b3dc3ba01b72aaf75d9e2a0a54 --- /dev/null +++ b/chunks/json/3d39a753f7344d476ac972981c6fbc9c52cb47b320a77be36655b77f0c9d66d0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":424347,"char_start":422744,"chunk_id":"chk_d1d60830981b494a","chunk_index":236,"chunk_sha256":"3d39a753f7344d476ac972981c6fbc9c52cb47b320a77be36655b77f0c9d66d0","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"3d39a753f7344d476ac972981c6fbc9c52cb47b320a77be36655b77f0c9d66d0","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":"This agreement must be executed and recorded in the applicable jurisdiction before the permanent loan is sold to Fannie\nMae.\n\nThe lender must include the applicable conversion document in its loan submission package. When amended documents are\nrecorded in connection with a construction loan rider, the lender also must include a copy of the original documentation that the\nborrower signed.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 172 of 166\n\nUAD 3.6 Policy\n\nSB5-3.2-01, HomeStyle Renovation Mortgages (12/10/2025)\n\nIntroduction\n\nThis topic contains information on HomeStyle Renovation mortgages, including:\n\n• Overview\n• Allowable Improvements\n•\n•\n• Delivery and Recourse Requirements\n• Removal of Recourse\n\nLender Eligibility\nLender Responsibilities\n\nOverview\n\nThe HomeStyle Renovation mortgage enables a borrower to purchase a property or refinance an existing loan and include funds\nin the loan amount to cover the costs of repairs, remodeling, renovations, or energy efficient and green features to the property.\nThe loan may be delivered to Fannie Mae prior to completion of the renovation, subject to limited recourse as described below.\n\nNote: For loan casefiles underwritten through DU, DU will determine that the transaction is a HomeStyle Renovation loan if the\nRenovation indicator in Property and Loan Information (L1) is selected and there is an amount entered in Line B (L4) of the online\nloan application.\n\nAllowable Improvements\n\nThere are no required improvements or restrictions on the types of renovations allowed, nor is there a minimum dollar amount\nfor renovations.\n"} diff --git a/chunks/json/3d4ddf8a4ba301ffbd46751e0dc381612ef19b69a6b2b0914a0598e62d00ea99.json b/chunks/json/3d4ddf8a4ba301ffbd46751e0dc381612ef19b69a6b2b0914a0598e62d00ea99.json new file mode 100644 index 0000000000000000000000000000000000000000..6ec0395e366a2058903e2d8e862f097ed1e3eb0d --- /dev/null +++ b/chunks/json/3d4ddf8a4ba301ffbd46751e0dc381612ef19b69a6b2b0914a0598e62d00ea99.json @@ -0,0 +1 @@ +{"chunk":{"char_end":49599,"char_start":42276,"chunk_id":"chk_0552ca2f4dd1fb8c","chunk_index":2,"chunk_sha256":"3d4ddf8a4ba301ffbd46751e0dc381612ef19b69a6b2b0914a0598e62d00ea99","date_utc":"2026-01-27T17:46:38+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_b275b98100c5a4d6","text_sha256":"3d4ddf8a4ba301ffbd46751e0dc381612ef19b69a6b2b0914a0598e62d00ea99","token_estimate":1705,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae5/links/_.md/Uniform_Appraisal_Dataset__UAD__and_Forms_Redesign_9nwakf.md"]},"text":"(function(){'use strict';var m=typeof Object.defineProperties==\"function\"?Object.defineProperty:function(a,b,c){if(a==Array.prototype||a==Object.prototype)return a;a[b]=c.value;return a}; function n(a){a=[\"object\"==typeof globalThis&&globalThis,a,\"object\"==typeof window&&window,\"object\"==typeof self&&self,\"object\"==typeof global&&global];for(var b=0;b>>0)+\"_\",f=0;return b}); r(\"Symbol.iterator\",function(a){if(a)return a;a=Symbol(\"Symbol.iterator\");m(Array.prototype,a,{configurable:!0,writable:!0,value:function(){return z(t(this))}}); return a}); function z(a){a={next:a};a[Symbol.iterator]=function(){return this}; return a} r(\"WeakMap\",function(a){function b(e){this.g=(p+=Math.random()+1).toString();if(e){e=u(e);for(var k;!(k=e.next()).done;)k=k.value,this.set(k[0],k[1])}} function c(){} function d(e){var k=typeof e;return k===\"object\"&&e!==null||k===\"function\"} function f(e){if(!x(e,h)){var k=new c;m(e,h,{value:k})}} function g(e){var k=Object[e];k&&(Object[e]=function(l){if(l instanceof c)return l;Object.isExtensible(l)&&f(l);return k(l)})} if(function(){if(!a||!Object.seal)return!1;try{var e=Object.seal({}),k=Object.seal({}),l=new a([[e,2],[k,3]]);if(l.get(e)!=2||l.get(k)!=3)return!1;l.delete(e);l.set(k,4);return!l.has(e)&&l.get(k)==4}catch(da){return!1}}())return a; var h=\"$jscomp_hidden_\"+Math.random();g(\"freeze\");g(\"preventExtensions\");g(\"seal\");var p=0;b.prototype.set=function(e,k){if(!d(e))throw Error(\"Invalid WeakMap key\");f(e);if(!x(e,h))throw Error(\"WeakMap key fail: \"+e);e[h][this.g]=k;return this}; b.prototype.get=function(e){return d(e)&&x(e,h)?e[h][this.g]:void 0}; b.prototype.has=function(e){return d(e)&&x(e,h)&&x(e[h],this.g)}; b.prototype.delete=function(e){return d(e)&&x(e,h)&&x(e[h],this.g)?delete e[h][this.g]:!1}; return b}); function A(a,b){a instanceof String&&(a+=\"\");var c=0,d=!1,f={next:function(){if(!d&&c *[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. 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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/3d6ed648d0e5452a9e33eecb4cf88e2e0bd3491fcd8e03e0416910153bc769fa.json b/chunks/json/3d6ed648d0e5452a9e33eecb4cf88e2e0bd3491fcd8e03e0416910153bc769fa.json new file mode 100644 index 0000000000000000000000000000000000000000..4d60ecd2e0b1ab18f6b8c52ebf62e62c5cf8947f --- /dev/null +++ b/chunks/json/3d6ed648d0e5452a9e33eecb4cf88e2e0bd3491fcd8e03e0416910153bc769fa.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1817,"char_start":0,"chunk_id":"chk_54cd3f1a8bfbf048","chunk_index":0,"chunk_sha256":"3d6ed648d0e5452a9e33eecb4cf88e2e0bd3491fcd8e03e0416910153bc769fa","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5b3e2e0d9256455b","text_sha256":"3d6ed648d0e5452a9e33eecb4cf88e2e0bd3491fcd8e03e0416910153bc769fa","token_estimate":455,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-spec-v-182-update-integration-impact-memo-july-1-2021.pdf"]},"text":"Desktop Underwriter/Desktop Originator\nDesktop Underwriter Specification MISMO v3.4\nIntegration Impact Memo\n\nJuly 1, 2021\nUpdated Aug. 20, 2021\n\nOn June 29, 2021, Fannie Mae published the updated DU Specification Version 1.8.2 (DU Spec) and DU Implementation Guide\nMISMO Version 3.4. The updated DU Spec includes changes previously communicated in the DU MISMO V3.4 Limited Production\nPeriod Update Integration Impact Memo and additional changes described below.\n\nNote: This integration impact memo describes new updates in the DU Spec Version 1.8.2. For a complete list of\nchanges, see the DU Spec - Revision History and DU Map Update.\n\nAug. 20, 2021: This Integration Impact Memo has been updated to reflect the following:\n\n▪ DU Spec Version 1.8.2 - New Data Points and Enumerations: Updated to indicate that certain new data points and\nenumerations in the table below may be used in DU for government loans. See the DU Spec for a complete list of data\nrequirements, including conditionality and implementation notes.\n\n▪\n\nSince publication of this memo, the DU Spec v1.8.2 was updated on August 10, 2021. Visit the Technology Integration\npage to review and download the latest update.\n\n▪ Release Support: Added vendor obligations to update integrated system(s) within 120 days of notification of\n\nSpecification changes.\n\nDU Spec Version 1.8.2 - New Data Points and Enumerations\nUpdated Aug. 20, 2021: Since publication of this memo, the updates described below were communicated for DU Version 11.0 in\nthe DU V. 11.0 September Update, and for DU for government loans in the Sept. 2021 Release.\n\nIn future update, DU will implement the changes described below. These new data elements may be used to issue DU\nUnderwriting Findings Messages and in any calculations in DU and DU for government loans, where applicable.\n"} diff --git a/chunks/json/3d75fe8b869def1e2fada195d4426160f91f34732d41876275a2517465f4fa55.json b/chunks/json/3d75fe8b869def1e2fada195d4426160f91f34732d41876275a2517465f4fa55.json new file mode 100644 index 0000000000000000000000000000000000000000..c9c839abf3888fee345baf9dc8d43c3c4d64c287 --- /dev/null +++ b/chunks/json/3d75fe8b869def1e2fada195d4426160f91f34732d41876275a2517465f4fa55.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1085,"char_start":0,"chunk_id":"chk_bd31c977794a36a1","chunk_index":0,"chunk_sha256":"3d75fe8b869def1e2fada195d4426160f91f34732d41876275a2517465f4fa55","date_utc":"2026-01-27T18:02:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ed90f0f2ea10d525","text_sha256":"3d75fe8b869def1e2fada195d4426160f91f34732d41876275a2517465f4fa55","token_estimate":271,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-integration-impact-memo-dec-15-2023.pdf"]},"text":"ULDD Integration Impact Memo\n\nDec. 15, 2023\n\nImpact Memo Details\n\nEffective Date\n\nImpacted Area\n\nDec. 13, 2023\n\nAttorney Opinion\nLetter Guide\nExpansion\n\nDescription\n\nIn certain circumstances, Fannie Mae began allowing an Attorney Opinion Letter in lieu of a\ntitle insurance policy on loans delivered to Fannie Mae.\n\nLoans collateralized by properties subject to restrictive agreements or restrictive covenants\nand properties located in condominium projects are not eligible for an attorney title\nopinion.\n\nWith the implementation of this change, this restriction in the Selling Guide was removed,\nallowing those loans to be delivered to Fannie Mae effective immediately.\n\nPlease review the Selling Guide announcement (B7-2-06) for more information related to\nthis change.\n\nHow will this affect Loan Delivery?\n\nThe lender must report Special Feature Code 155 when delivering a loan that uses an attorney title opinion letter in lieu of a title\ninsurance policy. This code is in addition to any other SFCs that may apply.\n\nFannie Mae Confidential\n\n© 2023 Fannie Mae 12.12.23 Page 1 of 1\n"} diff --git a/chunks/json/3d9b201be9056bfcaaae7d0c4827a235d6be52544ad2038865ae52e4bb01dfee.json b/chunks/json/3d9b201be9056bfcaaae7d0c4827a235d6be52544ad2038865ae52e4bb01dfee.json new file mode 100644 index 0000000000000000000000000000000000000000..1376e8fd2f11cf40ca54fe3687ee8de8cb178e18 --- /dev/null +++ b/chunks/json/3d9b201be9056bfcaaae7d0c4827a235d6be52544ad2038865ae52e4bb01dfee.json @@ -0,0 +1 @@ +{"chunk":{"char_end":51361,"char_start":49734,"chunk_id":"chk_c89d2c88738a92cc","chunk_index":29,"chunk_sha256":"3d9b201be9056bfcaaae7d0c4827a235d6be52544ad2038865ae52e4bb01dfee","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"3d9b201be9056bfcaaae7d0c4827a235d6be52544ad2038865ae52e4bb01dfee","token_estimate":407,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"The tract number as used in the 2020\ndecennial census, with leading zeros when\napplicable, indicating where the property is\nlocated.\n\n7\n\n6\n\ntract_minority_pct\n\n2020 Census Tract -\nPercent Minority\n\nExample of data format: 66.95 = 66.95\npercent of the census tract population\nis minority.\n9999.0 = Not available\n\n8\n\n6\n\ntract_income_med\n\n2020 Census Tract -\nMedian Income\n\n999999 = Not available\n\n9\n\n6\n\nami_local\n\nLocal Area Median\nIncome\n\n999999 = Not available\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 2024 median family income for the\ncensus tract (in whole dollars) based on 2020\nCensus geography and the most recent\nAmerican Community Survey (ACS) 5-year\nestimates available on January 1, 2024. The\nvalues for this field are supplied by FHFA.\n\nThe 2024 MSA median family income, or for\nproperties outside MSAs, the county median\nfamily income or the State non-metropolitan\nmedian income, whichever is greater, based\non 2020 Census geography and the most\nrecent ACS 5-year estimates available on\nJanuary 1, 2024. The values for this field are\nsupplied by FHFA.\n\nMF CTF\n\n39\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nMultifamily Properties\nCensus Tract File\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n8\n\n10\n\ntract_income_ratio\n\nTract Income Ratio\n\nExample of data format: 1.7500 = The\ntract income is 175 percent of the\nlocal area median income.\n9999.00 = Not able to code\n"} diff --git a/chunks/json/3db5b79eb5bffd58d6542eeece0bc444ee65d1912919b8affe84d135037e45b8.json b/chunks/json/3db5b79eb5bffd58d6542eeece0bc444ee65d1912919b8affe84d135037e45b8.json new file mode 100644 index 0000000000000000000000000000000000000000..5fdff5d6f91eddef94c96ab631f7bfbe51305a21 --- /dev/null +++ b/chunks/json/3db5b79eb5bffd58d6542eeece0bc444ee65d1912919b8affe84d135037e45b8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1115151,"char_start":1113538,"chunk_id":"chk_12e9ca452d31d66d","chunk_index":662,"chunk_sha256":"3db5b79eb5bffd58d6542eeece0bc444ee65d1912919b8affe84d135037e45b8","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3db5b79eb5bffd58d6542eeece0bc444ee65d1912919b8affe84d135037e45b8","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Refer to Appendix E for PDF Rendering and Parsing Instructions.\nUAD Requirement - Refer to Appendix D Improvements Section\nThis field must contain additional comments about the condition of the property.\n\n214\n\n1\n\n206\n\nIMPROVEMENTS\n\n215\n\n1\n\n207\n\nIMPROVEMENTS\n\n216\n\n1\n\n208\n\nIMPROVEMENTS\n\n217\n\n1\n\n209\n\nIMPROVEMENTS\n\n218\n\n219\n\n220\n\n1\n\n1\n\n1\n\n210\n\nIMPROVEMENTS\n\n211\n\nIMPROVEMENTS\n\n212\n\nIMPROVEMENTS\n\nDescribe the condition of the\nproperty and data source(s)\n(including apparent needed\nrepairs, deterioration,\nrenovations, remodeling, etc.)\n\nAre there any physical\ndeficiencies or adverse\nconditions that affect the\nlivability, soundness, or\nstructural integrity of the\nproperty?\nAre there any apparent physical\ndeficiencies or adverse\nconditions that affect the\nlivability, soundness, or\nstructural integrity of the\nproperty?\nNo\nAre there any apparent physical\ndeficiencies or adverse\nconditions that affect the\nlivability, soundness, or\nstructural integrity of the\nproperty?\nIf Yes describe\nDoes the property generally\nconform to the neighborhood\n(functional utility, style,\ncondition, use, construction,\netc.)?\nYes\nDoes the property generally\nconform to the neighborhood\n(functional utility, style,\ncondition, use, construction,\netc.)?\nNo\nDoes the property generally\nconform to the neighborhood\n(functional utility, style,\ncondition, use, construction,\netc.)?\nIf No describe\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[@_Ty\npe='PropertyCondition']/@_Comment\n"} diff --git a/chunks/json/3dbcd0747c18564f1120ec872dfdd13943c820665de6e6c6d1ff6ac737f7afcb.json b/chunks/json/3dbcd0747c18564f1120ec872dfdd13943c820665de6e6c6d1ff6ac737f7afcb.json new file mode 100644 index 0000000000000000000000000000000000000000..9d2c3d5294cedd18104197f9d030f235ba01f1f3 --- /dev/null +++ b/chunks/json/3dbcd0747c18564f1120ec872dfdd13943c820665de6e6c6d1ff6ac737f7afcb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":25058,"char_start":23664,"chunk_id":"chk_0e8f648ed83b8324","chunk_index":15,"chunk_sha256":"3dbcd0747c18564f1120ec872dfdd13943c820665de6e6c6d1ff6ac737f7afcb","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d0defc84ceb13d55","text_sha256":"3dbcd0747c18564f1120ec872dfdd13943c820665de6e6c6d1ff6ac737f7afcb","token_estimate":456,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Engagements___FHFA_fwmvlq.md"]},"text":"Date: 2/11/2021\n\nTime: 1:00 - 4:00 PM\n\nLocation: Online event\n\n[Appraisal Public Listening Session Agenda, Presentations, Video, Session Transcript, RFI and News Release​](/news/videos/appraisal-related-policies-practices-and-processes)\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/3dbde2fe0f3204d83c84a9d023ba7143c85eb4398f612129a223264d0553500b.json b/chunks/json/3dbde2fe0f3204d83c84a9d023ba7143c85eb4398f612129a223264d0553500b.json new file mode 100644 index 0000000000000000000000000000000000000000..35cf87cfbc6f1474e7b7fab0382856de1f2e0165 --- /dev/null +++ b/chunks/json/3dbde2fe0f3204d83c84a9d023ba7143c85eb4398f612129a223264d0553500b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":394304,"char_start":392480,"chunk_id":"chk_6017e116632eb6a4","chunk_index":312,"chunk_sha256":"3dbde2fe0f3204d83c84a9d023ba7143c85eb4398f612129a223264d0553500b","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"3dbde2fe0f3204d83c84a9d023ba7143c85eb4398f612129a223264d0553500b","token_estimate":456,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"AddressUnitDesignatorType\n\nRedisplays from 3.000 IF AddressUnitIdentifier Exists\n\nPage 305\n\n23.02.01\n\nNo label\n\n0100.0008\n\nAddressUnitIdentifier\n\nRedisplays from 3.000 IF Exists\n\n0100.0009\n\nCityName\n\nRedisplays from 3.000\n\n0100.0012\n\nStateCode\n\nRedisplays from 3.000\n\n0100.0011\n\nPostalCode\n\nRedisplays from 3.000\n\nComparable Property Information\n\nInformation about each comparable rental unit displays once, regardless of how many times a comparable rental unit is used in the\nComparable Rental Analysis subsection (rental grids). Comparables in this subsection are displayed in Comparable # order.\n\n•\n\nInformation about each comparable rental unit displayed in this section must be provided in a separate instance of the PROPERTY\ncontainer.\n\n• Each instance of the PROPERTY container must include both a “ValuationUseType” and a “PropertyOrdinalNumber”.\n\no “ValuationUseType” attribute must be populated as “RentalComparable”.\n\no “PropertyOrdinalNumber” in PROPERTY/COMPARABLE/COMPARABLE_DETAIL must be populated with a unique, positive,\n\nwhole number that is displayed next to “Comparable #” on the report.\n\no A combination of these 2 data elements is used to uniquely identify a comparable rental unit.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 306\n\n• When there is more than one unit in a property and both units are used as a comparable, details about each of these units must be\n\nprovided in a separate instance of the PROPERTY container using a unique value for the “PropertyOrdinalNumber”.\n\nFor example, in the above snippet, comparable #4 and #5 are 2 units in the same property. Therefore, information about each of these units\n(information displayed in Comparable Rental Properties subsection and Comparable Rental Analysis subsection) must be provided in a\nseparate instance of the PROPERTY container.\n"} diff --git a/chunks/json/3dc351ae29f1b4e5c6df60ed99962bf3ac6399d5b29219f77d1be4a1a459dec1.json b/chunks/json/3dc351ae29f1b4e5c6df60ed99962bf3ac6399d5b29219f77d1be4a1a459dec1.json new file mode 100644 index 0000000000000000000000000000000000000000..152f3c39541a1f9b4e5261a50e6279de76f358ee --- /dev/null +++ b/chunks/json/3dc351ae29f1b4e5c6df60ed99962bf3ac6399d5b29219f77d1be4a1a459dec1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1111170,"char_start":0,"chunk_id":"chk_28853ad6e0d8ebe1","chunk_index":0,"chunk_sha256":"3dc351ae29f1b4e5c6df60ed99962bf3ac6399d5b29219f77d1be4a1a459dec1","date_utc":"2026-01-27T18:13:09+00:00","doc_type":"text","paths":{"json":"","txt":null},"source_id":"src_e19d2bbdf0d19b2b","text_sha256":"3dc351ae29f1b4e5c6df60ed99962bf3ac6399d5b29219f77d1be4a1a459dec1","token_estimate":1463,"warnings":["source_path=Public_Use_Database___FHFA/links/2024_enterprise_sf_nfc/2024_Enterprise_SF_NFC/fnma_sf2024d_loans.txt","exceeds_max_chunk_chars_truncated"]},"text":"1 10000001 2 2 3 2 1 1 5 1 335000 10 1 1 2 1.0000\n1 10000002 1 2 3 2 1 1 5 1 105000 9 1 1 1 0.0000\n1 10000003 1 3 3 3 1 1 5 1 460000 9 1 1 1 0.0000\n1 10000004 3 1 2 3 1 1 4 1 385000 9 1 1 1 0.0000\n1 10000005 2 2 3 4 1 1 4 1 283000 9 1 1 1 0.0000\n1 10000006 2 2 2 5 1 1 5 1 216000 10 1 1 1 0.0000\n1 10000007 2 3 3 1 2 1 2 1 833000 8 1 1 1 0.0000\n1 10000008 2 3 3 4 1 1 4 1 395000 10 1 1 1 0.0000\n1 10000009 2 3 3 3 1 1 5 1 430000 9 1 1 1 0.0000\n1 10000010 2 1 2 1 2 1 4 1 190000 7 2 2 1 0.0000\n1 10000011 3 2 3 1 1 1 3 1 313000 7 1 1 1 0.0000\n1 10000012 2 1 2 5 1 1 4 1 250000 8 1 1 1 0.0000\n1 10000013 1 3 3 3 1 1 5 1 350000 9 1 1 1 0.0000\n1 10000014 3 1 3 3 1 1 4 1 360000 10 1 1 1 0.0000\n1 10000015 2 2 2 2 1 1 3 1 111000 9 1 1 1 0.0000\n1 10000016 3 2 3 2 1 1 5 1 230000 9 1 1 1 0.0000\n1 10000017 1 2 3 3 1 1 5 1 435000 10 1 1 1 0.0000\n1 10000018 3 2 3 4 1 1 3 1 275000 9 1 1 2 1.0000\n1 10000019 3 3 3 1 1 1 5 1 845000 7 2 2 1 0.0000\n1 10000020 2 2 3 2 2 1 3 1 149000 9 3 3 1 0.0000\n1 10000021 2 3 2 3 1 1 3 1 170000 10 1 1 1 0.0000\n1 10000022 2 2 2 2 2 1 4 1 126000 9 3 3 1 0.0000\n1 10000023 3 2 3 3 1 1 4 1 375000 9 1 1 1 0.0000\n1 10000024 3 2 3 4 1 1 3 1 469000 10 1 1 1 0.0000\n1 10000025 3 1 3 3 1 1 5 1 316000 10 1 1 1 0.0000\n1 10000026 2 2 3 2 2 1 3 1 103000 8 3 3 1 0.0000\n1 10000027 3 1 3 2 1 1 4 1 215000 9 1 1 2 1.0000\n1 10000028 3 2 3 2 1 1 5 1 370000 8 1 1 1 0.0000\n1 10000029 1 2 3 3 1 1 2 1 130000 9 1 1 1 0.0000\n1 10000030 3 2 2 4 1 1 4 1 246000 7 1 1 1 0.0000\n1 10000031 3 2 3 4 1 1 5 1 557000 6 1 1 1 0.0000\n1 10000032 1 3 3 4 1 1 4 1 170000 9 1 1 2 1.0000\n1 10000033 3 2 3 2 2 1 3 1 256000 8 3 3 2 1.0000\n1 10000034 1 2 3 2 1 1 2 1 280000 6 1 1 1 0.0000\n1 10000035 3 1 2 4 1 1 4 1 130000 10 1 1 1 0.0000\n1 10000036 3 1 1 2 1 1 4 1 80000 9 1 1 2 1.0000\n1 10000037 3 1 3 2 1 1 4 1 99000 10 1 1 1 0.0000\n1 10000038 3 3 3 3 1 1 3 1 168000 9 1 1 1 0.0000\n1 10000039 1 2 3 1 2 1 2 1 142000 9 2 2 1 0.0000\n1 10000040 2 2 3 3 1 1 4 1 399000 10 1 1 1 0.0000\n1 10000041 3 2 3 5 1 1 5 1 430000 7 1 1 1 0.0000\n1 10000042 3 2 3 2 1 1 4 1 330000 10 1 1 1 0.0000\n1 10000043 2 3 2 4 1 1 3 1 215000 7 1 1 1 0.0000\n1 10000044 3 3 3 4 1 1 9 1 247000 9 1 1 1 0.0000\n1 10000045 3 2 3 2 2 1 4 1 249000 8 1 1 1 0.0000\n1 10000046 2 2 3 1 1 1 4 1 458000 8 1 1 1 0.0000\n1 10000047 3 2 2 5 1 1 4 1 211000 9 1 1 1 0.0000\n1 10000048 3 1 1 4 1 1 2 1 95000 8 1 1 1 0.0000\n1 10000049 3 1 2 1 2 1 5 1 306000 9 3 3 1 0.0000\n1 10000050 1 2 2 5 1 1 5 1 232000 7 1 1 1 0.0000\n1 10000051 3 2 3 3 1 1 4 1 175000 8 1 1 1 0.0000\n1 10000052 2 2 3 2 2 1 3 1 506000 8 3 3 1 0.0000\n1 10000053 2 3 3 2 1 1 5 1 436000 7 1 1 1 0.0000\n1 10000054 1 2 3 4 1 1 3 1 100000 8 1 1 1 0.0000\n1 10000055 3 1 3 2 1 1 4 1 345000 9 1 1 1 0.0000\n1 10000056 2 1 3 4 1 1 3 1 530000 8 1 1 1 0.0000\n1 10000057 3 1 3 4 1 1 4 1 450000 9 1 1 1 0.0000\n1 10000058 3 1 3 4 1 1 4 1 162000 7 1 1 1 0.0000\n1 10000059 2 2 3 3 2 1 5 1 293000 10 1 1 1 0.0000\n1 10000060 2 2 3 4 1 1 4 1 560000 8 1 1 2 1.0000\n1 10000061 2 3 3 1 2 1 4 1 1316000 7 1 1 1 0.0000\n1 10000062 3 1 2 4 1 1 5 1 280000 8 1 1 2 1.0000\n1 10000063 2 2 3 2 1 1 3 1 500000 10 1 1 1 0.0000\n1 10000064 1 2 3 2 1 1 5 1 50000 10 1 1 2 1.0000\n1 10000065 1 2 2 5 1 1 4 1 165000 9 1 1 1 0.0000\n1 10000066 2 3 3 4 2 1 4 1 561000 9 1 1 1 0.0000\n1 10000067 3 2 1 5 1 1 5 1 123000 9 1 1 1 0.0000\n1 10000068 2 2 2 2 2 1 2 1 209000 10 1 1 1 0.0000\n1 10000069 3 2 2 4 1 1 5 1 66000 8 2 2 1 0.0000\n1 10000070 3 1 3 4 1 1 4 1 1209000 9 1 1 1 0.0000\n1 10000071 3 1 3 4 1 1 4 1 225000 9 1 1 1 0.0000\n1 10000072 2 2 3 2 1 1 4 1 192000 10 1 1 1 0.0000\n1 10000073 3 1 3 4 1 1 5 1 600000 8 1 1 1 0.0000\n1 10000074 2 2 2 2 1 1 5 1 500000 6 1 1 1 0.0000\n1 10000075 2 3 3 2 1 1 5 1 323000 9 1 1 1 0.0000\n1 10000076 3 1 3 2 2 1 3 1 340000 9 3 3 1 0.0000\n1 10000077 2 1 3 4 1 1 4 1 155000 10 1 1 1 0.0000\n1 10000078 3 3 3 2 1 1 5 1 900000 7 1 1 1 0.0000\n1 10000079 2 2 3 1 2 1 5 1 246000 7 3 3 1 0.0000\n1 10000080 2 2 3 1 1 1 5 1 610000 7 1 1 1 0.0000\n1 10000081 3 3 3 4 1 1 2 1 655000 8 1 1 1 0.0000\n1 10000082 3 1 3\n"} diff --git a/chunks/json/3dc89c21b35b85387f7426882e48c4ac95d82fa569774450263a5a46b671ddbd.json b/chunks/json/3dc89c21b35b85387f7426882e48c4ac95d82fa569774450263a5a46b671ddbd.json new file mode 100644 index 0000000000000000000000000000000000000000..82b74e9f7e2b350ea952e1862b8622df767635a3 --- /dev/null +++ b/chunks/json/3dc89c21b35b85387f7426882e48c4ac95d82fa569774450263a5a46b671ddbd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":2728,"char_start":2139,"chunk_id":"chk_ec39ee05eadb0f13","chunk_index":3,"chunk_sha256":"3dc89c21b35b85387f7426882e48c4ac95d82fa569774450263a5a46b671ddbd","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6a5de7e7b0279ba0","text_sha256":"3dc89c21b35b85387f7426882e48c4ac95d82fa569774450263a5a46b671ddbd","token_estimate":486,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-documentation.pdf"]},"text":"4i. Recoding .............................................................................................................................................. 6\n\n4j. Bottom Coding and Top Coding .......................................................................................................... 6\n\n5. Sample Design, Weighting, and Variance Estimation .............................................................................. 7\n\n5a. Sample Design .................................................................................................................................... 7\n"} diff --git a/chunks/json/3dcdaeb1e6aa6008547aeb26550e04047ecdf1e2d043387018ea963a121ecd11.json b/chunks/json/3dcdaeb1e6aa6008547aeb26550e04047ecdf1e2d043387018ea963a121ecd11.json new file mode 100644 index 0000000000000000000000000000000000000000..2069c1dd6cb2e1ab99d5763e6fc2aa47326488e1 --- /dev/null +++ b/chunks/json/3dcdaeb1e6aa6008547aeb26550e04047ecdf1e2d043387018ea963a121ecd11.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10538,"char_start":8782,"chunk_id":"chk_30dce262c684a928","chunk_index":5,"chunk_sha256":"3dcdaeb1e6aa6008547aeb26550e04047ecdf1e2d043387018ea963a121ecd11","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_039064adae9902a9","text_sha256":"3dcdaeb1e6aa6008547aeb26550e04047ecdf1e2d043387018ea963a121ecd11","token_estimate":438,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/COVID_19_Resources___FHFA_t5e1u5.md"]},"text":"Lenders, servicers, landlords, real estate professionals, housing counselors, as well as the homeowners and renters they serve, can benefit from critical materials that have been developed. These documents have been translated to offer these valuable materials in Spanish, traditional Chinese, Vietnamese, Korean and Tagalog languages to support those who may face addition​al challenges with limited English proficiency.\n\nFor additional consumer-facing resources, please visit the following ​website [https://www.cfpb.gov/housing](https://www.consumerfinance.gov/housing) as a centralized COVID-19 support repository created by the Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), and Department of Housing and Urban Development (HUD).\n\n- [View Mortgage Assistance Application](/mortgage-translations/document/mortgage-assistance-application)\n\n*​**LEGAL DISCLAIMER***\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/3dd0fc82f6e6105ca020584308badfed3e171e2e5b3219553c4c81681410c0f2.json b/chunks/json/3dd0fc82f6e6105ca020584308badfed3e171e2e5b3219553c4c81681410c0f2.json new file mode 100644 index 0000000000000000000000000000000000000000..2e5144a415f2c1633fb395c00ea542edb0634b43 --- /dev/null +++ b/chunks/json/3dd0fc82f6e6105ca020584308badfed3e171e2e5b3219553c4c81681410c0f2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1102793,"char_start":1101158,"chunk_id":"chk_7bbba7601a6d2a5d","chunk_index":655,"chunk_sha256":"3dd0fc82f6e6105ca020584308badfed3e171e2e5b3219553c4c81681410c0f2","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3dd0fc82f6e6105ca020584308badfed3e171e2e5b3219553c4c81681410c0f2","token_estimate":409,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Car Storage\nLocation Exists\nIndicator\n\nIndicates that the type of car storage\ndescribed in Car Storage Location Type\nand Car Storage Attachment Type is\npresent.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE\n/CAR_STORAGE_LOCATION[@_Type='Garage']/@_ExistsIndicator\n\n194\n\n1\n\n187\n\nIMPROVEMENTS Garage # of Cars\n\nParking Spaces\nCount\n\nSpecifies the number of vehicle parking\nspaces (i.e., the number of parking spaces\nin a garage, carport or condominium\ncomplex).\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE\n/CAR_STORAGE_LOCATION[@_Type='Garage']/@ParkingSpacesCount\n\n195\n\n1\n\n188\n\nIMPROVEMENTS Carport\n\nCar Storage\nLocation Exists\nIndicator\n\nIndicates that the type of car storage\ndescribed in Car Storage Location Type\nand Car Storage Attachment Type is\npresent.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE\n/CAR_STORAGE_LOCATION[@_Type='Carport']@_ExistsIndicator\n\n196\n\n1\n\n189\n\nIMPROVEMENTS Carport # of Cars\n\nParking Spaces\nCount\n\nSpecifies the number of vehicle parking\nspaces (i.e., the number of parking spaces\nin a garage, carport or condominium\ncomplex).\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE\n/CAR_STORAGE_LOCATION[@_Type='Carport']/@ParkingSpacesCount\n\n1\n\n2\n\nBoolean\n\nA value of 'Y' indicates that there is a driveway. A value of 'N' indicates the box\nwas not 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\n1\n\n2\n\n1\n\n2\n\nBoolean\n\nA value of 'Y' indicates there is a garage. A value of 'N' indicates the box was not\nchecked.\n\nUAD Requirement - Refer to Appendix D Improvements Section\n"} diff --git a/chunks/json/3dde54e7cb72430e5af559a2d3f6a252492ad5028b35bcc1b8b2bd634c1e78f3.json b/chunks/json/3dde54e7cb72430e5af559a2d3f6a252492ad5028b35bcc1b8b2bd634c1e78f3.json new file mode 100644 index 0000000000000000000000000000000000000000..df3bf27b779c9788461cd999dfec76d60df4b9c2 --- /dev/null +++ b/chunks/json/3dde54e7cb72430e5af559a2d3f6a252492ad5028b35bcc1b8b2bd634c1e78f3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":52294,"char_start":50695,"chunk_id":"chk_6e9a34456caaaf7e","chunk_index":29,"chunk_sha256":"3dde54e7cb72430e5af559a2d3f6a252492ad5028b35bcc1b8b2bd634c1e78f3","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"3dde54e7cb72430e5af559a2d3f6a252492ad5028b35bcc1b8b2bd634c1e78f3","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"State\n\n08.022\n08.037\n\nRequired if Credential\nType is not None\n\n2-letter USPS state\ncode\n\nState credential that applies to the assignment, commonly referred to as the\n“credentialling state.”\n\nExpires\n\n08.023\n08.038\n\nRequired if Credential\nType is not None\n\nmm/dd/yyyy\n\nExpiration date of the credential.\n\nOther Information About Appraiser and Supervisory Appraiser\n\nAssignment Information: Contact Information – Other Information about Appraiser and Supervisory Appraiser\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nASC Identifier\n\nIf applicable\n\nFree-form\n\nVA Appraiser ID\n\nIf applicable\n\nFree-form\n\nFHA Appraiser ID\n\nIf applicable\n\nFree-form\n\nReport\nField ID\n\n08.024\n08.039\n\n08.025\n08.040\n\n08.026\n08.041\n\nDefinition / Additional Guidance\n\nA unique identifier for the individual appraiser or supervisory appraiser as\nassigned by the Appraisal Subcommittee.\nNote: If ASC Identifier is not populated for a contact, it does not display.\n\nA unique identifier for the individual appraiser as assigned by the U.S.\nDepartment of Veterans Affairs. Only one identifier per individual.\n\nReference VA appraisal guidelines for more information.\n\nA unique identifier for the individual appraiser as assigned by the U.S. Federal\nHousing Administration.\n\nReference FHA appraisal guidelines for more information.\n\nAppendix F-3: Completion Report Reference Guide\n\nPage 27 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n08 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"} diff --git a/chunks/json/3de5cb0a2bf8800ee306ecafe11200f3cec5808110dc4a616127d13ebca1b5f8.json b/chunks/json/3de5cb0a2bf8800ee306ecafe11200f3cec5808110dc4a616127d13ebca1b5f8.json new file mode 100644 index 0000000000000000000000000000000000000000..2f0c2b10ecf389f7183af9c2e7531697e88a84f7 --- /dev/null +++ b/chunks/json/3de5cb0a2bf8800ee306ecafe11200f3cec5808110dc4a616127d13ebca1b5f8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13825,"char_start":11987,"chunk_id":"chk_c057f84f285cced9","chunk_index":7,"chunk_sha256":"3de5cb0a2bf8800ee306ecafe11200f3cec5808110dc4a616127d13ebca1b5f8","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2f28eab53ee58644","text_sha256":"3de5cb0a2bf8800ee306ecafe11200f3cec5808110dc4a616127d13ebca1b5f8","token_estimate":460,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Use_Database___FHFA_bbf3rc.md"]},"text":"The 2024 Enterprise PUDB Data Dictionary has been consolidated into a single PDF document instead of multiple PDF documents. The 2024 release also includes an Excel version of the Data Dictionary. Both versions will include an additional column that shows the names of each data field provided in the CSV format of the data with a header row.\n\n### Future Release Notes\n\nFHFA plans to release future Enterprise PUDB data in the CSV format only, beginning with the 2025 Enterprise PUDB in September 2026. The TXT format without a header row will be discontinued.\n\nFHFA also plans to discontinue the Enterprise PUDB Single-Family National File A, beginning with the 2025 Enterprise PUDB in September 2026. Users will be able to find exactly the same data except for LTV in the 2025 Enterprise PUDB Single-Family National File B by filtering for owner-occupied 1-unit properties. LTV will be available in the 2025 Enterprise PUDB Census Tract File.\n\nIn addition, PUDB data for both Enterprises will be combined into a single file for each type of 2025 Enterprise PUDB file. However, it will still be feasible to identify and separate data by each Enterprise using the Enterprise flag in data.\n\n### Documentation\n\nData Dictionary [[.pdf]](/document/2024-enterprise-pudb-data-dictionary.pdf) [[.xlsx]](/document/2024-enterprise-pudb-data-dictionary.xlsx)\n\n- **FHFA PUDB Orders and Federal Register Notices**\n\n- [Notice of Order No. 2020–N–11](https://www.govinfo.gov/content/pkg/FR-2020-06-03/pdf/2020-11819.pdf)\n- [Notice of Order No. 2011–N–11](https://www.govinfo.gov/content/pkg/FR-2011-09-28/pdf/2011-24791.pdf)\n- [Notice of Order No. 2010–N–10](https://www.govinfo.gov/content/pkg/FR-2010-07-15/pdf/2010-17119.pdf)\n- [Privacy and Proprietary Determination Matrices](/sites/default/files/2024-01/PUDB-Matrices_05-27-2020.xlsx)\n**Contact**\n"} diff --git a/chunks/json/3dfbbb7407d3a81a454c01799b8a629851d9d67418e746e6da8353c242e059fe.json b/chunks/json/3dfbbb7407d3a81a454c01799b8a629851d9d67418e746e6da8353c242e059fe.json new file mode 100644 index 0000000000000000000000000000000000000000..6fa862cb41f6664b5263f4599b48a2b1554ecca1 --- /dev/null +++ b/chunks/json/3dfbbb7407d3a81a454c01799b8a629851d9d67418e746e6da8353c242e059fe.json @@ -0,0 +1 @@ +{"chunk":{"char_end":32436,"char_start":31103,"chunk_id":"chk_920eee7184db384b","chunk_index":19,"chunk_sha256":"3dfbbb7407d3a81a454c01799b8a629851d9d67418e746e6da8353c242e059fe","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"3dfbbb7407d3a81a454c01799b8a629851d9d67418e746e6da8353c242e059fe","token_estimate":408,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"N/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nPage 16 of 211\n\nDocument Version 1.4\n\nMISMO Data Point Name\n\n..._PER_UNIT_FEE\nProject Per Unit Fee Amount**\n\nProject Per Unit Fee Period Type**\n\n.PROPERTY\n..PROJECT\n...PROJECT_EXTENSION\n….PROJECT_EXTENSION_SECTION\nExtension Section Organization Name\n…..PROJECT_EXTENSION_SECTION_DATA\n……PROJECT_COMMERCIAL\nGSE Project Commercial Space Percent\n\n.PROPERTY\n..NEIGHBORHOOD\nNeighborhood Name**\n\nNeighborhood Description**\n\nNeighborhood Builtup Range Type**\n\nNeighborhood Demand Supply Type**\n\nNeighborhood Growth Pace Type**\n\nProperty Neighborhood Location Type\n\nNeighborhood Market Conditions Description**\n\nNeighborhood Property Value Trend Type**\n\nNeighborhood Typical Marketing Time Duration Type**\n\n.PROPERTY\n..NEIGHBORHOOD\n..._HOUSING\nNeighborhood Housing Type**\n"} diff --git a/chunks/json/3e126551f6ab2394bd45e074f76d7f7d863a4bec0748b8576a912063a9c4faaa.json b/chunks/json/3e126551f6ab2394bd45e074f76d7f7d863a4bec0748b8576a912063a9c4faaa.json new file mode 100644 index 0000000000000000000000000000000000000000..b8e39c99835da5f5676619ae1a53f72a3aca53a6 --- /dev/null +++ b/chunks/json/3e126551f6ab2394bd45e074f76d7f7d863a4bec0748b8576a912063a9c4faaa.json @@ -0,0 +1 @@ +{"chunk":{"char_end":184901,"char_start":183267,"chunk_id":"chk_e0f3f79a7c1b8912","chunk_index":107,"chunk_sha256":"3e126551f6ab2394bd45e074f76d7f7d863a4bec0748b8576a912063a9c4faaa","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"3e126551f6ab2394bd45e074f76d7f7d863a4bec0748b8576a912063a9c4faaa","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Ceramic 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 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)\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 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)\n\nUniform Residential Appraisal Report\n\nPage 9 of 24\nPage 9 of 24\n\nUnit Interior (continued)\n\nLevel 1 - Dining Room\n\nLevel 1 - Family Room\n\nThis is where the Dining Room photo would display.\n\nThis is where the Family Room 2 photo would display.\n"} diff --git a/chunks/json/3e249034c50c0988b7fbb75c68f6bfb8d13e4ef6928455e48cf68e001e7f1a97.json b/chunks/json/3e249034c50c0988b7fbb75c68f6bfb8d13e4ef6928455e48cf68e001e7f1a97.json new file mode 100644 index 0000000000000000000000000000000000000000..166f7613c94dfb63742d89712bdff5e60f527bf1 --- /dev/null +++ b/chunks/json/3e249034c50c0988b7fbb75c68f6bfb8d13e4ef6928455e48cf68e001e7f1a97.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3428,"char_start":1751,"chunk_id":"chk_848e09c0c41bc785","chunk_index":1,"chunk_sha256":"3e249034c50c0988b7fbb75c68f6bfb8d13e4ef6928455e48cf68e001e7f1a97","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_99401d740d4c4f1e","text_sha256":"3e249034c50c0988b7fbb75c68f6bfb8d13e4ef6928455e48cf68e001e7f1a97","token_estimate":420,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-release-aug-19-2023.pdf"]},"text":"DU Validation Service Update\n\nDesktop Originator® Submissions (added to release notes July 12, 2023)\n\nCurrently verification reports are only obtained by the DU validation service for Desktop Originator (DO®) loan casefiles when a\nsponsoring lender has been selected. Effective the weekend of Aug. 19, 2023, verification reports will now be obtained for DO loan\ncasefiles submitted using Preliminary Findings. This will allow Preliminary Findings loan casefiles to receive validation messages,\nuse the positive rent payment history feature, and use the cash flow assessment feature available for DU loan casefiles.\n\nLarge Deposits\n\nTo enhance the security of borrower data in the DU Underwriting Findings report, Account Numbers displayed in the DU\nvalidation service message about large deposits will be truncated to the last four characters.\n\nNew Duty to Serve Message (added to release notes July 12, 2023)\n\nA new Observation message will be issued on principal residence, HomeStyle® Renovation and HomeStyle Energy loan casefiles\nwhere the total qualifying income is equal to or less than 100% of AMI. This message will remind lenders that if the improvements\nbeing made on the HomeStyle Renovation or HomeStyle Energy loan include at least one EnergyStar®-certified improvement,\nthen the loan may be eligible for the Duty to Serve LLPA Waiver.\n\nUpdates to Align with the Selling Guide\n\nCondominium Message\n\nSelling Guide Announcement SEL-2023-02 required the use of Condo Project Manager™ (CPM™) for all condo projects being\nreviewed under the Full Review process. The message issued by DU when a Full Review of the condo project is required will reflect\nthis requirement.\n"} diff --git a/chunks/json/3e3422956e1d81605571f5b277b40448ff02122325130778f3383934e9432c4b.json b/chunks/json/3e3422956e1d81605571f5b277b40448ff02122325130778f3383934e9432c4b.json new file mode 100644 index 0000000000000000000000000000000000000000..d3ed68846ab3a9d9de38667769b9cd67339b9114 --- /dev/null +++ b/chunks/json/3e3422956e1d81605571f5b277b40448ff02122325130778f3383934e9432c4b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":21524,"char_start":19923,"chunk_id":"chk_4b403d0864860cc9","chunk_index":12,"chunk_sha256":"3e3422956e1d81605571f5b277b40448ff02122325130778f3383934e9432c4b","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e27a00af35fdbad9","text_sha256":"3e3422956e1d81605571f5b277b40448ff02122325130778f3383934e9432c4b","token_estimate":401,"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":"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$866,000\n04/10/2019\nTypically Motivated\nNo\n\nFinancial Sales Concessions\n\nFinancial assistance paid by or on behalf of the seller as an inducement to purchase the subject property\n\nKnown Sales Concessions\n\nNo\n\nSales Contract Analysis\n\nThe subject’s sales contract was analyzed with no seller concessions reported.\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\n08/16/2016\n\nAmount\n$750,000\n\nData Source\nAssessor Record\n\nAnalysis of Prior Sale and Transfer History of Subject Property Sale from builder to current owner.\n\nComparable Transfer History\n\nPrior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)\n#\n1\n\nTransfer Terms\nTypically Motivated\n\nData Source\nAssessor Record\n\nDate\n12/12/2018\n\nAmount\n$725,000\n\n2\n\n3\n\n4\n\n5\n\nNone\n\nNone\n\nTypically Motivated\n\n05/30/2017\n\n$715,000\n\nNone\n\nMLS\n\nMLS\n\nMLS\n\nMLS\n\nAnalysis of Prior Sale and Transfer History of Comparable Sales Comparables #1 and #4 are the only properties that have had a transfer\nwithin the past two years.\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 13 of 22\n\nSales Comparison Approach\n"} diff --git a/chunks/json/3e3ce518df7ef7ffdacad273df9753f1d718ba6176f4f8afbc2eb572845bf8c6.json b/chunks/json/3e3ce518df7ef7ffdacad273df9753f1d718ba6176f4f8afbc2eb572845bf8c6.json new file mode 100644 index 0000000000000000000000000000000000000000..a8422a08a9e0b71b5a8714ecb2fc57f34b606f3f --- /dev/null +++ b/chunks/json/3e3ce518df7ef7ffdacad273df9753f1d718ba6176f4f8afbc2eb572845bf8c6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10432,"char_start":9300,"chunk_id":"chk_a18d62914851c2b1","chunk_index":9,"chunk_sha256":"3e3ce518df7ef7ffdacad273df9753f1d718ba6176f4f8afbc2eb572845bf8c6","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"3e3ce518df7ef7ffdacad273df9753f1d718ba6176f4f8afbc2eb572845bf8c6","token_estimate":514,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"All Rights Included in Appraisal\n\nRights Not Included\nMineral Rights Leased\n\n3.027\n\n3.028\n\n3.029\n\nDescription of Rights Not Included\n\n3.030\n\n3.019\n\n3.020\n\n3.021\n\n3.022\n\n3.023\n3.024\n\n3.025\n\nDescription of Ground Rent and Impact to Value/Marketability\n\n3.026\n\nLegal Description\n\n3.031\n\n3.031.1 | 3.031.2\n\nSubject Property Commentary\n\n3.032\n\nSubject Property Exhibits\n3.033.1 | 3.033.2\n\nAppraisal Version #\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21)\n\n(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23)\n\nAppraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27)\n"} diff --git a/chunks/json/3e7749036dee5cd77a61d02e3db84f2091b081bd8d477776f51ecb4ddf5bc406.json b/chunks/json/3e7749036dee5cd77a61d02e3db84f2091b081bd8d477776f51ecb4ddf5bc406.json new file mode 100644 index 0000000000000000000000000000000000000000..0a66aefea1c59e3836b2b028f1c52fe60a31e6ed --- /dev/null +++ b/chunks/json/3e7749036dee5cd77a61d02e3db84f2091b081bd8d477776f51ecb4ddf5bc406.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13097,"char_start":11493,"chunk_id":"chk_3e0a87b967a98757","chunk_index":7,"chunk_sha256":"3e7749036dee5cd77a61d02e3db84f2091b081bd8d477776f51ecb4ddf5bc406","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"3e7749036dee5cd77a61d02e3db84f2091b081bd8d477776f51ecb4ddf5bc406","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH1_Appraisal/_.pdf/MH1_Appraisal_v1.3.pdf"]},"text":"System\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\nHUD Wind Zone\nHUD Thermal Zone\nHUD Roof Load Zone\n\nZone I\nZone 3\nSouth\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 8 of 30\nPage 8 of 30\n\nManufactured Home (continued)\n\nHUD Certification Label\n\nLabel Present for All Sections\n\nYes\n\nHUD Certification Number\n\nore369497\nore369498\n\nInvoice Information\n\nPurchased from Retailer\nRetailer Name\n\nYes\nGood Deal Manufactured\nHomes\n\nRetailer’s Invoice Reviewed\nYes\nManufacturer’s Invoice Reviewed Yes\nYes\nInvoice(s) Appear Reasonable\n\nManufactured Home Commentary\n\nThis was a new Manufactured home installed with existing site structures which is why the home is newer than other structures and amenities.\n\nManufactured Home Exhibits\n"} diff --git a/chunks/json/432aece3cfe5f77dcb6d17f1bbb644d858439ed616ae51ea986ddfe4e5f1b5f0.json b/chunks/json/432aece3cfe5f77dcb6d17f1bbb644d858439ed616ae51ea986ddfe4e5f1b5f0.json new file mode 100644 index 0000000000000000000000000000000000000000..0ba525d091f3cf5527e7c45985004c70fd615522 --- /dev/null +++ b/chunks/json/432aece3cfe5f77dcb6d17f1bbb644d858439ed616ae51ea986ddfe4e5f1b5f0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8373,"char_start":6655,"chunk_id":"chk_a7e08c0868c5f6e2","chunk_index":4,"chunk_sha256":"432aece3cfe5f77dcb6d17f1bbb644d858439ed616ae51ea986ddfe4e5f1b5f0","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8d14ca1837b76af4","text_sha256":"432aece3cfe5f77dcb6d17f1bbb644d858439ed616ae51ea986ddfe4e5f1b5f0","token_estimate":429,"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":"Site Features and Impact to Value/Marketability\n\nFeature\nHazard Zone\n\nProperty Restriction\n\nDetail\nNo Hazard Zone Noted\n\nHistoric Preservation\n\nImpact\n\nComment\n\nBeneficial\n\nThe subject’s project and building are on the National\nRegister of Historic Places; as such it serves as an\narchitectural landmark. Its nomenclature as a Historic\nDesignation is considered beneficial in this market.\nMoreover, the subject’s unit and all other units located in\nthis project reap the benefit of this Historic Designation.\n\nSite Features Commentary Additional commentary can be added here, if needed by Appraiser.\n\nUtilities and Impact to Value/Marketability\n\nBroadband Internet Available\n\nYes\n\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 Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSite Exhibits\n\nProperty Access (Street Scene)\n\nView - Parking Lot\n\nAppraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nSketch\n\nMeasurement Standard\n\nNot Applicable due to property\ntype\n\nSketch\n\nPage 4 of 18\nPage 4 of 18\n\nSketch\n\nSketch Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nAppraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 5 of 18\nPage 5 of 18\n\nDwelling Exterior\n\nSubject Property Units in\nStructure\nStructure Design\nFloors in Building\nFront Door Elevation\nYear Built\nConverted Area\n"} diff --git a/chunks/json/433db8a0aeadd3249cea4aecc429275cd6b1e9e8ced12103675cb508dc6d7e7a.json b/chunks/json/433db8a0aeadd3249cea4aecc429275cd6b1e9e8ced12103675cb508dc6d7e7a.json new file mode 100644 index 0000000000000000000000000000000000000000..ba5347bb41d50e3313ffbfed0e4ca439eb5f0a33 --- /dev/null +++ b/chunks/json/433db8a0aeadd3249cea4aecc429275cd6b1e9e8ced12103675cb508dc6d7e7a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6486,"char_start":4860,"chunk_id":"chk_a0eca8c60f1222f6","chunk_index":3,"chunk_sha256":"433db8a0aeadd3249cea4aecc429275cd6b1e9e8ced12103675cb508dc6d7e7a","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b28a85df80ca57ef","text_sha256":"433db8a0aeadd3249cea4aecc429275cd6b1e9e8ced12103675cb508dc6d7e7a","token_estimate":406,"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":"Physical Address\n\nCounty\nNeighborhood Name\n\n456 Something Rd\nSomewhere, VA 12345\nFabricated\nUnreal Farms\n\nAttachment Type\nUnits Excluding ADUs\nAccessory Dwelling Units\nSpecial Tax Assessments\n\nDetached\n1\n1\nNo\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nProperty on Native American Lands\nSubject Site Owned in Common\nHomeowner Responsible for all Exterior Maintenance\nof Dwelling(s)\nNew Construction\n\nYes No\n \n \n \n \n \n \n \n\n \n\nOwnership Rights\n\nProperty Rights Appraised\nCommunity Land Trust\n\nGround Rent Annual Amount\n\nRenewable\nExpires\n\nLeasehold\nNo\n$1,200\nYes\n06/2099\n\nDescription of Ground Rent and Impact to Value/Marketability\nLeasehold properties are common in the subject’s immediate\nmarket area with most leases having automatic renewal terms of\n50 or 100 years. The lease fees are generally minimal in comparison\nto property values and appear to have no impact on the value or\nmarketability of the properties. The appraisal utilizes 3 sales of\ncomparable leasehold properties from the subject’s neighborhood\nin the sales comparison approach.\n\nAll Rights Included in Appraisal\n\nYes\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 3 of 22\nPage 3 of 22\n\nSubject Property (continued)\n\nLegal Description\n\nUnreal Farm S.1 PCL.300201121002432 F-895-4 BLA 3573702301420 Use agreement 71\n\nSubject Property Commentary\n\nTax Map ID: 2000-61-726997/R128810\n\nSite\n\nTotal Site Size\n\n14,000 Sq. Ft.\n\nNumber of Parcels\n\n1\n\nAssessor Parcel Number (APN)\nF-895-4\n"} diff --git a/chunks/json/4355ba4bc26262929491b38a9b54b9d66591bf51d55b9fde8df22d015cfe505a.json b/chunks/json/4355ba4bc26262929491b38a9b54b9d66591bf51d55b9fde8df22d015cfe505a.json new file mode 100644 index 0000000000000000000000000000000000000000..2f417e7d89ad34d5a51d5ed6ebf16c872493aedd --- /dev/null +++ b/chunks/json/4355ba4bc26262929491b38a9b54b9d66591bf51d55b9fde8df22d015cfe505a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1736,"char_start":0,"chunk_id":"chk_b6c591c52091ad83","chunk_index":0,"chunk_sha256":"4355ba4bc26262929491b38a9b54b9d66591bf51d55b9fde8df22d015cfe505a","date_utc":"2026-01-27T17:54:27+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_85ad3995e0b08891","text_sha256":"4355ba4bc26262929491b38a9b54b9d66591bf51d55b9fde8df22d015cfe505a","token_estimate":531,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHFA_AI_Compliance_Plan___U_S__FEDERAL_HOUSING_iuxm6m.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/fhfa-ai-compliance-plan\"\ndate_accessed: \"2026-01-27T17:54:20.453Z\"\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/435bf54565749364058dcea6f472663e3ffc31a057f67d9b7fb55a826a808419.json b/chunks/json/435bf54565749364058dcea6f472663e3ffc31a057f67d9b7fb55a826a808419.json new file mode 100644 index 0000000000000000000000000000000000000000..6318824ef4e6696ec4d0445bacadfffcf5e0a438 --- /dev/null +++ b/chunks/json/435bf54565749364058dcea6f472663e3ffc31a057f67d9b7fb55a826a808419.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1664,"char_start":0,"chunk_id":"chk_d83dbad9cb79be63","chunk_index":0,"chunk_sha256":"435bf54565749364058dcea6f472663e3ffc31a057f67d9b7fb55a826a808419","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6f440dddc2dfbc71","text_sha256":"435bf54565749364058dcea6f472663e3ffc31a057f67d9b7fb55a826a808419","token_estimate":416,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-findings-report-general-specifications.pdf"]},"text":"DU Findings General Specs - Phase 1\n\nMax-width: 1280px\n\n100% - 296px\n\n48px\n\nAuto\n\n50% - 64px\n\n64px\n\n50% - 64px\n\n64px\n\n296px\n\nAuto\n\n64px\n\n24px\n\n48px\n\n14px\n18px\n\n18px\n\nH1 {\nFont-family: \"Glypha-65Bold\", Georgia, serif;\nFont-size: 36px;\nFont-weight: 400;\nColor: #000f2b;\n}\n\nLabel {\nFont-family: \"Univers-55\", arial, helvetica, sans-serif;\nFont-size: 16px;\nFont-weight: 600;\nColor: #000f2b;\n}\n\nH2 {\nFont-family: \"Glypha-65Bold\", Georgia, serif;\nFont-size: 24px;\nFont-weight: 400;\nColor: #000f2b;\n}\n\nBody {\nFont-family: \"Univers-55\", arial, helvetica, sans-serif;\nFont-size: 15px;\nColor: #444242;\n}\n\nSummary of Findings\n\nCasefile ID\n1367588236\n\nRecommendation\nApprove/Eligible\n\nBorrower 1\n\nJohny Homeowner\n\nSubmission Number\n\n2\n\nBorrower 2\n\nMary Homeowner\n\nSubmission Date\n\n04/05/2018 09:06PM\n\nLender Loan Number\n\n504892160\n\nFirst Submission Date\n\n04/05/2018 05:15PM\n\nDU Version\n\n10.2\n\nSubmitted By\n\ngaumaa\n\nMortgage Information\n\nLTV/CLTV/HCLTV\n\n50.00% / 50.00% / 50.00%\n\nNote Rate\n\n4.400%\n\nHousing Expense Ratio\n\n8.25%\n\nLoan Type\n\nConventional\n\nSummary of Findings\n\nDay 1 Certainty\n\nRisk/Eligibility\n\nFindings\n\nVerification Messages/\nApproval Conditions\n\nObservations\n\nLender Guidance for\nUse with Applicants\n\nUnderwriting\nAnalysis Report\n\nDebt-to-Income Ratio\n\n19.79%\n\nLoan Term\n\n360\n\nTotal Loan Amount\n\n$100,000.00\n\nAmortization Type\n\nFixed Rate\n\n40px\n\nSales Price\n\n$0.00\n\nLoan Purpose\n\nRefinance\n\nActual/Estimated\nAppraised Value\n\n$200,000.00\n\nRefi Purpose\n\nCash-Out\n\n© 2018 Fannie Mae. Trademarks of Fannie Mae.\n\nMonths’ Reservesy\n\n5\n\n32px\n\n32px\n\nNav Link {\nFont-family: \"Univers-55\", arial, helvetica, sans-serif;\nFont-size: 16px;\nFont-weight: 400;\nColor: #444242;\n}\n"} diff --git a/chunks/json/435c0faed2f2caa57b1313df8d9a81da9f4775b65beca236a17eb6551fd0a05d.json b/chunks/json/435c0faed2f2caa57b1313df8d9a81da9f4775b65beca236a17eb6551fd0a05d.json new file mode 100644 index 0000000000000000000000000000000000000000..df3dfe0247a387745950d566174cb1c6d173663f --- /dev/null +++ b/chunks/json/435c0faed2f2caa57b1313df8d9a81da9f4775b65beca236a17eb6551fd0a05d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":138439,"char_start":136772,"chunk_id":"chk_f4af6949f603176f","chunk_index":74,"chunk_sha256":"435c0faed2f2caa57b1313df8d9a81da9f4775b65beca236a17eb6551fd0a05d","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"435c0faed2f2caa57b1313df8d9a81da9f4775b65beca236a17eb6551fd0a05d","token_estimate":417,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"V. XML File Data Payload A to Z\n\nFigure 44. INTEGRATED_DISCLOSURE Child Containers in UCD v2.0.\n\n2. CASH TO CLOSE TABLES\n\nThe purpose of the Calculating Cash to Close table on the CD is to show if and how the closing transaction costs have\nchanged from estimate to the final disclosure. There are two versions of the Cash to Close table—one for a purchase (Model\nform only) and one for a refinance (either Model or Alternate form).\n\nTable 34. XML File Container Structure for Cash to Close Table Data.\n\nUCD UIDs\n\nContainers\n\nCD Section Supported\n\n999.122/999.123\n/999.124\n\nDOCUMENT_SPECIFIC_DATA_SETS/DOCUMENT_S\nPECIFIC_DATA_SET/INTEGRATED_DISCLOSURE\n\nHolds containers supporting certain sections on the CD.\n\n999.125\n\nCASH_TO_CLOSE_ITEMS\n\n999.126\n\nCASH_TO_CLOSE_ITEM\n\nHolds all the sets of line items needed to populate the Cash to\nClose table for the loan transaction.\n\nHolds all the data points making up one line item on the Cash to\nClose table. For a purchase, CASH_TO_CLOSE_ITEM repeats 10\ntimes. For a refinance, it repeats 7 times.\n\nUCD v2.0 Implementation Guide\n\n- 60 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\na. Data Points Supporting the Cash to Close Table for a Purchase\n\ntable\n\nillustrates\n\nThe Cash to Close table is a fitting example of data created within the MISMO DOCUMENT_SPECIFIC_DATA_SET. The\nfollowing\nthe CD and data point names.\nIntegratedDisclosureCashToCloseItemTypes highlighted in light green are used for both a purchase and refinanced. Light blue\nhighlighting identifies data points and enumerations. In UCD v2.0, the first instance of CASH_TO_CLOSE_ITEM specifies data\nneeded for a purchase transaction.\n"} diff --git a/chunks/json/435c4bd2aea32f20d96cbe59cd282c43d9e84ac6c1b3b0fd271d719881d235c1.json b/chunks/json/435c4bd2aea32f20d96cbe59cd282c43d9e84ac6c1b3b0fd271d719881d235c1.json new file mode 100644 index 0000000000000000000000000000000000000000..f5cc967667414e6213f1f965b3a63b5bd52d955e --- /dev/null +++ b/chunks/json/435c4bd2aea32f20d96cbe59cd282c43d9e84ac6c1b3b0fd271d719881d235c1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":27759,"char_start":27254,"chunk_id":"chk_ebb199099e970043","chunk_index":37,"chunk_sha256":"435c4bd2aea32f20d96cbe59cd282c43d9e84ac6c1b3b0fd271d719881d235c1","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"435c4bd2aea32f20d96cbe59cd282c43d9e84ac6c1b3b0fd271d719881d235c1","token_estimate":413,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Appendix B-1: URAR Implementation Guide v1.3\n\nSubject Property Commentary ................................................................................................................................................................................................. 111\n\nSubject Property Exhibits ......................................................................................................................................................................................................... 112\n"} diff --git a/chunks/json/436300da6553f04576115a78ab034e14c5c7ad8ec131d8d0e6dcb4f2fe164b03.json b/chunks/json/436300da6553f04576115a78ab034e14c5c7ad8ec131d8d0e6dcb4f2fe164b03.json new file mode 100644 index 0000000000000000000000000000000000000000..2adb4e5dbe5d34e6d80dd0f19ffbe2b7d859a894 --- /dev/null +++ b/chunks/json/436300da6553f04576115a78ab034e14c5c7ad8ec131d8d0e6dcb4f2fe164b03.json @@ -0,0 +1 @@ +{"chunk":{"char_end":50137,"char_start":49443,"chunk_id":"chk_62f3ab1504bceee9","chunk_index":77,"chunk_sha256":"436300da6553f04576115a78ab034e14c5c7ad8ec131d8d0e6dcb4f2fe164b03","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"436300da6553f04576115a78ab034e14c5c7ad8ec131d8d0e6dcb4f2fe164b03","token_estimate":608,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 235\n\nSearch Results Metrics ............................................................................................................................................................................................................. 235\n\nMarket Commentary ................................................................................................................................................................................................................ 241\n"} diff --git a/chunks/json/43685d508d5482d5242ff4e3e3b68faf21a15f35ae18dc292b5e72813b7bc6f6.json b/chunks/json/43685d508d5482d5242ff4e3e3b68faf21a15f35ae18dc292b5e72813b7bc6f6.json new file mode 100644 index 0000000000000000000000000000000000000000..0f7a1cef6eb2d65eefe43bb75e3ab9c74861fd00 --- /dev/null +++ b/chunks/json/43685d508d5482d5242ff4e3e3b68faf21a15f35ae18dc292b5e72813b7bc6f6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":48250,"char_start":47532,"chunk_id":"chk_eb3a06e441da935c","chunk_index":74,"chunk_sha256":"43685d508d5482d5242ff4e3e3b68faf21a15f35ae18dc292b5e72813b7bc6f6","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"43685d508d5482d5242ff4e3e3b68faf21a15f35ae18dc292b5e72813b7bc6f6","token_estimate":636,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Reconciliation of Overall Quality and Condition ...................................................................................................................................................................... 231\n\n16 Highest and Best Use ....................................................................................................................................................................................................................... 232\n\nOverview ................................................................................................................................................................................................................................................ 232\n"} diff --git a/chunks/json/436a965348a4920c9afd937854fd9dcac66bbd62e061fd0ac3a3154c50109700.json b/chunks/json/436a965348a4920c9afd937854fd9dcac66bbd62e061fd0ac3a3154c50109700.json new file mode 100644 index 0000000000000000000000000000000000000000..84a0934340aa4214ad8789365e6955d103493f6e --- /dev/null +++ b/chunks/json/436a965348a4920c9afd937854fd9dcac66bbd62e061fd0ac3a3154c50109700.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17207,"char_start":15464,"chunk_id":"chk_c7a9d1d8d7e417ae","chunk_index":8,"chunk_sha256":"436a965348a4920c9afd937854fd9dcac66bbd62e061fd0ac3a3154c50109700","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f394d02a93f3888f","text_sha256":"436a965348a4920c9afd937854fd9dcac66bbd62e061fd0ac3a3154c50109700","token_estimate":432,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Mortgage_Servicing___FHFA_ikmqe7.md"]},"text":"[FHFA Extends Foreclosure and REO Eviction Moratoriums](/node/10006) (1/19/2021)\n\n[FHFA Further Extends COVID-Related Loan Flexibilities](/node/9991) (1/14/2021)\n\n[FHFA Extends COVID-19 Multifamily Forbearance Through March 31, 2021](/node/9966) (12/23/2020)\n\n[FHFA Further Extends COVID-Related Loan Flexibilities](/node/9936) (12/10/2020)\n\n[FHFA Extends Foreclosure and REO Eviction Moratoriums](/node/9921) (12/2/2020)\n\n[FHFA Further Extends COVID-Related Loan Flexibilities](/node/9876) (11/13/2020)\n\n[Temporary Policy Allowing Purchase of Qualified Loans in Forbearance Extended](/node/9871)(11/12/2020)\n\n[Temporary Policy Allowing Purchase of Qualified Loans in Forbearance Extended](/node/9841)(10/21/2020)\n\n[FHFA Further Extends COVID-Related Loan Flexibilities](/node/9821)(10/19/2020)\n\n[FHFA Further Extends Buying Loans in Forbearance & COVID-Related Loan Processing Flexibilities](/news/news-release/fhfa-further-extends-buying-loans-in-forbearance-covid-related-loan-processing-flexibilities-0) (9/24/2020)\n\n[FHFA Further Extends Buying Loans in Forbearance & COVID-Related Loan Processing Flexibilities](/node/9766)(8/26/2020)\n\n[FHFA Extends COVID-Related Loan Processing Flexibilities for Fannie Mae and Freddie Mac Customers Through August](/node/9716) (7/9/2020)\n\n[FHFA Extends Foreclosure and Eviction Moratorium; Moratorium applies to Enterprise-backed mortgages](/node/9691)(6/17/2020)\n\n[FHFA Makes Translated COVID-19 Resources Available in Six Languages; COVID-19 Servicing Scripts and Mortgage Assistance Application translations now available](/node/9681) (6/16/2020)\n\n[FHFA Extends COVID-Related Loan Processing Flexibilities for Fannie Mae and Freddie Mac Customers Through July](/node/9671)(6/11/2020)\n"} diff --git a/chunks/json/43857828cf5f9d743a2f21ddb27e5be5ff81632907ea3ff9847f2f43b47f99a1.json b/chunks/json/43857828cf5f9d743a2f21ddb27e5be5ff81632907ea3ff9847f2f43b47f99a1.json new file mode 100644 index 0000000000000000000000000000000000000000..59cd52568deaf61e6e31852af506fca23cf51921 --- /dev/null +++ b/chunks/json/43857828cf5f9d743a2f21ddb27e5be5ff81632907ea3ff9847f2f43b47f99a1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":83378,"char_start":81746,"chunk_id":"chk_dd09a3dfd8cbeaa8","chunk_index":46,"chunk_sha256":"43857828cf5f9d743a2f21ddb27e5be5ff81632907ea3ff9847f2f43b47f99a1","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"43857828cf5f9d743a2f21ddb27e5be5ff81632907ea3ff9847f2f43b47f99a1","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":"•\n\n•\n\nWhen the subject property will generate rental income and is used for qualifying purposes, the rental information section of the\nUniform Residential Appraisal Report (URAR) must be used to support the income-earning potential of the property.\n\nNote: The rental payment on the lease must be reflected in U.S. dollars (cannot be in virtual currency).\n\nWhen the need arises to establish a monthly market rent after the URAR has been initially completed, the original appraiser must\nbe re-engaged to amend the original URAR to include the rental information section.\n\nIn rare cases, the original appraiser may not be available to amend the appraisal report. In this situation, the Single-Family\nComparable Rent Schedule (Form 1007) may be completed by a different appraiser to satisfy the requirement for the loan.\n\nNote: Form 1007 is not a standalone appraisal report, and the alternate appraiser completing it must take the necessary steps to\nbe compliant with Uniform Standards of Professional Appraisal Practice (USPAP).\n\nDocumenting Rental Income from Subject Property\n\nThe lender must obtain documentation that is used to calculate the monthly rental income for qualifying purposes. The\ndocumentation may vary depending on whether the borrower has a history of renting the property, and whether the prior year\ntax return includes the income.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 36 of 166\n\nUAD 3.6 Policy\n\nDoes the Borrower\nHave a History of\nReceiving Rental\nIncome from the\nSubject Property?\n\nTransaction\nType\n\nDocumentation Requirements\n\nYes\n\nRefinance\n\nRental Information section of the URAR1 and either\n"} diff --git a/chunks/json/438f33b3933b93480b4c053fc73f3d44639d17fddf429141cbb1080da6eeaed7.json b/chunks/json/438f33b3933b93480b4c053fc73f3d44639d17fddf429141cbb1080da6eeaed7.json new file mode 100644 index 0000000000000000000000000000000000000000..a4f1292e81c3fa2fab08c66776983348c0666369 --- /dev/null +++ b/chunks/json/438f33b3933b93480b4c053fc73f3d44639d17fddf429141cbb1080da6eeaed7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":375688,"char_start":374088,"chunk_id":"chk_b2be1e670d137aed","chunk_index":222,"chunk_sha256":"438f33b3933b93480b4c053fc73f3d44639d17fddf429141cbb1080da6eeaed7","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"438f33b3933b93480b4c053fc73f3d44639d17fddf429141cbb1080da6eeaed7","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Page 158 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n12 Outbuilding\n\nOutbuilding Commentary\n\nOutbuilding Commentary\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n12.025 Outbuilding\n\nIf applicable\n\nFree-form\n\nCommentary\n\nDefinition / Additional Guidance\n\nCommentary could include information pertinent to the Outbuilding section\nthat is not captured in the discrete data, or additional details to support the\ndiscrete data that is provided.\n\nOutbuilding Exhibits\n\nAll photos or images related to the Outbuilding section are displayed in the Outbuilding Exhibits subsection. If\nthere are no photos or images, this subsection does not display.\n\nOutbuilding Exhibits\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nSee\niGuide\n\nOutbuilding\nExhibits\n\nIf applicable\n\nPhotos or images\n\nDefinition / Additional Guidance\n\nPhotos or images relevant to the Outbuilding section may be provided, which\ndisplay in Outbuilding Exhibits. If the photo or image is not specifically\nindicated, provide a caption to further identify the photo or image.\n\nOutbuildings - Not Real Property\n\nIf the outbuilding is not real property (Outbuilding Considered Real Property is No), an abbreviated set of\ninformation for the Outbuilding section displays. Examples include containers or manufactured homes that are\nnot real property.\n\nNote: Outbuildings that are not real property are not displayed in the Sales Comparison Approach or in the Cost\nApproach.\n\nAppendix F-1: URAR Reference Guide\n\nPage 159 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n12 Outbuilding\n"} diff --git a/chunks/json/4394ee6bf02016ef2ea0d479e5195a0813044f0f2c762f64029754b6ee20ae44.json b/chunks/json/4394ee6bf02016ef2ea0d479e5195a0813044f0f2c762f64029754b6ee20ae44.json new file mode 100644 index 0000000000000000000000000000000000000000..6d836006e49f72a2e51743fc87ee4036c857aae2 --- /dev/null +++ b/chunks/json/4394ee6bf02016ef2ea0d479e5195a0813044f0f2c762f64029754b6ee20ae44.json @@ -0,0 +1 @@ +{"chunk":{"char_end":257419,"char_start":255821,"chunk_id":"chk_2d36391292b5f18a","chunk_index":151,"chunk_sha256":"4394ee6bf02016ef2ea0d479e5195a0813044f0f2c762f64029754b6ee20ae44","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"4394ee6bf02016ef2ea0d479e5195a0813044f0f2c762f64029754b6ee20ae44","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Other (Describe)\n\n8.033\n\nDetail\n(Estimated Age)\n\nAlways required\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nEstimated Age: The appraiser’s estimate of when the roof was last replaced.\n•\nLess than 1 year\n•\n1-10 years\n•\n10-20 years\n• More than 20 years\nNote: If there are varying ages for the roof, choose the one that best explains\nthe Exterior Condition Rating.\n\nAppendix F-1: URAR Reference Guide\n\nPage 106 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n08 Dwelling Exterior\n\nReport\nField ID\n\n8.035\n\nDwelling Exterior: Quality and Condition - Exterior Features - Roof\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nCondition Status Required if Roof\nObservable is Yes\n\nChoose an\nallowable answer\nfrom table\n(Exterior Feature\nCondition Status)\n\nRoof Condition Status: The condition status of the roof.\n•\n•\n•\n•\n\nNew or Like New\nTypical Wear and Tear\nDamaged and Functional\nDamaged and Nonfunctional\n\nNotes:\n•\n\nIf there are varying condition statuses for the roof, choose the one that\nbest explains the Exterior Condition Rating.\nCondition Status reflects the required repairs, inspections, or completions\nas if they were completed. The current condition is noted in the Apparent\nDefects, Damages, and Deficiencies (Dwelling Exterior) subsection.\nIndividual damages must be reported in the Apparent Defects, Damages,\nand Deficiencies (Dwelling Exterior) subsection.\n\n•\n\n•\n\nWindows\n\nThe Windows row always displays in the Exterior Features table.\n\nDwelling Exterior: Quality and Condition - Exterior Features - Windows\n"} diff --git a/chunks/json/439570111b718259a4b5dc3b04d21a4b7212cf1b9c0c499c3acd3bbfa42df34c.json b/chunks/json/439570111b718259a4b5dc3b04d21a4b7212cf1b9c0c499c3acd3bbfa42df34c.json new file mode 100644 index 0000000000000000000000000000000000000000..9a3fd3d5750ee2e122fdb02ab29b1b9a2484bf8c --- /dev/null +++ b/chunks/json/439570111b718259a4b5dc3b04d21a4b7212cf1b9c0c499c3acd3bbfa42df34c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9855,"char_start":8253,"chunk_id":"chk_557c8e12ed79119a","chunk_index":5,"chunk_sha256":"439570111b718259a4b5dc3b04d21a4b7212cf1b9c0c499c3acd3bbfa42df34c","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_5a40ad32f513b121","text_sha256":"439570111b718259a4b5dc3b04d21a4b7212cf1b9c0c499c3acd3bbfa42df34c","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF2_Appraisal/_.xml/SF2_Appraisal_v1.3.xml"]},"text":"Park\n\n1103\n\nFull\n\nResidential\n\nPartial\n\nCommercial\n\n3214 Somewhere Pl\n\nAnywhere\n\n20854\n\nMD\n\nBuiltIn\n\nGarage\n\n2\n\n0\n\nContractDate\n\n0\n\nSaleDate\n\n0\n\nSiteSize\n\n0\n\nView\n\n10000\n\nRowhouseTownhouseEndUnit\n\n0\n\nRowhouseTownhouseLocation\n\n0\n\nLivingUnitBedroomCount\n\n5000\n\nLivingUnitBathroomCount\n\n0\n\nLivingUnitStandardFinishedAreaAboveGrade\n\n6000\n\nLivingUnitStandardFinishedAreaBelowGrade\n\n0\n\nLivingUnitUnfinishedAreaBelowGrade\n\n-4000\n\nWholeHomeAmenity\n\n852000\n\nSouthWest\n\nLess\n\nfalse\n\nConventional\n\n243\n\n3\n\n.03\n\n17000\n\nDwelling\n\n2016\n\nfalse\n\n272\n\n3442\n\n420\n\nfalse\n\n4\n\n3\n\n2\n\nC3\n\nQ3\n\nRowhouseTownhouse\n\nBrick\n\nCementBoard\n\nExteriorWallsAndTrim\n\nC3\n\nQ3\n\n1\n\nfalse\n\nfalse\n\nBottomUnit\n\ntrue\n\nForcedWarmAir\n\nPropertyPhoto\n\n\\\\Images\\SF2_Comp3.png\n\nimage/png\n\n52\n\n840000\n\nSettledSale\n\n25.165170\n\n-51.328128\n\nDeck\n\nDeck\n\nOutdoorLiving\n\n3\n\nIndoorFireplace\n\nElevator\n\nWholeHome\n\n0\n\nAttached\n\n1\n\ntrue\n\n1\n\nC3\n\nQ3\n\nfalse\n\ntrue\n\nFeeSimple\n\nfalse\n\ntrue\n\nfalse\n\n2019-06-09\n\n2019-07-09\n\n835000\n\nSale\n\nNone\n\nfalse\n\nBusyRoadway\n\nPark\n\n2111\n\nFull\n\nResidential\n\nPartial\n\nCommercial\n\n2134 Nothing Hill Pl\n\nAnywhere\n\n20854\n\nMD\n\nBuiltIn\n\nGarage\n\n2\n\n0\n\nContractDate\n\n0\n\nSiteSize\n\n0\n\nYearBuilt\n\n0\n\nLivingUnitBedroomCount\n\n5000\n\nLivingUnitBathroomCount\n\n0\n\nLivingUnitStandardFinishedAreaAboveGrade\n\n6000\n\nLivingUnitStandardFinishedAreaBelowGrade\n\n0\n\nLivingUnitUnfinishedAreaBelowGrade\n\n-4000\n\nWholeHomeAmenity\n\n887000\n\nNorthWest\n\nNoWeight\n\ntrue\n\nOther\n\nUnknown\n\n256\n\n4\n\n.06\n\n7000\n\nDwelling\n\n2015\n\nfalse\n\n272\n\n3442\n\n420\n\nfalse\n\n4\n\n3\n\n2\n\nC3\n\nQ2\n\nRowhouseTownhouse\n\nBrick\n\nWood\n\nExteriorWallsAndTrim\n\nC3\n\nQ3\n\n1\n\nfalse\n\ntrue\n\nfalse\n\nForcedWarmAir\n"} diff --git a/chunks/json/43bf890e033b44f939acd7712a1955f1e54bc1af5198d591daec76b1005e9ab1.json b/chunks/json/43bf890e033b44f939acd7712a1955f1e54bc1af5198d591daec76b1005e9ab1.json new file mode 100644 index 0000000000000000000000000000000000000000..c507f052cbb69435b653408a1edeb8293da9f277 --- /dev/null +++ b/chunks/json/43bf890e033b44f939acd7712a1955f1e54bc1af5198d591daec76b1005e9ab1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14280,"char_start":12890,"chunk_id":"chk_abaffce65ebb6029","chunk_index":8,"chunk_sha256":"43bf890e033b44f939acd7712a1955f1e54bc1af5198d591daec76b1005e9ab1","date_utc":"2026-01-27T17:54:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ca7d705bb5cd4823","text_sha256":"43bf890e033b44f939acd7712a1955f1e54bc1af5198d591daec76b1005e9ab1","token_estimate":403,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Federal_Housing_Finance_Agency___LinkedIn_p6ynde.md"]},"text":"- ![No alternative text description for this image]()\n `` `` [![image]() ![image]() 30](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-reactions) `` `` `` `` `` `` `` [2 Comments](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-comments)\n\n[Like](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_like-cta) [Comment](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_comment-cta) [Share](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_share-cta)\n\n``\n - [](https://www.linkedin.com/posts/fhfa_us-house-prices-rose-03-percent-in-november-activity-7290014550794330114-uMNL) [![View organization page for Federal Housing Finance Agency]()](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-image) [Federal Housing Finance Agency](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-name)\n"} diff --git a/chunks/json/43c588dc5fb36a93a4973179d85337ed29884c39d282558e5f8ec7d2996d56a5.json b/chunks/json/43c588dc5fb36a93a4973179d85337ed29884c39d282558e5f8ec7d2996d56a5.json new file mode 100644 index 0000000000000000000000000000000000000000..f2ef23bfe64ce351e033d460f75847ef28bf6de2 --- /dev/null +++ b/chunks/json/43c588dc5fb36a93a4973179d85337ed29884c39d282558e5f8ec7d2996d56a5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1714,"char_start":0,"chunk_id":"chk_0c0dee575d1f8e9e","chunk_index":0,"chunk_sha256":"43c588dc5fb36a93a4973179d85337ed29884c39d282558e5f8ec7d2996d56a5","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_044166ef44f6a6e4","text_sha256":"43c588dc5fb36a93a4973179d85337ed29884c39d282558e5f8ec7d2996d56a5","token_estimate":525,"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":"---\nsource_url: \"https://www.fhfa.gov/data/mirs\"\ndate_accessed: \"2026-01-27T17:47:56.936Z\"\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/43cb60d5d9d7be875c462c680da5be3797da2f6d6d5dbea662b0ec716dc8dbc8.json b/chunks/json/43cb60d5d9d7be875c462c680da5be3797da2f6d6d5dbea662b0ec716dc8dbc8.json new file mode 100644 index 0000000000000000000000000000000000000000..f0314569fc0b4ce8bd77f7b3cfd15bd002a06f79 --- /dev/null +++ b/chunks/json/43cb60d5d9d7be875c462c680da5be3797da2f6d6d5dbea662b0ec716dc8dbc8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11893,"char_start":10252,"chunk_id":"chk_1fba204bcc5f229d","chunk_index":6,"chunk_sha256":"43cb60d5d9d7be875c462c680da5be3797da2f6d6d5dbea662b0ec716dc8dbc8","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"43cb60d5d9d7be875c462c680da5be3797da2f6d6d5dbea662b0ec716dc8dbc8","token_estimate":410,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"1 = >0, <=80%\n2 = >80, <=120%\n3 = >120%\n9 = Missing\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\nis the ratio used to determine whether the\ncensus tract qualifies as a low-income area for\npurposes of the single-family low-income\nareas housing goal. See definition of Families\nin low-income areas in 12 CFR 1282.1.\n\nSF NFB\n\n8\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n6\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\nincome_cat\n\nBorrower Income Ratio or\nRent Affordability\nCategory\n\n1 = >= 0, <=50%\n2 = >50, <=80%\n3 = >80%\n9 = Not applicable\n\nFor owner-occupied units, the ratio of the\nborrower’s (or borrowers’) annual income to\nthe area median family income for the\nreporting year. This is the ratio used to\ndetermine whether borrower’s (or borrowers’)\nincome qualifies for an income-based housing\ngoal. This is the ratio defined at 12 CFR\n1282.15(b)(1) for owner-occupied units.\n\nFor rental units, the rent affordability category\n(extremely low, very low, low, moderate, or\nother) is based on the ratio of annualized rent\nto area median family income in accordance\nwith 12 CFR 1282.15(d), given the number of\nbedrooms in the unit. Units classified as\n“extremely low” or “very low” are coded 1;\nunits classified as “low” are coded 2; higher-\nrent units are coded 3.\n"} diff --git a/chunks/json/43cd1b192caf7587427c8796a7317e5c953de5937b349fe0db51adb7ab30a23d.json b/chunks/json/43cd1b192caf7587427c8796a7317e5c953de5937b349fe0db51adb7ab30a23d.json new file mode 100644 index 0000000000000000000000000000000000000000..57fe44286b57b5a757682788401a24bc833173a0 --- /dev/null +++ b/chunks/json/43cd1b192caf7587427c8796a7317e5c953de5937b349fe0db51adb7ab30a23d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1624,"char_start":0,"chunk_id":"chk_f2f792b7210023e9","chunk_index":0,"chunk_sha256":"43cd1b192caf7587427c8796a7317e5c953de5937b349fe0db51adb7ab30a23d","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_30543138a1c3e2a6","text_sha256":"43cd1b192caf7587427c8796a7317e5c953de5937b349fe0db51adb7ab30a23d","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/frequently-asked-questions-du-spec.pdf"]},"text":"Fannie Mae Desktop Underwriter Specification\nFrequently Asked Questions\n\nDocument Version 1.1\n\nVersion Date: May 28, 2024\n\n© 2024 Fannie Mae. Trademarks of the respective owners. MISMO is a registered trademark of the\n\nMortgage Industry Standards Maintenance Organization.\n\nFrequently Asked Questions (FAQ) Revision History\nDocument Date\n\nVersion No.\n\nDescription\n\nMay 28, 2024\n\nSeptember 28, 2022\n\n1.1\n\n1.0\n\nAddition of Q26 about the Optimized Dataset\n\nInitial publication\n\n2\n\n1. What field should be used to identify the “sales price”?\n\nThe data point for “sales price” is SalesContractAmount (UID 7.0001) in the DU Spec. This data point is\nmapped to the “Sales Contract Price” in the URLA Lender Loan Information section L4. Qualifying the\nBorrower.\n\nThe sales contract amount must not include any amount of value assigned to personal property.\n\n2. Does Fannie Mae support Excess Contributions from interested parties? If so, what fields will be\n\nused to submit this information?\n\nYes, for both conventional and government loans excess contributions are considered Sales Concessions\nand are reported using the data point SalesConcessionAmount (UID 17.0007). The property’s sales price\n(SalesContractAmount (UID 7.0001)) must be adjusted downward to reflect any Interested Party\nContribution that exceeds the limit specified in the Fannie Mae Selling Guide.\n\nFor a detailed discussion on how to enter Excess Contributions see DU Job Aids on Excess Interested Party\nContributions at the link shown below:\n\nhttps://singlefamily.fanniemae.com/job-aid/new-\ndesktopunderwriter/topic/excess_interested_party_contributions.htm\n"} diff --git a/chunks/json/43cfe42598212d96ad745c938e989b2eb884e589a01daabe7a5e64343745745f.json b/chunks/json/43cfe42598212d96ad745c938e989b2eb884e589a01daabe7a5e64343745745f.json new file mode 100644 index 0000000000000000000000000000000000000000..21db2bec3c4c4b06e95fab5b4aa3d6c23f70645c --- /dev/null +++ b/chunks/json/43cfe42598212d96ad745c938e989b2eb884e589a01daabe7a5e64343745745f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18634,"char_start":16332,"chunk_id":"chk_e3f85f587c934f5d","chunk_index":8,"chunk_sha256":"43cfe42598212d96ad745c938e989b2eb884e589a01daabe7a5e64343745745f","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bc0c11220168b9d2","text_sha256":"43cfe42598212d96ad745c938e989b2eb884e589a01daabe7a5e64343745745f","token_estimate":576,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2011-24791 (1).pdf"]},"text":"Based on the data reported by the\nEnterprises, in 2010, Freddie Mac did\nnot purchase and securitize any first\nmortgages with a HMDA rate spread at\nor above 1.5 percent. Fannie Mae\npurchased and securitized a total of\n13,841 first mortgages (with an unpaid\nprincipal balance (UPB) of $2.08 billion)\nwith a HMDA rate spread. Of these total\nloans, 834 loans (with a UPB of $139.9\nmillion) were repurchased as of year-\nend, and 13,007 loans (with a UPB of\n$1.94 billion) were not repurchased as\nof year-end. The 834 loans repurchased\nrepresent 6 percent of the total loans\n(6.7 percent of UPB) with a validly\nidentified rate spread that were\npurchased and securitized during 2010.\nFHFA considered whether to define\n\n‘‘high-cost’’ loan according to the\nHOEPA ‘‘high-cost mortgage’’ definition\nin section 103(aa) of the Truth in\nLending Act (TILA), as added by the\nDodd-Frank Wall Street Reform and\n\n3 http://federalreserve.gov/pubs/bulletin/2010/\npdf/2009_HMDA_final.pdf at page A39 for example.\n4 http://www.ffiec.gov/ratespread/newcalc.aspx.\n5 Defining ‘‘high cost’’ as the HMDA rate spread\n\nis not, in and of itself, a statement as to whether\nthe loan was originated through subprime lending\nchannels.\n\nConsumer Protection Act (Dodd-Frank\nAct).6 Prior to the Dodd-Frank Act, the\nterm ‘‘high-cost’’ was not used in\nsection 103(aa) with respect to\nmortgages subject to HOEPA, and\nresidential mortgage transactions were\nexempted from coverage. However, the\nterm ‘‘high-cost’’ mortgage had been\nused in previous proposed amendments\nto TILA, and has been used by federal\nregulators for many years to refer to\nHOEPA loans. Section 103(aa) of TILA\ndefine a ‘‘high cost mortgage’’ generally\nas a consumer credit transaction that is\nsecured by a first mortgage on the\nconsumer’s principal dwelling,\nincluding residential mortgage\ntransactions, where the APR is more\nthan 6.5 percentage points above the\naverage prime offer rate (APOR) for a\ncomparable transaction.7 Loans meeting\nthe ‘‘high-cost mortgage’’ definition are\nsubject to other requirements of HOEPA.\nThe new 6.5 percentage points rate\nspread trigger is lower than the 8\npercentage points trigger (based on the\nyield on Treasury securities having a\ncomparable period of maturity) in FRB’s\nregulation in effect prior to enactment of\nthe Dodd-Frank Act.8\n"} diff --git a/chunks/json/43d677ceb9ec7e950eb5e9eeb743c5880e144394b3d4e7ad8a65a186f8dfafe6.json b/chunks/json/43d677ceb9ec7e950eb5e9eeb743c5880e144394b3d4e7ad8a65a186f8dfafe6.json new file mode 100644 index 0000000000000000000000000000000000000000..481966482c392aa5cfb02d04bb18b19216c4bff7 --- /dev/null +++ b/chunks/json/43d677ceb9ec7e950eb5e9eeb743c5880e144394b3d4e7ad8a65a186f8dfafe6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":39031,"char_start":37234,"chunk_id":"chk_e54749c4603172b8","chunk_index":22,"chunk_sha256":"43d677ceb9ec7e950eb5e9eeb743c5880e144394b3d4e7ad8a65a186f8dfafe6","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e27a00af35fdbad9","text_sha256":"43d677ceb9ec7e950eb5e9eeb743c5880e144394b3d4e7ad8a65a186f8dfafe6","token_estimate":450,"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":"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 LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 21 of 22\n\nCertifications\n\nAppraiser Certifications\n\nThe Appraiser certifies and agrees that:\n\n1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective\nowners or occupants of the subject property, or other parties involved in this transaction.\n"} diff --git a/chunks/json/43e68fb8c663af5cf9709979b9b456f1c8eaa00b0efcb3304fc75adc7ecbd662.json b/chunks/json/43e68fb8c663af5cf9709979b9b456f1c8eaa00b0efcb3304fc75adc7ecbd662.json new file mode 100644 index 0000000000000000000000000000000000000000..a71502c286191e7ba1c9595e51dee801709274a3 --- /dev/null +++ b/chunks/json/43e68fb8c663af5cf9709979b9b456f1c8eaa00b0efcb3304fc75adc7ecbd662.json @@ -0,0 +1 @@ +{"chunk":{"char_end":25597,"char_start":24309,"chunk_id":"chk_dda665a888ddeb63","chunk_index":7,"chunk_sha256":"43e68fb8c663af5cf9709979b9b456f1c8eaa00b0efcb3304fc75adc7ecbd662","date_utc":"2026-01-27T17:46:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2ebd54ecea65dd8b","text_sha256":"43e68fb8c663af5cf9709979b9b456f1c8eaa00b0efcb3304fc75adc7ecbd662","token_estimate":423,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Uniform_Mortgage_Data_Program___Fannie_Mae_fh7foa.md"]},"text":"###### 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\n## 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"} diff --git a/chunks/json/43f1200619da331dc4579f5671f58efaa6747d9f668154f8bb499489f639974e.json b/chunks/json/43f1200619da331dc4579f5671f58efaa6747d9f668154f8bb499489f639974e.json new file mode 100644 index 0000000000000000000000000000000000000000..31bd52ef853df4c2cf5154249f089f71092f0019 --- /dev/null +++ b/chunks/json/43f1200619da331dc4579f5671f58efaa6747d9f668154f8bb499489f639974e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":333664,"char_start":332061,"chunk_id":"chk_2bf4cff61a746a38","chunk_index":192,"chunk_sha256":"43f1200619da331dc4579f5671f58efaa6747d9f668154f8bb499489f639974e","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"43f1200619da331dc4579f5671f58efaa6747d9f668154f8bb499489f639974e","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":" \n\nOwnership Rights\n\nProperty Rights Appraised\n\nFee Simple\n\nAll Rights Included in Appraisal\n\nYes\n\nLegal Description\n\nSection 23 Township 3S Range 3E Tax Lot 00700 and 00700B\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 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"} diff --git a/chunks/json/4409c99ac744f9b07d1740661b84f743688c17060c0c99423edf5525493758dd.json b/chunks/json/4409c99ac744f9b07d1740661b84f743688c17060c0c99423edf5525493758dd.json new file mode 100644 index 0000000000000000000000000000000000000000..6467aab948c7acd82f6444fc6aabb2de4e771719 --- /dev/null +++ b/chunks/json/4409c99ac744f9b07d1740661b84f743688c17060c0c99423edf5525493758dd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":61942,"char_start":60045,"chunk_id":"chk_de07bf0fb19304bd","chunk_index":35,"chunk_sha256":"4409c99ac744f9b07d1740661b84f743688c17060c0c99423edf5525493758dd","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"4409c99ac744f9b07d1740661b84f743688c17060c0c99423edf5525493758dd","token_estimate":475,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"25. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain laws and\nregulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or\ndistribution by me.\n\n26. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government\nsponsored enterprises, and other secondary market participants may choose to rely on this appraisal report as part of any mortgage finance\ntransaction that involves any one or more of these parties. A person or entity who receives a copy of an appraisal report does not become\nan intended user, unless the appraiser identifies such person as an intended user. The appraiser and supervisory appraiser (if applicable)\nshall have no liability for any use of this appraisal report not related to the mortgage finance transaction and related activities for which this\nappraisal report was prepared.\n\n27. 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"} diff --git a/chunks/json/4428828683db634baa011ae5c17fb3bb4e9c68805dc67f3f9ba99fbea64cfd8d.json b/chunks/json/4428828683db634baa011ae5c17fb3bb4e9c68805dc67f3f9ba99fbea64cfd8d.json new file mode 100644 index 0000000000000000000000000000000000000000..274ec597320af094a6645404f258583f2b563c4f --- /dev/null +++ b/chunks/json/4428828683db634baa011ae5c17fb3bb4e9c68805dc67f3f9ba99fbea64cfd8d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":2531,"char_start":2138,"chunk_id":"chk_506ccf8183fc0266","chunk_index":1,"chunk_sha256":"4428828683db634baa011ae5c17fb3bb4e9c68805dc67f3f9ba99fbea64cfd8d","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_409ccae3fef5e07e","text_sha256":"4428828683db634baa011ae5c17fb3bb4e9c68805dc67f3f9ba99fbea64cfd8d","token_estimate":98,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-integration-impact-memo-nov-18-2024.pdf","below_target_min_tokens"]},"text":"* If the partner has elected to complete the Solutions Review, and releases with the partner will be completed iteratively, Solution\nReview demonstrations should be completed after each iteration. If the partner is waiting to make all updates at the same time,\ncloser to the mandate date, then only one Solution Review demonstration would be necessary.\n\n© 2024 Fannie Mae 11.18.24 Page 1 of 1\n"} diff --git a/chunks/json/4431a62c3aee45cca49062997c20beb1bee35ae88b182591414353f44c402235.json b/chunks/json/4431a62c3aee45cca49062997c20beb1bee35ae88b182591414353f44c402235.json new file mode 100644 index 0000000000000000000000000000000000000000..4157e11c4dc5e453ec08fb0fac3e7a9f5d3aa890 --- /dev/null +++ b/chunks/json/4431a62c3aee45cca49062997c20beb1bee35ae88b182591414353f44c402235.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10673,"char_start":8906,"chunk_id":"chk_5a5e4b65daec0284","chunk_index":5,"chunk_sha256":"4431a62c3aee45cca49062997c20beb1bee35ae88b182591414353f44c402235","date_utc":"2026-01-27T17:48:00+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_91d238884cfd63d3","text_sha256":"4431a62c3aee45cca49062997c20beb1bee35ae88b182591414353f44c402235","token_estimate":442,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Loss_Mitigation___FHFA_cgj3mf.md"]},"text":"[Learn about options](/homeowners-and-homebuyers/mortgage-assistance/disaster-assistance) available for homeowners affected by natural disasters.\n\n## Servicing Alignment Initiative\n\nFHFA, jointly with the Enterprises, announced the Servicing Alignment Initiative (SAI) in 2011. The objective of SAI was to develop consistent servicing policies that would help servicers to do a better job of resolving delinquencies in a consistent, efficient, and expeditious manner with the goal of keeping struggling borrowers in their homes whenever possible while minimizing losses to the Enterprises and taxpayers. Under SAI, the Enterprises developed a broad suite of aligned loss mitigation programs that streamline the delivery of loss mitigation solutions to borrowers. The success of these efforts is tracked in FHFA's quarterly [Foreclosure Prevention Report](/reports/foreclosure-prevention-report) which documents the Enterprises’ performance in foreclosure prevention actions for borrowers. The loss mitigation solutions outlined in the reports are currently being re-evaluated and redesigned to address a more stable economic environment.\n\n## Current Suite of Loss Mitigation Programs:\n\nThe suite of programs detailed below encompasses the core loss mitigation programs currently offered by the Enterprises for borrowers facing financial hardships. This is not meant to be a comprehensive list of every program an Enterprise may offer. The loss mitigation programs listed are solely for Enterprise loans, and different loan options are available for government insured loans (e.g., FHA-insured loans) or for loans that are not owned or guaranteed by the Enterprises. Not all borrowers will be eligible for a particular program, and other terms or conditions may apply.\n"} diff --git a/chunks/json/44490520fbeb332443369b72a53e4e61f25afeec491212120650484c24d5903b.json b/chunks/json/44490520fbeb332443369b72a53e4e61f25afeec491212120650484c24d5903b.json new file mode 100644 index 0000000000000000000000000000000000000000..86be7c2d7114b1152cbb9d7318bdf4ae6e7859ed --- /dev/null +++ b/chunks/json/44490520fbeb332443369b72a53e4e61f25afeec491212120650484c24d5903b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":42215,"char_start":39713,"chunk_id":"chk_7953e6d2e7048606","chunk_index":23,"chunk_sha256":"44490520fbeb332443369b72a53e4e61f25afeec491212120650484c24d5903b","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8d14ca1837b76af4","text_sha256":"44490520fbeb332443369b72a53e4e61f25afeec491212120650484c24d5903b","token_estimate":626,"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":"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 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024\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\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/44497accb14705b9250e0f7bbcf5d18d8f171cc51c6135decd3525d25b82c131.json b/chunks/json/44497accb14705b9250e0f7bbcf5d18d8f171cc51c6135decd3525d25b82c131.json new file mode 100644 index 0000000000000000000000000000000000000000..a3a6aec85451b72ee801758227842eff4854564c --- /dev/null +++ b/chunks/json/44497accb14705b9250e0f7bbcf5d18d8f171cc51c6135decd3525d25b82c131.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1731,"char_start":0,"chunk_id":"chk_4849bd624e0ec3e2","chunk_index":0,"chunk_sha256":"44497accb14705b9250e0f7bbcf5d18d8f171cc51c6135decd3525d25b82c131","date_utc":"2026-01-27T17:54:28+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_b0deb079107de084","text_sha256":"44497accb14705b9250e0f7bbcf5d18d8f171cc51c6135decd3525d25b82c131","token_estimate":529,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHFA_Conforming_Loan_Limit_Values___FHFA_gfxz8n.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/conforming-loan-limit\"\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/44522063b0fd337234c88bc1bdfedaae3d4b8a588c82751b95c04d1d0d3699cb.json b/chunks/json/44522063b0fd337234c88bc1bdfedaae3d4b8a588c82751b95c04d1d0d3699cb.json new file mode 100644 index 0000000000000000000000000000000000000000..6912ed2e547d1d74bf1d362f8ddede58fb6c08fe --- /dev/null +++ b/chunks/json/44522063b0fd337234c88bc1bdfedaae3d4b8a588c82751b95c04d1d0d3699cb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":54917,"char_start":53062,"chunk_id":"chk_b986b7143a9defe7","chunk_index":29,"chunk_sha256":"44522063b0fd337234c88bc1bdfedaae3d4b8a588c82751b95c04d1d0d3699cb","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"44522063b0fd337234c88bc1bdfedaae3d4b8a588c82751b95c04d1d0d3699cb","token_estimate":464,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"data element to add the lien status for purchased\nloans, which is already included in the PUDB. 80\nFR at 66201; FHFA 2010 Order, 75 FR at 41184.\n\n84 84 FR at 656.\n85 12 CFR 1003.4(a)(3).\n86 84 FR at 656.\n\n(UCD), and new data elements added in\nthe Uniform Loan Delivery Dataset\n(ULDD) Phase 3. These data elements\nhave not been included in the Single-\nFamily PUDB in the past, but are now\nsubject to inclusion because they are\nHMDA data elements that were\ncollected by the Enterprises in 2018.\nHowever, because these are new data\ncollections requiring further analysis to\nensure data quality before inclusion in\nthe PUDB, FHFA is not requiring the\nEnterprises to report them at this time\nfor the PUDB. The data elements are\ndiscussed below.\n\nTotal Loan Costs, Origination\n\nCharges, and Lender Credits: These are\nnew HMDA data elements that\nincorporate certain loan cost items from\nthe closing disclosure required by the\nTruth in Lending Act/Real Estate\nSettlement Procedures Act Integrated\nDisclosure (TRID).87 Total Loan Costs\nindicates the loan cost amount in\ndollars.88 Origination Charges indicates\nthe total borrower-paid origination costs\nfor the loan.89 Lender Credits indicates\nany amounts the lender paid to the\nborrower to offset closing costs.90\n\nEthnicity, Race, and Sex: These are\nHMDA data elements that indicate the\nethnicity, race, and sex of the borrower\nand co-borrower. The Regulation C\namendments expanded the ethnicity\nand race categories to include new sub-\ngroups.91 The Enterprises required loan\nsellers to begin reporting the new\nHMDA ethnicity and race data starting\nin mid-2019, although some sellers\nvoluntarily reported the new data in\n2018. During this transition period, the\nPUDB Single-Family Census Tract File\nwill continue to disclose ethnicity, race,\nand sex data in conformance with the\nformer HMDA reporting categories.\n"} diff --git a/chunks/json/445d05216646dc94f9d36bc3174547a3428f8553ecf5bae59d6a859b2ee43ee0.json b/chunks/json/445d05216646dc94f9d36bc3174547a3428f8553ecf5bae59d6a859b2ee43ee0.json new file mode 100644 index 0000000000000000000000000000000000000000..d4fa7bed11c0902f8f8379174ef521c6d60b9482 --- /dev/null +++ b/chunks/json/445d05216646dc94f9d36bc3174547a3428f8553ecf5bae59d6a859b2ee43ee0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":19626,"char_start":17080,"chunk_id":"chk_5a55dc1ff5c5f7d5","chunk_index":10,"chunk_sha256":"445d05216646dc94f9d36bc3174547a3428f8553ecf5bae59d6a859b2ee43ee0","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5c0b0ee89f21d117","text_sha256":"445d05216646dc94f9d36bc3174547a3428f8553ecf5bae59d6a859b2ee43ee0","token_estimate":637,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004_70.pdf"]},"text":"STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser’s certification in this report is\nsubject to the following assumptions and limiting conditions:\n\n1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title\nto it, except for information that he or she became aware of during the research involved in performing this appraisal. The\nappraiser assumes that the title is good and marketable and will not render any opinions about the title.\n\n2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements.\nThe sketch is included only to assist the reader in visualizing the property and understanding the appraiser’s determination\nof its size.\n\n3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency\n(or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an\nidentified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or\nimplied, regarding this determination.\n\n4. The appraiser will not 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\n5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the\npresence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or\nshe became aware of during the research involved in performing this appraisal. Unless otherwise stated in this appraisal\nreport, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the\nproperty (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances,\nadverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such\nconditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such\nconditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist.\nBecause the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as\nan environmental assessment of the property.\n"} diff --git a/chunks/json/445f33d98d00a0ed7932871b03b669aa34f3004e04d3e111c1c938232587a87f.json b/chunks/json/445f33d98d00a0ed7932871b03b669aa34f3004e04d3e111c1c938232587a87f.json new file mode 100644 index 0000000000000000000000000000000000000000..7ff69d1c533b13b18c4d3cefb134bd2041a04008 --- /dev/null +++ b/chunks/json/445f33d98d00a0ed7932871b03b669aa34f3004e04d3e111c1c938232587a87f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3320,"char_start":2730,"chunk_id":"chk_088c64ee25621146","chunk_index":4,"chunk_sha256":"445f33d98d00a0ed7932871b03b669aa34f3004e04d3e111c1c938232587a87f","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6a5de7e7b0279ba0","text_sha256":"445f33d98d00a0ed7932871b03b669aa34f3004e04d3e111c1c938232587a87f","token_estimate":489,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-documentation.pdf"]},"text":"5b. Weighting ............................................................................................................................................ 8\n\n5c. Variance Estimation ............................................................................................................................ 8\n\n6. Geography in the UAD Appraisal-Level PUF .......................................................................................... 8\n\n7. UAD Appraisal-Level PUF Format .......................................................................................................... 9\n"} diff --git a/chunks/json/4460eb11792d2f19778fabff407a4b9de7bd9533cfd6c2fc109224e111e79942.json b/chunks/json/4460eb11792d2f19778fabff407a4b9de7bd9533cfd6c2fc109224e111e79942.json new file mode 100644 index 0000000000000000000000000000000000000000..c8cd02014efe2be6672f624984178790c8f35463 --- /dev/null +++ b/chunks/json/4460eb11792d2f19778fabff407a4b9de7bd9533cfd6c2fc109224e111e79942.json @@ -0,0 +1 @@ +{"chunk":{"char_end":42273,"char_start":40389,"chunk_id":"chk_61f9bc8b3c5db522","chunk_index":23,"chunk_sha256":"4460eb11792d2f19778fabff407a4b9de7bd9533cfd6c2fc109224e111e79942","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"4460eb11792d2f19778fabff407a4b9de7bd9533cfd6c2fc109224e111e79942","token_estimate":471,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"Report\nField ID\n\n08.006\n08.007\n\nReport Label\n\nWhen to Include\n\nN/A\n\nAlways required for\neach contact (person)\n\nAssignment: Contact Information - Role\n\nAllowable\nAnswers / Format\n\nChoose allowable\nanswers from\ntables (Lender,\nClient, and AMC)\nand (Appraiser\nand Supervisory\nAppraiser)\n\nDefinition / Additional Guidance\n\nRole: The role that the person or company performed in the assignment.\n•\n•\n•\n•\n•\n•\n•\n•\n\nAppraisal Management Company\nAppraiser\nAttorney\nClient\nInvestor\nLender\nSupervisory Appraiser\nOther (Describe)\n\nSelect all applicable roles but at least one Role for each contact that is in the\nCompletion Report.\n\nLender, Client, and AMC\n\nThis portion of the Contact Information subsection shows details about the lender, client, and / or AMC.\nContacts display here when Role is Lender, Client, or AMC.\n\nChoose one contact as the Client in addition to any other role with which the client has been associated. Note\nthat Client, Lender, and AMC are all identified as Roles in this section.\n\nExample: In the most common scenario in which the lender is the client, select both of those Roles when\ninputting the lender contact information to provide context that the lender is also the client.\n\nAppendix F-3: Completion Report Reference Guide\n\nPage 23 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n08 Assignment Information\n\nAllowable Answer\n\nAppraisal Management\nCompany (AMC)\n\nAttorney\n\nClient\n\nInvestor\n\nLender\n\nOther\n\nLender, Client, and AMC: Role (Choose one or more for each Contact)\n\nDefinition / Additional Guidance\n\nNotes:\n•\n•\n•\n\nIf there is an AMC for the assignment, it must be identified in addition to the lender.\nDo not select this answer if there is no AMC for the assignment, i.e., do not populate with “No AMC.”\nIn some jurisdictions, the appraiser is required to identify the AMC as the client. In those cases, choose both AMC\nand Client as the Role for the AMC.\n"} diff --git a/chunks/json/4463456bbb7f8c4f4b3e097f8a34f5f2ec5059b6281294091f21365b5e21dbf8.json b/chunks/json/4463456bbb7f8c4f4b3e097f8a34f5f2ec5059b6281294091f21365b5e21dbf8.json new file mode 100644 index 0000000000000000000000000000000000000000..b398c1c5e94d8ebebb02e781c4c2129d87a1d0a7 --- /dev/null +++ b/chunks/json/4463456bbb7f8c4f4b3e097f8a34f5f2ec5059b6281294091f21365b5e21dbf8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":708923,"char_start":707296,"chunk_id":"chk_a0f09a7d3acfe19b","chunk_index":422,"chunk_sha256":"4463456bbb7f8c4f4b3e097f8a34f5f2ec5059b6281294091f21365b5e21dbf8","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"4463456bbb7f8c4f4b3e097f8a34f5f2ec5059b6281294091f21365b5e21dbf8","token_estimate":407,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Site Value\n\nSite Valuation Method And Site Value\n\nSite Value and Site Valuation Method\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\n25.040 Primary Site\n\nAlways required\n\nValuation\nMethod\n\nChoose an\nallowable answer\nfrom table\n(Primary Site\nValuation Method)\n\nThe method by which the site value is calculated.\n•\n•\n•\n•\n\nAllocation\nExtraction\nSales Comparison\nOther (Describe)\n\n25.041 Opinion of Site\nValue\n\nAlways required\n\nDollar amount\n\nThe dollar value estimated for the property site (e.g., land that is improved so\nthat it is ready to be used for a specific purpose). Can be 0, such as when\nProperty Rights Appraised 3.019 is Leasehold.\nNote: This amount redisplays at the top of the Cost Approach section 25.004.\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nPrimary Site Valuation Method (Choose one)\n\nAllocation\n\nExtraction\n\nSales Comparison\n\nAn estimation of land value in which sales of improved properties are analyzed to establish a typical ratio of land value to\ntotal property value. This ratio is applied to the property being appraised to arrive at an estimated value for the land.\n\nAn estimation of land value in which the depreciated cost of the improvements on the improved property is estimated and\ndeducted from the total sale price to arrive at an estimated value for the land.\n\nIdentifies sales of vacant land and / or sites and applies an adjustment process to the sale price to determine an indicated\nvalue or range of value for the subject site.\nNote: If this answer is selected, land comparables (25.042-25.049) must be provided.\n"} diff --git a/chunks/json/44661931f0d5a901d8992cbd7ae60d89c413e61b7789ee51f9f8d1bb8d7a2f86.json b/chunks/json/44661931f0d5a901d8992cbd7ae60d89c413e61b7789ee51f9f8d1bb8d7a2f86.json new file mode 100644 index 0000000000000000000000000000000000000000..ae089ce9ebfbaaebac02ed12c60216c926165384 --- /dev/null +++ b/chunks/json/44661931f0d5a901d8992cbd7ae60d89c413e61b7789ee51f9f8d1bb8d7a2f86.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4363,"char_start":3877,"chunk_id":"chk_c9f4d120dd0eb250","chunk_index":5,"chunk_sha256":"44661931f0d5a901d8992cbd7ae60d89c413e61b7789ee51f9f8d1bb8d7a2f86","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"44661931f0d5a901d8992cbd7ae60d89c413e61b7789ee51f9f8d1bb8d7a2f86","token_estimate":469,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Header ......................................................................................................................................................................................................................................... 9\n\nFooter ........................................................................................................................................................................................................................................ 10\n"} 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(1).pdf"]},"text":"T\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nUAD Consolidated Schema Matrix\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 10 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\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nN/A\n\nT\n\nT\n\nN/A\n\nT\n\nT\n\nN/A\n\nT\n\nT\n\nN/A\n\nT\n\nT\n\nT\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nN/A\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nN/A\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nN/A\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nN/A\n\nT\n\nT\n\nT\n\n.PROPERTY\n..STRUCTURE\n...KITCHEN_EQUIPMENT\nKitchen Equipment Type**\n\nKitchen Equipment Type Other Description**\n\nKitchen Equipment Exists Indicator**\n\n.PROPERTY\n..STRUCTURE\n...ATTIC\nAttic Exists Indicator**\n\n.PROPERTY\n..STRUCTURE\n...ATTIC_FEATURE\nAttic Feature Type**\n\nAttic Feature Exists Indicator**\n"} diff --git a/chunks/json/44794e12f37d935a32062be31b68e8887b8ce9a8d66f47034442057b344c927e.json b/chunks/json/44794e12f37d935a32062be31b68e8887b8ce9a8d66f47034442057b344c927e.json new file mode 100644 index 0000000000000000000000000000000000000000..f32f45e531f5b520735bdf19679256ec67bd5075 --- /dev/null +++ b/chunks/json/44794e12f37d935a32062be31b68e8887b8ce9a8d66f47034442057b344c927e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":197225,"char_start":195551,"chunk_id":"chk_bd91dd3946b7a47e","chunk_index":115,"chunk_sha256":"44794e12f37d935a32062be31b68e8887b8ce9a8d66f47034442057b344c927e","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"44794e12f37d935a32062be31b68e8887b8ce9a8d66f47034442057b344c927e","token_estimate":419,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"•\n\n•\n•\n\nAppendix F-1: URAR Reference Guide\n\nPage 77 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nSite: Utilities\n\nReport\nField ID\n\n4.072\n\nReport Label\n\nWhen to Include\n\nElectricity\n(Detail)\n\nRequired if Utility Type\nis Electricity and Utility\nOwnership is Non-\nPublic\n\n4.084\n\nSanitary Sewer\n(Detail)\n\n4.084\n\nSanitary Sewer\n(Detail)\n\n4.090 Water\n(Detail)\n\nRequired if Utility Type\nis Sanitary Sewer and\nUtility Ownership is\nNon-Public\n\nRequired for FHA\nappraisals when there\nis no public sanitary\nsewer connected to\nthe site (no checkmark\nis displayed in the\nPublic column)\n\nRequired if Utility Type\nis Water and Utility\nOwnership is Non-\nPublic\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from\ntable (Electricity\nSource)\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nYes | No\n\nChoose one or\nmore allowable\nanswers from\ntable (Water\nSource)\n\nDefinition / Additional Guidance\n\nElectricity Source: The delivery method of electricity to the property.\n•\nBattery Storage\n•\nPermanent Generator\n•\nSolar\n• Wind\n•\n\nOther (Describe)\n\nSewer System\n•\nCesspool\n•\nSeptic\n•\nOther (Describe)\n\nPublic Sewer Available Not Connected\n•\n•\n\nYes (Public sewer available not connected)\nNo (Public sewer not available)\n\nReference the appropriate government agency appraisal guidelines for more\ninformation.\n\nCistern\nHauled Water Holding Tank\nLake or Spring\n\nWater Source: The source of water for the property.\n•\n•\n•\n• Well\n•\n\nOther (Describe)\n\n4.072\n4.078\n4.084\n4.090\n4.096\n\nElectricity\nGas\nSanitary Sewer\nWater\nOther (Describe)\n\nRequired for each\nutility that is\nconnected to the site\nwhen Utility\nOwnership is Non-\nPublic\n"} diff --git a/chunks/json/447f9e8f302638b857e820ee973a52d364dac2186638e755f9c13adc79d9971e.json b/chunks/json/447f9e8f302638b857e820ee973a52d364dac2186638e755f9c13adc79d9971e.json new file mode 100644 index 0000000000000000000000000000000000000000..867eb2acc81ade043741d5981be1784692e71ad3 --- /dev/null +++ b/chunks/json/447f9e8f302638b857e820ee973a52d364dac2186638e755f9c13adc79d9971e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5044,"char_start":3423,"chunk_id":"chk_7ed19400531d00a1","chunk_index":2,"chunk_sha256":"447f9e8f302638b857e820ee973a52d364dac2186638e755f9c13adc79d9971e","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e27a00af35fdbad9","text_sha256":"447f9e8f302638b857e820ee973a52d364dac2186638e755f9c13adc79d9971e","token_estimate":405,"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":"Current Owner of Public Record\nContract Price\nListing Status\n\nProperty Valuation Method\nAppraiser Name\n\nTraditional Appraisal\nAmy Appraiser\n\nProperty Description\n\nConstruction Method\nAttachment Type\nStructure Design\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nSubject Site Owned in Common\n\nUnits Excluding ADUs\nAccessory Dwelling Units\nProperty Rights Appraised\n\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\nZoning Compliance\n\nLegal\n\nSite Built\nAttached\nRowhouse/Townhouse\n\nOverall Quality\nOverall Condition\n\nQ3\nC3\n\nYes No\n \n \n \n \n \n\nYes No\n \n\nThis is where the Subject Property photo would display.\n\nApparent Defects, Damages, Deficiencies Requiring Action\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nDwelling Exterior\n\nExterior Walls and Trim\n\nLocation\n\nDescription\n\nLower right corner of\nrear wall\n\nPossible termite infestation\n\nMechanical System\n\nBelow grade area\n\nThe hot water heater is not operational. No\nhot water.\n\nAs Is Overall Condition Rating\n\nC4\n\nExisting condition of the property as of the effective date of this\nappraisal, excluding all required repairs, alterations, or inspections\n\nAffects Soundness or\nStructural Integrity\n\nRecommended\nAction\n\nNo\n\nNo\n\nInspection\n\nRepair\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 2 of 22\n\nNEW PG!\n\nAssignment Information\n\nAssignment Reason\nBorrower Name\n"} diff --git a/chunks/json/4483938b50d48a69933c5a86a21a5b0e042dc021f54165312a0cddd4cb2bc8b1.json b/chunks/json/4483938b50d48a69933c5a86a21a5b0e042dc021f54165312a0cddd4cb2bc8b1.json new file mode 100644 index 0000000000000000000000000000000000000000..c3e3240065b03661974dbe6886b813abbc8b413d --- /dev/null +++ b/chunks/json/4483938b50d48a69933c5a86a21a5b0e042dc021f54165312a0cddd4cb2bc8b1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":142944,"char_start":141334,"chunk_id":"chk_8df10befd8e7cd69","chunk_index":131,"chunk_sha256":"4483938b50d48a69933c5a86a21a5b0e042dc021f54165312a0cddd4cb2bc8b1","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"4483938b50d48a69933c5a86a21a5b0e042dc021f54165312a0cddd4cb2bc8b1","token_estimate":403,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Intended Use (H1)\n\n• Text sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs.\n\nAdditional Intended Use (H2)\n\n•\n\n“Additional Intended Use cannot be contrary to the original Intended Use.” sets as TXC-I Myriad Pro Italic\nx 45 picas.\n\n• Text sets as TXC x 45 picas.\n\nIntended User (H1)\n\n• Text sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs.\n\nAdditional Intended Users (H2)\n\n•\n\n“Additional Intended Users cannot be contrary to the original Intended User.” sets as TXC-I Myriad Pro\nItalic x 45 picas.\n\n• Text sets as TXC x 45 picas.\n\nCertifications\n\n•\n\n“Certifications” sets as TAB.\n\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 paragraphs.\n\no Numbers set Myriad Pro Bold, followed by a period to text.\n\n•\n\n“Description of Prior Services:” (Certification #15) aligns left with text above and sets as TXC-NPI-B Myriad\nPro 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 Certifications.” sets as\nTXC-I Myriad Pro Italic x 45 picas.\n\nAppendix E: Report Style Guide\n\nPage 83 of 90\n\nVersion 1.4\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"} diff --git a/chunks/json/448e8ecdd531fcaecbfb9153cac6944628442925d6e71a0be7f36e70be1deae5.json b/chunks/json/448e8ecdd531fcaecbfb9153cac6944628442925d6e71a0be7f36e70be1deae5.json new file mode 100644 index 0000000000000000000000000000000000000000..2818e678e1de6c6f75c2996f7b39f9c6e21afeb8 --- /dev/null +++ b/chunks/json/448e8ecdd531fcaecbfb9153cac6944628442925d6e71a0be7f36e70be1deae5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9353,"char_start":8608,"chunk_id":"chk_f0d505c1e6cffe11","chunk_index":5,"chunk_sha256":"448e8ecdd531fcaecbfb9153cac6944628442925d6e71a0be7f36e70be1deae5","date_utc":"2026-01-27T17:45:43+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d9c7431223b2e1d2","text_sha256":"448e8ecdd531fcaecbfb9153cac6944628442925d6e71a0be7f36e70be1deae5","token_estimate":186,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae/links/_.pdf/announcement-sel-2025-10-selling-guide-updates.pdf","below_target_min_tokens"]},"text":"Accessory dwelling units and\nmanufactured homes\n\nPreventing, detecting and\nreporting mortgage fraud\nclarifications\n\n B5-3.2-04, HomeStyle Renovation Mortgages: Costs and Escrow Accounts\n\n B2-1.4-02, Adjustable-Rate Mortgages (ARMs)\n\n B4-2.3-01, Eligibility Requirements for Units in PUD Projects\n\n B5-2-02, Manufactured Housing Loan Eligibility\n\n B5-2-03, Manufactured Housing Underwriting Requirements\n\n B5-2-04, Manufactured Housing Pricing, Mortgage Insurance, and Loan\n\nDelivery Requirements\n\n B5-2-05, Manufactured Housing Legal Considerations\n\n B8-2-02, Special-Purpose Security Instruments\n\n A3-2-01, Compliance with Laws\n\n A3-4-03, Preventing, Detecting, and Reporting Mortgage Fraud\n\n© 2025 Fannie Mae SEL-2025-10 Page 4 of 4\n"} diff --git a/chunks/json/448f76ac0f9e3250ef9278b89d28511732885bbc7636ef83dd85493a75c698c9.json b/chunks/json/448f76ac0f9e3250ef9278b89d28511732885bbc7636ef83dd85493a75c698c9.json new file mode 100644 index 0000000000000000000000000000000000000000..7167181e0c97211298076e7af8721922ad241804 --- /dev/null +++ b/chunks/json/448f76ac0f9e3250ef9278b89d28511732885bbc7636ef83dd85493a75c698c9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":93225,"char_start":91610,"chunk_id":"chk_376255d675275b0a","chunk_index":51,"chunk_sha256":"448f76ac0f9e3250ef9278b89d28511732885bbc7636ef83dd85493a75c698c9","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"448f76ac0f9e3250ef9278b89d28511732885bbc7636ef83dd85493a75c698c9","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"MortgageModificationIndic\nator = “true” and\nLoanStateDate = Date\ndata retrieved from\nsubmitter’s system\n\nIf a convertible loan (indicated by a value of “true” for the ConvertibilityIndicator\nin the “AtClosing” LOAN container), has converted prior to delivery, the\nConvertibleStatusType in the “Current” LOAN container will have a value of\n“Exercised” as a signal to expect the “AtConversion” container.\n\nThe AtConversion container holds information about loans that have changed as a\nresult of the conversion from either biweekly to monthly payment frequency or\nfrom an adjustable to fixed note rate. Business partners must submit the original\nnote information in the LOAN container with a LoanStateType of “AtClosing” and\nan additional LOAN container with a LoanStateType of “AtConversion” to provide\nthe relevant information about how the loan terms have changed as a result of the\nconversion. As with all loan deliveries, the “Current” LOAN container must be\nsubmitted as well.\n\nIf the a convertible loan was modified prior to delivery, and the borrower\nsubsequently exercised the conversion option, business partners need not submit\ninformation about the modification; simply submit the data for the original loan in\n“AtClosing” and the accurate information about the loan as converted in\n“AtConversion.”\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 39 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nFigure IV-10. LOAN Containers Required for Converted Loans.\n\nSubject Loan / At\nClosing\n"} diff --git a/chunks/json/44bdedd4b36f029fc6ac96b7a7e05485a849483c75f433d54fa96a036f04d511.json b/chunks/json/44bdedd4b36f029fc6ac96b7a7e05485a849483c75f433d54fa96a036f04d511.json new file mode 100644 index 0000000000000000000000000000000000000000..d5daae5a2f189d6e192b08eab73c55e06e59c3ea --- /dev/null +++ b/chunks/json/44bdedd4b36f029fc6ac96b7a7e05485a849483c75f433d54fa96a036f04d511.json @@ -0,0 +1 @@ +{"chunk":{"char_end":622452,"char_start":620836,"chunk_id":"chk_6168e6a023992210","chunk_index":367,"chunk_sha256":"44bdedd4b36f029fc6ac96b7a7e05485a849483c75f433d54fa96a036f04d511","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"44bdedd4b36f029fc6ac96b7a7e05485a849483c75f433d54fa96a036f04d511","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"420\n\n3\n\n81\n\nSALES\nCOMPARISON\nAPPROACH\n\nQuality of Construction\n\nGSE Quality Of\nConstruction\nRating Type\n\nThe overall rating of the property's quality\nof construction.\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/@GSEQualityOfConstructionRatingType\n\n2\n\nEnumerated\n\nAllowable Values\nQ1\nQ2\nQ3\nQ4\nQ5\nQ6\n\nCR\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nCR\n\nR\n\nR\n\nR\n\n421\n\n3\n\n82\n\nSALES\nCOMPARISON\nAPPROACH\n\nQuality of Construction\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='Quality']/@_Amount\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum of this field 3-82 and fields (3-\n60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-72,\n3-74, 3-76, 3-78, 3-80, 3-84, 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\nCR\n\nCR\n\nCR\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 117 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"} diff --git a/chunks/json/44c137788ef0a9607f98e26379c0a590ff26ebc408e919792026ba8cb15edd21.json b/chunks/json/44c137788ef0a9607f98e26379c0a590ff26ebc408e919792026ba8cb15edd21.json new file mode 100644 index 0000000000000000000000000000000000000000..d8b461c859d89a69de35a24ce797fc4418103a37 --- /dev/null +++ b/chunks/json/44c137788ef0a9607f98e26379c0a590ff26ebc408e919792026ba8cb15edd21.json @@ -0,0 +1 @@ +{"chunk":{"char_end":35121,"char_start":33735,"chunk_id":"chk_784bb871673c06f8","chunk_index":21,"chunk_sha256":"44c137788ef0a9607f98e26379c0a590ff26ebc408e919792026ba8cb15edd21","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ae699ea5c646d934","text_sha256":"44c137788ef0a9607f98e26379c0a590ff26ebc408e919792026ba8cb15edd21","token_estimate":403,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Scenario_2_Appraisal/_.pdf/2-to4-unit_Scenario_2_Appraisal_v1.1.pdf"]},"text":"$2,700\n\n$2,600\n\n$2.00\n\n$2,500\n\n$2,550\n\n$2.48\n\n$2,600\n\n$2,650\n\n$2.14\n\n$2,550\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$2,550\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\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 21 of 26\nPage 21 of 26\n\nRental Information (continued)\n\nProximity to Subject\n\nFloor Number\n\nInterior Condition\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area\n\nSubject\nUnit C\n\n2\n\nC3\n\n2\n\n2 | 0\n\n#2\n3 Miles N\n\n2\n\nC3\n\n2\n\n2 | 0\n\nComparables\n#4\n\n#6\n\nSubject\nUnit D\n\n4.5 Miles S\n\n3.5 Miles E\n\n#2\n3 Miles N\n\nComparables\n#4\n\n#6\n\n4.5 Miles S\n\n3.5 Miles E\n\n2\n\nC4\n\n2\n\n2 | 0\n\n2\n\nC3\n\n2\n\n2 | 0\n\n2\n\nC3\n\n2\n\n2 | 0\n\n2\n\nC3\n\n2\n\n2 | 0\n\n2\n\nC4\n\n2\n\n2 | 0\n\n2\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\n1,200 Sq. Ft.\n\n1,250 Sq. Ft.\n\n1,050 Sq. Ft.\n\nVehicle Storage | Spaces\n\nCarport | 1\nDriveway | 1\n\nSimilar\n\nSimilar\n\nSimilar\n\nCarport | 1\nDriveway | 1\n\nSimilar\n\nSimilar\n\nSimilar\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"} diff --git a/chunks/json/44c4c19301ded89fba2ff4d550a018b1c58423c694f92656ec338d8becd55208.json b/chunks/json/44c4c19301ded89fba2ff4d550a018b1c58423c694f92656ec338d8becd55208.json new file mode 100644 index 0000000000000000000000000000000000000000..6ec922cb93e6201ecba53067a473ea63964b46cf --- /dev/null +++ b/chunks/json/44c4c19301ded89fba2ff4d550a018b1c58423c694f92656ec338d8becd55208.json @@ -0,0 +1 @@ +{"chunk":{"char_end":770915,"char_start":769311,"chunk_id":"chk_629f2dbe08329813","chunk_index":457,"chunk_sha256":"44c4c19301ded89fba2ff4d550a018b1c58423c694f92656ec338d8becd55208","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"44c4c19301ded89fba2ff4d550a018b1c58423c694f92656ec338d8becd55208","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"155\n\n1\n\n148\n\nPROJECT\nINFORMATION\n\nProject\nTotal # Parking\n\nParking Spaces\nCount\n\nSpecifies the number of vehicle parking\nspaces (i.e., the number of parking spaces\nin a garage, carport or condominium\ncomplex).\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_CAR_STORA\nGE/@ParkingSpacesCount\n\n156\n\n157\n\n1\n\n1\n\n149\n\n150\n\nPROJECT\nINFORMATION\n\nProject (Parking)\nRatio (spaces/units)\n\nPROJECT\nINFORMATION\n\nProject (Parking)\nType\n\nProject Car Storage\nSpaces To Units\nRatio Number\n\nProject Car Storage\nDescription\n\nSpecifies the ratio of the total number of\nparking spaces to the number of units in\nthe project.\nSpecifies the details, condition,\nrestrictions, proximity, etc. of car storage\nfor the entire project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_CAR_STORA\nGE/@_SpacesToUnitsRatioNumber\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_CAR_STORA\nGE/@_Description\n\n17\n\n45\n\n4\n\n3\n\n17\n\n17\n\n17\n\n1\n\n4\n\n25\n\n20\n\n20\n\n20\n\n20\n\n20\n\nEnumerated\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 1-\n132, 1-133, 1-134, 1-135, 1-136, 1-137\n(values of Project Design Type) should be\nindicated.\n\nString\n\nUAD Instruction - Refer to Appendix D Project Information Section\n\nThis field should be populated if and only if\nfield 1-137 (Project Design Type = 'Other')\nis indicated.\n\nNumeric\n\nNumeric\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nBoolean\n\nDate/Time\n\nString\n\nString\n\nString\n"} diff --git a/chunks/json/44d8affe4a44569f8048002f335dc37956f40d082a7d97b4f8215a473cb58f94.json b/chunks/json/44d8affe4a44569f8048002f335dc37956f40d082a7d97b4f8215a473cb58f94.json new file mode 100644 index 0000000000000000000000000000000000000000..7008ca07cee3a777b0f9db2c157cc0cd00eef6f2 --- /dev/null +++ b/chunks/json/44d8affe4a44569f8048002f335dc37956f40d082a7d97b4f8215a473cb58f94.json @@ -0,0 +1 @@ +{"chunk":{"char_end":154251,"char_start":152539,"chunk_id":"chk_0bbcc04c6c12c061","chunk_index":89,"chunk_sha256":"44d8affe4a44569f8048002f335dc37956f40d082a7d97b4f8215a473cb58f94","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"44d8affe4a44569f8048002f335dc37956f40d082a7d97b4f8215a473cb58f94","token_estimate":428,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Allowable Answer\n\nPedestrian Only Access\n\nPrivate Airstrip\n\nPrivate Street\n\nPublic Street\n\nWaterway\n\nPrimary Access to Property (Choose one)\n\nDefinition / Additional Guidance\n\nIndicates the property is landlocked and can only be accessed by foot (e.g., walking, hiking) and cannot be accessed by any\nother method. An easement is typically required to access the property.\nNote: Choose this answer for situations in which there is a street giving access to the subject property that has been\nconverted to pedestrian-only access and is the only access.\n\nNote: Do not include airstrips that serve a project or community. These are reported in Common Amenities / Services\n(18.012).\n\nNote: Do not choose this answer for pedestrian-only streets.\n\nNote: Do not choose this answer for pedestrian-only streets.\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nAppendix F-1: URAR Reference Guide\n\nPage 60 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nStreet Type (Choose all that apply)\n\nAlley\n\nArterial Street\n\nCollector Street\n\nCul-de-sac\n\nDead End\n\nLocal Road\n\nRural Road\n\nA typically narrow passageway between buildings or residences that is designed to provide access to the property but not\nmeant for use as a local road.\n\nA high-capacity road primarily designed to provide routes from city to city; features divided lanes and high to moderate\nrates of speed, limited and controlled pedestrian access (e.g., state or county highway).\n\nA moderate-capacity road designed to link to arterial roads and collect traffic from local roads; may feature divided lanes,\nmoderate rates of speed, and controlled pedestrian access.\n"} diff --git a/chunks/json/44d97d355c5aefc925e9020c6bf0850a340b2b8fbb5ca8289d6bdc28e9b634a2.json b/chunks/json/44d97d355c5aefc925e9020c6bf0850a340b2b8fbb5ca8289d6bdc28e9b634a2.json new file mode 100644 index 0000000000000000000000000000000000000000..197358936d7e3f4db41107fff8a64ba85e74cce2 --- /dev/null +++ b/chunks/json/44d97d355c5aefc925e9020c6bf0850a340b2b8fbb5ca8289d6bdc28e9b634a2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":152911,"char_start":150813,"chunk_id":"chk_5677bc0072117d24","chunk_index":89,"chunk_sha256":"44d97d355c5aefc925e9020c6bf0850a340b2b8fbb5ca8289d6bdc28e9b634a2","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"44d97d355c5aefc925e9020c6bf0850a340b2b8fbb5ca8289d6bdc28e9b634a2","token_estimate":525,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Appraiser 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 19 of 22\nPage 19 of 22\n\nReconciliation (continued)\n\nApparent Defects, Damages, Deficiencies\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nUnit Interior\n\nLocation\n\nDescription\n\nAffects Soundness or\nStructural Integrity\n\nRecommended\nAction\n\nWalls and Ceiling\n\nBedroom\n\nSubject Property Amenities\n\nPeeling paint was observed in one of the\nbedrooms of unit. Appears to be typical\ndeferred maintenance.\n\nNo\n\nBalcony\n\nAdjacent to Living Room Balcony is functional, but shows overall age\n\nNo\n\nNone\n\nNone\n\nand some deferred maintenance, mainly\nfrom the cracking of concrete. The condo\nassociation has systematically been moving\nthroughout the building and making repairs\nas needed throughout all unit balconies.\n\nAppraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1)\n\nUniform Residential Appraisal Report\n\nPage 20 of 22\nPage 20 of 22\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of\nassumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions\nand limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis\nnecessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the\ncertifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material\nalterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an\nappraisal organization, are permitted.\n"} diff --git a/chunks/json/44db71b5fa168c87c83c078e9d2a44a83dd3e91bf1d1443376831f29a431a03c.json b/chunks/json/44db71b5fa168c87c83c078e9d2a44a83dd3e91bf1d1443376831f29a431a03c.json new file mode 100644 index 0000000000000000000000000000000000000000..c3082cf8c85aae71bf16235dabd446c2bbac6f90 --- /dev/null +++ b/chunks/json/44db71b5fa168c87c83c078e9d2a44a83dd3e91bf1d1443376831f29a431a03c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3206,"char_start":1599,"chunk_id":"chk_9a1959db1d0e0137","chunk_index":1,"chunk_sha256":"44db71b5fa168c87c83c078e9d2a44a83dd3e91bf1d1443376831f29a431a03c","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_54c90e842324b7de","text_sha256":"44db71b5fa168c87c83c078e9d2a44a83dd3e91bf1d1443376831f29a431a03c","token_estimate":401,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073_465.pdf"]},"text":"Note: Race and the racial composition of the neighborhood are not appraisal factors.\n\nNeighborhood Characteristics\n\nLocation Urban\n53\n Over 75%\nBuilt-Up\n56\n Rapid\nGrowth\n59\nNeighborhood Boundaries 83\n\nSuburban\n54\n 25–75%\n57\n Stable\n60\n\nNeighborhood Description 84\n\nRural\nProperty Values Increasing\n55\n Under 25% Demand/Supply Shortage\n58\n Slow\n61\n\nCondominium Unit Housing Trends\n Declining\n Stable\n64\n63\n In Balance Over Supply\n66\n67\n Over 6 mths\n 3–6 mths\n69\n70\n\n65\n Under 3 mths\n68\n\nMarketing Time\n\n62\n\nCondominium Housing Present Land Use %\n\nPRICE\n$ (000)\n\nAGE\n(yrs)\n\n71 Low 74\n 72 High 75\n 73 Pred. 76\n\n77 %\nOne-Unit\n2-4 Unit\n78 %\nMulti-Family 79 %\n80 %\nCommercial\n82 %\nOther\n\nMarket Conditions (including support for the above conclusions) 85\n\nSize 87\n\nTopography 86\nSpecific Zoning Classification 90\nZoning Compliance Legal Legal Nonconforming – Do the zoning regulations permit rebuilding to current density? Yes No\n No Zoning\n96\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use? Yes No If No, describe 101\n\n92\n Illegal (describe) 98\n97\n\nZoning Description 91\n\nDensity 88\n\nView e-5; e-6; e-7\n\n100\n\n94\n\n93\n\n99\n\n95\n\n105\n\n102\n\nUtilities\nPublic Other (describe)\n 104\nElectricity\n103\n 107\nGas\n106\n111\nFEMA Special Flood Hazard Area Yes No FEMA Flood Zone 122\n120\nAre the utilities and off-site improvements typical for the market area? Yes No If No, describe 127\n126\nAre there any adverse site conditions or external factors (easements, encroachments, environmental conditions, land uses, etc.)? Yes No If Yes, describe\n130\n"} diff --git a/chunks/json/44e953b7b0ad93710fcf248adae66715983ae9e0c753e83caa3413b482e483c5.json b/chunks/json/44e953b7b0ad93710fcf248adae66715983ae9e0c753e83caa3413b482e483c5.json new file mode 100644 index 0000000000000000000000000000000000000000..33845c112fa475b08463b5b4842af72e8ede6de9 --- /dev/null +++ b/chunks/json/44e953b7b0ad93710fcf248adae66715983ae9e0c753e83caa3413b482e483c5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":135026,"char_start":133388,"chunk_id":"chk_4997e6d8b4614485","chunk_index":126,"chunk_sha256":"44e953b7b0ad93710fcf248adae66715983ae9e0c753e83caa3413b482e483c5","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"44e953b7b0ad93710fcf248adae66715983ae9e0c753e83caa3413b482e483c5","token_estimate":410,"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“Type” sets as TXR-B, TXR\n\n“Date” sets as TXR-B, TXR\n\nRight-hand side of page\n\n•\n\n“Result” sets as TXR-B, TXR\n\n“Reconsideration of Value Commentary” sets as TXC-B x 45 picas (bold lead in to Myriad Pro Regular text).\n\nSupplemental Information Exhibits (H1)\n\n“Supplemental Information” sets as TAB. Section does not display if there are no exhibits.\n\n• Starts new page\n\n• Subsection starts with text; TAB sets elsewhere; see below\n\n• Content sets as TXC Myriad Pro x 45 picas\n\nScope of Work (H1)\n\n• Content sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs.\n\nAdditional Scope of Work (H2)\n\n•\n\n“Additional Scope of Work cannot be contrary to the original Scope of Work.” sets as TXC-I\nMyriad Pro Italic x 45 picas\n\n• Text sets TXC x 45 picas\n\nIntended Use (H1)\n\n• Text sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs\n\nAppendix E: Report Style Guide\n\nPage 77 of 90\n\nVersion 1.4\n\nAdditional Intended Use (H2)\n\n•\n\n“Additional Intended Use cannot be contrary to the original Intended Use.” sets as TXC-I\nMyriad Pro Italic x 45 picas\n\n• Text sets TXC x 45 picas\n\nIntended User (H1)\n\n• Text sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs\n\nAdditional Intended Users (H2)\n\n•\n\n“Additional Intended Users cannot be contrary to the original Intended User.” sets as TXC-I\nMyriad Pro Italic x 45 picas\n\n• Text sets TXC x 45 picas\n\nDefinition of Market Value (H1)\n\n• Text sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs\n\n• Footnote text sets as FN, 8/10 Myriad Pro Regular x 45 picas; 5 points additional space above\n"} diff --git a/chunks/json/44ea7a52106c98c937ff0f2c5de9a4cd311c4ea44a08ee8a5b0e5bc83da08c2b.json b/chunks/json/44ea7a52106c98c937ff0f2c5de9a4cd311c4ea44a08ee8a5b0e5bc83da08c2b.json new file mode 100644 index 0000000000000000000000000000000000000000..2a140c68cd22584c0b9e572f50f6cb9fa90c1502 --- /dev/null +++ b/chunks/json/44ea7a52106c98c937ff0f2c5de9a4cd311c4ea44a08ee8a5b0e5bc83da08c2b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":307597,"char_start":305648,"chunk_id":"chk_60cca3accb45b095","chunk_index":169,"chunk_sha256":"44ea7a52106c98c937ff0f2c5de9a4cd311c4ea44a08ee8a5b0e5bc83da08c2b","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"44ea7a52106c98c937ff0f2c5de9a4cd311c4ea44a08ee8a5b0e5bc83da08c2b","token_estimate":487,"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 116 of 166\n\nUAD 3.6 Policy\n\nSB4-1.4-08, Apparent Environmental Conditions (06/04/2025)\n\nIntroduction\n\nThis topic contains information on special appraisal considerations for properties affected by environmental conditions,\nincluding:\n\n• Overview\n• Appraisal Requirements\n•\nLender Requirements\n\nOverview\n\nFannie Mae purchases or securitizes mortgage loans secured by properties affected by environmental conditions if the effect of\nthe condition is measurable through an analysis of comparable market data as of the effective date of the appraisal report, and\nthe appraiser reflects in the appraisal report any adverse effect that the apparent environmental condition has on the value and\nmarketability of the subject property or indicates that the comparable market data reveals no buyer resistance to the apparent\nenvironmental condition.\n\nIn rare situations, a particular environmental condition may have a significant effect on the value of the subject property,\nalthough the actual effect is not measurable because the contamination (hazard or nuisance) is so serious or so recently\ndiscovered that an appraiser cannot develop a reliable opinion of market value because there is no comparable market data\navailable, such as sales, contract sales, or active listings that are available to reflect the effect of the environmental condition. In\nsuch cases, the loan is not eligible for sale to Fannie Mae.\n\nAppraisal Requirements\n\nWhen the appraiser has knowledge of an apparent environmental condition that impacts the value and marketability of the\nproperty, whether it exists onsite, offsite, or on a bordering site (including but not limited to, the presence of hazardous\nsubstances, soil or water contamination, radon, underground storage tanks, or a superfund site), the appraiser in the site\ninfluence table within the Site section of the Uniform Residential Appraisal Report (URAR) must\n"} diff --git a/chunks/json/44eb998a84b3ba6c4da86eb5a405f170550759e72eb89d7cd14e35a55cd0eece.json b/chunks/json/44eb998a84b3ba6c4da86eb5a405f170550759e72eb89d7cd14e35a55cd0eece.json new file mode 100644 index 0000000000000000000000000000000000000000..8a93a5bc5efe75d237c8ea083cc20394fda87627 --- /dev/null +++ b/chunks/json/44eb998a84b3ba6c4da86eb5a405f170550759e72eb89d7cd14e35a55cd0eece.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1608,"char_start":0,"chunk_id":"chk_efa177c407aa87f3","chunk_index":0,"chunk_sha256":"44eb998a84b3ba6c4da86eb5a405f170550759e72eb89d7cd14e35a55cd0eece","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_bb6c30042af83c9d","text_sha256":"44eb998a84b3ba6c4da86eb5a405f170550759e72eb89d7cd14e35a55cd0eece","token_estimate":402,"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":"AssessorRecord\n\nMLS\n\nPhysicalMeasurement\n\n134710\n\nMLS\n\n133832\n\nMLS\n\n134531\n\nMLS\n\nXYZ Housing Data\n\n456 Something Rd\n\nSomewhere\n\nFabricated\n\n12345\n\nVA\n\n400\n\nDetached\n\nCarport\n\n2\n\n\\\\Images\\SF4_Carport.png\n\nimage/png\n\nDriveway\n\nAsphalt\n\n4\n\nfalse\n\n\\\\Images\\SF4_Carport.png\n\nimage/png\n\n528\n\nAttached\n\nGarage\n\n2\n\n\\\\Images\\SF4_Garage.png\n\nimage/png\n\nNone\n\ntrue\n\nThe solar panels are leased and therefore not considered part of the real property. The lease is transferable when the subject is sold, however there is no measurable impact on value or marketability as the decision to transfer the lease would be the personal preference of any purchaser of the property.\n\nfalse\n\ntrue\n\nNeutral\n\nHERS\n\nRESNET\n\n65\n\nHome Energy Score\n\nDOE\n\n7\n\nLeased\n\nSolar\n\nNone\n\nNone\n\nfalse\n\ntrue\n\nfalse\n\nDwelling\n\nfalse\n\n1979\n\nfalse\n\nNone\n\nCarpet\n\nUpdated 5 years ago\n\nTypicalWearAndTear\n\nStandard grade\n\nCeramicTile\n\nUpdates in the last 1-5 years\n\nTypicalWearAndTear\n\nStandard grade with some upgraded\n\nEngineeredWood\n\nWell-maintained\n\nTypicalWearAndTear\n\nStandard grade\n\nVinyl\n\nUpdated 5 years ago\n\nTypicalWearAndTear\n\nStandard grade\n\nCarpets, Tile, Hardwood\n\nFlooring\n\nModeratelyUpdated\n\nNo damage or condition issues noted\n\nTypicalWearAndTear\n\nStandard grade\n\nStandard 8-9 Ft. Ceilings\n\nWallsAndCeiling\n\nEightFeet\n\nNineFeet\n\nFlat\n\nNo damage or condition issues noted\n\nTypicalWearAndTear\n\nBelow grade area has a custom brick wet bar that includes wood countertops.\n\nOther\n\nWet bar with custom brick work has been added as a unique interior feature.\n\nWet Bar\n\nInteriorAndExteriorAccess\n\nWalkOut\n\nPartiallyBelowGrade\n\n640\n\nBelowGradeOne\n"} diff --git a/chunks/json/44f9eaa24d0f443663f0e7d722ecbdea5300c0e9f803ad33f744c7a0532d3a15.json b/chunks/json/44f9eaa24d0f443663f0e7d722ecbdea5300c0e9f803ad33f744c7a0532d3a15.json new file mode 100644 index 0000000000000000000000000000000000000000..9da6fb71977d1b2202be8f878e392bf23561da1c --- /dev/null +++ b/chunks/json/44f9eaa24d0f443663f0e7d722ecbdea5300c0e9f803ad33f744c7a0532d3a15.json @@ -0,0 +1 @@ +{"chunk":{"char_end":193548,"char_start":191948,"chunk_id":"chk_cc709a526d8b9c92","chunk_index":193,"chunk_sha256":"44f9eaa24d0f443663f0e7d722ecbdea5300c0e9f803ad33f744c7a0532d3a15","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"44f9eaa24d0f443663f0e7d722ecbdea5300c0e9f803ad33f744c7a0532d3a15","token_estimate":400,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"• When “false”, display \"Well does not meet distance requirements\"\n\no When GovernmentAgencyAppraisalType (UID: 1000.0121, FID: 2.008) = \"FHA\" AND\nPublicWaterUtilityAvailableNotConnectedIndicator (UID: 1500.0168, FID: 4.090)\n\n▪ When “true”, display “Public water available not connected”\n▪ When “false”, display “Public water not available”\n\no Other\n▪\n\nIf UtilityType (UID: 1500.0104, FID: 4.093) = “Other”:\n\n• UtilityTypeOtherDescription (UID: 1500.0105, FID: 4.093) the description displays\n\no\n\nIf there are multiple UtilityType = “Other”, display each instance in a new row\n\n• When UtilitySharedIndicator (UID: 1500.0103, FID: 4. 096) = “true”, display “(Shared)” in same cell.\n\n• When UtilitySharedIndicator (UID: 1500.0103, FID: 4. 096) = “false”, do not display\n\n• Private Utility Impact - ValueMarketabilityImpactType (UID: 1500.0183, FID: 4.073, 4.079, 4.085, 4.091, 4.097)\n\no Displays when SiteUtilityOwnershipType = \"NonPublic\"\n\n• Comment – SiteUtilityDescription (UID: 1500.0132, FID: 4.080, 4.074, 4.086, 4.092, 4.098) (Figure 4 - 10)\n\no Displays when (SiteUtilityOwnershipType = \"NonPublic\" AND ValueMarketabilityImpactType = \"Adverse\") OR Exists\no\n\nIf “Public” and “Non-Public” comments are received for the same utility, comments display concatenated within the same cell.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 4 - 10\n\nPage 133\n\nApparent Defects, Damages, Deficiencies (Site)\n\nThe appraiser must report any significant adverse issue(s) pertaining to the site. Appraisers should reference the appropriate government\nagency appraisal guidelines for specific requirements.\n"} diff --git a/chunks/json/4504bb0ca7711148f120c5cad6d33fc359dc721c1c5236129fef11120d50f99d.json b/chunks/json/4504bb0ca7711148f120c5cad6d33fc359dc721c1c5236129fef11120d50f99d.json new file mode 100644 index 0000000000000000000000000000000000000000..8c08ec383e810eead599cd0b82454afe33c48f68 --- /dev/null +++ b/chunks/json/4504bb0ca7711148f120c5cad6d33fc359dc721c1c5236129fef11120d50f99d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":744457,"char_start":742727,"chunk_id":"chk_3ef3d4c2e0ba3b2a","chunk_index":441,"chunk_sha256":"4504bb0ca7711148f120c5cad6d33fc359dc721c1c5236129fef11120d50f99d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"4504bb0ca7711148f120c5cad6d33fc359dc721c1c5236129fef11120d50f99d","token_estimate":433,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Gas']/\n@_PublicIndicator\n\nSite Utility Non\nPublic Indicator\n\nIndicates whether the utility specified by\nSite Utility Type is a non-public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Gas']/\n@_NonPublicIndicator\n\n1\n\n1\n\n25\n\n1\n\n1\n\nBoolean\n\nBoolean\n\nString\n\nBoolean\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the\nbox has not been checked.\n\nIf no electric service is present, enter 'None' in the description field.\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the\nbox has not been checked.\n\nIf no electric service is present, enter 'None' in the description field.\n\nUAD Requirement - Refer to Appendix D Site Section\nThis field must indicate the source of electric service if present and not public. If no\nelectric service is present, enter 'None' in the description field.\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the\nbox has not been checked.\n\nIf no gas service is present, enter 'None' in the description field.\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the\nbox has not been checked.\n\nIf no gas service is present, enter 'None' in the description field.\n\nIf field 1-93 (Site Zoning Compliance Type\n= 'Nonconforming') is indicated, then one\nand only one of fields 1-94 and 1-95 (values\nof Site Zoning Permit Rebuild To Current\nDensity Indicator) should be indicated.\n.\n"} diff --git a/chunks/json/4504ef65ecab03c1f09dc066f520890f597625f8608b8dfa56d14e6e5c784d27.json b/chunks/json/4504ef65ecab03c1f09dc066f520890f597625f8608b8dfa56d14e6e5c784d27.json new file mode 100644 index 0000000000000000000000000000000000000000..b99473c4cb04667dcc30cec92b994e3649180a4c --- /dev/null +++ b/chunks/json/4504ef65ecab03c1f09dc066f520890f597625f8608b8dfa56d14e6e5c784d27.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1182525,"char_start":1181058,"chunk_id":"chk_644fd2632997dee6","chunk_index":702,"chunk_sha256":"4504ef65ecab03c1f09dc066f520890f597625f8608b8dfa56d14e6e5c784d27","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"4504ef65ecab03c1f09dc066f520890f597625f8608b8dfa56d14e6e5c784d27","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"PDF Display Format:\nWhole dollars only.\n\nUAD Instruction - Refer to Appendix D Improvements Section\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\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\n\nThis field is required if the value of field e-6\n(GSE View Type) is ‘Other’.\n\nThe sum of this field 2-65 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 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\nThe sum of this field 2-67 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-65, 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\nCR\n\nCR\n\nT\n\nCR\n\nR\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 196 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\n307\n\n2\n\n69\n\nSALES\nCOMPARISON\nAPPROACH\n\nQuality of Construction\nAdjustment\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/450e3fed3916295fc99339777fa8a641850c2b17a143867f33d77ca2025c97a6.json b/chunks/json/450e3fed3916295fc99339777fa8a641850c2b17a143867f33d77ca2025c97a6.json new file mode 100644 index 0000000000000000000000000000000000000000..5c8781db97f4435552b06dd72b7da382c67d04b4 --- /dev/null +++ b/chunks/json/450e3fed3916295fc99339777fa8a641850c2b17a143867f33d77ca2025c97a6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6812,"char_start":5075,"chunk_id":"chk_891a7e2d7f223f3e","chunk_index":3,"chunk_sha256":"450e3fed3916295fc99339777fa8a641850c2b17a143867f33d77ca2025c97a6","date_utc":"2026-01-27T18:07:55+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d5a90acce2e4362f","text_sha256":"450e3fed3916295fc99339777fa8a641850c2b17a143867f33d77ca2025c97a6","token_estimate":435,"warnings":["source_path=Appendix C-3 Completion Report Layout/_.pdf/Appendix C-3 Completion Report without Report Field IDs v1.2.pdf"]},"text":"5. 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\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\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\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 subject property, or relationship with the present or prospective owners or occupants of the\nsubject 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 subject property, or the demographics\nof the area where the property is located.\n"} diff --git a/chunks/json/455cbaec95febbad09727f41410fe54a82928da54d50b23c45bdecc6b60d83da.json b/chunks/json/455cbaec95febbad09727f41410fe54a82928da54d50b23c45bdecc6b60d83da.json new file mode 100644 index 0000000000000000000000000000000000000000..f4abe8c18089744ef8d608e4c131398b520573e5 --- /dev/null +++ b/chunks/json/455cbaec95febbad09727f41410fe54a82928da54d50b23c45bdecc6b60d83da.json @@ -0,0 +1 @@ +{"chunk":{"char_end":528334,"char_start":526684,"chunk_id":"chk_9fe2861fdcd46457","chunk_index":300,"chunk_sha256":"455cbaec95febbad09727f41410fe54a82928da54d50b23c45bdecc6b60d83da","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"455cbaec95febbad09727f41410fe54a82928da54d50b23c45bdecc6b60d83da","token_estimate":412,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Page 246 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\nChoice Group: A PARTY can\nbe either an individual\n(person) or a company\n(legal entity) but not both\n\nPARTY mapping rules are the same regardless of transaction purpose or loan product.\n\nPARTY NAME –\nIN DIVIDUAL\n\nA party is classified as an individual (a person) using the INDIVIDUAL child container. For\nindividuals, the NAME container conveys each party’s first, middle, last and suffix names.\n\nFullName is not\nused in UCD for\nIndividuals\n\nPARTY NAME –\nL EGAL_ENTITY\n\nA party is classified as a legal entity (a non-individual such as a company or trust) using the\nLEGAL_ENTITY child container of PARTY. For legal entities, LEGAL_ENTITY_DETAIL is used to\nprovide the full, unparsed name of the legal entity.\n\nAppendix E: UCD Implementation Guide\n\nPage 247 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\nPARTY ROLE TYPE\n\nThe value provided for Party Role Type in the ROLE_DETAIL container under\nPARTY/ROLES/ROLE/ROLE_DETAIL specifies the type of party involved in the transaction. In\nUCD, the following Party Role Types are used for the associated UCD Form Fields:\n\nForm\nField ID\n1.4 |\n23.1.5\n\n23.5.5\n\nForm Field Name\n\nParty Role Type Notes\n\nSettlement Agent\n(Name)\n\n“ClosingAgent”\n\nSettlement Agent\nContact\n\n“ClosingAgent”\n\n2.1\n\nBorrower\n\n2.1\n\nBorrower\n\n2.2\n\nSeller\n\n“Borrower”\n“NonTitleSpouse\n”\n“TitleHolder”\n“Other” +\nPartyRoleTypeOt\nherDescription =\n“NonTitleNon\nSpouseOwnershi\npInterest”\n“PropertySeller”\n"} diff --git a/chunks/json/45680666af8b678f406be937ebf9151745545c8271d00f55d32f416d85affb72.json b/chunks/json/45680666af8b678f406be937ebf9151745545c8271d00f55d32f416d85affb72.json new file mode 100644 index 0000000000000000000000000000000000000000..16cc83e229e9c13e8538f5e602a01ee095230564 --- /dev/null +++ b/chunks/json/45680666af8b678f406be937ebf9151745545c8271d00f55d32f416d85affb72.json @@ -0,0 +1 @@ +{"chunk":{"char_end":102089,"char_start":100489,"chunk_id":"chk_ea28221461c1622f","chunk_index":39,"chunk_sha256":"45680666af8b678f406be937ebf9151745545c8271d00f55d32f416d85affb72","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"45680666af8b678f406be937ebf9151745545c8271d00f55d32f416d85affb72","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"b. Legal Description + Postal Code\n\nIf additional personal property has been given as collateral to secure the loan, the lender has the option to\ndisclose it.\n\n1.0 Closing Information\n\n1.5 File #\n\nCI-3456\n\n1.6 Property\n\n456 Somewhere Avenue, Unit #284\n\nAnytown, ST 12345\n\nAppendix E: UCD Implementation Guide\n\nPage 33 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n1.0 Closing Information\n\n1.7 Sale Price $240,000\n\nFigure 8. Property with Complete Street Address\n\n1. COMPLETE STREET ADDR ESS\n\nIf a street address is available for a property, it must be disclosed. A full street address always includes the street\nnumber and name, city name, 2-letter state abbreviation, and the 5-digit ZIP Code or 9-digit ZIP +4 Code. As\nshown in Table 12, AddressUnitDesignatorType and AddressUnitIdentifier must be included when they make up\npart of the full street address. See ADDRESS, ADDRESS – SUBJECT PROPERTY, and REUSABLE CONTAINERS in\nSection V.\n\nTable 12. Property with Full Street Address\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…/SUBJECT_PROPER\nTY/ADDRESS\n\nAddressLineText\n\n456 Somewhere\nAvenue\n\nAddressUnitDesignat\norType\n\nUnit\n\nAddressUnitIdentifie\nr\n\n284\n\nCityName\n\nPostalCode\n\nStateCode\n\nAnytown\n\n12345\n\nST\n\n2. LEGAL DESCRI PTI ON AN D POSTAL CODE\n\nIf the address for the subject property has not yet been established, the legal description of the property and\nthe 5-digit ZIP Code or 9-digit ZIP +4 Code must be provided:\n\n1.0 Closing Information\n\n1.5 File #\n\nCI-3456\n\n1.6 Property Lot 32, Block 123, Section 4\n\n12345\n"} diff --git a/chunks/json/456d72879b2edaaaf4d9ca968b5f7b014fbe64124a50eca133d3100d3caabf21.json b/chunks/json/456d72879b2edaaaf4d9ca968b5f7b014fbe64124a50eca133d3100d3caabf21.json new file mode 100644 index 0000000000000000000000000000000000000000..dec180c9158561b87ae3739e32a07a8d3478f660 --- /dev/null +++ b/chunks/json/456d72879b2edaaaf4d9ca968b5f7b014fbe64124a50eca133d3100d3caabf21.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12746,"char_start":10556,"chunk_id":"chk_cb4124058c6c0aed","chunk_index":6,"chunk_sha256":"456d72879b2edaaaf4d9ca968b5f7b014fbe64124a50eca133d3100d3caabf21","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4d5b089ee0719084","text_sha256":"456d72879b2edaaaf4d9ca968b5f7b014fbe64124a50eca133d3100d3caabf21","token_estimate":548,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHFA_Mortgage_Loan_and_Natural_Disaster_Dashboard__y11qak.md"]},"text":"The dashboard uses loan counts and acquisition UPB aggregated to the 2020 census-tract level. This census-tract level data from the PUDB has been merged with the NRI data. Then, the high-needs county designations from FHFA’s Duty to Serve program are merged into these data. These data include estimated damages from disasters for buildings, population, and agriculture. Thus, locations with more buildings, population, and agriculture will have relatively higher damages. These data do not include insurance coverage and do not necessarily represent potential credit losses for FHFA’s regulated entities.\n\n## **Insights on Hurricanes**\n\nAtlantic Hurricane season starts June 1 and ends November 30. However, most hurricane activity occurs from mid-August to mid-October.[[3]](#ftn3) For 2024, the National Oceanic and Atmospheric Administration (NOAA) predicted an above-normal season with 85 percent probability. NOAA notes that this is “due to a confluence of factors, including near-record warm ocean temperatures in the Atlantic Ocean, [and] development of La Niña conditions in the Pacific” among other factors.[[4]](#ftn4) This blog post evaluates potential risks to loans acquired by the Enterprises and the FHLBanks in 2022 and their hurricane risk exposure. Note that in this dashboard, we only evaluate acquisitions in 2022 rather than the total portfolio of the Enterprises and the FHLBanks. Some loans acquired in 2022 may no longer be active in the Enterprises and the FHLBanks’ books of business in 2024.\n\n## **NRI on Hurricane Risk**\n\nThe NRI uses NOAA’s HURDAT2 Best Track Data Archive.[[5]](#ftn5) This dataset includes information on Atlantic and Pacific tropical cyclones, such as geospatial data on the path of previous storms, windspeed, central pressure, and hurricane size. The NRI identifies hurricane exposure based on historic hurricane paths. Then, to calculate historic loss ratios, the NRI incorporates data from SHELDUS at the county level for buildings expected to be impacted by hurricanes.[[6]](#ftn6) Next, the NRI calculates expected annual loses by calculating exposure probability multiplied by frequency multiplied by historic loss ratios.[[7]](#ftn7)\n"} diff --git a/chunks/json/4585e0cde2b21880da542404d1e6b6a59aba989e8bb49515e21f18bb9f3f186a.json b/chunks/json/4585e0cde2b21880da542404d1e6b6a59aba989e8bb49515e21f18bb9f3f186a.json new file mode 100644 index 0000000000000000000000000000000000000000..adc7e6654d9982d5c5baea4169d1a7fcb9ddfb70 --- /dev/null +++ b/chunks/json/4585e0cde2b21880da542404d1e6b6a59aba989e8bb49515e21f18bb9f3f186a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":637007,"char_start":635388,"chunk_id":"chk_a345aa07af9c6e9b","chunk_index":366,"chunk_sha256":"4585e0cde2b21880da542404d1e6b6a59aba989e8bb49515e21f18bb9f3f186a","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"4585e0cde2b21880da542404d1e6b6a59aba989e8bb49515e21f18bb9f3f186a","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Page 1 of 3\nPage 1 of 3\n\nThis is where the Dwelling Front photo would display.\n\nLegal Description\n\nUnreal Farm S.1 PCL.300201121002432 F-594-7 BLA 3573702301420 Use agreement 71\n\nOriginal Appraisal\n\nEffective Date of Appraisal\nOpinion of Market Value\nMarket Value Condition\n\n09/08/2019\n$770,000\nSubject to Completion Per Plans\n\nAppraiser\n\nReference ID\nOriginal Lender\n\nAgatha Appraiser\nAA12345\nEmpty Bank\n\nFinal Value Condition Statement This appraisal is made subject to completion per plans and specifications on the basis of a hypothetical\ncondition that the improvements have been completed. This might have affected the assignment results.\n\nCompletion Status\n\nIs construction complete?\nWas construction completed in a manner consistent with the original plans and\nspecifications?\n\nYes No\n \n \n\nFeature\nExterior Barn Door\n\nLocation\nExterior - north end and east side of\nthe barn.\n\nComparison to Original\nPlans/Specs\nSimilar\n\nComment\nExterior sliding barn door is\ninconsistent with location and size\n(dimensions). Original plans called\nfor two exterior sliding doors, one\nat 12' x 8' and one 20' x 8' (see plan\nattached). The 12' x 8' door was\ncompleted per plans. The 2nd door,\nlocated on the side of the barn,\ndimensions are 20' x 12' versus\n20' x 8'.\n\nCompletion Report Commentary\n\nChange in dimension of the door has no measurable impact on the utility of the barn or the subject property.\n\nCompletion Report Exhibits\n\nCompleted Construction - Constructed Barn\n\nIncomplete or Inconsistent Item - Exterior Barn Door\n\nThis is where the Barn photo would display.\n\nThis is where the Barn Door photo would display.\n"} diff --git a/chunks/json/4593dfc5002cdda33a43be84b1ed3e7a953fe13f917a36c66986213bbcef9483.json b/chunks/json/4593dfc5002cdda33a43be84b1ed3e7a953fe13f917a36c66986213bbcef9483.json new file mode 100644 index 0000000000000000000000000000000000000000..138706d9f958d81453c4575cc6e41f3bafccd059 --- /dev/null +++ b/chunks/json/4593dfc5002cdda33a43be84b1ed3e7a953fe13f917a36c66986213bbcef9483.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10323,"char_start":8663,"chunk_id":"chk_de49b7540410b762","chunk_index":5,"chunk_sha256":"4593dfc5002cdda33a43be84b1ed3e7a953fe13f917a36c66986213bbcef9483","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_874d0463a2fa2d83","text_sha256":"4593dfc5002cdda33a43be84b1ed3e7a953fe13f917a36c66986213bbcef9483","token_estimate":415,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Guarantee_Fees_History___FHFA_hq9o1.md"]},"text":"Fannie Mae and Freddie Mac guarantee the payment of principal and interest on their MBS and charges a fee for providing that guarantee. The guarantee fee (g-fee), covers projected credit losses from borrower defaults over the life of the loans, administrative costs, and a return on capital.\n\n## Lender Fees\n\nLender guarantee fee payments generally take the form of ongoing monthly payments and frequently also include an upfront payment at the time of Enterprise loan acquisition. A lender typically passes through to the borrower the cost of an upfront fee in the form of a slightly higher interest rate on the mortgage, since borrowers tend to choose not to pay points. Ongoing fees are also included in the interest rate charged to the borrower.\n\n## No Difference to Borrowers\n\nTherefore, as a practical matter, whether Fannie Mae or Freddie Mac charge guarantee fees to lenders as ongoing fees or upfront fees typically makes no difference to borrowers.\n\n## [Guarantee Fees Studies](/reports/single-family-guarantee-fees)\n\nSection 1601 of the Housing and Economic Recovery Act of 2008 (HERA) requires us to conduct an ongoing study of the guarantee fees charged by Fannie Mae and Freddie Mac and to submit annual reports to Congress, based on aggregated data collected from the Enterprises, regarding the amount of such fees and the criteria used by the Enterprises to determine them.\n\n## Guarantee Fee Increases\n\nIn December 2011, Congress directed FHFA in the Temporary Payroll Tax Cut Continuation Act of 2011 to increase the guarantee fees Fannie Mae and Freddie Mac charge lenders on single-family mortgages by at least an average of 10 basis points.\n"} diff --git a/chunks/json/459727c4d0d37b87efbb47cdfae40088f2871116efc039788616ac194d1f900e.json b/chunks/json/459727c4d0d37b87efbb47cdfae40088f2871116efc039788616ac194d1f900e.json new file mode 100644 index 0000000000000000000000000000000000000000..1a052c064a3830d00cce16c6248bdcd3c19d5a33 --- /dev/null +++ b/chunks/json/459727c4d0d37b87efbb47cdfae40088f2871116efc039788616ac194d1f900e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":173418,"char_start":171737,"chunk_id":"chk_8a754ef38511e8f6","chunk_index":101,"chunk_sha256":"459727c4d0d37b87efbb47cdfae40088f2871116efc039788616ac194d1f900e","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"459727c4d0d37b87efbb47cdfae40088f2871116efc039788616ac194d1f900e","token_estimate":420,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"If 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\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 47 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\n223\n\n224\n\n1\n\n1\n\n217\n\nIMPROVEMENTS\n\nSquare Feet of Gross\nLiving Area Above\nGrade\n\nGross Living Area\nSquare Feet Count\n\nThe total area of all inhabitable\nrooms.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/@GrossLivingAreaSquareFeetCount\n\n5\n\nNumeric\n\nUAD Requirement - Refer to Appendix D Improvements 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\n218\n\nIMPROVEMENTS\n\nAdditional features\n(special energy-efficient\nitems, etc.)\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='AdditionalFeatu\nres']/@_Comment\n"} diff --git a/chunks/json/45980e0bc5e89f82cbe3e2eb58d0b6d5cd102d0aa56d87413268f5343b7fbb36.json b/chunks/json/45980e0bc5e89f82cbe3e2eb58d0b6d5cd102d0aa56d87413268f5343b7fbb36.json new file mode 100644 index 0000000000000000000000000000000000000000..15c4797f631baa7bba2b1a97e6dea2a9c8746175 --- /dev/null +++ b/chunks/json/45980e0bc5e89f82cbe3e2eb58d0b6d5cd102d0aa56d87413268f5343b7fbb36.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1741,"char_start":0,"chunk_id":"chk_0e8af54eb1d0eade","chunk_index":0,"chunk_sha256":"45980e0bc5e89f82cbe3e2eb58d0b6d5cd102d0aa56d87413268f5343b7fbb36","date_utc":"2026-01-27T17:54:33+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_282ee0dbe2fcea3b","text_sha256":"45980e0bc5e89f82cbe3e2eb58d0b6d5cd102d0aa56d87413268f5343b7fbb36","token_estimate":531,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Single_Family_Guarantee_Fees_Report___U_S__FEDERAL_jbben.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/single-family-guarantee-fees\"\ndate_accessed: \"2026-01-27T17:54:20.730Z\"\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. 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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/45abbfb69fe98cad3c320c2e9c6018b94acee6fbb727c4be0a5a73aceef8013a.json b/chunks/json/45abbfb69fe98cad3c320c2e9c6018b94acee6fbb727c4be0a5a73aceef8013a.json new file mode 100644 index 0000000000000000000000000000000000000000..4a37147371a923d40e122bba63aab5726f1c8137 --- /dev/null +++ b/chunks/json/45abbfb69fe98cad3c320c2e9c6018b94acee6fbb727c4be0a5a73aceef8013a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":25348,"char_start":23171,"chunk_id":"chk_4f84797d915edc00","chunk_index":13,"chunk_sha256":"45abbfb69fe98cad3c320c2e9c6018b94acee6fbb727c4be0a5a73aceef8013a","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e6198def01e57e81","text_sha256":"45abbfb69fe98cad3c320c2e9c6018b94acee6fbb727c4be0a5a73aceef8013a","token_estimate":636,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Mortgage_Loan_and_Natural_Disaster_Dashboard_Instr_oi7g4.md"]},"text":"{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/34291\",\"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/45b799d5bd5e607bcb3c9c6e21d7d96c58fb069eb8eb74f922a6a4caa7f79aa3.json b/chunks/json/45b799d5bd5e607bcb3c9c6e21d7d96c58fb069eb8eb74f922a6a4caa7f79aa3.json new file mode 100644 index 0000000000000000000000000000000000000000..ecdad342433b9bd831df3c278fb62abd151c7bd2 --- /dev/null +++ b/chunks/json/45b799d5bd5e607bcb3c9c6e21d7d96c58fb069eb8eb74f922a6a4caa7f79aa3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":891286,"char_start":889662,"chunk_id":"chk_3b92be3e8688fcbd","chunk_index":529,"chunk_sha256":"45b799d5bd5e607bcb3c9c6e21d7d96c58fb069eb8eb74f922a6a4caa7f79aa3","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"45b799d5bd5e607bcb3c9c6e21d7d96c58fb069eb8eb74f922a6a4caa7f79aa3","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='0']/COMPARISON_D\nETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex\ntensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEBelowGradeBathroomRoomCount\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/@GSEBelowGradeOtherRoomCount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='FunctionalUtility']/@_Description\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='HeatingCooling']/@_Description\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='EnergyEfficient']/@_Description\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='CarStorage']/@_Description\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='PorchDeck']/@_Description\n\nSale Price\nAdjustment\nDescription\n\nSale Price\nAdjustment\nDescription\n\nSale Price\nAdjustment\nDescription\n\nSale Price\nAdjustment\nDescription\n"} diff --git a/chunks/json/45c2d23c07da3d697f255c5687ae8966cb86fa60bfd8098f6c3ee66d5ed76d4f.json b/chunks/json/45c2d23c07da3d697f255c5687ae8966cb86fa60bfd8098f6c3ee66d5ed76d4f.json new file mode 100644 index 0000000000000000000000000000000000000000..afc4f25ecbf87448d62197668e128e2e242d5bdd --- /dev/null +++ b/chunks/json/45c2d23c07da3d697f255c5687ae8966cb86fa60bfd8098f6c3ee66d5ed76d4f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":140856,"char_start":139607,"chunk_id":"chk_9e82ac7cf5444c6b","chunk_index":63,"chunk_sha256":"45c2d23c07da3d697f255c5687ae8966cb86fa60bfd8098f6c3ee66d5ed76d4f","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"45c2d23c07da3d697f255c5687ae8966cb86fa60bfd8098f6c3ee66d5ed76d4f","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Page 58 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n3.0 Loan Information\n\n VA \n\n3.5 Loan ID# 123456789\n\n3.6 MIC #\n\n000654321\n\nFigure 29. MIC # - Government Loans\n\nTable 42. MIC # - Government Loans\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\n3.6\n\nMIC #\n\n…/LOAN_DETAIL\n\nMIRequiredIndicat\nor\n\ntrue\n\n…/LOAN_IDENTIFIE\nR\n\nLoanIdentifier\n\n000654321\n\nLoanIdentifierType AgencyCase\n\nNot shown –\nindicates need for\nadditional data\npoints\n\nThese data points\nmust be used in\ncombination\n\n3. FOR MORE I NFORMATI ON\n\n3.0 Reg §1026.38(a)(5) pp. 80121, 80350-51, 80003.\n\n3.1 Reg §1026.38(a)(5)(i) pp. 80121, 80351, 80003; Cross Reference §1026.37(a)(8) pp. 80121, 80331, 80340,\n\n79912.\n\n3.2 Reg §1026.38(a)(5)(ii) pp. 80121, 80003, 80061; Cross Reference §1026.37(a)(9) pp. 80113, 80332, 79913-\n\n79915, 80003.\n\n3.3 Reg §1026.38(a)(5)(iii) pp. 80121, 80003; Cross Reference to §1026.37(a)(10) pp. 80332, 79915, 80003.\n\n3.4 Ref §1026.38(a)(5)(iv), pp. 80121, 80003; Cross Reference to §1026.37(a)(11)(iv), pp. 80114, 80333, 79918.\n\n3.5 Ref §1026.38(a)(5)(iv), pp. 80121, 80351, 80003; Cross Reference to §1026.37(a)(12), pp. 80121, 80333,\n\n79918-19, 80003.\n\n3.6 Ref §1026.38(a)(5)(vi), pp. 80121, 80003-80004.\n"} diff --git a/chunks/json/45c59ec9c6e3d23c3645e40fd243170d2a20e63ea9fd1a52dc3e1635c64f6feb.json b/chunks/json/45c59ec9c6e3d23c3645e40fd243170d2a20e63ea9fd1a52dc3e1635c64f6feb.json new file mode 100644 index 0000000000000000000000000000000000000000..26097223eddf6666fda01f0588d9da8085552244 --- /dev/null +++ b/chunks/json/45c59ec9c6e3d23c3645e40fd243170d2a20e63ea9fd1a52dc3e1635c64f6feb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13900,"char_start":12360,"chunk_id":"chk_00c7efa4fd3df326","chunk_index":7,"chunk_sha256":"45c59ec9c6e3d23c3645e40fd243170d2a20e63ea9fd1a52dc3e1635c64f6feb","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8d4a57dd06546df7","text_sha256":"45c59ec9c6e3d23c3645e40fd243170d2a20e63ea9fd1a52dc3e1635c64f6feb","token_estimate":406,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/National_Mortgage_Database__NMDB___Aggregate_Stati_fnqnit.md"]},"text":"**Residential Mortgage Performance Statistics**\n\nRes​idential Mort​gage Performance Statistics Format Release Date **Quarterly ​Data (2002 Q1 - 2025 Q3)** All Ge​ographic Areas [[CSV]](/document/nmdb-mortgage-performance-statistics-all-quarterly.zip) 12/30/2025 Nati​onal, Census Regions, and Census Divisions [[CSV]](/document/nmdb-mortgage-performance-statistics-national-census-areas-quarterly.zip) 12/30/2025 States [[CSV]](/document/nmdb-mortgage-performance-statistics-states-quarterly.zip) 12/30/2025 100 Metro Areas [[CSV]](/document/nmdb-mortgage-performance-statistics-metro-quarterly.zip) 12/30/2025 **Alternate Wide Format Files** Alternate Wide Format Files [[CSV]](/document/nmdb-mortgage-performance-statistics-wide-column-format.zip) 12/30/2025\n\n**Contact**\nIf you have any questions or comments about the data or documents, please email [NMDBdata@fhfa.gov](mailto:NMDBdata@fhfa.gov).\n\n*Page last updated: December 30, 2025*\n\n- **​Press Release**\n\n[FHFA Releases NMDB Residential Mortgage Dashboard](/news/news-release/fhfa-releases-nmdbr-residential-mortgage-dashboard) (9/27/2024)\n\n[FHFA Releases Data Visualization Dashboard for NMDB Outstanding Residential Mortgage Statistics](/news/news-release/fhfa-releases-data-visualization-dashboard-for-nmdb-outstanding-residential-mortgage-statistics) (7/2/2024)\n\n[F​HFA Announces New and Expanded Statistical Products from the ​National Mortgage Database](/news/news-release/fhfa-announces-new-and-expanded-statistical-products-from-the-national-mortgage-database) (6/30/2021)\n"} diff --git a/chunks/json/45e1a3dc19eec5accbb2c7e7341e4463db32a38d2d5671f249c0c90606bb26e7.json b/chunks/json/45e1a3dc19eec5accbb2c7e7341e4463db32a38d2d5671f249c0c90606bb26e7.json new file mode 100644 index 0000000000000000000000000000000000000000..3184f0befdce4b37562a8ce709d72fffce1bbd66 --- /dev/null +++ b/chunks/json/45e1a3dc19eec5accbb2c7e7341e4463db32a38d2d5671f249c0c90606bb26e7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1190746,"char_start":1189108,"chunk_id":"chk_e191a9a1bc67b2bd","chunk_index":707,"chunk_sha256":"45e1a3dc19eec5accbb2c7e7341e4463db32a38d2d5671f249c0c90606bb26e7","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"45e1a3dc19eec5accbb2c7e7341e4463db32a38d2d5671f249c0c90606bb26e7","token_estimate":410,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"The sum of this field 2-78 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, 2-80, 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\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nCR\n\nR\n\nR\n\nCR\n\nR\n\nCR\n\nCR\n\nR\n\nR\n\nR\n\nCR\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 197 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\n318\n\n2\n\n79\n\nSALES\nCOMPARISON\nAPPROACH\n\nAbove Grade Room Count\nGross Living Area Sq.Ft.\n\nSale Price\nAdjustment\nDescription\n\n319\n\n2\n\n80\n\nSALES\nCOMPARISON\nAPPROACH\n\nGross Living Area Sq.Ft.\nAdjustment\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\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL\nE_PRICE_ADJUSTMENT[@_Type=‘GrossLivingArea’]/@_Description\n\n6\n\nString\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL\nE_PRICE_ADJUSTMENT[@_Type=‘GrossLivingArea’]/@_Amount\n\n10\n\nMoney\n\n320\n\n2\n\ne-18\n\nSALES\nCOMPARISON\nAPPROACH\n\nBasement & Finished\n\n(Line 1)\n\nGSE Below Grade\nTotal Square Feet\nNumber\n"} diff --git a/chunks/json/45e4f58b07279cccb69d84ce5bf6f42ee8bd1a3558a4d0b44e3e5da8cbc4b5d6.json b/chunks/json/45e4f58b07279cccb69d84ce5bf6f42ee8bd1a3558a4d0b44e3e5da8cbc4b5d6.json new file mode 100644 index 0000000000000000000000000000000000000000..78aa3e709fd6ce2c83252383c373e974b3e0b821 --- /dev/null +++ b/chunks/json/45e4f58b07279cccb69d84ce5bf6f42ee8bd1a3558a4d0b44e3e5da8cbc4b5d6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":495516,"char_start":493812,"chunk_id":"chk_f6d630561c62bb72","chunk_index":291,"chunk_sha256":"45e4f58b07279cccb69d84ce5bf6f42ee8bd1a3558a4d0b44e3e5da8cbc4b5d6","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"45e4f58b07279cccb69d84ce5bf6f42ee8bd1a3558a4d0b44e3e5da8cbc4b5d6","token_estimate":426,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/@\n_CompetitiveProjectComparisonDescription\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\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\nProject Analysis\nSpecial\nCharacteristics\nDescription\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\nUnit Charge\nAmount\nUnit Charge\nAmount\n\nAnnual assessment charge per\nyear per square feet of gross\nliving area = $\n\nUnit Charge Per\nSquare Foot\nAmount\n\nUNIT\nDESCRIPTION\n\nUtilities included in the unit\nmonthly assessment\nNone\n\nUNIT\nDESCRIPTION\n\nUtilities included in the unit\nmonthly assessment\nHeat\n\nUnit Charge No\nUtilities Included\nIn Assessment\nIndicator\n\nUnit Charge Utility\nIncluded In\nAssessment\nIndicator\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"} diff --git a/chunks/json/45eedcc191577d9c1790b17a2211b48cdba4032599509621a4001e2a26c10790.json b/chunks/json/45eedcc191577d9c1790b17a2211b48cdba4032599509621a4001e2a26c10790.json new file mode 100644 index 0000000000000000000000000000000000000000..f1de27333c0c6f2317cdb01c00830448122468fe --- /dev/null +++ b/chunks/json/45eedcc191577d9c1790b17a2211b48cdba4032599509621a4001e2a26c10790.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14615,"char_start":13355,"chunk_id":"chk_0e43d0cc684dcd09","chunk_index":8,"chunk_sha256":"45eedcc191577d9c1790b17a2211b48cdba4032599509621a4001e2a26c10790","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f095660b2a4ef4ba","text_sha256":"45eedcc191577d9c1790b17a2211b48cdba4032599509621a4001e2a26c10790","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/News_Releases___FHFA_ghc8ke.md"]},"text":"Washington, D.C. – U.S. Federal Housing announced today that the 2026 multifamily loan purchase caps for Fannie Mae and Freddie Mac (the Enterprises) will be $88 billion for each Enterprise, for a combined total of $176 billion to support the multifamily market. To ensure a strong focus on...\n - News Release\n\nOctober 28, 2025\n\n## [FHFA House Price Index® Up 0.4 Percent in August; Up 2.3 Percent from Last Year](/news/news-release/fhfa-house-price-index-up-0.4-percent-in-august-up-2.3-percent-from-last-year)\n\nWashington, D.C. – U.S. house prices rose 0.4 percent in August, according to the U.S. Federal Housing (FHFA) seasonally adjusted monthly House Price Index (FHFA HPI®). House prices rose 2.3 percent from August 2024 to August 2025. The previously reported 0.1 percent price decline in July was...\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=118)\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/45f9d9265e8b89bd2788509ffca36209a75ae9b55ba8ceb5890a09bb13d178a8.json b/chunks/json/45f9d9265e8b89bd2788509ffca36209a75ae9b55ba8ceb5890a09bb13d178a8.json new file mode 100644 index 0000000000000000000000000000000000000000..488e0185e6d2fbf6ac29cddd8f61ac6efd9141ee --- /dev/null +++ b/chunks/json/45f9d9265e8b89bd2788509ffca36209a75ae9b55ba8ceb5890a09bb13d178a8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":477272,"char_start":475669,"chunk_id":"chk_d7374f9e9b761c57","chunk_index":280,"chunk_sha256":"45f9d9265e8b89bd2788509ffca36209a75ae9b55ba8ceb5890a09bb13d178a8","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"45f9d9265e8b89bd2788509ffca36209a75ae9b55ba8ceb5890a09bb13d178a8","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"One and only one of fields 1-185, 1-\n186 (values of Project Common\nElements Completed Indicator) should\nbe indicated.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\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 95 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\n197\n\n1\n\n186\n\nPROJECT\nINFORMATION\n\n198\n\n1\n\n187\n\nPROJECT\nINFORMATION\n\nAre the units, common\nelements, and recreation\nfacilities complete (including\nany planned rehabilitation for a\ncondominium conversion)?\nNo\n\nAre the units, common\nelements, and recreation\nfacilities complete (including\nany planned rehabilitation for a\ncondominium conversion)?\nIf No, describe\n\nProject Common\nElements\nCompleted\nIndicator\n\nIndicates that the common elements and\nrecreation facilities in the project are\ncomplete.\n\nProject Common\nElements Status\nDescription\n\nA free-form text field used to comment on\nthe status of the project common elements\nand/or recreation facilities.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommonElementsCom\npletedIndicator=‘N’]\n\n1\n\nBoolean\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@_CommonElementsStatu\nsDescription\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n"} diff --git a/chunks/json/460b8ec7d2f70e613f988cdd77dbd071afb538160bf0978472e622dbd2b95099.json b/chunks/json/460b8ec7d2f70e613f988cdd77dbd071afb538160bf0978472e622dbd2b95099.json new file mode 100644 index 0000000000000000000000000000000000000000..b245d9a621727bae647f1a531c04ae6ca9241bd9 --- /dev/null +++ b/chunks/json/460b8ec7d2f70e613f988cdd77dbd071afb538160bf0978472e622dbd2b95099.json @@ -0,0 +1 @@ +{"chunk":{"char_end":27801,"char_start":25935,"chunk_id":"chk_10b3e232b366db41","chunk_index":15,"chunk_sha256":"460b8ec7d2f70e613f988cdd77dbd071afb538160bf0978472e622dbd2b95099","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"460b8ec7d2f70e613f988cdd77dbd071afb538160bf0978472e622dbd2b95099","token_estimate":467,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"Allowable\nAnswers / Format\n\nChoose allowable\nanswers from\ntables (Lender,\nClient, and AMC;\nAppraiser and\nSupervisor; and\nSignificant Real\nProperty Appraisal\nAssistance)\n\nDefinition / Additional Guidance\n\nRole: The role that the person or company performed in the assignment.\n•\n•\n•\n•\n•\n•\n•\n•\n•\n\nAppraisal Management Company\nAppraiser\nAttorney\nClient\nInvestor\nLender\nSignificant Real Property Appraisal Assistance\nSupervisory Appraiser\nOther (Describe)\n\nSelect all applicable roles but at least one Role for each contact that is in the\nRestricted Appraisal Update Report.\n\nLender, Client, and AMC\n\nThis portion of the Contact Information subsection shows details about the lender, client, and / or AMC.\nContacts display here when Role is Lender, Client, or AMC.\n\nChoose one contact as the Client in addition to any other role with which the client has been associated. Note\nthat Client, Lender, and AMC are all identified as Roles in this section.\n\nExample: In the most common scenario in which the lender is the client, select both of those Roles when\ninputting the lender contact information to provide context that the lender is also the client.\n\nAppendix F-2: Appraisal Update Report Reference Guide\n\nPage 15 of 28\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Assignment Information\n\nAllowable Answer\n\nAppraisal Management\nCompany (AMC)\n\nAttorney\n\nClient\n\nInvestor\n\nLender\n\nOther\n\nAssignment Information: Role - Lender, Client, and AMC (Choose one or more for each Contact)\n\nDefinition / Additional Guidance\n\nNotes:\n•\n•\n•\n\nIf there is an AMC for the assignment, it must be identified in addition to the lender.\nDo not select this answer if there is no AMC for the assignment, i.e., do not populate with “No AMC.”\nIn some jurisdictions, the appraiser is required to identify the AMC as the client. In those cases, choose both AMC\nand Client as the Role for the AMC.\n"} diff --git a/chunks/json/46188fe483a26b0b99ae172c35560aa02a7a449e10a51b29ad172033e07fa750.json b/chunks/json/46188fe483a26b0b99ae172c35560aa02a7a449e10a51b29ad172033e07fa750.json new file mode 100644 index 0000000000000000000000000000000000000000..ea8c1ff6a938eea8f1c9d8ef1f03a7431fddde91 --- /dev/null +++ b/chunks/json/46188fe483a26b0b99ae172c35560aa02a7a449e10a51b29ad172033e07fa750.json @@ -0,0 +1 @@ +{"chunk":{"char_end":129211,"char_start":127001,"chunk_id":"chk_5cacb5784fd60026","chunk_index":72,"chunk_sha256":"46188fe483a26b0b99ae172c35560aa02a7a449e10a51b29ad172033e07fa750","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"46188fe483a26b0b99ae172c35560aa02a7a449e10a51b29ad172033e07fa750","token_estimate":553,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Additionally, for loans that require an appraisal, lenders must ensure the appraised value as indicated on the appraisal submitted\nto UCDP matches the appraised value as reported at sale of the loan. An exception is allowed for this requirement when the\nappraisal used to underwrite the loan is a desk or field review of an existing appraisal because those types of reports cannot be\nsubmitted through the UCDP. In those instances, the appraised value reported at sale of the loan will reflect the value as stated in\nthe desk or field review. However, the original appraisal that was the subject of review must have been submitted to UCDP.\nLenders must maintain the applicable appraisal report and attachments in the loan file as part of the underwriting documents in\naccordance with Selling Guide A2-4.1-02, Ownership and Retention of Loan Files and Records. Lenders may obtain detailed\ninformation on the UCDP page on Fannie Mae’s website.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 54 of 166\n\nUAD 3.6 Policy\n\nSB4-1.2-01, Appraisal Reports and Exhibits (12/10/2025)\n\nIntroduction\n\nThis topic contains information on appraisal reports and exhibits, including:\n\nScope of Work\n\n•\n• Property Valuation Methods and Property Types\n•\n• Appraiser Certifications and Limiting Conditions\n\nExhibits for the Uniform Residential Appraisal Report\n\nScope of Work\n\nAppraisers must use the most recent version of the Uniform Residential Appraisal Report (URAR) and include any other\ninformation, either as an image or text in the related section of the report, needed to adequately support the opinion of market\nvalue. Although the scope of work for the appraisal or the extent of the appraisal process is guided by Fannie Mae’s appraisal\nreports, the report does not limit or control the appraisal process. The appraiser’s analysis should go beyond any limitations of\nthe URAR, with additional comments and exhibits being used if they are needed to adequately describe the subject property,\ndocument the analysis and valuation process, or support the appraiser’s conclusions. The extent of the appraiser’s data\ncollection, analysis, and reporting must be determined by the complexity of the appraisal assignment.\n"} diff --git a/chunks/json/461efcfd5f21a338b16a079396977d85fd360fd15e3c9de54965ff105f480742.json b/chunks/json/461efcfd5f21a338b16a079396977d85fd360fd15e3c9de54965ff105f480742.json new file mode 100644 index 0000000000000000000000000000000000000000..da605e9807c9e5375ec85981c238c4267114413c --- /dev/null +++ b/chunks/json/461efcfd5f21a338b16a079396977d85fd360fd15e3c9de54965ff105f480742.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20712,"char_start":18555,"chunk_id":"chk_7126d56c16ab8327","chunk_index":10,"chunk_sha256":"461efcfd5f21a338b16a079396977d85fd360fd15e3c9de54965ff105f480742","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"461efcfd5f21a338b16a079396977d85fd360fd15e3c9de54965ff105f480742","token_estimate":539,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-implementation-guide.pdf"]},"text":"This column contains a description of whether the data point is new\nto the Fannie Mae ULDD specification, or if it is an existing data\npoint that requires an update and which column or columns contain\nthe change.\n\n© 2018 Fannie Mae. Trademarks of Fannie Mae.\n\nJune 2018 | 8 of 22\n\nColumn Name\n\nColumn Name Description\n\nData Point New / Net\nNew / Revision\n\nThis column lists data points by the type of implementation work\nrequired (e.g. implement a new data point or revise an existing data\npoint). New indicates a data point that is new for Fannie Mae only.\nNet new indicates a new data point for both GSEs.\n\nData Point Change Type This column lists data points by more specific type of\nimplementation work required related to whether it is labeled as\n'new', ‘net new’, or as a 'revision' in the 'Data Point New / Revision'\ncolumn.\n\nXPath\n\nParent Container\n\nThis column lists the XPath used to navigate through the XML\ndocument to the corresponding MISMO data point.\nThis column lists the parent container name of the corresponding\nMISMO data point.\n\nMISMO Data Point Name This column lists the MISMO term name for a corresponding data\n\nMISMO Definition\n\nLoan Role Type\n\nLoan State Type\n\nParty Role Type\n\nelement or attribute.\n\nThis column lists the MISMO definition for the corresponding data\npoint.\nThis column only applies to MISMO data points in the LOAN\ncontainer and lists the following Loan Role Type values:\n• SubjectLoan\n• RelatedLoan\nThe cell is blank when the data point is not in the LOAN container.\n\nThis column only applies to MISMO data points in the LOAN\ncontainer and lists one or more of the following Loan State Type\nvalues:\n• AtClosing\n• AtModification\n• Current\nThe cell is blank when the data point is not in the LOAN container.\nThis column only applies to MISMO data points in the PARTY\ncontainer and lists the following Party Role Type values:\n• Appraiser\n• AppraiserSupervisor\n• Borrower\n• DocumentCustodian\n• HomeownersAssociation\n• LoanDeliveryFilePreparer\n• LoanOriginationCompany\n• LoanOriginator\n• LoanSeller\n• NotePayTo\n• Payee\n• Servicer\n• WarehouseLender\nThe cell is blank when the data point is not in the PARTY container.\n"} diff --git a/chunks/json/4623b177e04358d3be9c3757684d44b29d56a6ca71b1a5fd7de80a0f08fdaa43.json b/chunks/json/4623b177e04358d3be9c3757684d44b29d56a6ca71b1a5fd7de80a0f08fdaa43.json new file mode 100644 index 0000000000000000000000000000000000000000..07b43a0847bb94ab482783e0e0bad6597ba88550 --- /dev/null +++ b/chunks/json/4623b177e04358d3be9c3757684d44b29d56a6ca71b1a5fd7de80a0f08fdaa43.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1724,"char_start":0,"chunk_id":"chk_47df305a73bba261","chunk_index":0,"chunk_sha256":"4623b177e04358d3be9c3757684d44b29d56a6ca71b1a5fd7de80a0f08fdaa43","date_utc":"2026-01-27T17:54:22+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_794d3e5c8b11d89a","text_sha256":"4623b177e04358d3be9c3757684d44b29d56a6ca71b1a5fd7de80a0f08fdaa43","token_estimate":527,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHFA_Policies___FHFA_7h7f2.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/about/fhfa-policies\"\ndate_accessed: \"2026-01-27T17:54:20.254Z\"\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/4623b20009a9864b92df153ddb1b2d9a7f035a47e6f704367a8c48406647d0ac.json b/chunks/json/4623b20009a9864b92df153ddb1b2d9a7f035a47e6f704367a8c48406647d0ac.json new file mode 100644 index 0000000000000000000000000000000000000000..b77c76073008f50c28045a8b137b41340e5eb034 --- /dev/null +++ b/chunks/json/4623b20009a9864b92df153ddb1b2d9a7f035a47e6f704367a8c48406647d0ac.json @@ -0,0 +1 @@ +{"chunk":{"char_end":511568,"char_start":509934,"chunk_id":"chk_7317515cdb13ec16","chunk_index":303,"chunk_sha256":"4623b20009a9864b92df153ddb1b2d9a7f035a47e6f704367a8c48406647d0ac","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"4623b20009a9864b92df153ddb1b2d9a7f035a47e6f704367a8c48406647d0ac","token_estimate":409,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"•\n\nNo\n\nNo\n\nNo\n\nAppendix F-1: URAR Reference Guide\n\nPage 221 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: General Information\n\n22.01.23\n\nSale Price\n\nAlways\n\nRequired if Listing\nStatus is Settled Sale\n\nDollar amount\n\n22.01.24\n\nTransfer\nTerms\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\nSale Price is only\napplicable to\ncomparables\nTransfer Terms is only\napplicable to\ncomparables\n\nNo\n\nYes\n22.01.25\n\nCourt Ordered Non-Foreclosure Sale\nEstate Sale\nForeclosure Sale\nLand Sale\nPre-Subdivision Sale\nRelocation Sale\nREO Sale\nSale Between Related Parties\nShort Sale\nTypically Motivated (e.g., Arm’s Length sale)\nOther (Describe)\n\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\nNote: If more than one Transfer Term applies, select the most applicable\none and provide details in Reconciliation of Sales Comparison Approach\n(22.16.01).\n\n22.01.26\n\nFinancing\nType\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nYes | No\n\nTransaction Executed\nWithout Financing\nis only applicable to\ncomparables\n\nYes\n22.01.27\n\nTransaction Executed Without Financing\n•\n\nIf Yes, “Cash” displays for Financing Type\n\n22.01.26\n\nFinancing\nType\n\nIf relevant\n\nRequired when\nTransaction Executed\nWithout Financing is\nNo\n\nChoose an\nallowable answer\nfrom Definition /\nAdditional\nGuidance column\n"} diff --git a/chunks/json/4639ef61625bf83d19ed69c3e3a0897122d745cd9cf62bcfd57cc1d7adf09ad9.json b/chunks/json/4639ef61625bf83d19ed69c3e3a0897122d745cd9cf62bcfd57cc1d7adf09ad9.json new file mode 100644 index 0000000000000000000000000000000000000000..f45ec863644161aa52189a8dd9d169370a3d8eed --- /dev/null +++ b/chunks/json/4639ef61625bf83d19ed69c3e3a0897122d745cd9cf62bcfd57cc1d7adf09ad9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":56003,"char_start":54356,"chunk_id":"chk_02681d848d88570c","chunk_index":30,"chunk_sha256":"4639ef61625bf83d19ed69c3e3a0897122d745cd9cf62bcfd57cc1d7adf09ad9","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"4639ef61625bf83d19ed69c3e3a0897122d745cd9cf62bcfd57cc1d7adf09ad9","token_estimate":412,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Required for each photo or\nimage\n\nEnergy Efficient and\nGreen Features Exhibits\n\nRequired for each photo or\nimage\n\n7\n\nSketch\n\nSketch\n\nAn additional caption may be\nprovided.\n\nFloor Plan\n\nAn additional caption may be\nprovided.\n\n8\n\nDwelling\nExterior\n\nAt least one photo of the\nfront of each dwelling is\nrequired.\n\nSee 4.059\n\nSee 4.063\n\nThe photo must be associated\nwith the specific Defect,\nDamage, or Deficiency. See\n4.100.\n\nMay include a Plat Map.\n\nPhotos or images related to\nthe Site section that are not\nspecified above. May include\nan image of the Maintenance\nAgreement 4.022.\n\nIf a Sketch or Floor Plan is not\nprovided, an explanation is\nrequired in Sketch\nCommentary 7.003.\nIf a Sketch or Floor Plan is not\nprovided, an explanation is\nrequired in Sketch\nCommentary 7.003.\nLarge photo at the top of the\nsection (identified as Dwelling\nFront)\n\nAppendix F-1: URAR Reference Guide\n\nPage 19 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\n8\n\nDwelling\nExterior\n(Continued)\n\nDwelling Front\n\nMay be provided to further\nidentify the photo or image in\nDwelling Exterior Exhibits\n\nAt least one photo of the\nfront of each dwelling is\nrequired.\n\nDwelling Rear\n\nNoncontinuous Area\n\nApparent Defects,\nDamages, Deficiencies –\nFeature\nExample: Roof\n\nMay be provided to further\nidentify the photo or image\nRequired, including the room\ntype, location, and any other\ndescriptive information as\nappropriate.\n\nMay be provided to further\nidentify the photo or image\n"} diff --git a/chunks/json/463cbcef208fc5eecf5448d982514f83fdee2e2fb53e172a553785fb433059c6.json b/chunks/json/463cbcef208fc5eecf5448d982514f83fdee2e2fb53e172a553785fb433059c6.json new file mode 100644 index 0000000000000000000000000000000000000000..9429b08d494c7e1b4471c8d11249a9cea17e467f --- /dev/null +++ b/chunks/json/463cbcef208fc5eecf5448d982514f83fdee2e2fb53e172a553785fb433059c6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":25453,"char_start":23848,"chunk_id":"chk_732c0a70d66a035f","chunk_index":13,"chunk_sha256":"463cbcef208fc5eecf5448d982514f83fdee2e2fb53e172a553785fb433059c6","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"463cbcef208fc5eecf5448d982514f83fdee2e2fb53e172a553785fb433059c6","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"02.006 Original Lender\n\nAlways required\n\nFree-form\n\nThe lender identified in the original appraisal report.\n\nAppendix F-3: Completion Report Reference Guide\n\nPage 13 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n03 Itemized List of Repairs\n\n03 Itemized List of Repairs\n\nThe Itemized List of Repairs section displays a list of individual repairs required in the original appraisal, and\ntheir status as of the date of the completion inspection. If there were no repairs in the original appraisal, this\nsection does not display.\n\nCompletion Report - Itemized List of Repairs\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n03.001\n\nFeature\n\nRequired for each\nrepair 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\nN/A\n\nSee\niGuide\n\nRequired for each\nrepair item\n\nPhoto or image\n\nPhotos or images for the repair item (whether repair completed or not) must\nbe provided, which display in Completion Report Exhibits as “Itemized List of\nRepairs” with the indicated Feature. A caption may be provided to further\ndescribe the photo.\n\n03.002\n\nLocation\n\nRequired for each\nrepair item\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\n03.003\n\nDescription\n\nRequired for each\nrepair item\n\nFree-form\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 one\nhas the repair item.\n"} diff --git a/chunks/json/465e185e901b4d03ada2aae1e9a36897e009ce6cc2629797e24569072ac2c0fe.json b/chunks/json/465e185e901b4d03ada2aae1e9a36897e009ce6cc2629797e24569072ac2c0fe.json new file mode 100644 index 0000000000000000000000000000000000000000..e9531e2835927bd69b38f25fbec858af9fcc72ef --- /dev/null +++ b/chunks/json/465e185e901b4d03ada2aae1e9a36897e009ce6cc2629797e24569072ac2c0fe.json @@ -0,0 +1 @@ +{"chunk":{"char_end":145873,"char_start":143965,"chunk_id":"chk_c46de380d42456d5","chunk_index":82,"chunk_sha256":"465e185e901b4d03ada2aae1e9a36897e009ce6cc2629797e24569072ac2c0fe","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"465e185e901b4d03ada2aae1e9a36897e009ce6cc2629797e24569072ac2c0fe","token_estimate":477,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Term\n\nBusiness Partner\n\nCardinality\n\nClass Word\n\nDefinition\n\nAny entity that is exchanging an electronic transaction with another entity.\nSometimes referred to as a “trading partner.”\n\nThe number of times a container within the V3.0 Reference Model can\nrepeat. The V3.0 Reference Model has established the bare minimum of\ncardinality limits necessary to maintain the hierarchical relationships among\nthe containers. The ULDDS and GSE-specific Implementation Guides have\ntightened the cardinality to meet specific business requirements. Cardinality\nis expressed next to each container heading bar in Appendix A as (MIN=n,\nMAX=n), with n equal to the number of times the container is to repeat (MIN)\nand the total number of times it can repeat (MAX). Sometimes referred to as\n“repeatability.”\n\nThe last component of all MISMO data point names, indicating the type of\ninformation conveyed by the data point (for example, Number, Date,\nandType.\n\nComplex Type XML\nElements\n\nXML data elements that have child elements or attributes. XML data\nelements with child elements are also called “containers.”\n\nConditionality\n\nThe specified business requirement or event (condition) governing whether\na particular data point must be included in a transaction.\n\nContainer\n\nData Point\n\nDeprecated\n\nA Complex Type XML Element used to categorize (contain) other data\nelements.\n\nA simple type XML data element used in the V3.0 Reference Model. Data\npoint names are referred to as “terms” in MISMO’s Logical Data Dictionary.\nSometimes referred to as a “field” or “element.”\n\nA term used in data standards and documentation. Employed in the V3.0\nLDD to identify data points and containers that have been removed or\nsuperseded and are no longer used. The data points are deprecated\ninstead of completely removed from the standard to enable users of\nprevious versions to understand how the data point has changed in the new\nversion.\n"} diff --git a/chunks/json/4666f73b59b5f77e9f0caff74d2e96f152edca253b3e2f145f32880252e06d30.json b/chunks/json/4666f73b59b5f77e9f0caff74d2e96f152edca253b3e2f145f32880252e06d30.json new file mode 100644 index 0000000000000000000000000000000000000000..25a27cddeeeec9412d829a5bf21a5c1f36042dc9 --- /dev/null +++ b/chunks/json/4666f73b59b5f77e9f0caff74d2e96f152edca253b3e2f145f32880252e06d30.json @@ -0,0 +1 @@ +{"chunk":{"char_end":30962,"char_start":29311,"chunk_id":"chk_c2a762f90579e645","chunk_index":10,"chunk_sha256":"4666f73b59b5f77e9f0caff74d2e96f152edca253b3e2f145f32880252e06d30","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6ed14f279c811ac1","text_sha256":"4666f73b59b5f77e9f0caff74d2e96f152edca253b3e2f145f32880252e06d30","token_estimate":410,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__UCD_Collection_Solution___Fannie_Mae_y4gsja.md"]},"text":"**Q23. Each time our users submit the same non-DU loan, a new Casefile ID is generated by the UCD Collection Solution. Are users doing something incorrectly?**\n\nNo, the users are not doing anything incorrectly. The UCD Collection Solution is designed to generate a new Casefile ID each time the DU Casefile ID is missing and the submission is not tied to a previous UCD submission. The user can tie back to a previous UCD submission by adding this section to the XML file. Adding this section to the XML file will ensure that UCD Collection Solution does not create a new Casefile ID.\n\n![UCD Collection FAQs automated underwriting](/sites/g/files/koqyhd181/files/2021-11/automated%20underwriting.png)\n\nPlease contact your UCD vendor if you are unsure on how to get this section into the XML file.\n\n**Q24. If DU is rerun for any reason and a new DU Casefile ID has been issued during the life of the loan, which casefile ID should be used for the UCD submission?**\n\nWhen DU is rerun for any reason, the UCD submission should include the DU casefile ID that the Lender intends on including in the loan delivery to Fannie Mae.\n\nEdit Messaging\n\n**Q25. What types of eligibility feedback messages will be provided upon submission?**\n\nRefer to the [UCD feedback messages](/media/document/xlsx/ucd-feedback-messages) for details.\n\n**Q26. Is Fannie Mae collaborating with Freddie Mac on edit feedback messaging?**\n\nEach GSE has developed their own UCD Collection Solution with unique edit feedback messaging with a severity of Warning. However, the GSEs collaborate on messaging with a severity of Fatal of which pertain to specific UCD datapoints.\n"} diff --git a/chunks/json/4668d5f68590fc4ae62a54adb52c9d4a78547ea5c3dd037e0ab11ff14fe6fa58.json b/chunks/json/4668d5f68590fc4ae62a54adb52c9d4a78547ea5c3dd037e0ab11ff14fe6fa58.json new file mode 100644 index 0000000000000000000000000000000000000000..d3f8f9e2a77b8b493e3e1c26525571d0f9f277f8 --- /dev/null +++ b/chunks/json/4668d5f68590fc4ae62a54adb52c9d4a78547ea5c3dd037e0ab11ff14fe6fa58.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1648,"char_start":0,"chunk_id":"chk_fdfeb37fbcdc6c0e","chunk_index":0,"chunk_sha256":"4668d5f68590fc4ae62a54adb52c9d4a78547ea5c3dd037e0ab11ff14fe6fa58","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_24862b5b8723cb88","text_sha256":"4668d5f68590fc4ae62a54adb52c9d4a78547ea5c3dd037e0ab11ff14fe6fa58","token_estimate":412,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-integration-impact-memo-april-2021.pdf"]},"text":"Desktop Underwriter® (DU®) Validation Service\nIntegration Impact Memo\nApril update\n\nFeb. 22, 2021\n\nUpdated Feb. 24, 2021\n\nDuring the weekend of April 17, 2021, Fannie Mae will implement changes to the Desktop Underwriter® (DU®) validation service\nas described in the DU validation service Release Notes, April update.\n\nPlease review the following, in addition to the release notes, to ensure that your integrated system(s) will be prepared to support\nthis release.\n\nThis update will introduce new messages, modify existing messages and retire certain messages related to the DU validation\nservice. Integrated systems that parse the DU Codified Findings (UNDERWRITING_FINDINGS_XML), DU Underwriting Findings\nreport data file (RES) or DU Messages API response file (JSON) may require updates to support the message changes. A\npreliminary count of expected message changes is included below to assist with impact assessment.\n\nNew Messages\n\nModified Messages\n\nRetired Messages\n\n3\n\n12\n\n3\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. However, if your integrated systems parse\nthe HTML and/or TXT versions of the DU Underwriting Findings, your system may be impacted by this release.\n\nUnless specified below, these changes will apply to conventional loan casefiles created on or after Nov. 2, 2020\n\nN O T E :\nand submitted or resubmitted to DU on or after April 17, 2021 via Direct Integration and the User Interface (UI).\n\nDU Underwriting Findings - New DU Validation Service Messages\n"} diff --git a/chunks/json/467307848c3b26f55bfa56d2e56f28119831ca6df6b0f83e81ca1dffa9ae5236.json b/chunks/json/467307848c3b26f55bfa56d2e56f28119831ca6df6b0f83e81ca1dffa9ae5236.json new file mode 100644 index 0000000000000000000000000000000000000000..4d5813d9dce50e0f1ea3435fa5bf8f94bb09a12b --- /dev/null +++ b/chunks/json/467307848c3b26f55bfa56d2e56f28119831ca6df6b0f83e81ca1dffa9ae5236.json @@ -0,0 +1 @@ +{"chunk":{"char_end":23318,"char_start":21718,"chunk_id":"chk_67d55a1177fa66b2","chunk_index":13,"chunk_sha256":"467307848c3b26f55bfa56d2e56f28119831ca6df6b0f83e81ca1dffa9ae5236","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3c733ad8fc557aa7","text_sha256":"467307848c3b26f55bfa56d2e56f28119831ca6df6b0f83e81ca1dffa9ae5236","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.pdf/Condo1_Appraisal_v1.3.pdf"]},"text":"Fee 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\nBedrooms\n\nBaths - Full | Half\n\nEastwood\n\nEastwood\n\nMidtown\n\n$0\n\nCentury Village\n\n$0\n\nResidential | Full\n\nResidential | Full\n\nResidential | Full\n\nResidential | Full\n\n1973\n\nMid-rise\n\n1973\n\nMid-rise\n\n1986\n\nMid-rise\n\n$0\n\n1987\n\nMid-rise\n\n$0\n\nForced Warm Air | Natural Gas\n\nForced Warm Air\n\nForced Warm Air\n\nForced Warm Air\n\nCentralized\n\nCentralized\n\nCentralized\n\nCentralized\n\n2\n\nNo\n\n2\n\n2 | 0\n\n2\n\nNo\n\n2\n\n2 | 0\n\n$(5,000)\n\n8\n\nNo\n\n2\n\n2 | 0\n\n3\n\n$0\n\nYes\n\n$(10,000)\n\n2\n\n2 | 0\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\n1,092 Sq. Ft.\n\n1,092 Sq. Ft.\n\n1,171 Sq. Ft.\n\n$0\n\n1,075 Sq. Ft.\n\n$0\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nInterior Quality and Condition\n\nQuality\n\nKitchen\n\nQ4\n\nQ4\n\nQ4\n\nQ4\n\nQuality components\n\nQuality components\n\nQuality components\n\nQuality components\n\nOverall Bathrooms\n\nDecorative tiling and finishes\n\nDecorative tiling and finishes\n\nDecorative tiling and finishes\n\nDecorative tiling and finishes\n\nOverall Flooring\n\nWool carpeting\n\nQuality carpeting\n\nQuality carpeting\n\nQuality carpeting\n\nCondition\n"} diff --git a/chunks/json/46789b65993a6c44682c656104939d3ce11e70bf5fb1a6dae5f365d5df6eb7d3.json b/chunks/json/46789b65993a6c44682c656104939d3ce11e70bf5fb1a6dae5f365d5df6eb7d3.json new file mode 100644 index 0000000000000000000000000000000000000000..3e01bd045a458c0a32e05db6f14222166f60d8af --- /dev/null +++ b/chunks/json/46789b65993a6c44682c656104939d3ce11e70bf5fb1a6dae5f365d5df6eb7d3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":493810,"char_start":492176,"chunk_id":"chk_b994aa9de60557ea","chunk_index":290,"chunk_sha256":"46789b65993a6c44682c656104939d3ce11e70bf5fb1a6dae5f365d5df6eb7d3","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"46789b65993a6c44682c656104939d3ce11e70bf5fb1a6dae5f365d5df6eb7d3","token_estimate":409,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Unit Charge $ per month\n\nper month X 12 = $ per year\n\n229\n\n2\n\n27\n\nPROJECT\nANALYSIS\n\n230\n\n2\n\n28\n\nPROJECT\nANALYSIS\n\nPROJECT\nANALYSIS\n\nUNIT\nDESCRIPTION\nUNIT\nDESCRIPTION\n\nUNIT\nDESCRIPTION\n\n231\n\n232\n\n233\n\n234\n\n235\n\n236\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n29\n\n30\n\n31\n\n32\n\n33\n\n34\n\nProject Analysis\nAdditional\nFacilities Fee\nDescription\n\nA free-form text field describing the\nconditions, extent, and terms of the\nadditional fee not included in the standard\nproject fee (e.g. HOA fee).\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/@\n_AdditionalFacilitiesFeeDescription\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 Analysis\nCompetitive\nProject\nComparison Type\n\nProject Analysis\nCompetitive\nProject\nComparison Type\n\nProject Analysis\nCompetitive\nProject\nComparison Type\n\nProject Analysis\nCompetitive\nProject\nComparison\nDescription\n\nProject Analysis\nSpecial\nCharacteristics\nIndicator\n\nProject Analysis\nSpecial\nCharacteristics\nIndicator\n\nSpecifies the type of competition the\nproject faces.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@\n_CompetitiveProjectComparisonType='High']\n\nSpecifies the type of competition the\nproject faces.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@\n_CompetitiveProjectComparisonType='Average']\n\nSpecifies the type of competition the\nproject faces.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@\n_CompetitiveProjectComparisonType='Low']\n\n7\n\n7\n\n7\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nA free-form text field describing the\ndifferences, relative values, and effect of\ncompetitive projects.\n"} diff --git a/chunks/json/467c4d130c3a4aae138c3d5f339eda058c1269082b6756a3e2ca95d869ac2298.json b/chunks/json/467c4d130c3a4aae138c3d5f339eda058c1269082b6756a3e2ca95d869ac2298.json new file mode 100644 index 0000000000000000000000000000000000000000..e7a2f7c2e0eedbf68e149ef1c471eb5f220725e0 --- /dev/null +++ b/chunks/json/467c4d130c3a4aae138c3d5f339eda058c1269082b6756a3e2ca95d869ac2298.json @@ -0,0 +1 @@ +{"chunk":{"char_end":166322,"char_start":164723,"chunk_id":"chk_244bea78ca0f56ab","chunk_index":78,"chunk_sha256":"467c4d130c3a4aae138c3d5f339eda058c1269082b6756a3e2ca95d869ac2298","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"467c4d130c3a4aae138c3d5f339eda058c1269082b6756a3e2ca95d869ac2298","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"4.0 Loan Terms\n\nCan this amount increase after closing?\n\n4.3 Monthly Principal & Interest\nSee Projected Payments below for your\nEstimated Total Monthly Payment\n\n4.3.1 $761.78\n\n4.3.2 YES\n\n4.3.3 • Adjusts every 3 years starting in year 6\n• Can go as high as $1,870 in year 15\n\nFigure 44. P&I Payment Can Increase\n\nPotential increases to the payment are supported by the following UCD data points:\n\nTable 61. P&I Payment Can Increase\n\nForm\nField ID\n(bullet)\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\n4.3.3\n(2)\n\nCan go as high as\n$n in year n\n\n…/AMORTIZATION_\nRULE\n\nAmortizationType\n\nAdjustableRate\n\n4.3.2\n\nCan this amount\nincrease…?\n\n…/LOAN/LOAN_DE\nTAIL\n\nPaymentIncreaseIn\ndicator\n\ntrue\n\nRepresented as\n“Can go” on Loan\nTerms table\n\nRepresented as\n“YES” on form\n\nAppendix E: UCD Implementation Guide\n\nPage 72 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n4.0 Loan Terms\n\nThe figure below illustrates the case of a Graduated Payment Mortgage, where the increase to the payment\namount is scheduled, and so definite.\n\n4.0 Loan Terms\n\nCan this amount increase after closing?\n\n4.3 Monthly Principal & Interest\n\n4.3.1 $761.78\n\n4.3.2 YES\n\nSee Projected Payments below for your\nEstimated Total Monthly Payment\n\n4.3.3 • Adjusts every 3 years starting in year 6\n• Goes as high as $1,870 in year 15\n See AP Table on page 4 for details\n\nFigure 45. P&I Payment Will Increase\n\nScheduled increases to the interest rate are supported by the following UCD data points:\n\nTable 62. P&I Payment Will Increase\n\nID\n(bullet)\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n"} diff --git a/chunks/json/467d6408f9ef601bdf4b9d3008d2ce615133874fdc1c54c70b4b18b066d3c281.json b/chunks/json/467d6408f9ef601bdf4b9d3008d2ce615133874fdc1c54c70b4b18b066d3c281.json new file mode 100644 index 0000000000000000000000000000000000000000..64aee452af5e79c5eb37c964c96b6564ba587dbc --- /dev/null +++ b/chunks/json/467d6408f9ef601bdf4b9d3008d2ce615133874fdc1c54c70b4b18b066d3c281.json @@ -0,0 +1 @@ +{"chunk":{"char_end":304463,"char_start":302860,"chunk_id":"chk_c3da2f6b387d34ed","chunk_index":176,"chunk_sha256":"467d6408f9ef601bdf4b9d3008d2ce615133874fdc1c54c70b4b18b066d3c281","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"467d6408f9ef601bdf4b9d3008d2ce615133874fdc1c54c70b4b18b066d3c281","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Appraiser 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 22 of 30\nPage 22 of 30\n\nSales Comparison Approach (continued)\n\nPG BRK\n\nSales Comparison Map\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 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"} diff --git a/chunks/json/4680df747842ccd063a49a5ebc5877b2dc5bff2f86cbc5accd321994a4efacd5.json b/chunks/json/4680df747842ccd063a49a5ebc5877b2dc5bff2f86cbc5accd321994a4efacd5.json new file mode 100644 index 0000000000000000000000000000000000000000..84a87e368f5c237ab39706d685cb3193478c353a --- /dev/null +++ b/chunks/json/4680df747842ccd063a49a5ebc5877b2dc5bff2f86cbc5accd321994a4efacd5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1723,"char_start":0,"chunk_id":"chk_7de4464488ac674e","chunk_index":0,"chunk_sha256":"4680df747842ccd063a49a5ebc5877b2dc5bff2f86cbc5accd321994a4efacd5","date_utc":"2026-01-27T18:10:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b0bb634c8cbfe634","text_sha256":"4680df747842ccd063a49a5ebc5877b2dc5bff2f86cbc5accd321994a4efacd5","token_estimate":431,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_123115.pdf"]},"text":"AMA_PUDB_definitions_123115.xlsx\n\nData Definitions\nFederal Housing Finance Agency\nFederal Home Loan Bank Purchased Mortgage Files\nAs of December 31, 2015\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\n29 CICA\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/469ed94e18aee13ad4174d4becbef9ee726b90ac32d24450caaf749cb28135b6.json b/chunks/json/469ed94e18aee13ad4174d4becbef9ee726b90ac32d24450caaf749cb28135b6.json new file mode 100644 index 0000000000000000000000000000000000000000..5b792f6627595634b2019288e082439f43e7e40b --- /dev/null +++ b/chunks/json/469ed94e18aee13ad4174d4becbef9ee726b90ac32d24450caaf749cb28135b6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3254,"char_start":1649,"chunk_id":"chk_48d04e0bd3cb20fc","chunk_index":1,"chunk_sha256":"469ed94e18aee13ad4174d4becbef9ee726b90ac32d24450caaf749cb28135b6","date_utc":"2026-01-27T18:07:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_221a19b69e218256","text_sha256":"469ed94e18aee13ad4174d4becbef9ee726b90ac32d24450caaf749cb28135b6","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/_.pdf/SF5A_Appraisal_v1.1.pdf"]},"text":"This cover section, including Introduction and Key Characteristics,\n\nis not part of the URAR.\n\nUniform Residential Appraisal Report\n\n213 TREE STAND RD, ANYTOWN, MD 09992\n\nSUMMARY\n\nOpinion of Market Value\n\n$350,000\n\nMarket Value Condition\n\nAs Is\n\n+.5 li # only\n\nin Summary\n\nEffective Date of Appraisal\nAssignment Reason\nBorrower Name\nCurrent Owner of Public Record\nListing Status\n\n03/03/2024\nRefinance\nJane Doe\nJane Doe\nNone\n\nProperty Valuation Method\nAppraiser Name\n\nTraditional Appraisal\nJohn Appraiser\n\nSite Built\nDetached\n\nOverall Quality\nOverall Condition\n\nQ4\nC3\n\nYes No\n \n \n \n \n \n\nYes No\n \n\nThis is where the Dwelling Front photo would display.\n\nProperty Description\n\nConstruction Method\nAttachment Type\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) the\npresent use?\n\nZoning Compliance\n\nLegal\n\nApparent Defects, Damages, Deficiencies Requiring Action\n\nNone\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 2 of 19\nPage 2 of 19\n\nAssignment Information\n\nAssignment Reason\nBorrower Name\nCurrent Owner of Public Record\n\nRefinance\nJane Doe\nJane Doe\n\nProperty Valuation Method\n\nTraditional Appraisal\n\nYes No\nWas a Property Data Report used in lieu of an Inspection?  \n\nSTET\n\n“lieu” l.c.\n\nAppraiser Fee\n\n$0\n\nContact Information\n"} diff --git a/chunks/json/469f314ae012bdd151200357393694be48539b15d1558493503604be52dc5663.json b/chunks/json/469f314ae012bdd151200357393694be48539b15d1558493503604be52dc5663.json new file mode 100644 index 0000000000000000000000000000000000000000..ee71c44f43a612d8b278e975e7934d22cb775c4e --- /dev/null +++ b/chunks/json/469f314ae012bdd151200357393694be48539b15d1558493503604be52dc5663.json @@ -0,0 +1 @@ +{"chunk":{"char_end":35583,"char_start":35123,"chunk_id":"chk_bd8feb5a8a1e200e","chunk_index":52,"chunk_sha256":"469f314ae012bdd151200357393694be48539b15d1558493503604be52dc5663","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"469f314ae012bdd151200357393694be48539b15d1558493503604be52dc5663","token_estimate":408,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Quality and Condition .............................................................................................................................................................................................................. 158\n\nNoncontinuous Finished Area .................................................................................................................................................................................................. 163\n"} diff --git a/chunks/json/46a45940d9a1d24075e8b15e3bc3cb2b4e9c70ef29ae3c01f2d265bd465c2651.json b/chunks/json/46a45940d9a1d24075e8b15e3bc3cb2b4e9c70ef29ae3c01f2d265bd465c2651.json new file mode 100644 index 0000000000000000000000000000000000000000..faa0d26285acc5f7318e64c421daa6616c5e4ff7 --- /dev/null +++ b/chunks/json/46a45940d9a1d24075e8b15e3bc3cb2b4e9c70ef29ae3c01f2d265bd465c2651.json @@ -0,0 +1 @@ +{"chunk":{"char_end":38556,"char_start":36926,"chunk_id":"chk_940700daaa337bc7","chunk_index":15,"chunk_sha256":"46a45940d9a1d24075e8b15e3bc3cb2b4e9c70ef29ae3c01f2d265bd465c2651","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"46a45940d9a1d24075e8b15e3bc3cb2b4e9c70ef29ae3c01f2d265bd465c2651","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"\n\nOtherBorrower Application Fee\n\n\n \n\n\n\n…\n\n\n\nd. UCD v2.0 Components Excluded from Spec Excerpt Tables\n\nUCD v2.0 provides operational flexibility for users of the dataset through comprehensive sets of enumerations, the\nattribute DisplayLabelText, and enumerated data points ending in “OtherDescription”. The scope of the Spec excerpts is to\nillustrate the most common business scenarios, so the following detailed UCD v2.0 Spec components are excluded from the\nSpec excerpts.\n\ni.\n\nii.\n\niii.\n\niv.\n\nDisplayLabelText. This attribute enabling the rendering of a proprietary name for an enumerated value in\nplace of the UCD v2.0 Spec supported enumeration. DisplayLabelText is optional in UCD v2.0 and it is up to the\nlender to manage its use within their XML files.\n\nThe enumerated data point value “Other” with data points ending in “OtherDescription”. UCD v2.0 provides\ncomplete sets of values for included enumerated data points. The use of “Other/OtherDescription” must be\nlimited to values not commonly used in industry or those that are emerging as newly accepted. However, GSE-\nspecified values for “OtherDescription” are required when enumerations are specified for the\n“OtherDescription” data point in the “UCD v2.0 Support Enumerations” column.\n"} diff --git a/chunks/json/46a4e746ab4ffbe913cc29e4649878ec4345866b74dd7c527dd08ea8c6f00eee.json b/chunks/json/46a4e746ab4ffbe913cc29e4649878ec4345866b74dd7c527dd08ea8c6f00eee.json new file mode 100644 index 0000000000000000000000000000000000000000..3af25850a285495e705975783e83cb76c3bea7e0 --- /dev/null +++ b/chunks/json/46a4e746ab4ffbe913cc29e4649878ec4345866b74dd7c527dd08ea8c6f00eee.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17764,"char_start":17142,"chunk_id":"chk_808c4a2a374b4cb1","chunk_index":26,"chunk_sha256":"46a4e746ab4ffbe913cc29e4649878ec4345866b74dd7c527dd08ea8c6f00eee","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"46a4e746ab4ffbe913cc29e4649878ec4345866b74dd7c527dd08ea8c6f00eee","token_estimate":501,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Disaster Mitigation ........................................................................................................................................ 41\n\nDisaster Mitigation Commentary (H1) ................................................................................................................ 41\n\nDisaster Mitigation Exhibits (H1) ........................................................................................................................ 41\n\nEnergy Efficient and Green Features .............................................................................................................. 41\n"} diff --git a/chunks/json/46b37a34c48ddef4d0e165c5d94c4763fc274721265fe51774d8412bcf4aabe8.json b/chunks/json/46b37a34c48ddef4d0e165c5d94c4763fc274721265fe51774d8412bcf4aabe8.json new file mode 100644 index 0000000000000000000000000000000000000000..b9b095883fbdee3f951284c538cdbd084e9afa24 --- /dev/null +++ b/chunks/json/46b37a34c48ddef4d0e165c5d94c4763fc274721265fe51774d8412bcf4aabe8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":112303,"char_start":110536,"chunk_id":"chk_c557b236faaa9e58","chunk_index":65,"chunk_sha256":"46b37a34c48ddef4d0e165c5d94c4763fc274721265fe51774d8412bcf4aabe8","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"46b37a34c48ddef4d0e165c5d94c4763fc274721265fe51774d8412bcf4aabe8","token_estimate":442,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Note: Substantial repairs are needed to the improvements due to the lack of adequate\nmaintenance or property damage. It reflects a property with conditions severe enough to\naffect the safety, soundness, or structural integrity of the improvements.\n\nQuality Ratings and Definitions\n\nQ1\nDwellings with this quality rating are usually unique structures that are individually designed by an\narchitect for a specified user. Such residences typically are constructed from detailed architectural plans\nand specifications and feature an exceptionally high level of workmanship and exceptionally high-grade\nmaterials throughout the interior and exterior of the structure. The design features exceptionally high-\nquality exterior refinements and ornamentation, and exceptionally high-quality interior refinements. The\nworkmanship, materials, and finishes throughout the dwelling are of exceptionally high quality.\n\nQ2\nDwellings with this quality rating are often custom designed for construction on an individual property\nowner’s site. However, dwellings in this quality grade are also found in high-quality tract developments\nfeaturing residences constructed from individual plans or from highly modified or upgraded plans. The\ndesign features detailed, high- quality exterior ornamentation, high-quality interior refinements, and\ndetail. The workmanship, materials, and finishes throughout the dwelling are generally of high or very\nhigh quality.\n\nPage 65 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/46c60bdcffffc4bf29663e2472a1e2799faf02bff9ffb450e64671af1b0598bb.json b/chunks/json/46c60bdcffffc4bf29663e2472a1e2799faf02bff9ffb450e64671af1b0598bb.json new file mode 100644 index 0000000000000000000000000000000000000000..641d89b4c515bdb6fe88dd86ab65ea83ec8f6e66 --- /dev/null +++ b/chunks/json/46c60bdcffffc4bf29663e2472a1e2799faf02bff9ffb450e64671af1b0598bb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1712,"char_start":0,"chunk_id":"chk_a5f1dda20f5daf7f","chunk_index":0,"chunk_sha256":"46c60bdcffffc4bf29663e2472a1e2799faf02bff9ffb450e64671af1b0598bb","date_utc":"2026-01-27T17:54:24+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d720c51ca18120d2","text_sha256":"46c60bdcffffc4bf29663e2472a1e2799faf02bff9ffb450e64671af1b0598bb","token_estimate":523,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Contact_Us___FHFA_m8t1tq.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/contact\"\ndate_accessed: \"2026-01-27T17:54:20.350Z\"\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/46d36b24f59e60e4a799f5114023562a1bf586709097b8087d12788c36b0eed4.json b/chunks/json/46d36b24f59e60e4a799f5114023562a1bf586709097b8087d12788c36b0eed4.json new file mode 100644 index 0000000000000000000000000000000000000000..727e60b435ca472139358f6f78c8f564c2d20cde --- /dev/null +++ b/chunks/json/46d36b24f59e60e4a799f5114023562a1bf586709097b8087d12788c36b0eed4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":22946,"char_start":21130,"chunk_id":"chk_ac7756bb7dfb687b","chunk_index":9,"chunk_sha256":"46d36b24f59e60e4a799f5114023562a1bf586709097b8087d12788c36b0eed4","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2b6a9e94e3fa6d9e","text_sha256":"46d36b24f59e60e4a799f5114023562a1bf586709097b8087d12788c36b0eed4","token_estimate":452,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Freddie_Mac_Single_Fam_r5x1k.md"]},"text":"## Appraisal Update\n\n[### Appendix A-2: UAD 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.](/docs/xls/requirements/appendix-a-2-restricted-appraisal-update-report-delivery-specification.xlsx)\n\n[### Appendix B-2: Restricted Appraisal Update 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-2-restricted-appraisal-update-report-implementation-guide.pdf)\n\n[### Appendix C-2: Restricted Appraisal Update Report Layout\n\nThis zip file contains the Appraisal Update Report Layout with Report Field IDs and the Appraisal Update Report Layout without Report Field IDs. The purpose of these documents is to show all possible Report Labels that may display on the Appraisal Update Report, regardless of conditionality.](/docs/zip/requirements/appendix-c-2-restricted-appraisal-update-report-layout.zip)\n\n[### Appendix D-2: Restricted Appraisal Update Report Sample Scenario and XML File\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-2-restricted-appraisal-update-report-sample-scenario-and-xml-file.zip)\n\n[### Appendix F-2: Restricted Appraisal Update Report Reference Guide\n\nThis document provides guidance on how to enter information and how the data will be displayed in the Restricted Appraisal Update Report.](/docs/pdf/appendix-f-2-restricted-appraisal-update-report-reference-guide.pdf)\n"} diff --git a/chunks/json/46e6269b60a92e905463b3f32589c07e702d5a4f7ffb8ec04d36adbb94a552e3.json b/chunks/json/46e6269b60a92e905463b3f32589c07e702d5a4f7ffb8ec04d36adbb94a552e3.json new file mode 100644 index 0000000000000000000000000000000000000000..b6088e05487aa1bc4822f6da00d38ac576f86b0f --- /dev/null +++ b/chunks/json/46e6269b60a92e905463b3f32589c07e702d5a4f7ffb8ec04d36adbb94a552e3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":24856,"char_start":23120,"chunk_id":"chk_2fb292c990549679","chunk_index":12,"chunk_sha256":"46e6269b60a92e905463b3f32589c07e702d5a4f7ffb8ec04d36adbb94a552e3","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"46e6269b60a92e905463b3f32589c07e702d5a4f7ffb8ec04d36adbb94a552e3","token_estimate":434,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Note: Certain aspects of the location of a property will require special consideration. For example, properties in resort areas that\nattract people for seasonal or vacation use are acceptable only if they are suitable for year-round use.\n\nAcceptable Forms of Property Ownership\n\nTitle to the property must be held as fee simple (which may include title held in a life estate), leasehold estate or as a co-op form\nof ownership. (See B2-2-01, General Borrower Eligibility, SB2-3-03, Special Property Eligibility and Underwriting Considerations:\nLeasehold Estates; and B4-2.3-04, Loan Eligibility for Co-op Share Loans, for additional information.)\n\nNote: Life estates satisfying the requirements described in B2-2-01, General Borrower Eligibility, are often chosen as a means to\navoid probate. However, similar arrangements do not qualify as life estates for loan eligibility purposes if:\n\n•\n\n•\n\nthe named successors under such arrangements do not have vested and irrevocable property rights in the subject\nproperty, such as with “lady bird deeds”, or\nthe current holder of the property can, before their own death, transfer full ownership of the subject property to a third\nparty without the approval or consent of any contingent beneficiaries, such as under typical statutory “transfer on death\ndeeds.”\n\nAcceptable Dwelling Types\n\nDwelling units for security properties may be detached, attached, or semi-detached.\n\nProperties may be located\n\n• on an individual lot,\n•\nin a condo project,\n•\nin a co-op project, or\n•\nin a planned unit development (PUD) or subdivision project.\n\nProperties located in a condo, co-op, or PUD project must meet Fannie Mae’s project standards requirements (see Selling Guide\nChapter B4–2, Project Standards).\n"} diff --git a/chunks/json/46e9ccd8613527f168fa553b2f98717f6821d1214ee5bcbece33a6b2166b2ed1.json b/chunks/json/46e9ccd8613527f168fa553b2f98717f6821d1214ee5bcbece33a6b2166b2ed1.json new file mode 100644 index 0000000000000000000000000000000000000000..3f7609b677e0b7d9cfe6d950b411f56ebeff8f42 --- /dev/null +++ b/chunks/json/46e9ccd8613527f168fa553b2f98717f6821d1214ee5bcbece33a6b2166b2ed1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":40914,"char_start":39295,"chunk_id":"chk_2536a78bd9f7c681","chunk_index":21,"chunk_sha256":"46e9ccd8613527f168fa553b2f98717f6821d1214ee5bcbece33a6b2166b2ed1","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"46e9ccd8613527f168fa553b2f98717f6821d1214ee5bcbece33a6b2166b2ed1","token_estimate":405,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"comment on single-family HOEPA\nstatus.\n\nAccordingly, to conform to HMDA\n\nreporting requirements for HOEPA\nstatus, FHFA has added this data\nelement as new data field 57 in the\nsingle-family Census Tract File.\n\nc. Multifamily Data Field 50: Lien Status\nThis new data field identifies the lien\nstatus of the multifamily loans acquired\nby the Enterprises. Unlike single-family\nlien status, multifamily lien status is not\ncurrently included in the ‘‘purpose of\nloan’’ data field in the multifamily\nmatrix. Fannie Mae has collected but\nnot reported this data in the past.\nFreddie Mac confirmed that it collects\nmultifamily lien status data when it\npurchases mortgage loans and currently\nprovides this data to FHFA for housing\ngoals purposes.\n\nIn response to FHFA’s request,\n\nFreddie Mac and Fannie Mae provided\nFHFA with the multifamily lien status\ndata necessary to populate the new\nmultifamily lien status data field for the\nPUDB. However, Freddie Mac stated\nthat the multifamily lien status data\nfield should be identified in the PUDB\nas ‘‘not applicable’’ because of the\nEnterprises’ status as loan purchasers,\nmaking the argument (already addressed\nabove) that the HMDA instructions\ndifferentiate between the reporting\nrequirements and data element coding\nfor originated versus purchased loans.\nSince the Enterprises have been\n\ncollecting multifamily lien status data,\nFHFA is requiring the Enterprises to\nreport that data for inclusion in new\ndata field 50 for lien status in the\nmultifamily Census Tract File.\n\n3. Data Element Currently Collected But\nNot Previously Reported—Single-\nFamily Data Field 58: Property Type\n"} diff --git a/chunks/json/46f1241875855d6a5f4b79963d164e68f660334c29a8bcdce031a57d119412d8.json b/chunks/json/46f1241875855d6a5f4b79963d164e68f660334c29a8bcdce031a57d119412d8.json new file mode 100644 index 0000000000000000000000000000000000000000..bb555344a01abeaa76daad4971e0847bacc0ebe8 --- /dev/null +++ b/chunks/json/46f1241875855d6a5f4b79963d164e68f660334c29a8bcdce031a57d119412d8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5493,"char_start":4830,"chunk_id":"chk_9a2e8ab3ff938dbb","chunk_index":7,"chunk_sha256":"46f1241875855d6a5f4b79963d164e68f660334c29a8bcdce031a57d119412d8","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"46f1241875855d6a5f4b79963d164e68f660334c29a8bcdce031a57d119412d8","token_estimate":581,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Data Mapping and PDF Rendering Information ....................................................................................................................................................................... 12\n\nLegal Description .......................................................................................................................................................................................................... 14\n\n02 Original Appraisal ...................................................................................................................................................................................................... 16\n"} diff --git a/chunks/json/470ebd61af974d40de994b08da0356a009247fb2d85d969849e362ba7b62c921.json b/chunks/json/470ebd61af974d40de994b08da0356a009247fb2d85d969849e362ba7b62c921.json new file mode 100644 index 0000000000000000000000000000000000000000..4ecd2ad56739f110de664d8d4f7ef38485564cab --- /dev/null +++ b/chunks/json/470ebd61af974d40de994b08da0356a009247fb2d85d969849e362ba7b62c921.json @@ -0,0 +1 @@ +{"chunk":{"char_end":519932,"char_start":517535,"chunk_id":"chk_10307cae98604c6e","chunk_index":295,"chunk_sha256":"470ebd61af974d40de994b08da0356a009247fb2d85d969849e362ba7b62c921","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"470ebd61af974d40de994b08da0356a009247fb2d85d969849e362ba7b62c921","token_estimate":600,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Many MISMO v3.3.0 data points and containers are reusable and may show up in several\ndifferent locations within one XML file. The location or context in which a data point is used\nmust be known to fully understand the business meaning. The location is expressed using the\nXPath. For example, the ADDRESS container may be used in the context of PROPERTY or\nPARTY.\n\nData points ending in Count may be expressed as whole numbers only.\n\nDates are to be presented on the Closing Disclosure as “MM/DD/YYYY”; however, the format\nfor UCD dates is “YYYY-MM-DD”. Implementers must provide dates in the format specified by\nUCD, and convert them to present the dates appropriately on the Closing Disclosure.\n\nDATETIME FORMAT\n\nThis format combines Date and Time formats separated by the Time designator “T”. Both Date\nand Time must be provided as follows: YYYY-MM-DDThh:mm:ss.\n\n@ GSE: DISPLAY L ABEL\nTEXT\n\nDOCUMENT SPECIFIC\nDATA\n\nThe @DisplayLabelText attribute is a free-form text field used in conjunction with an\nenumerated data point to provide a human-readable, display-ready representation of the\ncorresponding enumerated value. In UCD, this data point is used in association with fee,\nescrow, adjustment, proration, and liability data points to allow users to display a company’s\npreference for a name while tying it to the equivalent UCD enumerated value.\n\nAll Document Specific data points reside under DOCUMENT_ SPECIFIC_DATA_SETS in the\nINTEGRATED_DISCLOSURE container and child containers. Data points from this part of the\nReference Model are created to support specific business reporting requirements. Their\ndefinitions are driven by the context of and specific usage within the form or document they\nare intended to populate. In general, these definitions do not conform to broader -based\nindustry understanding, so the data points should not be used outside of the specific\ndocument for which they were designed.\nThe Document Specific child containers of INTEGRATED_DISCLOSURE are:\n1. CA SH_TO_CLOSE_ITEMS (Section 10.0)\n2. ESTIMA TED_PROPERTY_COSTS (Section 5.0 – ETI&A)\n3.\n4.\n5. PRO JECTED_PAYMENTS (Section 5.0 – Payment Calculation)\nFor example: 3.3 Product is conveyed using the Document Specific data point\nIntegratedDisclosuresLoanProductDescription within the INTEGRATED_DISCLOSURE_DETAIL\ncontainer. If the loan is delivered into a different context, say the secondary mortgage market,\n"} diff --git a/chunks/json/473841425fa44b2425184df7d629b00e3b974a82a639b80b984b4c5b91594910.json b/chunks/json/473841425fa44b2425184df7d629b00e3b974a82a639b80b984b4c5b91594910.json new file mode 100644 index 0000000000000000000000000000000000000000..37d22b888ee5d38a2abf33df4f6d6e7c6cf88fc3 --- /dev/null +++ b/chunks/json/473841425fa44b2425184df7d629b00e3b974a82a639b80b984b4c5b91594910.json @@ -0,0 +1 @@ +{"chunk":{"char_end":440000,"char_start":438304,"chunk_id":"chk_2d63b3d0e471ee59","chunk_index":245,"chunk_sha256":"473841425fa44b2425184df7d629b00e3b974a82a639b80b984b4c5b91594910","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"473841425fa44b2425184df7d629b00e3b974a82a639b80b984b4c5b91594910","token_estimate":424,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"For limited cash-out refinance transactions, the LTV ratio is determined by dividing the original loan amount by the “as\ncompleted” appraised value of the property when the mortgage is being delivered prior to the completion of the\nimprovements. If the appraisal was completed after the completion of the improvements, then the LTV ratio is determined by\ndividing the original loan amount by the appraised value of the property.\n\nThere is no minimum dollar amount for the improvements; the maximum dollar amount depends on the type of HomeStyle\nRefresh activity and the transaction, described in the table below.\n\nHomeStyle Refresh Activity\n\nMaximum Amount to Finance Improvements\n\nRenovation of an existing\nproperty\n\nFor purchases or limited cash-out refinances up to 15% of the “as\ncompleted” appraised value of the property.\n\nPayoff of non-PACE secured or\nunsecured debt that financed\nenergy-related improvements\n\nFor limited cash-out refinances up to 15% of the appraised value of the\nproperty. The improvement debt must be paid off in full. Partial payoffs\nare not permitted.\n\nNote: If a HomeStyle Refresh loan includes both new energy-related\nimprovements and payoff of previously acquired energy-related debt, the\ntotal of both cannot exceed 15%.\n\nPayoff of existing PACE loan\n\nFor purchases or limited cash-out refinances: all outstanding PACE debt\nmay be paid off up to the maximum allowable LTV for the transaction and\noccupancy type. The PACE loan must be paid off in full. Partial payoffs\nare not permitted.\n\nLender Responsibilities\n\nThe lender is responsible for\n\n• ensuring that the appraiser has been provided with a copy of all plans and specifications proposed for the renovation\n"} diff --git a/chunks/json/474c5847a8f8fbfde8e06ab27433c10c94901d72064e41e452728bcbcc34fb85.json b/chunks/json/474c5847a8f8fbfde8e06ab27433c10c94901d72064e41e452728bcbcc34fb85.json new file mode 100644 index 0000000000000000000000000000000000000000..d0747e2131e6e0f8937de7064aa37ea3a6da81ad --- /dev/null +++ b/chunks/json/474c5847a8f8fbfde8e06ab27433c10c94901d72064e41e452728bcbcc34fb85.json @@ -0,0 +1 @@ +{"chunk":{"char_end":657419,"char_start":655813,"chunk_id":"chk_88ccaf7fe9aa1c67","chunk_index":391,"chunk_sha256":"474c5847a8f8fbfde8e06ab27433c10c94901d72064e41e452728bcbcc34fb85","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"474c5847a8f8fbfde8e06ab27433c10c94901d72064e41e452728bcbcc34fb85","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"This is an\nappraiser\ninput that\ndoes not\ndisplay in the\nrental grid\n\nSubject Property\n•\n\nNeighborhood\nName 3.003\n\nSubject Property\n•\n\nProperty in a PUD\n3.010\n\nSubject Property\n•\nProperty in a\nProject 3.011-\n3.012-3.013\n\n23.03.03\n23.03.27\n\nProject Name\n\nIf relevant\n\nIf relevant\n\nIf relevant\n\n23.03.04\n\n23.03.28\n\nProject\nCommon\nAmenities /\nServices\n\nProject\nCommon\nAmenities /\nServices\n\nRequired if the\ncomparable is in a\ncondo, co-op, or\ncondop, and the row is\nincluded in the rental\ncomparison grid\n\nCommon Amenities /\nServices is not\nreported for\ncomparables\n\nRequired if the\ncomparable is in a\ncondo, co-op, condop,\nor PUD, and the row is\nincluded in the rental\ncomparison grid\n\nFree-form\n\nProject Information\n•\nProject Name\n18.004\n\nSuperior, Similar\nor Inferior\n\nProject Information\n•\nCommon\nAmenities /\nServices 18.012\n\nCommon Amenities /\nServices Comparison to\nSubject is only\napplicable to\ncomparables\n\nNo\n\nNote: Neighborhood name may not apply in some areas, such as rural\nareas. In this case, enter None when the row is included in the rental\ncomparison grid.\n\nNo\n\nProperty in a PUD: Indicates whether the property is in a PUD.\n\nNo\n\nNo\n\nNo\n\nNo\n\nProperty in a Project\n•\n•\n\nYes (the property is in a condominium, cooperative, or condop)\nNo (the property is not in a condominium, cooperative, or condop)\n\nCommon Amenities / Services Comparison to Subject: Describes how the\ncomparable’s project common amenities and services compare to those\nof the subject property.\n\nAppendix F-1: URAR Reference Guide\n\nPage 294 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n23 Rental Information\n\nReport\nField ID\n"} diff --git a/chunks/json/474d2d42e1f80099b8e2d7c42dad9575e4397934df72f79b13c6e087614f110e.json b/chunks/json/474d2d42e1f80099b8e2d7c42dad9575e4397934df72f79b13c6e087614f110e.json new file mode 100644 index 0000000000000000000000000000000000000000..10cf0b7f13f909be056517072f378b9c3a29eb64 --- /dev/null +++ b/chunks/json/474d2d42e1f80099b8e2d7c42dad9575e4397934df72f79b13c6e087614f110e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12050,"char_start":9975,"chunk_id":"chk_0811ba876319ca32","chunk_index":6,"chunk_sha256":"474d2d42e1f80099b8e2d7c42dad9575e4397934df72f79b13c6e087614f110e","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_30543138a1c3e2a6","text_sha256":"474d2d42e1f80099b8e2d7c42dad9575e4397934df72f79b13c6e087614f110e","token_estimate":518,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/frequently-asked-questions-du-spec.pdf"]},"text":"9\n\nInstead of the Net Rental Income showing up as Subject Positive Cash Flow in the DU\nFindings, the Net Rental Income will show up as Positive Net Rental. The Debt-To-\nIncome (DTI) and Housing Expense Ratios will include the Net Rental Income in the\nincome amount for the borrower(s) as shown below:\n\n10\n\nPlease note that the DU Findings is 32.70% even though the decimal is 32.6949. This is\nbecause DU rounds to three digits when it consumes data (so 32.695), and the Findings\nrounds this value to two decimals.\n\n9. Why are tip income, automobile allowance, and housing allowance income listed as “Income\n\nfrom Other Sources”, when they are typically received as a result of employment?\n\nAutomobile Allowance, Housing Allowance, as well as Tip Income, are included in the supported\nenumerations for IncomeType (unique id 4.0044) that maps to section “1e. Income from Other Sources” of\nthe URLA. No ArcRole is required to associate these Income Types to an employer and the\nEmploymentIncomeIndicator must be set to false.\n\nEmploymentIncomeIndicator (4.0293) = “false”\nIncomeType (4.0044) = “TipIncome” (not on form)\nIncomeType (4.0044) = “AutomobileAllowance” (Listed on form as Automobile Allowance)\nIncomeType (4.0044) = “HousingAllowance” (Listed on form as Housing or Parsonage)\n\nThe benefit of sending the specific enumerations in IncomeType (4.0044) is that DU will return specific\nverification messages for each Income Type.\n\n11\n\n10. How does DU use the data points PropertyUsageType (Unique ID 15.0009) and\n\nPropertyUsageTypeOtherDescription (unique ID 15.0010) for owned properties?\n\nIn scenarios where the borrower(s) is retaining an owned property but intends on using the property\ndifferently in the future, it is important for DU to distinguish the intended/future usage from the current\nusage to understand how to underwrite the loans and expenses related to each property. The form field\n“Intended Occupancy” was added to the URLA in sections 3a, 3b. and 3c. The Intended Occupancy is\nreflected in the loan application submission file as PropertyUsageType.\n"} diff --git a/chunks/json/4751db7e3e8645c066e6c14165ced083f1ff67d70f1d3e3d66463b4fa1d44026.json b/chunks/json/4751db7e3e8645c066e6c14165ced083f1ff67d70f1d3e3d66463b4fa1d44026.json new file mode 100644 index 0000000000000000000000000000000000000000..5eda36219e3f4e5a7a05947ee616b03405872fb0 --- /dev/null +++ b/chunks/json/4751db7e3e8645c066e6c14165ced083f1ff67d70f1d3e3d66463b4fa1d44026.json @@ -0,0 +1 @@ +{"chunk":{"char_end":41913,"char_start":39841,"chunk_id":"chk_029606917a18af23","chunk_index":20,"chunk_sha256":"4751db7e3e8645c066e6c14165ced083f1ff67d70f1d3e3d66463b4fa1d44026","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bc0c11220168b9d2","text_sha256":"4751db7e3e8645c066e6c14165ced083f1ff67d70f1d3e3d66463b4fa1d44026","token_estimate":518,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2011-24791 (1).pdf"]},"text":"indicate that the data field is not\napplicable for 2010 and beyond.\n\nV. Applicability of National File C to\n2010 and Subsequent Years\n\nFHFA has determined that the new\n\nNational File C should apply to the\nEnterprises for 2010 and subsequent\nyears. The Enterprises’ HMDA rate\nspread submissions for 2008–2009\nindicate that the HMDA rate spread\nfield is of questionable value for those\nyears because some lenders reported\nactual APR instead of HMDA rate\nspread.\n\nFor the convenience of the affected\nparties, the Order is recited below in its\nentirety. You may access this Order\nfrom FHFA’s Web site at http://\nwww.fhfa.gov/Default.aspx?Page=43.\nThe Order will be available for public\ninspection and copying at the Federal\nHousing Finance Agency, Fourth Floor,\n1700 G St., NW., Washington, DC 20552.\nTo make an appointment, call (202)\n414–6924.\n\nVI. Order\n\nRevisions to Enterprise Public Use\nDatabase Incorporating High-Cost\nSingle-Family Securitized Loan Data\nFields and Technical Data Field\nChanges\n\nWhereas, section 1323(a)(1) of the Federal\n\nHousing Enterprises Financial Safety and\nSoundness Act of 1992 (Safety and\nSoundness Act), as amended, 12 U.S.C.\n4543(a)(1), requires the Director of the\nFederal Housing Finance Agency (FHFA) to\nmake available to the public the non-\nproprietary single-family and multifamily\nloan-level mortgage data elements submitted\nto FHFA by the Federal National Mortgage\nAssociation (Fannie Mae) and the Federal\nHome Loan Mortgage Corporation (Freddie\nMac) (collectively, the Enterprises) in their\nmortgage reports;\n\nWhereas, the mortgage data submitted by\nFannie Mae and Freddie Mac are contained\nin their reports required under section\n309(m) of the Federal National Mortgage\nAssociation Charter Act, as amended, 12\nU.S.C. 1723a(m), and section 307(e) of the\nFederal Home Loan Mortgage Corporation\nAct, as amended, 12 U.S.C. 1456(e),\nrespectively (hereafter, Charter Acts), and\ninclude mortgage data characteristics of\nsingle-family and multifamily mortgagors\nand data on the Enterprises’ single-family\nand multifamily mortgage purchases;\n"} diff --git a/chunks/json/477b090402c540c715624fd12a30026046fc6f02fba99b20a44a28eb3b4aa1c2.json b/chunks/json/477b090402c540c715624fd12a30026046fc6f02fba99b20a44a28eb3b4aa1c2.json new file mode 100644 index 0000000000000000000000000000000000000000..c81e48d5ccf3c63c770f86f815bba418d0c08461 --- /dev/null +++ b/chunks/json/477b090402c540c715624fd12a30026046fc6f02fba99b20a44a28eb3b4aa1c2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1640,"char_start":0,"chunk_id":"chk_76c13c1d5d295aa9","chunk_index":0,"chunk_sha256":"477b090402c540c715624fd12a30026046fc6f02fba99b20a44a28eb3b4aa1c2","date_utc":"2026-01-27T17:54:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_3a7c5b70ec4ff972","text_sha256":"477b090402c540c715624fd12a30026046fc6f02fba99b20a44a28eb3b4aa1c2","token_estimate":432,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Federal_Housing_Finance_Agency___OIG_ajpq3u.md"]},"text":"---\nsource_url: \"https://www.fhfaoig.gov/\"\ndate_accessed: \"2026-01-27T17:54:20.798Z\"\n---\n\n[Skip to main content](#main-content) Hotline: Report Fraud, Waste & Abuse 1-800-793-7724\n\nText Size: [- A](javascript:;) [+ A](javascript:;)\n\nCurrent Size: 100%\n\nSearch\n\n[![image](/core/misc/feed.svg)](/rss.xml)\n\n[![image](/themes/custom/fhfa/logo.jpg)](/)\n\n- About - [What We Do](/what-we-do)\n - [Headquarters and Locations](/fhfa-oig-headquarters-and-locations)\n - [Organization Chart](/about/Organization)\n - [Frequently Asked Questions](/frequently-asked-questions)\n - [OIG Offices](/OIGOffices)\n - [Hotline](/ReportFraud)\n - [Careers](/Career)\n\n## Sidebar Menu\n\n- Reports - [All OIG Reports](/all-oig-reports)\n - [Audits and Evaluations](/Reports/Audits%20and%20Evaluations)\n - [Compliance Reviews and Inspections](/Reports/Compliance_Reviews)\n - [Management Alerts and Management Advisories](/Reports/ManagementAlerts)\n - [Risk Assessments](/Reports/RiskAssessments)\n - [White Papers](/Reports/WhitePapers)\n - [Status and Special Reports](/reports/statusreports)\n - [Administrative Inquiries](/Reports/Administrative_Inquiries)\n - [Other Action Items](/Reports/AdditionalActionItems)\n - OIG Publications - [Management and Performance Challenges](/Reports/ManagementPerformanceChallenges)\n - [Annual Plan](/Reports/AuditAndEvaluationPlan)\n - [Strategic Plan](/Reports/StrategicPlan)\n - [Semiannual Report to Congress](/Reports/Semiannual)\n - [Compendium of Recommendations](/Reports/Compendium_of_Recommendations)\n - [Press Releases](/PressRelease)\n - [Testimony](/Reports/Testimony)\n - [Current Peer Review Reports](/Reports/PeerReview)\n"} diff --git a/chunks/json/4785763da9bffcfb9515dad4222e8f60f27dd5daebd0c89724bc914c0668d438.json b/chunks/json/4785763da9bffcfb9515dad4222e8f60f27dd5daebd0c89724bc914c0668d438.json new file mode 100644 index 0000000000000000000000000000000000000000..e946eecafafae51b2cea654b2207c14c693a7a8f --- /dev/null +++ b/chunks/json/4785763da9bffcfb9515dad4222e8f60f27dd5daebd0c89724bc914c0668d438.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6860,"char_start":6258,"chunk_id":"chk_08aef3e25e939169","chunk_index":7,"chunk_sha256":"4785763da9bffcfb9515dad4222e8f60f27dd5daebd0c89724bc914c0668d438","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"4785763da9bffcfb9515dad4222e8f60f27dd5daebd0c89724bc914c0668d438","token_estimate":459,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"TITLE-ADD – Subject Address for Report Title .................................................................................................... 18\n\nSUM-HD – Summary Section Title ...................................................................................................................... 18\n\nTAB – Section Title (Black Tab) ........................................................................................................................... 18\n\nTAB-C– Section Title (Black Tab) Continued to Another Page ............................................................................ 19\n"} diff --git a/chunks/json/479533084dbfd1fed1f68f8730f5c9c9d952c6d47b9a1af71106d0afa49cc73c.json b/chunks/json/479533084dbfd1fed1f68f8730f5c9c9d952c6d47b9a1af71106d0afa49cc73c.json new file mode 100644 index 0000000000000000000000000000000000000000..fc24875fe51ba17e3b33405764a3be937bc3e21e --- /dev/null +++ b/chunks/json/479533084dbfd1fed1f68f8730f5c9c9d952c6d47b9a1af71106d0afa49cc73c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1750,"char_start":0,"chunk_id":"chk_1f9ecf4babfce1f0","chunk_index":0,"chunk_sha256":"479533084dbfd1fed1f68f8730f5c9c9d952c6d47b9a1af71106d0afa49cc73c","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d00e720d55e7e2c7","text_sha256":"479533084dbfd1fed1f68f8730f5c9c9d952c6d47b9a1af71106d0afa49cc73c","token_estimate":438,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2025-ucd-release-notes.pdf"]},"text":"Uniform Closing Dataset (UCD) Collection Solution Enhancements\nQuick Guide for UCD Enhancements\n\nThis UCD Collection Solution Enhancements guide provides access to this year’s current and upcoming UCD updates in an easy-to-read, all-in-one document. See the 2024\nUCD Release Notes to review an archive of the enhancements to UCD in 2024.\n\nLooking for Feedback Message updates? Review the ‘Revision History’ tab in the Fannie Mae Feedback Messages for a summary of historical edit message updates.\n\nNovember 13, 2025\n\nOn the Horizon\n\nEffective\nDate\n\nNovember 17\n\nImpacted Area\n\nEdit Message Text\nRevision\n\nDescription\n\nThe edit message text for the following UCD Phase 3 and Phase 4 edits will be enhanced to more clearly identify the specific\ndata point instance, such as the exact fee type, that is triggering the edit. This improvement will help pinpoint the precise\ninstance within the UCD XML file that is causing the issue.\n\nEdits: 3801, 3804, 3805, 3806, 3807, 3808, 3809, 3810, 3811, 3812, 4508, 4515, 4521, 4526, 4529, 4530, 4531, 4532, 4533, 4534,\n4535, 4536, 4537, 4538, 4540, 4568, 4573, 4574, 4583, 4599, 4600, 4617, 4618, 4625\n\nNovember 17\n\nRemoval of Edits\n\nThe following edit will be removed as it is no longer applicable in UCD v2.0 Spec: 3114.\n\n© 2025 Fannie Mae 11.13.25 Page 1 of 2\n\nIn Case You Missed It\n\nEffective\nDate\n\nImpacted Area\n\nDescription\n\nSeptember 29\n\nUCD Collection Solution\n\nThe UCD Collection Solution will be updated to support UCD v2.0 and related edits, including UCD Critical Edits Phase 3B\nPostponed and Phase 4 on September 29, 2025. These edits will have Warning-to-Fatal severity until the UCD mandates.\nSee the UCD page for UCD v2.0 resources and the Fannie Mae Feedback Messages for the list of UCD edits.\n"} diff --git a/chunks/json/479e2dddf7d75dc843078cc6de48c172e33e977c8ddbe8bc5a847526ff1b92f7.json b/chunks/json/479e2dddf7d75dc843078cc6de48c172e33e977c8ddbe8bc5a847526ff1b92f7.json new file mode 100644 index 0000000000000000000000000000000000000000..118d3c6b064f1f21b101d54c41ed8c1d53c764f2 --- /dev/null +++ b/chunks/json/479e2dddf7d75dc843078cc6de48c172e33e977c8ddbe8bc5a847526ff1b92f7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":153992,"char_start":151779,"chunk_id":"chk_5a2ed8abd7779cf6","chunk_index":86,"chunk_sha256":"479e2dddf7d75dc843078cc6de48c172e33e977c8ddbe8bc5a847526ff1b92f7","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"479e2dddf7d75dc843078cc6de48c172e33e977c8ddbe8bc5a847526ff1b92f7","token_estimate":553,"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 appraisal must comply with all other requirements in Subpart B4, Underwriting Property section of the Selling Guide.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 64 of 166\n\nUAD 3.6 Policy\n\nSB4-1.2-05, Requirements for Verifying Completion and Postponed\nImprovements (12/10/2025)\n\nIntroduction\n\nThis topic contains information on requirements for verifying completion of construction and repairs, and requirements for\npostponed improvements, including:\n\n• Overview\n• Completion Report and Completion Alternatives\n• Criteria for Use of the Completion Report and Completion Alternatives\n•\n•\n• Postponed Improvements\n• Requirements for HomeStyle Energy Improvements on Existing Construction\n\nVerification of Completion: New or Proposed Construction\nVerification of Completion: Existing Construction\n\nOverview\n\nGenerally, improvements, alterations, and repairs on the subject property must be complete when the loan is sold to Fannie Mae.\nLenders must obtain evidence of completion and Fannie Mae allows for a variety of methods depending on the type of valuation\nmethod and condition (subject to completion per plans or subject to repair) that must be confirmed.\n\nAdditionally, in some circumstances, Fannie Mae allows a loan to be sold prior to improvements or repairs being completed if the\nlender complies with the requirements related to postponed improvements.\n\nCompletion Report and Completion Alternatives\n\nThe Completion Report confirms that the requirements or conditions in an appraisal report have been met (such as completion of\nconstruction or repairs).\n\nThe appraiser must utilize the Completion Report based on an on-site or virtual inspection of the property. If the appraiser does\nnot perform an on-site inspection, they can use alternative methods to confirm the completion, such as digital photos, site\nvideos, or other technological solutions. All completion documentation must include one or more visually verifiable exhibits. A\nlink to the digital exhibits from within the report is acceptable but must be accessible by Fannie Mae for the life of the loan. These\nexhibits must be unaltered and able to be authenticated using metadata and the geocode for the subject property.\n"} diff --git a/chunks/json/47b11595c71555954d21b44bf788dad8e9b5b99246c563c224eecf1b1fe1ddf1.json b/chunks/json/47b11595c71555954d21b44bf788dad8e9b5b99246c563c224eecf1b1fe1ddf1.json new file mode 100644 index 0000000000000000000000000000000000000000..7d3a70a61e6ae7e04793ba152720e41bd0ce7a16 --- /dev/null +++ b/chunks/json/47b11595c71555954d21b44bf788dad8e9b5b99246c563c224eecf1b1fe1ddf1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9945,"char_start":8336,"chunk_id":"chk_e2ba223760b1c594","chunk_index":5,"chunk_sha256":"47b11595c71555954d21b44bf788dad8e9b5b99246c563c224eecf1b1fe1ddf1","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_893077f9a03ec710","text_sha256":"47b11595c71555954d21b44bf788dad8e9b5b99246c563c224eecf1b1fe1ddf1","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-dictionary.pdf"]},"text":"Federal Housing Finance Agency\n\n6\n\nField Name\n\nShort Description\n\nDefinition\n\nFormat\n\nAllowable\nValues\n\nUAD PUF Version 2.1 Data Dictionary\n\nAppraisal Form\nSection\n\nNotes\n\nDisclosure\nAvoidance\nMethod\ninto which the\nreported value\nfalls. For\nexample, for a\nreported value of\n$117,835,\ndisclosed as\n$115,000\nbecause it is the\nmidpoint\nbetween\n$110,000 and\n$120,000.\n\nupdated_last_15_years Updated Within Last 15\n\nYears Flag\n\nIndicates whether any material\nwork was completed on the\nkitchen or bathrooms of the\nresidence within the last 15\nyears.\n\nCharacter\n\n'1' = Yes\n'2' = No\n'9' = Missing\n\nImprovements\n\nlot_size\n\nLot Size\n\nThe appraiser-reported subject\nproperty site size, calculated in\nacres.\n\nCharacter\n\nBinned into five\ncategories.\n\nSales Comparison\nApproach\n\n'1' = Less than 1/8\nacre\n'2' = 1/8 up to 1/4\nacre\n'3' = 1/4 up to 1/2\nacre\n'4' = 1/2 up to 1\nacre\n'5' = 1+ acre\n'9' = Missing\n\nFederal Housing Finance Agency\n\n7\n\nUAD PUF Version 2.1 Data Dictionary\n\nField Name\n\nShort Description\n\nDefinition\n\nFormat\n\nquality\n\nQuality of Construction\nRating\n\nAppraiser-specified overall\nrating of the subject property's\nconstruction quality of as of the\nappraisal effective date.\n\nCharacter\n\nDisclosure\nAvoidance\nMethod\nCategories Q5\nand Q6 are\nrecoded.\n\nAllowable\nValues\n\n'1' = Q1\n'2' = Q2\n'3' = Q3\n'4' = Q4\n'5' = Q5 and Q6\n'9' = Missing\n\nAppraisal Form\nSection\n\nNotes\n\nSales Comparison\nApproach\n\ncondition\n\nCondition Rating\n\nAppraiser-specified rating of\nthe subject property’s\ncondition rating as of the\nappraisal effective date.\n\nCharacter\n\n‘1’ = C1\n‘2’ = C2\n‘3’ = C3\n‘4’ = C4\n‘5’ = C5 and C6\n‘9’ = Missing\n"} diff --git a/chunks/json/47ba1f484da1541c6150aab4cbbfadadd74b0abcbe62881917b8cd27fe8ace0f.json b/chunks/json/47ba1f484da1541c6150aab4cbbfadadd74b0abcbe62881917b8cd27fe8ace0f.json new file mode 100644 index 0000000000000000000000000000000000000000..ecd6a9d23aee28181fb99caad59c9729be2daf62 --- /dev/null +++ b/chunks/json/47ba1f484da1541c6150aab4cbbfadadd74b0abcbe62881917b8cd27fe8ace0f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":114871,"char_start":113270,"chunk_id":"chk_fb089169fb60abec","chunk_index":47,"chunk_sha256":"47ba1f484da1541c6150aab4cbbfadadd74b0abcbe62881917b8cd27fe8ace0f","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"47ba1f484da1541c6150aab4cbbfadadd74b0abcbe62881917b8cd27fe8ace0f","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"MISMO v3.3.0 Value\n\nNotes\n\n2.1\n\nBorrower\n\n…/PARTY/ADDRESS\nES/ADDRESS\n\nAddressLineText\n\n123 Anywhere\nStreet\n\nAddressType\n\nMailing\n\nNot shown – data\nclarity\n\nAddressUnitDesign\natorType\n\nUnit\n\nAddressUnitIdentifi\ner\n\nC\n\nCityName\n\nAnytown\n\nCountryCode\n\nStateCode\n\nUS\n\nST\n\nPostalCode\n\n12345\n\nNot shown – data\nclarity\n\n2. 2 SELLER (PURCHASE TRANSACTI ON)\n\n1. I NDI VI DUALS\n\nSince the sellers illustrated in Figure 12 are individuals, they are represented on the Closing Disclosure using the\nname data points in Table 23. The value for PartyRoleType does not need to be exactly what is displayed on the\nform if it is equivalent: “PropertySeller” ~ Seller. UCD limits the number of sellers in the XML file to ten. See\nPARTY NAME – INDIVIDUAL in Section V.\n\nEven though the lender may choose to display one address for both Sellers if the sellers share an address, each\ninstance of PARTY must have both name and address information. The following table demonstrates this\nsituation for Steve and Amy.\n\nNote that if the purpose of the transaction is a refinance or home equity loan, then there is no property seller.\nSection 2.2 Seller is not present or remains blank, and no seller-related data is provided in the XML file.\n\nAppendix E: UCD Implementation Guide\n\nPage 41 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n2.0 Transaction Information\n\nTable 23. Seller Information (Multiple Individuals)\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\n\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\nFirst Instance of PARTY for Steve\n\n2.2\n\nSeller\n\n…/PARTY/INDIVIDUA\nL/NAME\n\nFirstName\n\nLastName\n\nSuffixName\n"} diff --git a/chunks/json/47e5e5dd95984b772520304478532c3993f0291dc0114ee8f7fb601d93bad1a2.json b/chunks/json/47e5e5dd95984b772520304478532c3993f0291dc0114ee8f7fb601d93bad1a2.json new file mode 100644 index 0000000000000000000000000000000000000000..04e7fa5abf24c239cc590239a39082541ef6d468 --- /dev/null +++ b/chunks/json/47e5e5dd95984b772520304478532c3993f0291dc0114ee8f7fb601d93bad1a2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5338,"char_start":3722,"chunk_id":"chk_21f4ceebffdae332","chunk_index":2,"chunk_sha256":"47e5e5dd95984b772520304478532c3993f0291dc0114ee8f7fb601d93bad1a2","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_9527361ec65b3f48","text_sha256":"47e5e5dd95984b772520304478532c3993f0291dc0114ee8f7fb601d93bad1a2","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/display (1).pdf"]},"text":"Note: These QM related fields are now used to calculate checks in Loan Delivery against the following business rules: Edits\nC47, C48, C49, C52, C53, C54.\n\nAugust 9, 2021\n\nUCD Critical Edits -\nPhase 2\nImplementation\n\nAs announced on August 11, 2020, Fannie Mae will be transitioning UCD edits from “warning” to a “fatal” severity over the\nnext two years. In preparation for the transition to fatal edits, lenders should review all feedback messages returned by the\nUCD Collection Solution and resolve any issues, particularly those relating to future fatal edits.\n\nThe UCD Closing Solution will be updated for Phase 2 edits. The edits will have a severity of “warning-to-fatal.” Review the\nUCD Edit Feedback Messages – Phase 2 Edits Tab for a listing of the Phase 2 edit updates (total of 35 edits) including:\n\n•\n•\n\n11 existing edits transition from warning to warning-to-fatal\n24 new warning-to-fatal edits\n\nNote: As of August 6, 2020, Fannie Mae introduced a new severity category of “warning-to-fatal.” If you receive an edit with\nthis new category, it means that the edit is a part of the UCD critical edit Phase 2 list of requirements. This does not indicate\na different severity from “warning,” but provides an indication of Phase 2. As we move forward with other phases, this\nseverity will be an indication of one of the remaining phases.\n\n© 2021 Fannie Mae\n\nDecember 2021 Page 2 of 3\n\nEffective\nDate\n\nJuly 31, 2021\n\nImpacted Area Description\n\nUCD Critical Edits -\nPhase 1\nImplementation\n\nThe following Closing Disclosure section edits are now “fatal” in the UCD Production environment:\n\n• Closing Information\n"} diff --git a/chunks/json/47ee5e20ef4e20d398b97a02cb800f1b4f4a79408d7c88aceee18466d8aea5a1.json b/chunks/json/47ee5e20ef4e20d398b97a02cb800f1b4f4a79408d7c88aceee18466d8aea5a1.json new file mode 100644 index 0000000000000000000000000000000000000000..d164dd7841f492c283d5a703e2669d213ff88439 --- /dev/null +++ b/chunks/json/47ee5e20ef4e20d398b97a02cb800f1b4f4a79408d7c88aceee18466d8aea5a1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6483,"char_start":4882,"chunk_id":"chk_5281a5b0df256ffc","chunk_index":3,"chunk_sha256":"47ee5e20ef4e20d398b97a02cb800f1b4f4a79408d7c88aceee18466d8aea5a1","date_utc":"2026-01-27T18:07:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_221a19b69e218256","text_sha256":"47ee5e20ef4e20d398b97a02cb800f1b4f4a79408d7c88aceee18466d8aea5a1","token_estimate":401,"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 3 of 19\nPage 3 of 19\n\nSite (continued)\n\nSite Influence\n\nInfluence\nResidential\n\nProximity\nBordering\n\nDetail\n\nImpact\nNeutral\n\nComment\n\nView and Impact to Value/Marketability\n\nView\nResidential\n\nRange of View\nFull\n\nImpact\nNeutral\n\nSite Features and Impact to Value/Marketability\n\nFeature\nHazard Zone\n\nDetail\nNo Hazard Zone Noted\n\nUtilities and Impact to Value/Marketability\n\nBroadband Internet Available\n\nYes\n\nImpact\n\nComment\n\nPrivate\n\nDetail\n\nPrivate Utility\nImpact\n\nComment\n\nElectricity\n\nGas\n\nSanitary Sewer\n\nWater\n\nPublic\n\n\n\n\n\nApparent Defects, Damages, Deficiencies (Site)\n\nNone\n\nSite Exhibits\n\nProperty Access (Street Scene)\n\nView - Residential\n\nThis is where the Property Access photo would display.\n\nThis is where the View photo would display.\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 4 of 19\nPage 4 of 19\n\nSketch\n\nMeasurement Standard\n\nANSI\n\nSketch\n\nSketch does not represent actual dimensions of pictures, used for example only. A Sketch\nadherent to the ANSI standard must be measured to the nearest inch or tenth of a foot.\n\nDwelling Exterior\n\nSubject Property Units in\nStructure\nDwelling Style\nFront Door Elevation\nYear Built\nConstruction Method\nConverted Area\n\n1\nRanch\nGround Level\n2018\nSite Built\nNone\n\nThis is where the Dwelling Front photo would display.\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n"} diff --git a/chunks/json/47f26faf92b652f0e75d3d2ccc39417b49040256f20d1e7911e64269b3aacaed.json b/chunks/json/47f26faf92b652f0e75d3d2ccc39417b49040256f20d1e7911e64269b3aacaed.json new file mode 100644 index 0000000000000000000000000000000000000000..5761cdea16d777f3d1076229e2c8e8462ae8a2b7 --- /dev/null +++ b/chunks/json/47f26faf92b652f0e75d3d2ccc39417b49040256f20d1e7911e64269b3aacaed.json @@ -0,0 +1 @@ +{"chunk":{"char_end":89352,"char_start":87748,"chunk_id":"chk_c9afa37017a2324b","chunk_index":52,"chunk_sha256":"47f26faf92b652f0e75d3d2ccc39417b49040256f20d1e7911e64269b3aacaed","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"47f26faf92b652f0e75d3d2ccc39417b49040256f20d1e7911e64269b3aacaed","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Comparable Transfer History\n\nPrior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)\n#\n1\n\nTransfer Terms\nNone\n\nData Source\nMLS\n\nAmount\n\nDate\n\n2\n\n3\n\nNone\n\nNone\n\nMLS\n\nMLS\n\nAnalysis of Prior Sale and Transfer History of Comparable Sales None of the comparables utilized in the report have had any additional\ntransfers in the past 12 months.\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 16 of 26\nPage 16 of 26\n\nPG BRK\n\nPG BRK\n\nSales Comparison Approach\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nGeneral Information\n\nProperty Address\n\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\nThis is where\nthe Dwelling Front\nphoto 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 photo\nof 341 Nothing Dr\nwould display.\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nSale Price\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nAttached/Detached\n\nSite\n\nSite Size\n\nMLS XY-324811\n\nMLS XY-123994\n\nMLS XY-238849\n\n3 Miles N\n\n$865,000\n\nSettled Sale\n\n$850,000\n\n4.5 Miles S\n\n$755,000\n\nSettled Sale\n\n$750,000\n\n3.5 Miles E\n\n$795,000\n\nSettled Sale\n\n$780,000\n\nNo\n\n$0\n\nNo\n\n$0\n\nNo\n\n$0\n\n03/26/2023\n\n$10,000\n\n12/22/2022\n\n$30,000\n\n02/25/2023\n"} diff --git a/chunks/json/48018604daa2e5e1d1defc4e8780447987a3839bf24bb260e180439c30922013.json b/chunks/json/48018604daa2e5e1d1defc4e8780447987a3839bf24bb260e180439c30922013.json new file mode 100644 index 0000000000000000000000000000000000000000..568be8fcecd4b7d6348683ee66c9af16bf964c85 --- /dev/null +++ b/chunks/json/48018604daa2e5e1d1defc4e8780447987a3839bf24bb260e180439c30922013.json @@ -0,0 +1 @@ +{"chunk":{"char_end":314044,"char_start":312430,"chunk_id":"chk_5a80d4dd809b8b82","chunk_index":185,"chunk_sha256":"48018604daa2e5e1d1defc4e8780447987a3839bf24bb260e180439c30922013","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"48018604daa2e5e1d1defc4e8780447987a3839bf24bb260e180439c30922013","token_estimate":404,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"10.028 Allowable Work\nSpace\n\nRequired if Live/Work\nSpace is Yes\n\nNumber of square\nfeet\n\nThe space within the residential unit that is allowed to be used for non-\nresidential purposes.\n\nAppendix F-1: URAR Reference Guide\n\nPage 131 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n10 Unit Interior\n\nExample: Live/Work Space\n\nLevel and Room Detail\n\nUnit Interior: Level and Room Detail\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n10.029\n\nLevel in Unit\n\nAlways required for\neach level in the unit\n\nAllowable\nAnswers / Format\n\nLevel 1, Level 2,\nLevel 3 …\nLevel B1, Level B2\n…\n\nDefinition / Additional Guidance\n\nThe specific above grade or below grade level in the living unit, commonly\nreferred to as the “level number”.\nNotes:\n•\n\nLevels are located within the unit and do not refer to the Floor Number\nwithin the building (10.018).\nLevels are named starting at ground level and going up or down.\nIf partially or fully below grade (below grade when ANSI applies), the level\nnumber must start with a B.\n\n•\n•\n\n10.030 Grade Level\n\nDetail\n\nAlways required for\neach level in the unit\n\nChoose an\nallowable answer\nfrom table (Grade\nLevel Type)\n\nGrade Level Type: The level’s grade as it relates to ground level.\n•\n•\n•\n\nAbove Grade\nFully Below Grade\nPartially Below Grade\n\n10.030 Grade Level\n\nDetail\n\n10.030 Grade Level\n\nDetail\n\nRequired for each level\nin the unit if Grade\nLevel Type is Fully\nBelow Grade or\nPartially Below Grade\n\nRequired for each level\nin the unit if Below\nGrade Access is\nInterior and Exterior\nAccess or Exterior\nAccess Only\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n"} diff --git a/chunks/json/48091c9637ee230ae5c8c047e80cbf8ab034022ed45721b64cf29599a31415fe.json b/chunks/json/48091c9637ee230ae5c8c047e80cbf8ab034022ed45721b64cf29599a31415fe.json new file mode 100644 index 0000000000000000000000000000000000000000..dfb6679a2e2a5a075a8d7e81c24f7a64b8f1ea92 --- /dev/null +++ b/chunks/json/48091c9637ee230ae5c8c047e80cbf8ab034022ed45721b64cf29599a31415fe.json @@ -0,0 +1 @@ +{"chunk":{"char_end":200358,"char_start":198738,"chunk_id":"chk_0122ee7de21200f0","chunk_index":99,"chunk_sha256":"48091c9637ee230ae5c8c047e80cbf8ab034022ed45721b64cf29599a31415fe","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"48091c9637ee230ae5c8c047e80cbf8ab034022ed45721b64cf29599a31415fe","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"…/LOAN_DETAIL\n\n…/NEGATIVE_AMO\nRTIZATION_RULE\n\nNegativeAmortizati\nonIndicator\n\nPaymentIncreaseIn\ndicator\n\nNegativeAmortizati\nonLimitMonthsCou\nnt\n\ntrue\n\ntrue\n\n48\n\nNot shown -\nDesignates the end\nof a payment event\n\nd. BALLOON PAYMENT FEATURE\n\nFigure 60 illustrates a loan with a balloon payment due in 7 years. The loan has a 3-2-1 temporary buy down\nsubsidy, with the interest rate increasing each year for three years, and then remaining fixed. There is a final\nballoon payment at the end of year 7. The column heading for a final balloon payment is reflected not as a Year\nRange, but rather as Final Payment. This means that the second and third increases will be grouped together in\nthe third Year Range of 3-7, with the minimum amount reflecting the P&I payment for Year 3, and the maximum\n\nAppendix E: UCD Implementation Guide\n\nPage 89 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n5.0 Projected Payments Table\n\namount reflecting the P&I payment for years 4 – 7. The final payment column is reserved for the balloon\npayment.\n\n5.0 Projected Payments\n\n5.1 Payment Calculation\n\n5.1.1 Year 1\n\n5.1.2 Year 2\n\n5.1.3 Years 3 – 7\n\n5.1.4 Final Payment\n\n5.2 Principal & Interest\n\n5.2.1\n\n5.2.4\n\n5.2.6\n\n$1,251min\n\n5.2.8\n\n5.2.2 $1,007.35\n\n5.2.5 $1,129.61\n\n5.2.7\n\n$1,373max\n\n5.2.9\n\n$149,263\n\n5.2.3\n\nFigure 60. P&I Payment Adjusts - Balloon Feature\n\nTable 77 shows how this data is represented in the XML file. Note that for the final final payment period, the\nvalue of “Other” must be provided for ProjectedPaymentCalculationPeriodTermType and the value\n“FinalPayment” for ProjectedPaymentCalculationPeriodTermTypeOtherDescription.\n"} diff --git a/chunks/json/4814a5b115caa4223e7d0556f61a4829b4dd2b8181ddca81a4acaf43340e1128.json b/chunks/json/4814a5b115caa4223e7d0556f61a4829b4dd2b8181ddca81a4acaf43340e1128.json new file mode 100644 index 0000000000000000000000000000000000000000..ca14e81500e0d3f427e3f773fdf0c28f921a53af --- /dev/null +++ b/chunks/json/4814a5b115caa4223e7d0556f61a4829b4dd2b8181ddca81a4acaf43340e1128.json @@ -0,0 +1 @@ +{"chunk":{"char_end":32389,"char_start":30366,"chunk_id":"chk_58b5553da45e1d89","chunk_index":18,"chunk_sha256":"4814a5b115caa4223e7d0556f61a4829b4dd2b8181ddca81a4acaf43340e1128","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_698a10a0e5f6da7f","text_sha256":"4814a5b115caa4223e7d0556f61a4829b4dd2b8181ddca81a4acaf43340e1128","token_estimate":506,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Hybrid_70H.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 promulgated\nby the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was\nprepared.\n\n5. If this appraisal report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined\nin applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report\ncontaining a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper\nversion of this appraisal report were delivered containing my original hand written signature.\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 (describe) 15 _______________ State # 16 __________\nState 17 ______________________________________________\nExpiration Date of Certification or License 18 _________________\n"} diff --git a/chunks/json/481be88b02b08cb5b05b958a5fc11557178bed8927e5bbaff263b05d33e5c2fd.json b/chunks/json/481be88b02b08cb5b05b958a5fc11557178bed8927e5bbaff263b05d33e5c2fd.json new file mode 100644 index 0000000000000000000000000000000000000000..ba4f8cdffb802c41c981f42991fc506cabe58aae --- /dev/null +++ b/chunks/json/481be88b02b08cb5b05b958a5fc11557178bed8927e5bbaff263b05d33e5c2fd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":58525,"char_start":56198,"chunk_id":"chk_d6e8cee2f781ab74","chunk_index":33,"chunk_sha256":"481be88b02b08cb5b05b958a5fc11557178bed8927e5bbaff263b05d33e5c2fd","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"481be88b02b08cb5b05b958a5fc11557178bed8927e5bbaff263b05d33e5c2fd","token_estimate":582,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"30\n\n1\n\nconstruct_method\n\nConstruction Method\n\n31\n\n1\n\ntract_rural\n\nRural Census Tract\n\n1 = Site-built\n2 = Manufactured home\npark/community\n9 = Not applicable/missing\n1 = Yes\n0 = No\n\n32\n\n1\n\ncounty_lower_\nms_delta\n\nLower Mississippi Delta\nCounty\n\n1 = Yes\n0 = No\n\n33\n\n1\n\ncounty_mid_\nappalachia\n\nMiddle Appalachia\nCounty\n\n1 = Yes\n0 = No\n\nPercentage of units relative to the total units in\nthe property that are income-restricted\npursuant to Federal, State, or local affordable\nhousing programs.\n\nProperty is located in this geographical area\nthat the Duty to Serve regulation (12 CFR\n1282.31-1282.41) identifies for Enterprise\nefforts. The values for this field are supplied\nby FHFA.\nProperty is located in this geographical area\nthat the Duty to Serve regulation (12 CFR\n1282.31-1282.41) identifies for Enterprise\nefforts. The values for this field are supplied\nby FHFA.\nProperty is located in this geographical area\nthat the Duty to Serve regulation (12 CFR\n1282.31-1282.41) identifies for Enterprise\nefforts. The values for this field are supplied\nby FHFA.\n\nMF CTF\n\n43\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nMultifamily Properties\nCensus Tract File\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n34\n\ncounty_persistent_\npoverty\n\nPersistent Poverty County 1 = Yes\n0 = No\n\n35\n\n1\n\narea_concentrated_\npoverty\n\nArea of Concentrated\nPoverty\n\n1 = Yes\n0 = No\n\n36\n\n1\n\narea_high_opp\n\nHigh Opportunity Area\n\n37\n\n1\n\ntract_colonias\n\nColonias Tract\n\n1 = Yes\n0 = No\n\n1 = Yes\n0 = No\n\nProperty is located in this geographical area\nthat the Duty to Serve regulation (12 CFR\n1282.31-1282.41) identifies for Enterprise\nefforts. The values for this field are supplied\nby FHFA.\nProperty is located in this geographical area\nthat the Duty to Serve regulation (12 CFR\n1282.31-1282.41) identifies for Enterprise\nefforts. The values for this field are supplied\nby FHFA.\nProperty is located in this geographical area\nthat the Duty to Serve regulation (12 CFR\n1282.31-1282.41) identifies for Enterprise\nefforts. The values for this field are supplied\nby FHFA.\nProperty is located in this geographical area\nthat the Duty to Serve regulation (12 CFR\n1282.31-1282.41) identifies for Enterprise\nefforts. The values for this field are supplied\nby FHFA.\n"} diff --git a/chunks/json/4821a0bb569d1e210ccd6e2479d96f98b2e71a5ee33c843d432a60641daeb19f.json b/chunks/json/4821a0bb569d1e210ccd6e2479d96f98b2e71a5ee33c843d432a60641daeb19f.json new file mode 100644 index 0000000000000000000000000000000000000000..485ef3d50aee657c560abc9c8306f7d08bc04062 --- /dev/null +++ b/chunks/json/4821a0bb569d1e210ccd6e2479d96f98b2e71a5ee33c843d432a60641daeb19f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":292690,"char_start":291074,"chunk_id":"chk_6ddd328c8454ed32","chunk_index":169,"chunk_sha256":"4821a0bb569d1e210ccd6e2479d96f98b2e71a5ee33c843d432a60641daeb19f","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"4821a0bb569d1e210ccd6e2479d96f98b2e71a5ee33c843d432a60641daeb19f","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Yes\nYes\n\nFinancially Feasible\nMaximally Productive\n\nYes\nYes\n\nYes No\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  \n\nHighest and Best Use Commentary\n\nThe property is outside the city limits and all types of single family development is allowed.\n\nMarket\n\nMarket Area Boundary Bounded on the East by FM - 2222; bounded on the South by County Road 4000; bounded on the West by Lake\nVirginia; bounded on the North by County Road 1000\n\nSearch Criteria Description Search was limited by lot sizes between 25,000 Sq. Ft. and 10 acres. Other limiting factors in the search included\nYear Built (2000+), Double Wide Manufactured Homes, and Water Front.\n\nSearch Result Metrics\n\nActive Listings\n\nMedian Days on Market\nLowest List Price\nMedian List Price\nHighest List Price\n\nPending Sales\n\n10\n60\n$95,000\n$450,000\n$600,000\n4\n\nSales in Past 24 Months\n\nLowest Sale Price\nMedian Sale Price\nHighest Sale Price\n\nDistressed Market Competition\nGraph\nPrice Trend Source\n\n17\n$200,000\n$404,000\n$620,000\nYes\nPrice Trend\nLocal MLS\nAlpine Gazette\n\nPrice Trend Analysis Commentary The Alpine Gazette is a local print media that reports non-MLS home sales and listings. The data includes\ninformation from both sources, which indicate an overall increase in property values.\n\nHousing 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"} diff --git a/chunks/json/4833ce1ac2c6ce90a096ba445eb5eb514b180f97a565eb9360750d41dd2f29cc.json b/chunks/json/4833ce1ac2c6ce90a096ba445eb5eb514b180f97a565eb9360750d41dd2f29cc.json new file mode 100644 index 0000000000000000000000000000000000000000..a62cec642b413f2aa28b10039bee0fec89b9689c --- /dev/null +++ b/chunks/json/4833ce1ac2c6ce90a096ba445eb5eb514b180f97a565eb9360750d41dd2f29cc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12547,"char_start":11242,"chunk_id":"chk_30e58c06b26b74d4","chunk_index":6,"chunk_sha256":"4833ce1ac2c6ce90a096ba445eb5eb514b180f97a565eb9360750d41dd2f29cc","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_19e26ae5e9347dd1","text_sha256":"4833ce1ac2c6ce90a096ba445eb5eb514b180f97a565eb9360750d41dd2f29cc","token_estimate":450,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/William_J__Pulte___FHFA_yvavr.md"]},"text":"[![PDF file icon](/themes/custom/fhfa/images/icons/pdf-file.png) Download Full Bio](/sites/default/files/2025-09/Bio-Director-William-J-Pulte.pdf)\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/4843c0e8ae92f7935a05a5ab0843032c6954d87ee254e3f34b30858228bcef69.json b/chunks/json/4843c0e8ae92f7935a05a5ab0843032c6954d87ee254e3f34b30858228bcef69.json new file mode 100644 index 0000000000000000000000000000000000000000..6827e6c61992a642663fdcb74c3ad884d216b0c4 --- /dev/null +++ b/chunks/json/4843c0e8ae92f7935a05a5ab0843032c6954d87ee254e3f34b30858228bcef69.json @@ -0,0 +1 @@ +{"chunk":{"char_end":30145,"char_start":29350,"chunk_id":"chk_8b4ed3a0d36b6fc3","chunk_index":31,"chunk_sha256":"4843c0e8ae92f7935a05a5ab0843032c6954d87ee254e3f34b30858228bcef69","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"4843c0e8ae92f7935a05a5ab0843032c6954d87ee254e3f34b30858228bcef69","token_estimate":421,"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\nFunctional Obsolescence\n\nFunctional Issues(cid:1)\n\n(cid:20)(cid:20)(cid:17)(cid:19)(cid:19)(cid:19)\n\nFunctional Obsolescence Commentary\n\n(cid:20)(cid:20)(cid:17)(cid:19)(cid:19)(cid:20)\nFunctional Obsolescence Exhibits\n\n(cid:20)(cid:20)(cid:17)(cid:19)(cid:19)(cid:21)(cid:17)(cid:20)(cid:3)(cid:3)(cid:95)(cid:3)(cid:3)(cid:20)(cid:20)(cid:17)(cid:19)(cid:19)(cid:21)(cid:17)(cid:21)\n\nAppraisal Version #\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21)\n\n(cid:38)(cid:65)(cid:78)(cid:78)(cid:73)(cid:69)(cid:0)(cid:45)(cid:65)(cid:69)(cid:0)(cid:92)(cid:0)(cid:38)(cid:82)(cid:69)(cid:68)(cid:68)(cid:73)(cid:69)(cid:0)(cid:45)(cid:65)(cid:67)(cid:0)\n(cid:51)(cid:69)(cid:80)(cid:84)(cid:69)(cid:77)(cid:66)(cid:69)(cid:82)(cid:0)(cid:18)(cid:16)(cid:18)(cid:20)(cid:0)\n"} diff --git a/chunks/json/484dfcfc42ffb7a252584be6a87f883d9f70ab817c9886840a0e6c97e4767755.json b/chunks/json/484dfcfc42ffb7a252584be6a87f883d9f70ab817c9886840a0e6c97e4767755.json new file mode 100644 index 0000000000000000000000000000000000000000..547f7e2662dc1f2e6b1dea2687f93333679aac5b --- /dev/null +++ b/chunks/json/484dfcfc42ffb7a252584be6a87f883d9f70ab817c9886840a0e6c97e4767755.json @@ -0,0 +1 @@ +{"chunk":{"char_end":126505,"char_start":124887,"chunk_id":"chk_fdd7f23ef6ed9804","chunk_index":54,"chunk_sha256":"484dfcfc42ffb7a252584be6a87f883d9f70ab817c9886840a0e6c97e4767755","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"484dfcfc42ffb7a252584be6a87f883d9f70ab817c9886840a0e6c97e4767755","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"2. PURCHASE\n\nThe Purpose of the loan is “Purchase” when the borrower intends to use the proceeds to buy the property\ndescribed in 1.6 and 17.6:\n\n3.0 Loan Information\n\n3.1Loan Term 30 Years\n\n3.2 Purpose Purchase\n\n3.3 Product\n\nFixed Rate\n\nFigure 18. Purpose = “Purchase”\n\n6 3.2 Purpose = “Purchase” when the loan is used to both purchase land and build a structure on that land.\n7 3.2 Purpose = “Construction Loan” If the land upon which the structure will be built is not being acquired with the same\nloan.\n\nAppendix E: UCD Implementation Guide\n\nPage 49 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n3.0 Loan Information\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\nTable 32. Purpose = “Purchase”\n\n3.2\n\nPurpose\n\nUID\n16.015\n\nUID\n3.016\n\nN/A – GSE\n\nN/A – GSE\n\n…/DOCUMENT_SPEC\nIFIC_DATA_SET/INTE\nGRATED_DISCLOSUR\nE/INTEGRATED_DISC\nLOSURE_DETAIL\n\nIntegratedDisclosure\nHomeEquityLoanIndi\ncator\n\nfalse\n\n…/LOAN/LOAN_DET\nAIL\n\nConstructionLoanInd\nicator\n\nfalse\n\n…/LOAN_DETAIL/EXT\nENSION/OTHER\n\ngse:SubordinateFina\nncingIsNewIndicator\n\nfalse\n\n…/LOAN/TERMS_OF\n_LOAN\n\nLienPriorityType\n\nFirstLien\n\n3.2\n\nPurpose\n\nLoanPurposeType\n\nPurchase\n\nNot shown – data\nclarity\n\nNot shown – data\nclarity\n\nNot shown – data\nclarity\n\nNot shown – data\nclarity\n\n3. REFI NANCE\n\nThe Purpose of the loan is “Refinance” when the borrower pays off an existing obligation already secured by the\nborrower’s dwelling and secures a new loan to change the rate, term, or other loan features. The borrower may\nor may not receive cash from the transaction.\n\n3.0 Loan Information\n\n3.1 Loan Term 30 Years\n"} diff --git a/chunks/json/4850c18a58e0f592c35f05e12f5f578d93741408d52daf20370f434971ba616f.json b/chunks/json/4850c18a58e0f592c35f05e12f5f578d93741408d52daf20370f434971ba616f.json new file mode 100644 index 0000000000000000000000000000000000000000..cee330d50c4b2cb6133c68ca29ecdb9b490f8314 --- /dev/null +++ b/chunks/json/4850c18a58e0f592c35f05e12f5f578d93741408d52daf20370f434971ba616f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":44238,"char_start":43953,"chunk_id":"chk_ca9649c46d86dbcf","chunk_index":25,"chunk_sha256":"4850c18a58e0f592c35f05e12f5f578d93741408d52daf20370f434971ba616f","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8d14ca1837b76af4","text_sha256":"4850c18a58e0f592c35f05e12f5f578d93741408d52daf20370f434971ba616f","token_estimate":71,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Coop1_Appraisal/_.pdf/Coop1_Appraisal_v1.3.pdf","below_target_min_tokens"]},"text":"Signature\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 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024\n"} diff --git a/chunks/json/486299ef2db3fc0d1706c04f2d40d156d6498787039c0b0c91e856db5e6bb60a.json b/chunks/json/486299ef2db3fc0d1706c04f2d40d156d6498787039c0b0c91e856db5e6bb60a.json new file mode 100644 index 0000000000000000000000000000000000000000..8a0484c79e1fe6cb626a97e1355c735258104575 --- /dev/null +++ b/chunks/json/486299ef2db3fc0d1706c04f2d40d156d6498787039c0b0c91e856db5e6bb60a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":399303,"char_start":397605,"chunk_id":"chk_a5f31677926188d9","chunk_index":315,"chunk_sha256":"486299ef2db3fc0d1706c04f2d40d156d6498787039c0b0c91e856db5e6bb60a","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"486299ef2db3fc0d1706c04f2d40d156d6498787039c0b0c91e856db5e6bb60a","token_estimate":424,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Example 1: One Subject Unit with 4 Rental Comparables (Figure 23 - 3)\n\nIf there is one subject unit in Rental Information with 3 rental comparable units:\n\n• Display the subject unit and the 4 rental comparable units in a single grid.\n• Display Comp #s in numerical order.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 23 - 3\n\nPage 309\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nExample: Multiple Subject Units, each with 3 Rental Comparables (Figure 23 - 4)\n\nIf there are multiple subject units in Rental Information, each with 3 rental comparables:\n\n• Display 2 grids (2 subject units and their rental comparable units) going across the page. (Figure 23 - 4)\n\n▪ Display additional grids (additional subject property units and their rental comparable units) underneath.\n▪ Display applicable Comp #s for each subject property units in numerical order.\n\nFigure 23 - 4\n\nPage 310\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 311\n\nUnits with more than 3 Rental Comparables (Figure 23 - 5)\n\nIf any unit in Rental Information has between 4 and 7 rental comparables:\n\n• Display each subject property unit and its comparable units in a single grid.\n•\n• Display applicable Comp #s for each subject property unit in numerical order.\n\nIf there are multiple units in Rental Information, display the next subject unit’s grid underneath.\n\nExample:\n\n• Comp #s used in this example are the PropertyOrdinalNumber (UID: 2000.0078, FID: 23.02.02, 23.03.24) from the Comparable\n\nRental Properties subsection.\n\n• 2 subject units in Rental Information, each with the maximum of 7 rental comparables.\n• There are 9 rental comparables overall, 7 compared to each subject property unit. (Figure 23 - 4)\n"} diff --git a/chunks/json/48639664941bd8c89de4a9483fae3e28f500d44cd31dabdbd7a10579eca0e507.json b/chunks/json/48639664941bd8c89de4a9483fae3e28f500d44cd31dabdbd7a10579eca0e507.json new file mode 100644 index 0000000000000000000000000000000000000000..6a9efae8d218d2e52f8f3e89e072d707159fe4e2 --- /dev/null +++ b/chunks/json/48639664941bd8c89de4a9483fae3e28f500d44cd31dabdbd7a10579eca0e507.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1730,"char_start":0,"chunk_id":"chk_115b37af0f0f2031","chunk_index":0,"chunk_sha256":"48639664941bd8c89de4a9483fae3e28f500d44cd31dabdbd7a10579eca0e507","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e850234b5f802a10","text_sha256":"48639664941bd8c89de4a9483fae3e28f500d44cd31dabdbd7a10579eca0e507","token_estimate":527,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fraud_Prevention___FHFA_zbisx.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/programs/fraud-prevention\"\ndate_accessed: \"2026-01-27T17:47:50.322Z\"\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/486a98f6d988640f8f75c587b73c3190e6b929135b9c2453423ce5224f533cc9.json b/chunks/json/486a98f6d988640f8f75c587b73c3190e6b929135b9c2453423ce5224f533cc9.json new file mode 100644 index 0000000000000000000000000000000000000000..b268de47f869ee045f9fa2b00e5e3c2ed8b00ab9 --- /dev/null +++ b/chunks/json/486a98f6d988640f8f75c587b73c3190e6b929135b9c2453423ce5224f533cc9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":39952,"char_start":38324,"chunk_id":"chk_4caf2c3a7c0a1c12","chunk_index":19,"chunk_sha256":"486a98f6d988640f8f75c587b73c3190e6b929135b9c2453423ce5224f533cc9","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"486a98f6d988640f8f75c587b73c3190e6b929135b9c2453423ce5224f533cc9","token_estimate":407,"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 11 of 76\n\nSection III. Using the MISMO v3.0 Logical Data Dictionary\n\nExample III-4. Other / OtherDescription.\n\n\n\nIn the case of data points like AutomatedUnderwritingSystemType and\nAVMModelNameType, the “OtherDescription” field could be used if a new\nAUS or AVM becomes available that did not exist when the standard was\npublished:\nAutomatedUnderwritingSystemType = “Other”\nAutomatedUnderwritingSystemTypeOtherDescription = “NewAUS”\nDefinition: A free form text field used to collect additional information\n\nwhen Other is selected for Automated Underwriting\nSystem Type.\n\nAVMModelNameType = “Other”\nAVMModelNameTypeOtherDescription = “NewAVM”\n\nDefinition: The name of the AVM model used to calculate the\n\nvaluation of the subject property when Other is selected\nfrom the enumerated list.\n\n Similarly, the MICompanyNameTypeOtherDescription data point would\nbe needed if a business partner needs to identify new or specialized\nmortgage insurance (MI) companies:\nMICompanyNameType = “Other”\nMICompanyNameTypeOtherDescription = “NewMICompany”\nDefinition: A free-form text field used to capture the mortgage\n\ninsurance company name if Other is selected as the\nmortgage insurance company name.\n\n The most common situation will be that the list of MISMO standard\nenumerations does not include a valid value needed by a business\npartner’s process:\nCounselingConfirmationType = “Other”\nCounselingConfirmationTypeOtherDescription =\n“ProprietaryCounselingConfirmationTypeValue”\n"} diff --git a/chunks/json/4872b47ed2fd3b54520318acb8dfd6cb927b90c770904afaa45601b9f5ac2fb0.json b/chunks/json/4872b47ed2fd3b54520318acb8dfd6cb927b90c770904afaa45601b9f5ac2fb0.json new file mode 100644 index 0000000000000000000000000000000000000000..273447366f8cdb5078960ae15ab133f70c02cad8 --- /dev/null +++ b/chunks/json/4872b47ed2fd3b54520318acb8dfd6cb927b90c770904afaa45601b9f5ac2fb0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11332,"char_start":9706,"chunk_id":"chk_2e161921d3434f71","chunk_index":6,"chunk_sha256":"4872b47ed2fd3b54520318acb8dfd6cb927b90c770904afaa45601b9f5ac2fb0","date_utc":"2026-01-27T18:07:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_221a19b69e218256","text_sha256":"4872b47ed2fd3b54520318acb8dfd6cb927b90c770904afaa45601b9f5ac2fb0","token_estimate":407,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/_.pdf/SF5A_Appraisal_v1.1.pdf"]},"text":"This is where the 3rd Bedroom photo would display.\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 7 of 19\nPage 7 of 19\n\nUnit Interior (continued)\n\nLevel 1 - Dining Room\n\nLevel 1 - Living Room\n\nThis is where the Dining Room photo would display.\n\nThis is where the Living Room photo would display.\n\nFunctional Obsolescence\n\nFunctional Issues\n\nNone\n\nVehicle Storage\n\nStorage\nDriveway\n\nNumber of Parking Spaces\n3\n\nDetail\nConcrete\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\nNone\n\nVehicle Storage Exhibits\n\nDriveway\n\nThis is where the Driveway photo would display.\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 8 of 19\nPage 8 of 19\n\nSubject Property Amenities\n\nAmenity Category\nOutdoor Living\n\nSubject Property Amenity\nDeck\n\nMaterial\nWood\n\nDetail\n168 Sq. Ft.\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities)\n\nNone\n\nSubject Property Amenities Exhibits\n\nDeck\n\nThis is where the Deck photo would display.\n\nOverall Quality and Condition\n\nOverall Quality\n\nExterior Quality\nInterior Quality\n\nQ4\nQ4\nQ4\n\nOverall Condition\n\nExterior Condition\nInterior Condition\n\nC3\nC3\nC3\n\nReconciliation of Overall Quality and Condition\n\nThe property has been well maintained and shows little sign of wear and tear.\n\nHighest and Best Use\n\nIs the present use of the subject property …\n\nLegally Permissible\nPhysically Possible\n\nYes\nYes\n\nFinancially Feasible\nMaximally Productive\n"} diff --git a/chunks/json/487b911330713e9c76a43be851a93e57c581dddd3f42e891983658df9bef767a.json b/chunks/json/487b911330713e9c76a43be851a93e57c581dddd3f42e891983658df9bef767a.json new file mode 100644 index 0000000000000000000000000000000000000000..8f7ad1c1ec54c6c8ca08f0ff366f98955e4ecc3d --- /dev/null +++ b/chunks/json/487b911330713e9c76a43be851a93e57c581dddd3f42e891983658df9bef767a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1705,"char_start":0,"chunk_id":"chk_d07e978e6cb1027c","chunk_index":0,"chunk_sha256":"487b911330713e9c76a43be851a93e57c581dddd3f42e891983658df9bef767a","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f21d657ca3bf989c","text_sha256":"487b911330713e9c76a43be851a93e57c581dddd3f42e891983658df9bef767a","token_estimate":522,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Home___FHFA_1lnpub.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/\"\ndate_accessed: \"2026-01-27T18:10:30.844Z\"\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/48892ecdc5e35970ad6dd289dbc891f2e978ad41c248a4c188ec003cd261dd6b.json b/chunks/json/48892ecdc5e35970ad6dd289dbc891f2e978ad41c248a4c188ec003cd261dd6b.json new file mode 100644 index 0000000000000000000000000000000000000000..a363bfd6aba2ef5410a3dff824f1d6cd43b231f0 --- /dev/null +++ b/chunks/json/48892ecdc5e35970ad6dd289dbc891f2e978ad41c248a4c188ec003cd261dd6b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":456364,"char_start":454281,"chunk_id":"chk_64779d903ee1382c","chunk_index":349,"chunk_sha256":"48892ecdc5e35970ad6dd289dbc891f2e978ad41c248a4c188ec003cd261dd6b","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"48892ecdc5e35970ad6dd289dbc891f2e978ad41c248a4c188ec003cd261dd6b","token_estimate":521,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n29 Certifications and Scope of Work\n\nPage 362\n\nThe Certifications and Scope of Work sections always display on the PDF. They will not be delivered in the XML unless there is a datapoint\nthat provides space for commentary (e.g., Additional Scope of Work, Additional Intended User, Description of Prior Services, etc.).\n\nScope of Work\n\nThe Scope of Work subsection always displays.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nReport\nField ID\n\n29.000\n\nScope of Work Text\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of assumptions\nand limiting conditions, and certifications. Modifications, additions or deletions to the definition of market value or assumptions and limiting\nconditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the\ncomplexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User and the certifications are also not permitted.\nHowever, additional Intended Use, Intended User, and certifications that do not constitute material alterations to this appraisal report, such as\nthose required by law or those related to the appraiser’s continuing education or membership in an appraisal organization, are permitted.\n\nScope of Work\n\n29.001\n\nThe scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users, the\nintended 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/488f7b7f9d26092d50c362dadfbf31c2f0f6bfd98f1b3a8075259480cfb0508b.json b/chunks/json/488f7b7f9d26092d50c362dadfbf31c2f0f6bfd98f1b3a8075259480cfb0508b.json new file mode 100644 index 0000000000000000000000000000000000000000..34e1b02173b210a301b5582804eb81b4d15fbd13 --- /dev/null +++ b/chunks/json/488f7b7f9d26092d50c362dadfbf31c2f0f6bfd98f1b3a8075259480cfb0508b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":308589,"char_start":306975,"chunk_id":"chk_61e981b4408610b0","chunk_index":166,"chunk_sha256":"488f7b7f9d26092d50c362dadfbf31c2f0f6bfd98f1b3a8075259480cfb0508b","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"488f7b7f9d26092d50c362dadfbf31c2f0f6bfd98f1b3a8075259480cfb0508b","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"8.17 N/A\n\nN/A - GSE\n\nUID\n8.186\n\n8.17.1 Home Inspection\n\nFee to _____\n\nUniform Closing Dataset\n\n8.0 Other Costs Table\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\nTable 100. Other Line Items\n\n8.17\n\nHome Warranty\nFee\n\n8.17 N/A – XML\n\n8.17 N/A\n\nN/A - GSE\n\nUID\n8.186\n\n8.17.1 Home Warranty\n\nFee to ____\n\n…/FEE/FEE_PAID_T\nO/LEGAL_ENTITY/L\nEGAL_ENTITY_DETA\nIL\n\n@gse:DisplayLabelT\next\n\nHome Warranty\nFee\n\nROF as “Home\nWarranty Fee”\n\nIntegratedDisclosur\neSectionType\n\nOtherCosts\n\nOptionalCostIndicat\nor\n\nfalse\n\nRegulationZPointsA\nndFeesIndicator\n\ntrue\n\nFullName\n\nEngineers, Inc.\n\nNot shown unless =\n“true”\n\nNot Shown –\nATR/QM\n\nPayee company\nname\n\n8.17.2 Seller-Paid Before\nClosing ($)\n\n…/FEE/FEE_PAYME\nNTS/FEE_PAYMENT\n\nFeeActualPayment\nAmount\n\n750.00\n\nROF as “$750.00”\n\n8.17.2 Seller-Paid\n\n8.17.2 Before Closing\n\nFeePaymentPaidBy\nType\n\nSeller\n\nFeePaymentPaidOu\ntsideOfClosingIndic\nator\n\ntrue\n\nFourth Instance of FEE\n\nROF as “Seller-\nPaid”\n\nROF as “Before\nClosing”\n\nN/A - GSE\n\n…/FEE/FEE_DETAIL\n\nFeePaidToType\n\nThirdPartyProvider Not shown –\n\nUID\n8.180\n\n8.17 Mold Inspection\n\n8.17 N/A – XML\n\n8.17 N/A\n\nN/A - GSE\n\nUID\n8.186\n\n8.17.1 Mold Inspection to\n\n_____\n\n…/FEE/FEE_PAID_T\nO/LEGAL_ENTITY/L\nEGAL_ENTITY_DETA\nIL\n\nFeeType\n\nMoldInspection\n\n@gse:DisplayLabelT\next\n\nIntegratedDisclosur\neSectionType\n\nMold Inspection\n\nOtherCosts\n\nOptionalCostIndicat\nor\n\nfalse\n\nRegulationZPointsA\nndFeesIndicator\n\ntrue\n\nFullName\n\nInspector, Inc.\n\nATR/QM\n\nROF as “Mold\nInspection”\n\nNot shown unless =\n“true”\n\nNot Shown –\nATR/QM\n\nPayee company\nname\n\n8.17.2 Paid by Others At\nClosing ($)\n"} diff --git a/chunks/json/4895253975c9fa5f90d54307dc82f2228f5d119367645863888291382b3dcc12.json b/chunks/json/4895253975c9fa5f90d54307dc82f2228f5d119367645863888291382b3dcc12.json new file mode 100644 index 0000000000000000000000000000000000000000..acb0c7c93e03eae0abdd1149511f4822c177e065 --- /dev/null +++ b/chunks/json/4895253975c9fa5f90d54307dc82f2228f5d119367645863888291382b3dcc12.json @@ -0,0 +1 @@ +{"chunk":{"char_end":71251,"char_start":69734,"chunk_id":"chk_699412aa602d328b","chunk_index":87,"chunk_sha256":"4895253975c9fa5f90d54307dc82f2228f5d119367645863888291382b3dcc12","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"4895253975c9fa5f90d54307dc82f2228f5d119367645863888291382b3dcc12","token_estimate":411,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Right-hand side of page\n\n•\n\n•\n\n•\n\n“Credentials” sets as TX-B.\n\n“Level,” “ID,” “State,” “Expires” set as TXR-I, TXR.\n\n“ASC Identifier,” “VA Appraiser ID,” “FHA Appraiser ID,” “Employment Type” set as TXR-B,\nTXR.\n\nSignificant Real Property Appraisal Assistance (H2)\n\nLeft-hand side of page\n\n•\n\n“Name” sets as TXR-I, TXR.\n\nRight-hand side of page\n\n•\n\n•\n\n“Credentials” sets as TX-B.\n\n“Level,” “ID,” “State,” “Expires” set as TXR-I, TXR.\n\nFull page width\n\n•\n\n“Description” sets as TXC-B bold run into TXC x 45 picas.\n\nAppendix E: Report Style Guide\n\nPage 35 of 90\n\nVersion 1.4\n\nProperty Data Report (H2)\n\nLeft-hand side of page\n\n•\n\n•\n\n•\n\n“Name,” “Occupation,” “Company Name,” “Company Address,” “Reference ID,” set as TXR-I,\nTXR.\n\n“Subject Property Inspection,” sets as TXR-I.\n\n“Exterior,” “Interior,” “Inspection Date” set as TXR-II, TXR.\n\nAssignment Information and Scope of Work Commentary (H1)\n\nSet Commentary as TXC x 45 picas.\n\nAssignment Information Exhibits (H1)\n\nSubsection does not display if there are no exhibits.\n\n“Subject Property” sets as TAB.\n\nLeft-hand side of page\n\n•\n\n•\n\n“Physical Address,” “Alternate Physical Address,” “County,” Neighborhood Name,” set as\nTXR-B, TXR\n\n“Yes” “No” (Y/N) followed by “Planned Unit Development (PUD),” “Condominium,”\n“Cooperative,” “Condop,” “Property on Native American Lands,” “Subject Site Owned in\nCommon,” “Homeowner Responsible for all Exterior Maintenance of Dwelling(s),” “New\nConstruction” set as CK1 with checkboxes.\n\n•\n\n“Construction Stage” sets as TXR-B, TXR.\n"} diff --git a/chunks/json/489e83653aeb09bbfed677e177d3382dee007e6bdfd5319fff55f2f7337910ba.json b/chunks/json/489e83653aeb09bbfed677e177d3382dee007e6bdfd5319fff55f2f7337910ba.json new file mode 100644 index 0000000000000000000000000000000000000000..16e3b632da35ac973a45dbb363277f7605c57b69 --- /dev/null +++ b/chunks/json/489e83653aeb09bbfed677e177d3382dee007e6bdfd5319fff55f2f7337910ba.json @@ -0,0 +1 @@ +{"chunk":{"char_end":311023,"char_start":309305,"chunk_id":"chk_8ae317d75d031a42","chunk_index":171,"chunk_sha256":"489e83653aeb09bbfed677e177d3382dee007e6bdfd5319fff55f2f7337910ba","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"489e83653aeb09bbfed677e177d3382dee007e6bdfd5319fff55f2f7337910ba","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":"Lender Requirements\n\nFannie Mae requires the lender to disclose any apparent environmental conditions to the appraiser and note in the individual\nloan file accordingly if the real estate agent, the property seller, the property purchaser, or any other party to the loan transaction\ninforms the lender that an environmental condition exists in or on the property, or in the vicinity of the property. Fannie Mae also\nrequires the lender to disclose such information to the borrower, and to comply with any state or local environmental laws\nregarding disclosure.\n\nThe lender must make the final decision about the need for inspections and the adequacy of the property as security for the loan.\nFor example, because Fannie Mae requires the appraiser to comment on the effect of an environmental condition on the value\nand marketability of the subject property, the appraiser would have to note when there is market resistance to an area because of\nan environmental condition or any other conditions that affect the well, septic, or public water facilities. When the lender has\nreason to believe the private well water on or available to a property might be contaminated as a result of the proximity of the\nwell to a hazardous waste site, the lender is exercising sound judgment if it obtains a “well certification” to determine whether\nthe water meets community standards.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 118 of 166\n\nUAD 3.6 Policy\n\nSB4-1.4-09, Special Assessment or Community Facilities Districts Appraisal\nRequirements (06/04/2025)\n\nIntroduction\n\nThis topic contains information on special appraisal considerations for properties in special assessment or community facilities\ndistricts, including:\n"} diff --git a/chunks/json/48c5bf6043a43dc4c4c96f613b8f27bf036bc0feea3e9e274222d1984e257617.json b/chunks/json/48c5bf6043a43dc4c4c96f613b8f27bf036bc0feea3e9e274222d1984e257617.json new file mode 100644 index 0000000000000000000000000000000000000000..6f96b71d15863caba160c229042a8fd8f165dfa7 --- /dev/null +++ b/chunks/json/48c5bf6043a43dc4c4c96f613b8f27bf036bc0feea3e9e274222d1984e257617.json @@ -0,0 +1 @@ +{"chunk":{"char_end":297172,"char_start":295564,"chunk_id":"chk_c76cf9c826ed5f79","chunk_index":255,"chunk_sha256":"48c5bf6043a43dc4c4c96f613b8f27bf036bc0feea3e9e274222d1984e257617","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"48c5bf6043a43dc4c4c96f613b8f27bf036bc0feea3e9e274222d1984e257617","token_estimate":402,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"14.004\n\nDetail\n\n0200.0025\n0200.0019\n\nAmenityAreaMeasure\no Display the area and unit of measure in the same cell.\nAmenityAttachedToManufacturedHomeIndic\n-\nator\n\nIf (Construction Method Type = \"Manufactured Home\") OR (Outbuilding Type = “Manufactured\nHome”)\n\n-\n\nAmenityCategoryType = “OutdoorLiving” AND AmenityType = “Balcony” OR “Deck” OR “Gazebo” OR\n“Patio” OR “Porch”\n\n14.004\n\nDetail\n\n0200.0012\n\nSwimmingPoolFeatureType\n\no When “true”, display on 2nd line in cell, \"Attached to Manufactured Home\"\no When “false”, display on 2nd line in cell, \"Not Attached to Manufactured Home\"\n\nIF AmenityType = \"IngroundPool\" OR “IngroundSpa” OR “Sauna” AND Detail is provided.\nNote: When there are multiple features, separate with “|” (e.g., Heated | Caged) (Figure 14 - 5)\n\nNote: AmenityCount is required for IndoorFireplace or WoodStove. It may not be used for Balcony, Deck,\n\nGazebo, IngroundPool, IngroundSpa, Patio, Porch, Portico, Sauna or None. For all other amenity\ntypes, AmenityCount may be used.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 14 - 4\n\nPage 225\n\nFigure 14 - 5\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities)\n\nAny significant adverse issue(s) pertaining to the subject amenities displays in Apparent Defects, Damages, Deficiencies (Subject Property\nAmenities).\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nThe defects, damages, and deficiencies in the amenities section uses an arcrole relationship to join the DEFECT to the applicable instance of\nAMENITY (with relevant AmenityCategoryType). (See Subject Property Amenities – Arcrole Relationships for details.)\n"} diff --git a/chunks/json/48cc4fc8770a647cf2df58a440425d52dee395059ad00252dab60a31964d064a.json b/chunks/json/48cc4fc8770a647cf2df58a440425d52dee395059ad00252dab60a31964d064a.json new file mode 100644 index 0000000000000000000000000000000000000000..7b6b8d528c4d70a9445b0cc638728d8796f61da7 --- /dev/null +++ b/chunks/json/48cc4fc8770a647cf2df58a440425d52dee395059ad00252dab60a31964d064a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1264221,"char_start":1261556,"chunk_id":"chk_63f7057799b7ba91","chunk_index":749,"chunk_sha256":"48cc4fc8770a647cf2df58a440425d52dee395059ad00252dab60a31964d064a","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"48cc4fc8770a647cf2df58a440425d52dee395059ad00252dab60a31964d064a","token_estimate":667,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/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\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 207 of 211\n\nDocument Version 1.4\n\nIf field 3-42 (Project Developer Controls Project\nManagement Indicator = 'Y') and one of fields 1-\n132, 1-133 (Attachment Type = 'Attached' or\n'SemiDetached') are indicated then one and only\none of fields 3-56, 3-57 (values of Project\nContains Multiple Dwelling Units Indicator)\nshould be indicated.\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 both field 3-42 (Project Developer Controls\nProject Management Indicator = 'Y') and one of\nfields 1-132, 1-133 (Attachment Type =\n'Attached' or 'SemiDetached') are indicated then\none and only one of fields 3-59, 3-60 (values of\nProject Common Elements Completed\nIndicator) should be indicated.\nIf both field 3-42 (Project Developer Controls\nProject Management Indicator = 'Y') and one of\nfields 1-132, 1-133 (Attachment Type =\n'Attached' or 'SemiDetached') are indicated then\none and only one of fields 3-59, 3-60 (values of\nProject Common Elements Completed\nIndicator) should be indicated.\nThis field should be populated if field 3-60\n(Project Common Elements Completed\nIndicator = 'N') is indicated.\nIf both field 3-42 (Project Developer Controls\nProject Management Indicator = 'Y') and one of\nfields 1-132, 1-133 (Attachment Type =\n'Attached' or 'SemiDetached') are indicated then\none and only one of fields 3-62, 3-63 (values of\nProject Common Elements Leased Indicator)\nshould be indicated.\nIf both field 3-42 (Project Developer Controls\nProject Management Indicator = 'Y') and one of\nfields 1-132, 1-133 (Attachment Type =\n'Attached' or 'SemiDetached') are indicated then\none and only one of fields 3-62, 3-63 (values of\nProject Common Elements Leased Indicator)\nshould be indicated.\nThis field should be populated if field 3-62\n(Project Common Elements Leased Indicator =\n'Y') is indicated. This is a free text field which\nshould describe the rental terms and options.\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.\n"} diff --git a/chunks/json/48ceee53951cf9e9a97f6207b43e5678469b98c41dccaa1f02560ce67baca5bb.json b/chunks/json/48ceee53951cf9e9a97f6207b43e5678469b98c41dccaa1f02560ce67baca5bb.json new file mode 100644 index 0000000000000000000000000000000000000000..25055ac197dfdac1bfdbf1f7055632eff583062a --- /dev/null +++ b/chunks/json/48ceee53951cf9e9a97f6207b43e5678469b98c41dccaa1f02560ce67baca5bb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3336,"char_start":1710,"chunk_id":"chk_a801ae522fe3f5e5","chunk_index":1,"chunk_sha256":"48ceee53951cf9e9a97f6207b43e5678469b98c41dccaa1f02560ce67baca5bb","date_utc":"2026-01-27T18:10:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_46b708b5eb80d6e1","text_sha256":"48ceee53951cf9e9a97f6207b43e5678469b98c41dccaa1f02560ce67baca5bb","token_estimate":407,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2017.pdf"]},"text":"Number of Borrowers\nFirst Time Home Buyer\n1=yes;\n2=no\n\nPage 1 of 5\n\nColumn\n\n29 CICA\n\n30 BoRace\n\n31 CoRace\n\n32 BoSex\n\n33 CoSex\n\n34 BoAge\n\n35 CoAge\n\n36 Occup\n\n37 NumUnits\n38 Bed1\n\n39 Bed2\n\n40 Bed3\n\n41 Bed4\n\n42 Aff1\n\n43 Aff2\n\n44 Aff3\n\nAMA_PUDB_definitions_2016\n\nDefinition\nCode indicating whether the mortgage is on a project funded under an AHP, CIP or other\nCICA program.\n1=AHP;\n2=CIP;\n3=Other CICA\n9=Not Applicable; Not Purchased under AHP, CIP, or CICA\n\nBorrower Race or National Origin\n1=American Indian or Alaskan Native;\n2=Asian;\n3=Black or African American;\n4=Native Hawaiian or Other Pacific Islander;\n5=White;\n7=Information not provided by applicant in mail or telephone application\n\nCo-borrower Race or National Origin\n1=American Indian or Alaskan Native;\n2=Asian;\n3=Black or African American;\n4=Native Hawaiian or Other Pacific Islander;\n5=White;\n7=Information not provided by applicant in mail or telephone application;\n8=No Co-Borrower\n\nBorrower Sex\n1=Male;\n2=Female;\n3=Information not provided by applicant in mail or telephone application\n\nCo-Borrower Sex\n1=Male;\n2=Female;\n3=Information not provided by applicant in mail or telephone application;\n4=No Co-Borrower\n\nAge of Borrower in years\n99=Not provided by applicant in mail or telephone application\n\nAge of Co-Borrower in years\n98=No Co-Borrower;\n99=Not provided by applicant in mail or telephone application\n\nOccupancy Code\n1=Principal residence/owner-occupied;\n2=second home;\n3=investment property (rental)\n\nNumber of Units\nUnit1--Number of Bedrooms\n98=no non-owner-occupied dwelling units\n\nUnit2--Number of Bedrooms\n98=no non-owner-occupied dwelling units\n"} diff --git a/chunks/json/48d31a06a03ca9d52ea291c797adf2774bb8b9b885c4d99466860533d819458b.json b/chunks/json/48d31a06a03ca9d52ea291c797adf2774bb8b9b885c4d99466860533d819458b.json new file mode 100644 index 0000000000000000000000000000000000000000..8ef54e5ccfbacd95d356f0b71090dc3ca68897da --- /dev/null +++ b/chunks/json/48d31a06a03ca9d52ea291c797adf2774bb8b9b885c4d99466860533d819458b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":195185,"char_start":193550,"chunk_id":"chk_6bf214ddd8493f9b","chunk_index":194,"chunk_sha256":"48d31a06a03ca9d52ea291c797adf2774bb8b9b885c4d99466860533d819458b","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"48d31a06a03ca9d52ea291c797adf2774bb8b9b885c4d99466860533d819458b","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\nPage 134\n\nThe Apparent Defects, Damages, Deficiencies (Site) subsection header always displays.\n\n• When SiteDefectsExistIndicator (UID: 1500.0178, FID: 4.099) = “false”, “None” displays in the section.\n• When SiteDefectsExistIndicator (UID: 1500.0178, FID: 4.099) = “true”, “The items listed below represent the As Is condition as\n\nof the effective date of this report” displays and additional data is required.\n\no Feature – Provide the value “Other” for DefectComponentLabelType (UID: 3900.0122, FID: Not on report) AND the text\nprovided in DefectComponentLabelTypeOtherDescription (UID: 3900.0123, FID: 4.100|4.100.1) displays under the\nFeature column.\n\no Location – Provide the value “Other” for DefectItemLocationType (UID: 3900.0127, FID: Not on report) AND the text\n\nprovided in DefectItemLocationTypeOtherDescription (UID: 3900.0159, FID: 4.101) displays under the Location column.\n\no Description - DefectItemDescription (UID: 3900.0125, FID: 4.102) always displays.\no Affects Soundness or Structural Integrity - DefectItemAffectsSoundnessStructuralIntegrityIndicator (UID: 3900.0124,\n\nFID: 4.103) always displays.\n\no Recommended Action - DefectItemRecommendedActionType (UID: 3900.0128, FID: 4.104)\n\n• Each defect identified in this section must be associated with site. i.e., the DEFECT container must be linked to SITE container\n\nwith an arcrole (for details see the Site – Arcrole Relationship section below).\n\nSite Valuation Methodology\n\nThe Site Valuation Methodology subsection displays when (CostApproachIndicator = \"false\" AND SiteValueIndicator = \"true\"). (Figure 4 - 11)\n"} diff --git a/chunks/json/48d6a8bbb5a61f947121712b28f1cddc97ba4274b20e8f47a19cb586e6389043.json b/chunks/json/48d6a8bbb5a61f947121712b28f1cddc97ba4274b20e8f47a19cb586e6389043.json new file mode 100644 index 0000000000000000000000000000000000000000..896734c588660f7ea9398a8f6a6cc3823d053254 --- /dev/null +++ b/chunks/json/48d6a8bbb5a61f947121712b28f1cddc97ba4274b20e8f47a19cb586e6389043.json @@ -0,0 +1 @@ +{"chunk":{"char_end":319057,"char_start":317404,"chunk_id":"chk_9d3253a646ce7301","chunk_index":175,"chunk_sha256":"48d6a8bbb5a61f947121712b28f1cddc97ba4274b20e8f47a19cb586e6389043","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"48d6a8bbb5a61f947121712b28f1cddc97ba4274b20e8f47a19cb586e6389043","token_estimate":413,"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 120 of 166\n\nUAD 3.6 Policy\n\nSB4-1.4-10, Value Acceptance (09/03/2025)\n\nIntroduction\n\nThis topic contains information about value acceptance, including:\n\nEligible Transactions\nIneligible Transactions\n\n• Overview\n• Prior Appraisal Requirements\n•\n•\n• Representations and Warranties\n• Rural High-Needs Value Acceptance\n•\n\nExercising Value Acceptance\n\nOverview\n\nFor certain loan casefiles, DU offers value acceptance, in which case an appraisal is not required. For loan casefiles that are not\neligible for value acceptance, DU will require either a Uniform Residential Appraisal Report (URAR) or value acceptance + property\ndata.\n\nPrior Appraisal Requirements\n\nFor value acceptance to be considered, generally a prior appraisal must be found for the subject property in Fannie Mae’s\nCollateral Underwriter (CU) data. When required, DU will compare the address for the subject property to the property addresses\nfound in CU. DU will use the information from the prior appraisal to determine if the loan casefile is eligible for value acceptance.\nIn some cases, the prior appraisal report may not be acceptable. For example, if a CU “Overvaluation Flag” was issued on the prior\nappraisal, or the appraisal report could not be scored, that prior appraisal will not be used and value acceptance will not be\noffered on the new loan casefile.\n\nEligible Transactions\n\nA value acceptance offer will be considered for the following transactions:\n\n• one-unit properties, including condos;\n• principal residence and second home transactions;\n•\n•\n• DU loan casefiles that receive an Approve/Eligible recommendation.\n"} diff --git a/chunks/json/48db6524a12f6884415ff587f0460cd5b727416069e1f3f78741117b42b1ebfd.json b/chunks/json/48db6524a12f6884415ff587f0460cd5b727416069e1f3f78741117b42b1ebfd.json new file mode 100644 index 0000000000000000000000000000000000000000..f979948613a1e941382767bea573f1b165b96ecd --- /dev/null +++ b/chunks/json/48db6524a12f6884415ff587f0460cd5b727416069e1f3f78741117b42b1ebfd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":31355,"char_start":29753,"chunk_id":"chk_3c52c2e58b32f5b6","chunk_index":18,"chunk_sha256":"48db6524a12f6884415ff587f0460cd5b727416069e1f3f78741117b42b1ebfd","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"48db6524a12f6884415ff587f0460cd5b727416069e1f3f78741117b42b1ebfd","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":"2\n\n1 | 0\n\n2\n\n3 | 0\n\n$(5,000)\n\n2\n\n1 | 0\n\n2\n\n1 | 0\n\n864 Sq. Ft.\n\n1,926 Sq. Ft.\n\n$(37,200)\n\n676 Sq. Ft.\n\n$6,600\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\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nStructure ID\n\nQuality\n\nFoundation\n\nRoof\n\nCondition\n\nRoof\n\nWindows\n\nStructure ID\n\nQuality\n\nUniform Residential Appraisal Report\n\nPage 16 of 29\nPage 16 of 29\n\nSales Comparison Approach (continued)\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\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nExterior Walls and Trim\n\nEngineered Wood\n\nEngineered Wood\n\nQ5\n\nQ5\n\nQ5\n\nWood\n\nQ4\n\nEngineered Wood\n\nBuilding 1\n\nBuilding 1\n\nBuilding 1\n\nBuilding 1\n\nPost and Pier\n\nPost and Pier\n\nPost and Pier\n\nMetal\n\nC4\n\nMetal\n\nC4\n\nMetal\n\nC4\n\nSlab\n\nMetal\n\nC4\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nNew or Like New\n\nNew or Like New\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nBuilding 2\n\nBuilding 2\n\nBuilding 2\n\n—\n\nExterior Walls and Trim\n\nEngineered Wood\n\nEngineered Wood\n\nQ5\n\nQ4\n\nPost and Pier\n\nMetal\n\nC4\n\nSlab\n\nMetal\n\nC4\n\nQ5\n\nWood\n\nPost and Pier\n\nMetal\n\nC4\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nNew or Like New\n\nNew or Like New\n\nTypical Wear and Tear\n\nFoundation\n\nRoof\n\nCondition\n\nRoof\n"} diff --git a/chunks/json/48e16dd2db16711c40cc5429088fa400a097076e1be2978a3487fb4a7b179d71.json b/chunks/json/48e16dd2db16711c40cc5429088fa400a097076e1be2978a3487fb4a7b179d71.json new file mode 100644 index 0000000000000000000000000000000000000000..75cb700d36e6e07ac31d3bcfb13da32e0ae3a228 --- /dev/null +++ b/chunks/json/48e16dd2db16711c40cc5429088fa400a097076e1be2978a3487fb4a7b179d71.json @@ -0,0 +1 @@ +{"chunk":{"char_end":2362,"char_start":1888,"chunk_id":"chk_f86c59aabde9a38e","chunk_index":1,"chunk_sha256":"48e16dd2db16711c40cc5429088fa400a097076e1be2978a3487fb4a7b179d71","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b9877cc85d3ce128","text_sha256":"48e16dd2db16711c40cc5429088fa400a097076e1be2978a3487fb4a7b179d71","token_estimate":119,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-integration-impact-memo-february-2025.pdf","below_target_min_tokens"]},"text":"Release Support\nThe DU validation service changes will be implemented in the DU integration environment on or about February 21, 2025.\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 webpage or contact your Fannie\nMae representative.\n\n© 2025 Fannie Mae. Trademarks of Fannie Mae. 1.23.2025\n\n1 of 1\n"} diff --git a/chunks/json/48e39432adcca5661ee8e62c878ee2da8ea70c249286ccebae88e3c77171fe7c.json b/chunks/json/48e39432adcca5661ee8e62c878ee2da8ea70c249286ccebae88e3c77171fe7c.json new file mode 100644 index 0000000000000000000000000000000000000000..3112b4b5d45ad279a40bbd7f5ed766afc1ab7399 --- /dev/null +++ b/chunks/json/48e39432adcca5661ee8e62c878ee2da8ea70c249286ccebae88e3c77171fe7c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8251,"char_start":6651,"chunk_id":"chk_1fc3fd018ba197b3","chunk_index":4,"chunk_sha256":"48e39432adcca5661ee8e62c878ee2da8ea70c249286ccebae88e3c77171fe7c","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_5a40ad32f513b121","text_sha256":"48e39432adcca5661ee8e62c878ee2da8ea70c249286ccebae88e3c77171fe7c","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF2_Appraisal/_.xml/SF2_Appraisal_v1.3.xml"]},"text":"0\n\nSaleDate\n\n0\n\nSiteSize\n\n0\n\nYearBuilt\n\n0\n\nLivingUnitStandardFinishedAreaAboveGrade\n\n0\n\nLivingUnitStandardFinishedAreaBelowGrade\n\n870000\n\nNorth\n\nMost\n\nfalse\n\nConventional\n\n266\n\n1\n\n.09\n\n0\n\nDwelling\n\n2015\n\nfalse\n\n72\n\n3272\n\n620\n\nfalse\n\n5\n\n4\n\n1\n\nC3\n\nQ2\n\nRowhouseTownhouse\n\nBrick\n\nWood\n\nExteriorWallsAndTrim\n\nC3\n\nQ3\n\n1\n\nfalse\n\nfalse\n\nfalse\n\nForcedWarmAir\n\nPropertyPhoto\n\n\\\\Images\\SF2_Comp1.png\n\nimage/png\n\n49\n\n875000\n\nSettledSale\n\n25.165172\n\n-51.328126\n\nDeck\n\nDeck\n\nOutdoorLiving\n\n1\n\nIndoorFireplace\n\nElevator\n\nWholeHome\n\n0\n\nAttached\n\n1\n\ntrue\n\n1\n\nC3\n\nQ3\n\ntrue\n\ntrue\n\nFeeSimple\n\nfalse\n\ntrue\n\nfalse\n\n2019-04-01\n\n2019-05-01\n\n870000\n\nSale\n\n2018-12-12\n\n725000\n\nSale\n\nTypicallyMotivated\n\nNone\n\nfalse\n\nBusyRoadway\n\nPark\n\n1764\n\nFull\n\nResidential\n\n3245 Nowhere Pl\n\nAnywhere\n\n20854\n\nMD\n\nBuiltIn\n\nGarage\n\n2\n\n0\n\nContractDate\n\n0\n\nSaleDate\n\n0\n\nSiteSize\n\n0\n\nView\n\n0\n\nYearBuilt\n\n10000\n\nRowhouseTownhouseEndUnit\n\n0\n\nLivingUnitBedroomCount\n\n98700\n\nLivingUnitStandardFinishedAreaAboveGrade\n\n8400\n\nLivingUnitStandardFinishedAreaBelowGrade\n\n0\n\nLivingUnitUnfinishedAreaBelowGrade\n\n5000\n\nWholeHomeAmenity\n\n902100\n\nNorth\n\nMost\n\nfalse\n\nConventional\n\n392\n\n2\n\n.12\n\n122100\n\nDwelling\n\n2017\n\n100\n\n1992\n\n300\n\nfalse\n\n4\n\n4\n\n1\n\nC3\n\nQ2\n\nRowhouseTownhouse\n\nBrick\n\nCementBoard\n\nExteriorWallsAndTrim\n\nC3\n\nQ3\n\n1\n\nfalse\n\nfalse\n\nfalse\n\nForcedWarmAir\n\nPropertyPhoto\n\n\\\\Images\\SF2_Comp2.png\n\nimage/png\n\n29\n\n799900\n\nSettledSale\n\n25.165171\n\n-51.328127\n\nDeck\n\nDeck\n\nOutdoorLiving\n\n1\n\nIndoorFireplace\n\nWholeHome\n\n0\n\nAttached\n\n1\n\ntrue\n\n1\n\nC3\n\nQ3\n\nfalse\n\ntrue\n\nFeeSimple\n\nfalse\n\ntrue\n\nfalse\n\n2019-04-08\n\n2019-05-08\n\n780000\n\nSale\n\nNone\n\nfalse\n\nBusyRoadway\n"} diff --git a/chunks/json/48f7dd330576926bdb26a35f607e59dba8a8ca45434bfa5d0d1b4fba43d6a83c.json b/chunks/json/48f7dd330576926bdb26a35f607e59dba8a8ca45434bfa5d0d1b4fba43d6a83c.json new file mode 100644 index 0000000000000000000000000000000000000000..ee6dd6c749869391d468bc846d686b2f71ac4680 --- /dev/null +++ b/chunks/json/48f7dd330576926bdb26a35f607e59dba8a8ca45434bfa5d0d1b4fba43d6a83c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":311825,"char_start":310216,"chunk_id":"chk_802f344d0b8c63b1","chunk_index":168,"chunk_sha256":"48f7dd330576926bdb26a35f607e59dba8a8ca45434bfa5d0d1b4fba43d6a83c","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"48f7dd330576926bdb26a35f607e59dba8a8ca45434bfa5d0d1b4fba43d6a83c","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"8.17 N/A – XML\n\n8.17 N/A\n\nATR/QM\n\nROF as “Real Estate\nCommission\n(Selling)”\n\nFeeType\n\nRealEstateCommiss\nionBuyersBroker\n\n@gse:DisplayLabelT\next\n\nIntegratedDisclosur\neSectionType\n\nReal Estate\nCommission\n(Selling)\n\nOtherCosts\n\nOptionalCostIndicat\nor\n\nfalse\n\nNot shown unless =\n“true”\n\nAppendix E: UCD Implementation Guide\n\nPage 142 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n8.0 Other Costs Table\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nTable 100. Other Line Items\n\nN/A - GSE\n\nUID\n8.186\n\n8.17.1 Real Estate\nCommission\n(Selling) to _____\n\n…/FEE/FEE_PAID_T\nO/LEGAL_ENTITY/L\nEGAL_ENTITY_DETA\nIL\n\nRegulationZPointsA\nndFeesIndicator\n\ntrue\n\nFullName\n\nOmega Real Estate\nBroker\n\nPayee company\nname\n\nNotes\n\nNot Shown –\nATR/QM\n\n8.17.2 Seller-Paid At\n\nClosing ($)\n\n…/FEE/FEE_PAYME\nNTS/FEE_PAYMENT\n\nFeeActualPayment\nAmount\n\n5700.00\n\nROF as “$5,700.00”\n\n8.17.2 Seller-Paid\n\n8.17.2 At Closing\n\nFeePaymentPaidBy\nType\n\nSeller\n\nROF as “Seller-\nPaid”\n\nfalse\n\nROF as “At Closing”\n\nFeePaymentPaidOu\ntsideOfClosingIndic\nator\n\nSeventh Instance of FEE\n\nN/A - GSE\n\n…/FEE/FEE_DETAIL\n\nFeePaidToType\n\nThirdPartyProvider Not shown –\n\nUID\n8.180\n\n8.17\n\nTitle-Owner’s Title\nInsurance\n\n8.17 N/A - XML\n\n8.17\n\nTitle-Owner’s Title\nInsurance to _____\n(optional)\n\nN/A - GSE\n\nUID\n8.186\n\n8.17.1 Title-Owner’s Title\nInsurance to _____\n(optional)\n\n…/FEE/FEE_PAID_T\nO/LEGAL_ENTITY/L\nEGAL_ENTITY_DETA\nIL\n\nFeeType\n\nTitleOwnersCovera\ngePremium\n\n@gse:DisplayLabelT\next\n\nTitle-Owner’s Title\nInsurance\n\nATR/QM\n\nROF as “Title-\nOwner’s Title\nInsurance”\n\nIntegratedDisclosur\neSectionType\n\nOtherCosts\n"} diff --git a/chunks/json/48fc86d47762b926a79448ecbb302b62fd9bc4d08d3faa06fc810b7cf527d13d.json b/chunks/json/48fc86d47762b926a79448ecbb302b62fd9bc4d08d3faa06fc810b7cf527d13d.json new file mode 100644 index 0000000000000000000000000000000000000000..a9589855b43bc7fdb015286938be3a8e3d612fc1 --- /dev/null +++ b/chunks/json/48fc86d47762b926a79448ecbb302b62fd9bc4d08d3faa06fc810b7cf527d13d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":22265,"char_start":20607,"chunk_id":"chk_64ac4fae434ca388","chunk_index":5,"chunk_sha256":"48fc86d47762b926a79448ecbb302b62fd9bc4d08d3faa06fc810b7cf527d13d","date_utc":"2026-01-27T17:46:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ca732485d8c78bed","text_sha256":"48fc86d47762b926a79448ecbb302b62fd9bc4d08d3faa06fc810b7cf527d13d","token_estimate":408,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Delivering___Fannie_Mae_kx3809.md"]},"text":"### Technology applications and tools\n\n##### Loan Delivery\n\nSubmit whole loan sale and MBS pools to Fannie Mae.\n\n[Learn More **](/applications-technology/loan-delivery)\n\n##### EarlyCheck\n\nWith EarlyCheck™, lenders identify and correct potential eligibility and/or data issues early in their processes and prior to loan delivery.\n\n[Learn More **](/applications-technology/earlycheck)\n\n##### Uniform Closing Dataset (UCD) Collection Solution\n\nTest and deliver the Uniform Closing Dataset (UCD) XML file to Fannie Mae.\n\n[Learn More **](/applications-technology/uniform-closing-dataset-collection-solution)\n\n###\n\n##### Fannie Mae Connect\n\nFannie Mae Connect™ is your one-stop-shop to access data, reports, and analytics that make doing business with us easier.\n\n[Learn More **](/applications-technology/fannie-mae-connect)\n\n##### eMortgage\n\nResources to support delivery of electronic mortgages and closing documents.\n\n[Learn More **](/emortgage)\n\n##### Document Certification\n\nDocument custodians use this application to certify MBS pools and whole loans and transmit the certification status to Fannie Mae and the lender.\n\n[Learn More **](/applications-technology/document-certification)\n\n##### Loan Delivery Test Environment\n\nTest production-ready Uniform Loan Delivery Dataset (ULDD) data.\n\n[Learn More **](/applications-technology/loan-delivery-test-environment)\n\n### UMDP applications & information\n\n##### Uniform Collateral Data Portal\n\nWith UCDP, electronically submit appraisal reports for conventional mortgages delivered to Fannie Mae or Freddie Mac.\n\n[Learn More **](/applications-technology/uniform-collateral-data-portal)\n"} diff --git a/chunks/json/491e069ed0d6b2e9eaf5116956b3c9a34a5323b57cb89f50191e8f5f2122a476.json b/chunks/json/491e069ed0d6b2e9eaf5116956b3c9a34a5323b57cb89f50191e8f5f2122a476.json new file mode 100644 index 0000000000000000000000000000000000000000..a8ce716381de7166ba1d9441c5de1e1474827e9a --- /dev/null +++ b/chunks/json/491e069ed0d6b2e9eaf5116956b3c9a34a5323b57cb89f50191e8f5f2122a476.json @@ -0,0 +1 @@ +{"chunk":{"char_end":34130,"char_start":33248,"chunk_id":"chk_037942bd25902108","chunk_index":18,"chunk_sha256":"491e069ed0d6b2e9eaf5116956b3c9a34a5323b57cb89f50191e8f5f2122a476","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_80141fc5f7cc473c","text_sha256":"491e069ed0d6b2e9eaf5116956b3c9a34a5323b57cb89f50191e8f5f2122a476","token_estimate":220,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1075_466.pdf"]},"text":"ADDRESS OF PROPERTY APPRAISED\n19 ____________________________________________________\n20a, 20b, 20c, 20d _______________________________________\n\nDid not inspect exterior of subject property\n38\n\nDid inspect exterior of subject property from street\n39\n\nDate of Inspection 40 _________________________________\n\nAPPRAISED VALUE OF SUBJECT PROPERTY $ 21 ______________\nLENDER/CLIENT\nName 22 ______________________________________________\nCompany Name 23 ______________________________________\nCompany Address 24 ____________________________________\nEmail Address 26________________________________________\n\nCOMPARABLE SALES\n\nDid not inspect exterior of comparable sales from street\n41\n\n42\n Did inspect exterior of comparable sales from street\n\nDate of Inspection 43 _________________________________\n\nFreddie Mac Form 466 March 2005 226\n\nPage 6 of 6\n\nFannie Mae Form 1075 March 2005\n"} diff --git a/chunks/json/49214f6cc68683e789ee3cebf692e1600e99f52486b37d76951e3ac27a962968.json b/chunks/json/49214f6cc68683e789ee3cebf692e1600e99f52486b37d76951e3ac27a962968.json new file mode 100644 index 0000000000000000000000000000000000000000..983b9204d24064c652ae6e0cd5f39e3c9ef62f67 --- /dev/null +++ b/chunks/json/49214f6cc68683e789ee3cebf692e1600e99f52486b37d76951e3ac27a962968.json @@ -0,0 +1 @@ +{"chunk":{"char_end":423053,"char_start":421276,"chunk_id":"chk_c0f8a8626c7c0a42","chunk_index":238,"chunk_sha256":"49214f6cc68683e789ee3cebf692e1600e99f52486b37d76951e3ac27a962968","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"49214f6cc68683e789ee3cebf692e1600e99f52486b37d76951e3ac27a962968","token_estimate":444,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Step Payments?\n\n19.3 NO /YES\n\n19.3.1 For your first # payments\n\nSeasonal Payments?\n\n19.4 NO /YES\n\n19.4.1 From period to period /\nEvery # payment / every\nquarte r until the 20th quarter\n\n19.5 Pe riod Principal and Interest Payments\n\nFirst Change / Amount 19.6 $ Min - $ Max at # payment\n\nSubsequent Changes\n\n19.7 Every # years / No subsequent changes\n\nMaximum Payment\n\n19.8 $ starting at / as early as # payment\n\nFigure 117. Adjustable Payment Table\n\nFigure 117 shows the two parts of the AP Table: The top half, comprising the first four rows, identifies the loan\nfeature(s) that are causing the payment to adjust with a “NO” or “YES” answer (19.1 – 19.4). If the answer is\n“YES”, it must be followed by the number of payments that adjust beginning with the first payment (19.1.1 –\n19.3.1). If the loan allows seasonal payments, the “season” must also be defined (19.4.1).\n\nThe second part of the AP Table identifies the adjustment period (19.5), then specifies the payment number of\nthe first change and the minimum and maximum dollar amount of change (19.6), the change frequency\nfollowing the first change (if applicable) (19.7), and the dollar amount and year the maximum payment of the\nloan term will be reached (19.8).\n\nAppendix E: UCD Implementation Guide\n\nPage 197 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n19.0 Adjustable Payment (AP) Table\n\nA. LOAN PRODUCT AND AP TABLE\n\nThe following table shows how the features in the top half of the AP Table correspond to the loan features used\nto identify 3.3 Product. The loan product features can be associated with any of the three loan product types\ndefined by the Regulation --Fixed, Adjustable Rate, and Step Rate. However, it is the existence of one of these\nfeatures that drives the requirement for the AP Table.\n"} diff --git a/chunks/json/4924d66865d29990123de4895d4c4bfbca3203216af5263a9d0de9d72ac68721.json b/chunks/json/4924d66865d29990123de4895d4c4bfbca3203216af5263a9d0de9d72ac68721.json new file mode 100644 index 0000000000000000000000000000000000000000..5e50f0b08c5c9b2dcf8eb36219ee6cca23ed6c51 --- /dev/null +++ b/chunks/json/4924d66865d29990123de4895d4c4bfbca3203216af5263a9d0de9d72ac68721.json @@ -0,0 +1 @@ +{"chunk":{"char_end":23650,"char_start":22052,"chunk_id":"chk_dbbe3d4fcba17aed","chunk_index":13,"chunk_sha256":"4924d66865d29990123de4895d4c4bfbca3203216af5263a9d0de9d72ac68721","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8d14ca1837b76af4","text_sha256":"4924d66865d29990123de4895d4c4bfbca3203216af5263a9d0de9d72ac68721","token_estimate":400,"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":"Common Amenities/Services\n\nInground Pool | Theater\n\nInground Pool | Theater\n\nInground Pool | Theater\n\nClubhouse | Fitness Area |\nInground Pool\n\nSite\n\nProperty Restriction\n\nHistoric Preservation\n\nHistoric\nPreservation\n\nHistoric\nPreservation\n\n—\n\n$10,000\n\nParking Lot | Full\nCity Street | Partial\n\nResidential | Full\nCity Street | Full\n\n$0\n\nResidential | Full\nCity Street | Full\n\n$0\n\nResidential | Full\nPark | Full\n\n$(10,000)\n\nView | Range\n\nDwelling(s)\n\nYear Built\n\nStructure Design\n\nHeating\n\nUnit(s)\n\nFloor Number\n\nBedrooms\n\nBaths - Full | Half\n\n1971\n\nHigh-rise\n\n1971\n\nHigh-rise\n\n1971\n\nHigh-rise\n\n1965\n\nHigh-rise\n\nForced Warm Air | Natural Gas\n\nForced Warm Air\n\nForced Warm Air\n\nForced Warm Air\n\n$0\n\n$0\n\n12\n\n1\n\n1 | 0\n\n12\n\n1\n\n11\n\n1\n\n$0\n\n16\n\n1\n\n1 | 1\n\n$(5,000)\n\n1 | 1\n\n$(5,000)\n\n1 | 1\n\n$(5,000)\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\n1,209 Sq. Ft.\n\n1,209 Sq. Ft.\n\n1,360 Sq. Ft.\n\n$(30,200)\n\n1,070 Sq. Ft.\n\n$27,800\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nInterior Quality and Condition\n\nQuality\n\nCondition\n\nQ3\n\nC3\n\nQ3\n\nC3\n\nQ3\n\nC3\n\nQ3\n\nC3\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQuality\n\nCondition\n\nVehicle Storage\n\nQ3\n\nC3\n\nQ3\n\nC3\n\nQ3\n\nC3\n\nQ3\n\nC3\n\nType | Spaces | Detail\n\nParking Garage | 1 | Owned\n\nParking Garage | 1 | Owned\n\nParking Garage | 1 | Owned\n\nParking Garage | 1 | Owned\n\nAppraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 13 of 18\nPage 13 of 18\n\nSales Comparison Approach (continued)\n"} diff --git a/chunks/json/4925e9e99880783f360e340c91d51bac0be9ef43a0f1d6e64a629b25e5dcb144.json b/chunks/json/4925e9e99880783f360e340c91d51bac0be9ef43a0f1d6e64a629b25e5dcb144.json new file mode 100644 index 0000000000000000000000000000000000000000..53c473356807e95cbaf83108368eb66a43984cda --- /dev/null +++ b/chunks/json/4925e9e99880783f360e340c91d51bac0be9ef43a0f1d6e64a629b25e5dcb144.json @@ -0,0 +1 @@ +{"chunk":{"char_end":34379,"char_start":32648,"chunk_id":"chk_fa6d1306c1065988","chunk_index":19,"chunk_sha256":"4925e9e99880783f360e340c91d51bac0be9ef43a0f1d6e64a629b25e5dcb144","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"4925e9e99880783f360e340c91d51bac0be9ef43a0f1d6e64a629b25e5dcb144","token_estimate":433,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"Choose one or\nmore allowable\nvalues from the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nThe designation awarded by a recognized appraisal trade organization.\n•\nIFA\n• MAI\n•\nSRA\n•\nAAC\n•\nAFM\n•\nAM\n•\nARA\n•\nASA\n•\nARICS\n•\nIFAA\n•\nIFAC\n•\nIFAS\n•\nFRICS\n•\nGAA\n• MRICS\n•\nRPRA\n•\nRAA\n•\nSRPA\n•\nOther (Describe)\n\nNote: Do not enter appraiser license information in Designation. License\ninformation is reported in Credentials (04.018-04.021 or 04.033-04.036).\n\nThe name of the company for which the appraiser or supervisory appraiser\nworks.\n\nCompany Name Always required for\n\nFree-form\n\n04.013\n04.028\n\n04.014\n04.029\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\n04.015\n04.030\n\nReport Label\n\nWhen to Include\n\nExterior\n\nAlways required for\nthe appraiser and\nsupervisory appraiser\n\nInterior\n\n04.016\n04.031\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"} diff --git a/chunks/json/4927c7ef8cb8a1c522a7860e9f98de931f5b7cbff6ff5f4e8f62678d0b6d724c.json b/chunks/json/4927c7ef8cb8a1c522a7860e9f98de931f5b7cbff6ff5f4e8f62678d0b6d724c.json new file mode 100644 index 0000000000000000000000000000000000000000..432f9a61e43447c39ccb347f1a3417930e7e86b5 --- /dev/null +++ b/chunks/json/4927c7ef8cb8a1c522a7860e9f98de931f5b7cbff6ff5f4e8f62678d0b6d724c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":27237,"char_start":25060,"chunk_id":"chk_8e3ab6cf5b4a2733","chunk_index":16,"chunk_sha256":"4927c7ef8cb8a1c522a7860e9f98de931f5b7cbff6ff5f4e8f62678d0b6d724c","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d0defc84ceb13d55","text_sha256":"4927c7ef8cb8a1c522a7860e9f98de931f5b7cbff6ff5f4e8f62678d0b6d724c","token_estimate":636,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Engagements___FHFA_fwmvlq.md"]},"text":"{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/27846\",\"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/4928026b5993bc447c7b2706b14b2f372dd029cac90185a5aef2e726c1dc0c19.json b/chunks/json/4928026b5993bc447c7b2706b14b2f372dd029cac90185a5aef2e726c1dc0c19.json new file mode 100644 index 0000000000000000000000000000000000000000..0a0a478fa73a6dc23792b4288e28e24e2ecd1004 --- /dev/null +++ b/chunks/json/4928026b5993bc447c7b2706b14b2f372dd029cac90185a5aef2e726c1dc0c19.json @@ -0,0 +1 @@ +{"chunk":{"char_end":935270,"char_start":933661,"chunk_id":"chk_b1ae178729ca0dfc","chunk_index":556,"chunk_sha256":"4928026b5993bc447c7b2706b14b2f372dd029cac90185a5aef2e726c1dc0c19","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"4928026b5993bc447c7b2706b14b2f372dd029cac90185a5aef2e726c1dc0c19","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Sale 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='Condition']/@_Amount\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nAbove Grade Room Count 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='Other' and\n@_TypeOtherDescription='RoomAboveGradeLine1']/@_Amount\n\nAbove Grade Room Count Total Rooms Total Room Count\n\nSpecifies the total number of livable\nrooms.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/ROOM_ADJUS\nTMENT/@TotalRoomCount\n\nAbove Grade Room Count Bdrms.\n\nTotal Bedroom\nCount\n\nSpecifies the total number of bedrooms.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/ROOM_ADJUS\nTMENT/@TotalBedroomCount\n\nAbove Grade Room Count Baths\n\nTotal Bathroom\nCount\n\nSpecifies the total number of bathrooms.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/ROOM_ADJUS\nTMENT/@TotalBathroomCount\n\nAbove Grade Room Count Adjustment\n"} diff --git a/chunks/json/49288fb1f2d4310e224057c20a6b94978536a00d9fe981bc533f318cead2eafb.json b/chunks/json/49288fb1f2d4310e224057c20a6b94978536a00d9fe981bc533f318cead2eafb.json new file mode 100644 index 0000000000000000000000000000000000000000..ceb0406d565d7150dd28f048b4e0cd31fce01ed9 --- /dev/null +++ b/chunks/json/49288fb1f2d4310e224057c20a6b94978536a00d9fe981bc533f318cead2eafb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":563636,"char_start":561892,"chunk_id":"chk_dd69ee1bbe0cee96","chunk_index":332,"chunk_sha256":"49288fb1f2d4310e224057c20a6b94978536a00d9fe981bc533f318cead2eafb","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"49288fb1f2d4310e224057c20a6b94978536a00d9fe981bc533f318cead2eafb","token_estimate":436,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"String\n\nThis field is required if the value of\nfield e-15 (GSE Location Type) is\n‘Other’.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nString\n\nThis field should indicate the land rights appraised (e.g. Leasehold or Fee Simple).\n\n343\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\n20\n\nString\n\nUAD Requirement - Refer to Appendix D Subject Section\nThis field must indicate the HOA assessment and must be consistent with the HOA fee\nin field 1-26.\n\n344\n\n345\n\n346\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"} diff --git a/chunks/json/4930a9d98f7e7023d72f3d38ec7c611562131de10fbc9fd23e113ba9fa46e2aa.json b/chunks/json/4930a9d98f7e7023d72f3d38ec7c611562131de10fbc9fd23e113ba9fa46e2aa.json new file mode 100644 index 0000000000000000000000000000000000000000..5385f3cf71aa3bc2d8cbc75b982bda554ed58f18 --- /dev/null +++ b/chunks/json/4930a9d98f7e7023d72f3d38ec7c611562131de10fbc9fd23e113ba9fa46e2aa.json @@ -0,0 +1 @@ +{"chunk":{"char_end":639209,"char_start":637419,"chunk_id":"chk_de59db0c009f6b42","chunk_index":380,"chunk_sha256":"4930a9d98f7e7023d72f3d38ec7c611562131de10fbc9fd23e113ba9fa46e2aa","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"4930a9d98f7e7023d72f3d38ec7c611562131de10fbc9fd23e113ba9fa46e2aa","token_estimate":448,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"23.01.10 Furnished\n\nRequired if Unit\nCurrently Rented is Yes\n\nYes | No\n\nUnit Furnished: Indicates whether furniture is included in the rent for the unit.\n\nFor the subject property, this information displays in the following subsections\nof Rental Information:\n•\n•\n\nRent Schedule – Subject Property Rental Information 23.01.10\nComparable Rental Analysis 23.03.14 if the row is included in the rental\ncomparison grid.\n\nFree-form\n\nProvide a description of the rent control for each unit with rent control,\nincluding impacts to value and / or marketability.\n\n23.01.11 Description of\n\nRent Control\nand Impact to\nValue /\nMarketability\n\nRequired if Unit\nSubject to Rent Control\nis Yes for one or more\nunits in the Rent\nSchedule\n\nAppendix F-1: URAR Reference Guide\n\nPage 282 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nActual Income (Monthly)\n\n23 Rental Information\n\nRent\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nRent Schedule: Actual Income - Rent\n\n23.01.12 N/A\n\nDisplays if applicable\n\nFree-form\n\nUnit Identifier\nRedisplays from 23.01.01.\n\n23.01.13 N/A\n\nRequired for each unit\nor ADU that is included\nin the Rental\nInformation section\n\nDollar amount\n\nMonthly Actual Rent for Unit\n\nFor the subject property, this information displays in the following subsections\nof Rental Information:\n•\n\nRent Schedule\no\no\n\nSubject Property Rental Information 23.01.04\nActual Income (Monthly) 23.01.13\n\n23.01.14 Subtotal\n\nAlways required\n\nDollar amount\n\n•\n\nComparable Rental Analysis Summary 23.03.22\n\nTotal Monthly Actual Rent\nCalculated: Total Monthly Actual Rent for Unit for all units in the Rental\nInformation section.\nNote: For the subject property, this information also displays in the Income\nApproach section 24.007 if applicable.\n"} diff --git a/chunks/json/49313643ec85de8fd27913575c4c18d0d686131cf5f23c6d662a9ca175f9e7cb.json b/chunks/json/49313643ec85de8fd27913575c4c18d0d686131cf5f23c6d662a9ca175f9e7cb.json new file mode 100644 index 0000000000000000000000000000000000000000..34083738a9fbd445b00582fea369adb1e5684bb6 --- /dev/null +++ b/chunks/json/49313643ec85de8fd27913575c4c18d0d686131cf5f23c6d662a9ca175f9e7cb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":610804,"char_start":609053,"chunk_id":"chk_8b69614443dfd46f","chunk_index":360,"chunk_sha256":"49313643ec85de8fd27913575c4c18d0d686131cf5f23c6d662a9ca175f9e7cb","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"49313643ec85de8fd27913575c4c18d0d686131cf5f23c6d662a9ca175f9e7cb","token_estimate":478,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field should indicate the land rights appraised (e.g. Leasehold or Fee Simple).\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 3-68 and fields (3-\n60, 3-62, 3-64, 3-66, 3-70, 3-72, 3-74,\n3-76, 3-78, 3-80, 3-82, 3-84, 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\nCR\n\nCR\n\nCR\n\n406\n\n3\n\n69\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='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='MonthlyFacilityFee']/@_Description\n\n20\n\nString\n\nThis field should indicate the HOA Assessment for the comparable property.\n\nT\n\nT\n\nT\n\n407\n\n3\n\n70\n\nSALES\nCOMPARISON\nAPPROACH\n\nHOA Mo. Assessment\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='MonthlyFacilityFee']/@_Amount\n\n10\n\nMoney\n\nUAD Requirement - See Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum of this field 3-70 and fields (3-\n60, 3-62, 3-64, 3-66, 3-68, 3-72, 3-74,\n3-76, 3-78, 3-80, 3-82, 3-84, 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"} diff --git a/chunks/json/493eacff4db8d5b78a5c2300146ed40ae253eb8d810bbeebd7191729dffba446.json b/chunks/json/493eacff4db8d5b78a5c2300146ed40ae253eb8d810bbeebd7191729dffba446.json new file mode 100644 index 0000000000000000000000000000000000000000..11e285b6c7ea4facf281a892deb0329ef9b0a1bf --- /dev/null +++ b/chunks/json/493eacff4db8d5b78a5c2300146ed40ae253eb8d810bbeebd7191729dffba446.json @@ -0,0 +1 @@ +{"chunk":{"char_end":161659,"char_start":159994,"chunk_id":"chk_2dc8e3904f925f56","chunk_index":94,"chunk_sha256":"493eacff4db8d5b78a5c2300146ed40ae253eb8d810bbeebd7191729dffba446","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"493eacff4db8d5b78a5c2300146ed40ae253eb8d810bbeebd7191729dffba446","token_estimate":417,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Data Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\n194\n\nIMPROVEMENTS\n\nAmenities\nOther Description\n\nAmenity Type Other\nDescription\n\nA free-form text field used to describe\nthe amenity if Other is selected as the\nAmenity Type.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/AMENITY[@_Type='Other']/@_Typ\neOtherDescription\n\n10\n\nString\n\nUAD Instruction - Refer to Appendix D Improvements Section\nThis field should contain a description of the other amenities. If there are no\nother amenities indicate 'None'.\n\n200\n\n201\n\n1\n\n1\n\n195\n\nIMPROVEMENTS\n\nCar Storage\nNone\n\nCar Storage Exists\nIndicator\n\nIndicates if there is any car storage\navailable for a residence such as a\ngarage, carport or driveway.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/CAR_STORAGE/@_ExistsIndicator\n\n202\n\n1\n\n196\n\nIMPROVEMENTS Driveway\n\nCar Storage Location\nExists Indicator\n\nIndicates that the type of car storage\ndescribed in Car Storage Location\nType and Car Storage Attachment\nType is present.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/CAR_STORAGE/CAR_STORAGE_\nLOCATION[@_Type='Driveway']/@_ExistsInd\nicator\n\n203\n\n204\n\n1\n\n1\n\n197\n\nIMPROVEMENTS Driveway # of Cars\n\n198\n\nIMPROVEMENTS Driveway Surface\n\n205\n\n1\n\n199\n\nIMPROVEMENTS Garage\n\nParking Spaces\nCount\n\nSpecifies the number of vehicle\nparking spaces (i.e., the number of\nparking spaces in a garage, carport or\ncondominium complex).\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/CAR_STORAGE/CAR_STORAGE_\nLOCATION[@_Type='Driveway']/@ParkingSp\nacesCount\n\nSite Feature\nComment\n\nA free-form text field used to describe\nor comment on the aspect of the\nproperty named in the Site Feature\nType.\n"} diff --git a/chunks/json/4945a326ed5b0d37791636ae660283f79fe4a3da8c99f36d7acc1fe2f9899c67.json b/chunks/json/4945a326ed5b0d37791636ae660283f79fe4a3da8c99f36d7acc1fe2f9899c67.json new file mode 100644 index 0000000000000000000000000000000000000000..c39af9f8ec1f1311987c7328c77919884f159106 --- /dev/null +++ b/chunks/json/4945a326ed5b0d37791636ae660283f79fe4a3da8c99f36d7acc1fe2f9899c67.json @@ -0,0 +1 @@ +{"chunk":{"char_end":797597,"char_start":795861,"chunk_id":"chk_c32dee40aba2e232","chunk_index":475,"chunk_sha256":"4945a326ed5b0d37791636ae660283f79fe4a3da8c99f36d7acc1fe2f9899c67","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"4945a326ed5b0d37791636ae660283f79fe4a3da8c99f36d7acc1fe2f9899c67","token_estimate":434,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Appendix 4: Detached Garage Examples\n\nOutbuilding Subsection\n\nFor the subject property, the Outbuilding Type and any relevant dynamic rows (e.g., area, bathrooms, heating)\npopulate from the Outbuilding section.\n• Adjustments for comparables are made in a “lump sum” that includes consideration of the outbuilding, its\n\nassociated square footage, and amenities.\n\n• Adjustments for the 400 sq. ft. garage portion are made in the Vehicle Storage subsection and are not\n\nincluded in the Outbuilding subsection adjustments.\n\nIn this example, the adjustment for Comparable #1 reflects the differences in finished and unfinished area, bath,\nheating, and the marketability of a shed vs. a workshop.\n\nCost Approach (Depreciated Cost - Outbuilding)\n\nIf the Cost Approach is included in the appraisal, the depreciated cost of the outbuilding is reported in the\nDepreciated Cost – Outbuilding subsection. The entire finished and unfinished area of the outbuilding is\nreported here, including the garage.\n\nIn this example, Area Type for the garage is Garage.\n\nExample 3: Detached Garage with ADU\n\nIn this example the subject has a multipurpose outbuilding with 1000 sq. ft. of GBA that includes:\n• 400 sq. ft. 2-car garage (not heated)\n• 600 sq. ft. ADU (includes heat and air conditioning)\n\nNote: This example would also apply when the ADU is above the garage.\n\nAppendix F-1: URAR Reference Guide\n\nPage 367 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 4: Detached Garage Examples\n\nOutbuilding – ADU/Garage\n\nIn this example, Outbuilding Type is ADU/Garage.\n• Units in Structure is 1 because the outbuilding includes an ADU.\n• For Gross Building Area, the total GBA is reported (400 sq. ft. 2-car garage + 600 sq. ft. ADU = 1000 sq. ft.)\n"} diff --git a/chunks/json/494bfbb969170efcf7440986f1add718bd8e57ab72501c191b15be46f0570d1b.json b/chunks/json/494bfbb969170efcf7440986f1add718bd8e57ab72501c191b15be46f0570d1b.json new file mode 100644 index 0000000000000000000000000000000000000000..7baa2dbd5f364feb90f07e93c706a0496446c3dc --- /dev/null +++ b/chunks/json/494bfbb969170efcf7440986f1add718bd8e57ab72501c191b15be46f0570d1b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":321280,"char_start":319675,"chunk_id":"chk_990c0f1b9df0fc6b","chunk_index":174,"chunk_sha256":"494bfbb969170efcf7440986f1add718bd8e57ab72501c191b15be46f0570d1b","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"494bfbb969170efcf7440986f1add718bd8e57ab72501c191b15be46f0570d1b","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"9.3\n\nN/A - XML\n\n…/INTEGRATED_DISC\nLOSURE_SECTION_SU\nMMARY_DETAIL\n\nIntegratedDisclosure\nSectionType\n\nTotalClosingCosts\n\nIdentifies section to\nwhich subsection\nbelongs\n\n9.3\n\nLender Credits\n\n9.3.1 Lender Credits\n\nIncludes $200 credit\nfor increase in\nClosing Costs above\nlegal limit\n\nIntegratedDisclosure\nSubsectionType\n\nLenderCredits\n\nLenderCreditToleranc\neCureAmount\n\n200.00\n\n▪ ROF as “Includes\n$200 credit for\nincrease in Closing\nCosts above legal\nlimit”\n\n▪ Not provided if\nLender Credits\ndoes not include\ntolerance cure\n\n9.3.2\n\nBorrower-Paid At\nClosing ($)\n\n…/INTEGRATED_DISC\nLOSURE_SUBSECTION\n_PAYMENT\n\nIntegratedDisclosure\nSubsectionPaymentA\nmount\n\n-500.00\n\nROF as \"-$500.00”\n\n9.3.2\n\nBorrower-Paid\n\n9.3.2\n\nAt Closing\n\nIntegratedDisclosure\nSubsectionPaidByTyp\ne\n\nBuyer\n\nIntegratedDisclosure\nSubsectionPaymentTi\nmingType\n\nAtClosing\n\nROF as “Borrower-\nPaid”\n\nEnd of INTEGRATED_DISCLOSURE_SECTION_SUMMARY Instances\n\nUID\n7.091\n\nN/A – GSE\n\nRegulationZTotalAffili\nateFeesAmount\n\nnnn.nn\n\nATR/QM\n\nAppendix E: UCD Implementation Guide\n\nPage 147 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n9.0 Total Closing Costs\n\nTable 101. Total Closing Costs Table\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\nUID\n3.030\n\nUID\n3.027\n\nN/A – GSE\n\nN/A – GSE\n\nUID\n3.028\n\nN/A – GSE\n\n/LOAN/HIGH_COST_\nMORTGAGES/HIGH_C\nOST_MORTGAGE\n\n…/LOAN/QUALIFIED_\nMORTGAGE/QUALIFI\nED_MORTGAGE_DET\nAIL\n\n…/LOAN/QUALIFIED_\nMORTGAGE/EXEMPTI\nONS/EXEMPTION\n\nRegulationZTotalPoin\ntsAndFeesAmount\n\nnnnn.nn\n\nAbilityToRepayMetho\ndType\n\nExempt\n\nATR/QM\n\nATR/QM\n\nAbilityToRepayExemp\ntionReasonType\n"} diff --git a/chunks/json/49521e93848f28fca809b70f27d48491f61dd8a9cc0edb923bd8136bcb2b8a70.json b/chunks/json/49521e93848f28fca809b70f27d48491f61dd8a9cc0edb923bd8136bcb2b8a70.json new file mode 100644 index 0000000000000000000000000000000000000000..88435fec614ab3410c2e989ceb52a2d8cc34ae57 --- /dev/null +++ b/chunks/json/49521e93848f28fca809b70f27d48491f61dd8a9cc0edb923bd8136bcb2b8a70.json @@ -0,0 +1 @@ +{"chunk":{"char_end":32986,"char_start":31385,"chunk_id":"chk_aba3a37b8bba7ebd","chunk_index":19,"chunk_sha256":"49521e93848f28fca809b70f27d48491f61dd8a9cc0edb923bd8136bcb2b8a70","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_326eb9ac34de11c7","text_sha256":"49521e93848f28fca809b70f27d48491f61dd8a9cc0edb923bd8136bcb2b8a70","token_estimate":401,"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":"Uniform Residential Appraisal Report\n\nPage 18 of 23\n\nSales Comparison Approach (continued)\n\nProperty Address\n\n14568 Generic Rd\nOut There, VA 56789\n\n35361 Place Rd\nOut There, VA 56789\n\n38243 Place Rd\nOut There, VA 56789\n\n35422 Place Rd\nOut There, VA 56789\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\nQ3\n\nQ4\n\nQ2\n\nMid Grade Quality\n\nMid Grade Quality\n\nMid Grade Quality\n\nVery High Quality Appliances\n\nMid Grade Finishes\n\nMid-High Quality Finishes\n\nMid Grade Finish\n\nVery High Quality 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\nHardwood and Tile Thruout\n\n8 Ft. Ceilings\n\nStandard 8-9 Ft. Ceilings\n\n9 Ft. and 10 Ft. Ceilings\n\nC3\n\nFully Updated\n\nNot Updated\n\nFully Updated\n\nC4\n\nFully Updated\n\nNot Updated\n\nModerately Updated\n\nC2\n\nFully Updated\n\nFully Updated\n\nFully Updated\n\nADU Interior Quality and Condition\n\nLocation of ADU\n\nStandalone ADU\n\nDwelling\n\nDwelling\n\nADU/Garage\n\nQuality\n\nCondition\n\nQ4\n\nC4\n\nQ4\n\nC4\n\nQ4\n\nC4\n\nQ3\n\nC3\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQ4\n\nC4\n\nQ4\n\nC3 $(50,000)\n\nQ4\n\nC4\n\nQ2 $(100,000)\n\nC2 $(120,000)\n\nQuality\n\nCondition\n\nProperty Amenities\n\nOutdoor Living\n\nWater Features\n\nInground Pool - Heated\n\n— $20,000\n\nDeck | Deck | Patio | Porch\n\nDeck | Patio\n| Porch\n\n$5,000\n\nDeck | Deck |\nPatio | Porch\n\nInground Pool -\nDiving Board\n\nDeck | Patio\n\n$10,000\n"} diff --git a/chunks/json/49554b8aa81536b5aa7b42aa14ba45df9d13353842b82e9cdac96e19a471890b.json b/chunks/json/49554b8aa81536b5aa7b42aa14ba45df9d13353842b82e9cdac96e19a471890b.json new file mode 100644 index 0000000000000000000000000000000000000000..73496edd462d35d7c9fe94e23df6bdac2648da49 --- /dev/null +++ b/chunks/json/49554b8aa81536b5aa7b42aa14ba45df9d13353842b82e9cdac96e19a471890b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1764,"char_start":0,"chunk_id":"chk_6c0bd18a8e0c8a8d","chunk_index":0,"chunk_sha256":"49554b8aa81536b5aa7b42aa14ba45df9d13353842b82e9cdac96e19a471890b","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_be6881c7111e42f5","text_sha256":"49554b8aa81536b5aa7b42aa14ba45df9d13353842b82e9cdac96e19a471890b","token_estimate":537,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Enterprise_Single_Family_Public_Use_Database_Dashb_862d6.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/dashboard/enterprise-single-family-public-use-database\"\ndate_accessed: \"2026-01-27T18:10:56.154Z\"\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/4957d73a79ea394991fee97f803b4b8e6610549e47c3618f2b1baee83363cfa7.json b/chunks/json/4957d73a79ea394991fee97f803b4b8e6610549e47c3618f2b1baee83363cfa7.json new file mode 100644 index 0000000000000000000000000000000000000000..e0df0fb4a0f4c20f7c608ebbf596c992bf72f051 --- /dev/null +++ b/chunks/json/4957d73a79ea394991fee97f803b4b8e6610549e47c3618f2b1baee83363cfa7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":30935,"char_start":29313,"chunk_id":"chk_479dfac3ca0b9275","chunk_index":18,"chunk_sha256":"4957d73a79ea394991fee97f803b4b8e6610549e47c3618f2b1baee83363cfa7","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"4957d73a79ea394991fee97f803b4b8e6610549e47c3618f2b1baee83363cfa7","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Example:\nArm’s length sale; Text of the appraiser\nanalysis of the sales contract\n\nPage 15 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\nContract Price $\nThe appraiser must enter an amount in this\nfield if the “Assignment Type” is a purchase\ntransaction. Contract price must be the same\nas the sales price for the subject property in\nthe Sales Comparison Approach section.\n\nReporting Format:\nContract Price $ – Currency, whole dollars\nonly\n\nDate of Contract\nThe appraiser must enter a contract date if the\n“Assignment Type” is a purchase transaction.\n\nReporting Format:\nDate of Contract – mm/dd/yyyy\n\nContract\nSection\n\nIs the property seller the owner of public\nrecord?\n\nThe appraiser must indicate ‘Yes’ or ‘No’ if the\n“Assignment Type” is a purchase transaction.\n\nReporting Format:\nIs the property seller the owner of public\nrecord? – Checkbox designated with an ‘x’\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\n• 1004/70\n\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\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\nREQUIREMENT\n\nREQUIREMENT\n\nPage 16 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n"} diff --git a/chunks/json/49731b9bf7376bc54e38c66167196ca66e23fe1422152c80880b597f5832e956.json b/chunks/json/49731b9bf7376bc54e38c66167196ca66e23fe1422152c80880b597f5832e956.json new file mode 100644 index 0000000000000000000000000000000000000000..e1f6783468927a6bfc8fe4a8b23b68c5fca2772d --- /dev/null +++ b/chunks/json/49731b9bf7376bc54e38c66167196ca66e23fe1422152c80880b597f5832e956.json @@ -0,0 +1 @@ +{"chunk":{"char_end":49423,"char_start":47482,"chunk_id":"chk_e5d4c13a7055d21f","chunk_index":26,"chunk_sha256":"49731b9bf7376bc54e38c66167196ca66e23fe1422152c80880b597f5832e956","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"49731b9bf7376bc54e38c66167196ca66e23fe1422152c80880b597f5832e956","token_estimate":485,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Any other items that do not require repair, replacement, or inspection may also be reported using the\nRecommended Action of None.\n\nDefects, Damages, and Deficiencies are captured as discrete data in the following sections:\n• Site (4.099-4.104)\n• Dwelling Exterior (8.054-8.060)\n• Unit Interior (10.052-10.060)\n• Outbuilding (12.018-12.024)\n• Vehicle Storage (13.004-13.009)\n• Subject Property Amenities (14.005-14.010)\n\nAppendix F-1: URAR Reference Guide\n\nPage 16 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nOverview\n\nAll Defects, Damages, and Deficiencies are displayed in Reconciliation (26.020-26.070), and those requiring\naction are displayed in Summary (1.032-1.081).\n\nCommentary and Free-form Comments\n\nSection commentary must be entered in the most appropriate section:\n• Assignment Information and Scope of Work Commentary (2.061)\n• Subject Property Commentary (3.032)\n• Site Commentary (4.116)\n• Disaster Mitigation Commentary (5.001)\n• Energy Efficient and Green Features Commentary (6.016)\n• Sketch Commentary (7.003)\n• Dwelling Exterior Commentary (8.061)\n• Manufactured Home Commentary (9.026)\n• Unit Interior Commentary (10.061)\n• Functional Obsolescence Commentary (11.001)\n• Outbuilding Commentary (12.025)\n• Vehicle Storage Commentary (13.010)\n• Subject Property Amenities Commentary (14.011)\n• Reconciliation of Overall Quality and Condition (15.010)\n• Highest and Best Use Commentary (16.005)\n• Market Commentary (17.023)\n• Project Information Commentary (18.095)\n• Analysis of Subject Property Listing History (19.011)\n• Sales Contract Analysis (20.011)\n• Analysis of Prior Sale and Transfer History of Subject Property (21.006)\n• Analysis of Prior Sale and Transfer History of Comparable Sales (21.012)\n• Reconciliation of Sales Comparison Approach (22.16.01)\n• Rental Analysis Commentary (23.04.01)\n•\nIncome Approach Commentary (24.025)\n• Cost Approach Commentary (25.057)\n• Reconciliation of Market Value (26.019)\n"} diff --git a/chunks/json/49774e0c503ccf710ed7b278ba2f6e7529e35f9562405340da9f56936342b282.json b/chunks/json/49774e0c503ccf710ed7b278ba2f6e7529e35f9562405340da9f56936342b282.json new file mode 100644 index 0000000000000000000000000000000000000000..5bb1a7dd3bf428d86087844d53fc1269e99ec65a --- /dev/null +++ b/chunks/json/49774e0c503ccf710ed7b278ba2f6e7529e35f9562405340da9f56936342b282.json @@ -0,0 +1 @@ +{"chunk":{"char_end":142675,"char_start":141051,"chunk_id":"chk_b2eaaf201042249e","chunk_index":162,"chunk_sha256":"49774e0c503ccf710ed7b278ba2f6e7529e35f9562405340da9f56936342b282","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"49774e0c503ccf710ed7b278ba2f6e7529e35f9562405340da9f56936342b282","token_estimate":406,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Assignment Information: General Information – Government Agency Appraisals and Special Identification\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\nDisplay Rules\n\n2.008\n\nGovernment Agency\n\n2.009\n\nInvestor Requested Special\nIdentification\n\n1000.0028\n\nGovernmentAgencyAppraisalIndicator\n\nWhen “false”, do not display report label.\n\n1000.0029\n\nGovernmentAgencyAppraisalType\n\nRequired when GovernmentAgencyAppraisalIndicator = “true”\n\n1000.0038\n\nInvestorRequestedIdentificationCode\n\nWhen not provided, do not display report label.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nContact Information\n\nThe Contact Information subsection includes information about the people and/or companies (“contacts”) that are pertinent to the\nappraisal, including:\n\n• Clients, including lenders, AMCs, and other parties ([Role]/[Role] subsection)\n• Appraiser and supervisory appraiser, if applicable (Appraiser/Supervisory Appraiser subsection)\n• Person(s) providing significant real property appraisal assistance (Significant Real Property Appraisal Assistance subsection)\n• Entity providing a property data report (Property Data Report subsection)\n\nPage 86\n\nEvery contact has one or more roles (PartyRoleType). PartyRoleType determines which of the subsections the contact appears in.\n\n[Role]/[Role]\n\nThis portion of Contact Information shows details about the lender, client, and/or AMC. It repeats for each lender, client, and/or AMC on\nthe report (each instance of PARTY).\n\nA PARTY can have more than one PartyRoleType, which impacts the report display and the XML creation. This table provides some typical\nexamples.\n"} diff --git a/chunks/json/498853f840ae31bf2f52ec955787efad94aec1e473f1ad48f5a9f05900ef714c.json b/chunks/json/498853f840ae31bf2f52ec955787efad94aec1e473f1ad48f5a9f05900ef714c.json new file mode 100644 index 0000000000000000000000000000000000000000..752151ddd75f3b03b138593f3da67d4506bba7f8 --- /dev/null +++ b/chunks/json/498853f840ae31bf2f52ec955787efad94aec1e473f1ad48f5a9f05900ef714c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10088,"char_start":8704,"chunk_id":"chk_24e70a931364f583","chunk_index":5,"chunk_sha256":"498853f840ae31bf2f52ec955787efad94aec1e473f1ad48f5a9f05900ef714c","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_da248e1b967abf99","text_sha256":"498853f840ae31bf2f52ec955787efad94aec1e473f1ad48f5a9f05900ef714c","token_estimate":458,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Media_Library___FHFA_279ngw.md"]},"text":"November 26, 2024\n\n## [FHFA House Price Index for 2024 Q3](/news/videos/fhfa-house-price-index-2024-q3)\n\n![Preview image for the video \"FHFA House Price Index for 2024 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\nOctober 28, 2024\n\n## [Inside The FHFA 2024 Generative AI In Housing Finance TechSprint](/news/videos/inside-the-fhfa-2024-generative-ai-in-housing-finance-techsprint)\n\n![Preview image for the video \"Inside The FHFA 2024 Generative AI In Housing Finance TechSprint\".](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 27, 2024\n\n## [FHFA House Price Index for 2024 Q2](/news/videos/fhfa-house-price-index-2024-q2)\n\n![Preview image for the video \"FHFA House Price Index for 2024 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\nAugust 6, 2024\n\n## [2024 Duty to Serve Listening Session: Rural Housing](/news/videos/2024-duty-to-serve-listening-session-rural-housing)\n\n![Preview image for the video \"2024 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/499cb1987d4d6b5b3627e4cc359fe7eea1d3ce9a1a10c99551732f72e3f66ac4.json b/chunks/json/499cb1987d4d6b5b3627e4cc359fe7eea1d3ce9a1a10c99551732f72e3f66ac4.json new file mode 100644 index 0000000000000000000000000000000000000000..99c9c7af59bf9acb67034e58947c5c29407634a2 --- /dev/null +++ b/chunks/json/499cb1987d4d6b5b3627e4cc359fe7eea1d3ce9a1a10c99551732f72e3f66ac4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":198036,"char_start":196309,"chunk_id":"chk_2f2880c30941eba4","chunk_index":110,"chunk_sha256":"499cb1987d4d6b5b3627e4cc359fe7eea1d3ce9a1a10c99551732f72e3f66ac4","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"499cb1987d4d6b5b3627e4cc359fe7eea1d3ce9a1a10c99551732f72e3f66ac4","token_estimate":432,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Groups one or more sets of escrow items paid at closing\n\n999.161\n\nESCROW_ITEM\n\nESCROW_ITEM repeats for each line item with child containers\nincluding data points that identify the escrow item, the period for\nwhich the payment is made, amount per period, and if more than\none party supplied the amount, the payment distribution by\nparty. Up to 34 line items may be provided.\n\n999.162\n\nESCROW_ITEM_DETAIL\n\nHolds data points describing the escrow line item.\n\n999.163\n\nESCROW_ITEM_PAYMENTS MISMO construct. Plural of singular child container\n\nESCROW_PAYMENT holds at least 1 and up to 3 sequential\noccurrences of FEE_PAYMENT.\n\n999.164\n\nESCROW_ITEM_PAYMENT Holds data points identifying the payor entity, when paid relative\n\nto closing, and associated amount(s). Multiple instances of\nESCROW_ITEM_PAYMENT are provided when the payment was\nshared by more than one entity or a portion was paid before and\nat closing. At least one and up to three sequential instances are\nprovided.\n\n1. ESCROW ACCOUNT VS. COLLECTING ESCROW FUNDS AT CLOSING\n\nA loan can have an escrow account (EscrowIndicator = “true”) even when the no escrow funds are collected at closing.\nThe ESCROW structure is required only when funds for one or more escrow items is collected at the closing table. For example,\ncurrent industry practice is to establish an escrow account for mortgage insurance. However, mortgage insurance is rarely, if\never, collected at closing.\n\nBecause the aggregate adjustment is made by the lender to prevent the total of escrow line item amounts collected at\nclosing from exceeding the RESPA-mandated one-sixth of the annual property tax and insurance payment amount, the value\nprovided in the XML file will be less than or equal to zero.\n"} diff --git a/chunks/json/49b7b102e992d37b8ef85174289c5ec561a54da8a0fe7fdab3df42c0e8a0cf2c.json b/chunks/json/49b7b102e992d37b8ef85174289c5ec561a54da8a0fe7fdab3df42c0e8a0cf2c.json new file mode 100644 index 0000000000000000000000000000000000000000..e29261a5d836b62aef6a62e38b3f7929952c33f3 --- /dev/null +++ b/chunks/json/49b7b102e992d37b8ef85174289c5ec561a54da8a0fe7fdab3df42c0e8a0cf2c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":254200,"char_start":252585,"chunk_id":"chk_10fc5b929a3acc2b","chunk_index":149,"chunk_sha256":"49b7b102e992d37b8ef85174289c5ec561a54da8a0fe7fdab3df42c0e8a0cf2c","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"49b7b102e992d37b8ef85174289c5ec561a54da8a0fe7fdab3df42c0e8a0cf2c","token_estimate":404,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Yes\nNo (Inaccessible)\n\nVisual Observation of Crawl Space Completed: Indicates whether a visual\nobservation of the crawl space, as defined by the applicable organization, was\ncompleted.\n•\n•\nReference the appropriate government agency appraisal guidelines.\n\nYes (Visual Observation Completed)\nNo (No Visual Observation Completed)\n\n8.031\n\nCondition Status Always required\n\nChoose an\nallowable answer\nfrom table\n(Exterior Feature\nCondition Status)\n\nFoundation Condition Status: The condition status of the foundation.\n•\n•\n•\n•\n\nNew or Like New\nTypical Wear and Tear\nDamaged and Functional\nDamaged and Nonfunctional\n\nNotes:\n•\n\nIf there are varying condition statuses for the foundation, choose the one\nthat best explains the Exterior Condition Rating.\nCondition Status reflects the required repairs, inspections, or completions\nas if they were completed. The current condition is noted in the Apparent\nDefects, Damages, and Deficiencies (Dwelling Exterior) subsection.\nIndividual damages must be reported in the Apparent Defects, Damages,\nand Deficiencies (Dwelling Exterior) subsection.\n\n•\n\n•\n\nAppendix F-1: URAR Reference Guide\n\nPage 105 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n08 Dwelling Exterior\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nFoundation Type (Choose all that apply)\n\nBasement\n\nCrawl Space\n\nFully or partially below grade structural foundation style consisting of walls that bear weight on foundation footings\nrunning along the perimeter of the structure.\n\nA foundation style consisting of unfinished, typically narrow space between the building and the ground or the improved\nsurface.\n"} diff --git a/chunks/json/49bcbeeb06d0dd9500f967102ad358f27ae437616897a022679e34322be05a6a.json b/chunks/json/49bcbeeb06d0dd9500f967102ad358f27ae437616897a022679e34322be05a6a.json new file mode 100644 index 0000000000000000000000000000000000000000..bf44013baa7f7d19abf1e9a7df95e4f2eba74d04 --- /dev/null +++ b/chunks/json/49bcbeeb06d0dd9500f967102ad358f27ae437616897a022679e34322be05a6a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":31101,"char_start":29499,"chunk_id":"chk_98355b77792dbc72","chunk_index":18,"chunk_sha256":"49bcbeeb06d0dd9500f967102ad358f27ae437616897a022679e34322be05a6a","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"49bcbeeb06d0dd9500f967102ad358f27ae437616897a022679e34322be05a6a","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"N/A\n\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nUAD Consolidated Schema Matrix\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 15 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\nParking Spaces Count\n\nAdequate Indicator\n\n.PROPERTY\n..PROJECT\n...PROJECT_ANALYSIS\nProject Analysis Additional Facilities Fee Description**\n\nProject Analysis Budget Analysis Comment**\n\nProject Analysis Competitive Project Comparison Description**\n\nProject Analysis Ground Rent Amount**\n\nProject Analysis Ground Rent Description**\n\nProject Analysis Special Characteristics Description**\n\nProject Analysis Additional Facilities Fee Indicator**\n\nProject Analysis Budget Analyzed Indicator**\n\nProject Analysis Competitive Project Comparison Type**\n\nProject Analysis Ground Rent Indicator**\n\nProject Analysis Special Characteristics Indicator**\n\n.PROPERTY\n..PROJECT\n...PROJECT ANALYSIS\n.…UNIT_CHARGE\nUnit Charge Period Type**\n\nUnit Charge Amount**\n\nUnit Charge Per Square Foot Amount**\n\nUnit Charge No Utilities Included In Assessment Indicator**\n\n.PROPERTY\n..PROJECT\n...PROJECT_ANALYSIS\n….UNIT_CHARGE\n…..UNIT_CHARGE_UTILITY\nUnit Charge Utility Type**\n\nUnit Charge Utility Included In Assessment Indicator**\n\nUnit Charge Utility Type Other Description**\n\n.PROPERTY\n..PROJECT\n\nUAD Consolidated Schema Matrix\nAppendix B: GSE Appraisal Forms Mapping\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n"} diff --git a/chunks/json/49c3a07c1affa1ca6801d5c78d2a26089e46f3c94d4e7d9ac63d4cbf56c77b02.json b/chunks/json/49c3a07c1affa1ca6801d5c78d2a26089e46f3c94d4e7d9ac63d4cbf56c77b02.json new file mode 100644 index 0000000000000000000000000000000000000000..dcf07fa43e193db1147b2b8b19285f555837603c --- /dev/null +++ b/chunks/json/49c3a07c1affa1ca6801d5c78d2a26089e46f3c94d4e7d9ac63d4cbf56c77b02.json @@ -0,0 +1 @@ +{"chunk":{"char_end":356688,"char_start":355079,"chunk_id":"chk_1f19fc6e6013d4e3","chunk_index":206,"chunk_sha256":"49c3a07c1affa1ca6801d5c78d2a26089e46f3c94d4e7d9ac63d4cbf56c77b02","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"49c3a07c1affa1ca6801d5c78d2a26089e46f3c94d4e7d9ac63d4cbf56c77b02","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 15 of 20\n\nSales Comparison Approach (continued)\n\nPG BRK\n\nSales Comparison Map\n\nThis is where the Comparable Map photo would display.\n\nAppraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2)\n\nUniform Residential Appraisal Report\n\nPage 16 of 20\n\nSales Comparison Approach (continued)\n\nPG BRK\n\nSales Comparison Approach Exhibits\n\nComparable #1\n\nComparable #2\n\nThis is where the Comparable 1 photo would display.\n\nComparable #3\n\nComparable #4\n\nThis is where the Comparable 4 photo would display.\n\nCost Approach\n\nIndicated Value by Cost Approach\n\nDepreciated Cost of Dwellings\nAs Is Value of Site Improvements\nOpinion of Site Value\n\n$271,410\n\n$201,410\n$31,500\n$38,500\n\nDepreciated Cost - Dwelling\n\nAbove Grade Finished Area\n\nAttached Garage\n\nTotal Depreciation\n\nManufactured Home Delivery,\nInstallation, and Set Up\n\n1,568 Sq. Ft. @ $121.25\n\n400 Sq. Ft. @ $50.00\n\n$190,120\n\n$20,000\n\n$(17,710)\n\n$9,000\n\nTotal\n\n$201,410\n\nRemaining Economic Life\nEffective Age\n\n45 years\n1-5 years\n\nCommentary on Effective Age The subject has an actual age of 2 years and was manufactured, and installed on site, in 2020. Effective age is\nestimated at 1–5 years.\n\nAs Is Value of Site Improvements\n\nDescription\nUtility Connections, Driveway, Patio, and Porch\n\nAmount\n\n$31,500\n\n$31,500\n\nTotal\n\nAppraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2)\n\nUniform Residential Appraisal Report\n"} diff --git a/chunks/json/49c3bcc6186e702ccf64448bd30b7d198a68e913af315eaa749d1f34c46024aa.json b/chunks/json/49c3bcc6186e702ccf64448bd30b7d198a68e913af315eaa749d1f34c46024aa.json new file mode 100644 index 0000000000000000000000000000000000000000..80cdd3e539f9cb973720ad097e007ac841da5236 --- /dev/null +++ b/chunks/json/49c3bcc6186e702ccf64448bd30b7d198a68e913af315eaa749d1f34c46024aa.json @@ -0,0 +1 @@ +{"chunk":{"char_end":22086,"char_start":20449,"chunk_id":"chk_688c0623fa626126","chunk_index":9,"chunk_sha256":"49c3bcc6186e702ccf64448bd30b7d198a68e913af315eaa749d1f34c46024aa","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"49c3bcc6186e702ccf64448bd30b7d198a68e913af315eaa749d1f34c46024aa","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"ULDDS Appendix A includes the equivalent MISMO data points for all data\ncurrently required for loan delivery by either GSE, as well as “net new” data points\nthe GSEs need to capture for other business reasons. The resulting joint loan\ndelivery dataset streamlined the GSEs’ aggregate data requirements by replacing\nsimilar data elements mapped by each GSE to different data points with one shared\nmapping used by both GSEs.\n\nThe ULDDS leverages a shared usage model, which means that each GSE will\nexpect the loan delivery transaction, represented by an XML schema document, to\nhave an identical structure. Differences will arise only from the existence or\nabsence of given containers and data points, depending on whether the receiving\nGSE requires them.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 8 of 76\n\nSection V. Resources\n\nb. Appendix A - Development Approach\n\nThe ULDDS was designed to accommodate all types of loan products, features,\nand transactions. While developing the loan delivery data set, the GSEs worked to\nensure that:\n\na. The majority of the elements in the dataset were aligned between the GSEs,\n\nb. GSE dependence on special codes eventually could be reduced through the\n\ncollection of the underlying data points,\n\nc. GSE-specific conditionally required fields were minimized, and\n\nd. Loan delivery data that will be required in the future are included in ULDDS\nAppendix A in order to give lenders as much time to implement as possible.\n\nc. Requirements for Submitting ULDDS Appendix A Data Points\n"} diff --git a/chunks/json/49c95167effebb56e9a90193d5354ac0f39f43b248236baba603986edfbaf549.json b/chunks/json/49c95167effebb56e9a90193d5354ac0f39f43b248236baba603986edfbaf549.json new file mode 100644 index 0000000000000000000000000000000000000000..800f3073d91dabc73d7152c80037e490d2b263da --- /dev/null +++ b/chunks/json/49c95167effebb56e9a90193d5354ac0f39f43b248236baba603986edfbaf549.json @@ -0,0 +1 @@ +{"chunk":{"char_end":45213,"char_start":44693,"chunk_id":"chk_80d403674d828d6a","chunk_index":69,"chunk_sha256":"49c95167effebb56e9a90193d5354ac0f39f43b248236baba603986edfbaf549","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"49c95167effebb56e9a90193d5354ac0f39f43b248236baba603986edfbaf549","token_estimate":408,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Vehicle Storage – Arcrole Relationships ................................................................................................................................................................................... 218\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 15\n\n14 Subject Property Amenities ............................................................................................................................................................................................................. 220\n"} diff --git a/chunks/json/49d506fc01f9b65d0d09d259794acc2b3df2146e995de357065113fc08c0af00.json b/chunks/json/49d506fc01f9b65d0d09d259794acc2b3df2146e995de357065113fc08c0af00.json new file mode 100644 index 0000000000000000000000000000000000000000..13800df20ebce30a0082628a6a1193ba4b1861fb --- /dev/null +++ b/chunks/json/49d506fc01f9b65d0d09d259794acc2b3df2146e995de357065113fc08c0af00.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1280841,"char_start":1279234,"chunk_id":"chk_3dc2e871c27edf23","chunk_index":759,"chunk_sha256":"49d506fc01f9b65d0d09d259794acc2b3df2146e995de357065113fc08c0af00","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"49d506fc01f9b65d0d09d259794acc2b3df2146e995de357065113fc08c0af00","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"30c\n\n31\n\n32\n\n33\n\n34\n\nNote: This data is referenced more than once on the form (field 2-134) and must be\nrepresented consistently.\n\n48\n\nString\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\nAPPRAISER\nCERTIFICATION\n\nLENDER/CLIENT\nName\n\nGSE Management\nCompany Name\n\nThe appraisal management company\nassociated with the appraisal report.\n\n/VALUATION_RESPONSE/PARTIES/MANAGEMENT_COMPANY_E\nXTENSION/MANAGEMENT_COMPANY_EXTENSION_SECTION[@E\nxtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/MANAGEMENT_COMPANY_EXTENSION_SECTION_D\nATA/MANAGEMENT_COMPANY/@GSEManagementCompanyName\n\nAPPRAISER\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\n48\n\nString\n\nAPPRAISER\nCERTIFICATION\n\nLENDER/CLIENT\nCompany Address\n\nAPPRAISER\nCERTIFICATION\n\nLENDER/CLIENT\nEmail Address\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nName\n\nAppraisal Forms\nLender Unparsed\nAddress\n\nContact Point Value\n\nSupervisor Name\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nCompany Name\n\nSupervisor Company\nName\n\nThe unparsed address of the lender.\nGenerally includes the street address,\nsuite number, city, state and zip code.\nFORM SPECIFIC FIELD\nThis is the actual value (Phone, Fax, E-\nMail, Other) of the Contact Point Type.\nName of the person who is responsible\nfor reviewing or supervising the work or\nproject.\nName of the company with which the\nsupervisor is associated.\n"} diff --git a/chunks/json/49db34020ea9f9f267a2d092363c569eba69dea6abc9eb95a2315ff075f167cf.json b/chunks/json/49db34020ea9f9f267a2d092363c569eba69dea6abc9eb95a2315ff075f167cf.json new file mode 100644 index 0000000000000000000000000000000000000000..e852e4adf17eff6a3aa85b87dbc084e264c09230 --- /dev/null +++ b/chunks/json/49db34020ea9f9f267a2d092363c569eba69dea6abc9eb95a2315ff075f167cf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":2510,"char_start":0,"chunk_id":"chk_731ccfba42882bb9","chunk_index":0,"chunk_sha256":"49db34020ea9f9f267a2d092363c569eba69dea6abc9eb95a2315ff075f167cf","date_utc":"2026-01-27T17:46:37+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d388f9df645bf8c0","text_sha256":"49db34020ea9f9f267a2d092363c569eba69dea6abc9eb95a2315ff075f167cf","token_estimate":688,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae5/_.md/Uniform_Appraisal_Dataset___Fannie_Mae5.md"]},"text":"---\ntitle: \"Uniform Appraisal Dataset | Fannie Mae\"\nsource_url: \"https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset\"\ndate_accessed: \"2026-01-27T17:46:36.951Z\"\nselector: \".layout.masthead-custom.js-layout-exists.rag-highlight-border\"\nparent_folder: \"APPRAISAL_DATASET\"\ncapture_name: \"Uniform_Appraisal_Dataset___Fannie_Mae5\"\n---\n\n/* Carousel Content Title */ .carousel--controls-visible .carousel--card__title{margin-left: 2.5%; margin-bottom: 32px!important;} @media(min-width: 800px){ .carousel--controls-visible .carousel--card__title{margin-left: 54px;} } /** START - Carousel Content **/ .carousel--controls-visible .carousel__wrapper{display: flex; flex-direction: column; padding-bottom: 10px;} @media(min-width: 1120px){ .carousel--controls-visible .carousel__wrapper{padding-bottom: 40px;} } .carousel--controls-visible .carousel__wrapper .slick-list, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide > div:first-child, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item .card{height: 100%;} .carousel--controls-visible .carousel__wrapper .slick-list{display: grid;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__description{margin-bottom: 35px;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__link-wrapper{bottom: 0; position: relative; margin-top: auto;} /** END - Carousel Content **/ /* Carousel Content Nav Dots */ .carousel--controls-visible .carousel__wrapper .carousel-indicators .slick-dots{padding-left: 0;} /* START - Carousel Link */ .carousel--controls-visible .carousel__link-wrapper{margin-left: 2.5%; margin-top: 80px;} @media(min-width: 800px){ .carousel--controls-visible .carousel__link-wrapper{margin-left: 54px; margin-top: 80px;} } @media(min-width: 1120px){ .carousel--controls-visible .carousel__link-wrapper{margin-top: 40px;} } .carousel--controls-visible .carousel__link-wrapper .carousel__link{margin-left: 0;} /* END - Carousel Link */ /* Carousel White Card with Border */ .carousel--white .card{width: calc(100% - 2px);} @media(min-width: 768px){ .carousel--white .card{width: auto;} } ## []()**UAD 3.6 Documentation**\n"} diff --git a/chunks/json/49ee0ae8757bf2ac886174071d688f9da9d631281c1cfce301e0dca06573c298.json b/chunks/json/49ee0ae8757bf2ac886174071d688f9da9d631281c1cfce301e0dca06573c298.json new file mode 100644 index 0000000000000000000000000000000000000000..02904ff1312342598805fee73508ac6013af6025 --- /dev/null +++ b/chunks/json/49ee0ae8757bf2ac886174071d688f9da9d631281c1cfce301e0dca06573c298.json @@ -0,0 +1 @@ +{"chunk":{"char_end":28085,"char_start":26479,"chunk_id":"chk_8b4c8ec9a50429d1","chunk_index":16,"chunk_sha256":"49ee0ae8757bf2ac886174071d688f9da9d631281c1cfce301e0dca06573c298","date_utc":"2026-01-27T18:32:50+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e76a6c2fd086fb77","text_sha256":"49ee0ae8757bf2ac886174071d688f9da9d631281c1cfce301e0dca06573c298","token_estimate":402,"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":"Adjusted Price\n\nComparable Weight\n\nQ4\n\nC4\n\nQ4\n\nC4\n\n$(5,000)\n\nQ4\n\nC4\n\n$(1,000)\n\nQ4\n\nC4\n\n$(1,000)\n\nDeck | Porch\n\nDeck | Patio\n\n$6,000\n\nPatio | Porch\n\n$2,000\n\nDeck | Patio\n\n$6,000\n\n—\n\nMedia Room | Wet Bar\n\n—\n\n—\n\n$6,000\n\n—\n\n—\n\nInground Pool\n\n$(12,000)\n\n$6,000\n\n—\n\n$6,000\n\nDriveway | 2 | Asphalt\nGarage | 2 | Built-in 460 Sq. Ft.\n\nDriveway | 2 | Asphalt\nGarage | 2 | Built-in\n\nDriveway | 2 | Asphalt\nGarage | 2 | Built-in\n\nDriveway | 2 | Asphalt\nGarage | 2 | Built-in\n\n$489,000\n\n$489,000\n\n$460,000\n\n—\n\n$460,000\n\n$30,760\n\n$141\n\n$490,760\n\nMost\n\n$449,900\n\n—\n\n$450,000\n\n$40,540\n\n$160\n\n$490,540\n\nMost\n\n$525,000\n\n—\n\n$520,000\n\n$14,400\n\n$185\n\n$534,400\n\nLess\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$491,000\n\nReconciliation of Sales Comparison Approach\n\nComps 1 and 2 were from the same neighborhood as the Subject. Comp 3 not given as much weight because of different subdivision.\nCondition Rating adjustments were made to all comps due to the subject’s flooring having stained carpets and no updates. Comp 1 also had\na partially updated kitchen which was accounted for in the Condition Rating adjustment. Sales with property characteristics of 5 bedrooms,\nmedia room and wet bar were in the competitive market area, exhibited in #4 and 5 of the Additional Properties Analyzed Not Used, but were\nnot as comparable since they were larger, farther away, and superior quality.\n\nAdditional Properties Analyzed Not Used\n\n#\n1\n\n2\n\n3\n\n4\n\n5\n\nProperty Address\n101 Somewhere Ln\nTreeville, VA 12345\n\n955 Black Swan Rd\nTreeville, VA 12345\n\n325 Summit Ct\nTreeville, VA 12345\n\n7464 Blank Ln\nTreeville, VA 12345\n"} diff --git a/chunks/json/49f9ac840882da31282cdd99e97e50c63ac6af1af593644be164dd4c051a5bfa.json b/chunks/json/49f9ac840882da31282cdd99e97e50c63ac6af1af593644be164dd4c051a5bfa.json new file mode 100644 index 0000000000000000000000000000000000000000..0465b044106e6524623c5f21c826d941142c21a4 --- /dev/null +++ b/chunks/json/49f9ac840882da31282cdd99e97e50c63ac6af1af593644be164dd4c051a5bfa.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1649,"char_start":0,"chunk_id":"chk_31ef979fef6339d6","chunk_index":0,"chunk_sha256":"49f9ac840882da31282cdd99e97e50c63ac6af1af593644be164dd4c051a5bfa","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_669e1350d3ea62d8","text_sha256":"49f9ac840882da31282cdd99e97e50c63ac6af1af593644be164dd4c051a5bfa","token_estimate":413,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uad-compliance-api-uad-36-urar-available-announcement-dec-2024.pdf"]},"text":"UAD Compliance API – UAD 3.6 Uniform Residential\nAppraisal Report (URAR) Available\n\nDecember 6, 2024\n\nIn support of the Uniform Appraisal Dataset (UAD) and Forms Redesign initiative, Freddie Mac and Fannie Mae (the\nGSEs) have made available all 709 Uniform Residential Appraisal Report (URAR) UAD 3.6 Compliance Rules via\neach GSEs UAD Compliance application programming interface (API). As of December 5, 2024, the GSEs’ APIs are\navailable in production.\n\nThe GSEs’ APIs will help ensure users meet compliance with the UAD 3.6 specification and provide efficiency in\nthe appraisal process while reducing the need for appraisal resubmissions to the Uniform Collateral Data\nPortal® (UCDP®). It does this by validating the UAD 3.6 appraisal XML against the UAD 3.6 Compliance Rules for the\nURAR, which can be accessed here, prior to submission to the UCDP. The API will validate that the XML is well-\nformed, will perform a UAD 3.6 schema validation, and will verify requirements, data type, and format.\n\nIf you have not already integrated with one or both GSEs’ APIs, please do so to take advantage of the benefits of\nvalidating your solution’s UAD 3.6 appraisal XML to ensure its compliance with the UAD 3.6 specification.\n\nPlease note: in order to use the GSEs’ APIs in production, you must have gone through the GSEs’ verification\nprocess. You may still use the GSEs’ APIs in the ACPT test environment until you have completed verification.\n\nTo schedule your verification with the GSEs, please contact one of the below GSE contacts:\n\n• Fannie Mae: Jennifer Cagle jennifer_cagle@fanniemae.com\n• Freddie Mac: Bailie Jones bailie_jones@freddiemac.com\n"} diff --git a/chunks/json/49fb318fb6da707f409e562148dd18d505d9d15bf5702f976b804259b15dae66.json b/chunks/json/49fb318fb6da707f409e562148dd18d505d9d15bf5702f976b804259b15dae66.json new file mode 100644 index 0000000000000000000000000000000000000000..18be8372f47b3e558a6c1d014f058165e94c673c --- /dev/null +++ b/chunks/json/49fb318fb6da707f409e562148dd18d505d9d15bf5702f976b804259b15dae66.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1730,"char_start":0,"chunk_id":"chk_ccdc25d69149e2b3","chunk_index":0,"chunk_sha256":"49fb318fb6da707f409e562148dd18d505d9d15bf5702f976b804259b15dae66","date_utc":"2026-01-27T17:54:23+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ec73b19687d736e5","text_sha256":"49fb318fb6da707f409e562148dd18d505d9d15bf5702f976b804259b15dae66","token_estimate":531,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Do_Business_with_Us___FHFA_7m63c.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/about/do-business-with-us\"\ndate_accessed: \"2026-01-27T17:54:20.286Z\"\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/4a09010328e6dd807c6289758262166147d6ea389f74b663469a2b18c33a80b7.json b/chunks/json/4a09010328e6dd807c6289758262166147d6ea389f74b663469a2b18c33a80b7.json new file mode 100644 index 0000000000000000000000000000000000000000..e6226de3136e9ea1b5763e6d4557f46fb90c2e02 --- /dev/null +++ b/chunks/json/4a09010328e6dd807c6289758262166147d6ea389f74b663469a2b18c33a80b7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":391691,"char_start":389751,"chunk_id":"chk_2b2d178d163f534c","chunk_index":218,"chunk_sha256":"4a09010328e6dd807c6289758262166147d6ea389f74b663469a2b18c33a80b7","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"4a09010328e6dd807c6289758262166147d6ea389f74b663469a2b18c33a80b7","token_estimate":485,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Construction Method Type\n(Sort ID 51)\n\nManufactured Home Width\nType (Sort ID 33)\n\nSpecial Feature Code(s)\n\nSingle-section\n\nMutli-section\n\nMH Advantage\n\nMH Advantage\n\nManufactured\n\nSinglewide\n\nMultiwide\n\nMultiwide\n\nSinglewide\n\n235 and 791\n\n235\n\n235 and 859\n\n235, 791, and 859\n\nNote: These special feature codes are in addition to any other special feature codes that may apply.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 158 of 166\n\nUAD 3.6 Policy\n\nSB5-2-05, Manufactured Housing Legal Considerations (12/10/2025)\nIntroduction\n\nThis topic contains information on manufactured housing legal considerations, including:\n\n• Closing Instructions\n• Post Closing Items and Conversion to Real Property\n• Certificate of Title\n•\n•\n•\n•\n• Affidavit of Affixture\n• Background Information Regarding Titling for Manufactured Homes\n• Background Information on States where Surrender of a Certificate of Title is not Permitted\n\nTitle Issues and Lien Requirements\nTitle Insurance\nLoan Documents\nThe Security Instrument\n\nClosing Instructions\n\nClosing instructions must advise closing agents to obtain the required documentation necessary to ensure that the\nmanufactured home is attached to a permanent foundation system on the land, thus becoming part of the real property.\n\nIf a closing agent is not available to perform this action, the lender can rely on the Completion Report completed by the\nappraiser.\n\nIn addition, where state law provides that a manufactured home may be exempt from certificate of title requirements (for\ninstance, where a home is attached initially to a permanent foundation system), such closing instructions must instruct the\nclosing agent to ensure that the manufactured home qualifies for exemption from certificate of title requirements, including\nmonitoring of property installation procedures and the related documentation, and to provide the lender with documentary\nevidence of that for retention in the loan file.\n"} diff --git a/chunks/json/4a109cae7ff42a5f9674d651d380a366aff1bc5fb1fc6641e1171c8563f2b8f2.json b/chunks/json/4a109cae7ff42a5f9674d651d380a366aff1bc5fb1fc6641e1171c8563f2b8f2.json new file mode 100644 index 0000000000000000000000000000000000000000..6cc6b13c418868f6d19d26a6929903e4209d701f --- /dev/null +++ b/chunks/json/4a109cae7ff42a5f9674d651d380a366aff1bc5fb1fc6641e1171c8563f2b8f2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9066,"char_start":7078,"chunk_id":"chk_0e5333295f20908f","chunk_index":4,"chunk_sha256":"4a109cae7ff42a5f9674d651d380a366aff1bc5fb1fc6641e1171c8563f2b8f2","date_utc":"2026-01-27T17:47:50+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_b1e83178ca9325f1","text_sha256":"4a109cae7ff42a5f9674d651d380a366aff1bc5fb1fc6641e1171c8563f2b8f2","token_estimate":495,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Language_Access___FHFA_58oybw8.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 - Language Access\n\nPolicy\n\n# Language Access\n\n*** UPDATE: In July 2022, the Federal Housing Finance Agency, Fannie Mae, and Freddie Mac added the updated Supplementary Consumer Information Form (SCIF) (Fannie Mae/Freddie Mac 1103) to the Mortgage Translations website. The SCIF helps industry professionals collect borrower information with standardized questions about homeownership education, housing counseling, and language preference. Additionally, the revised Mortgage Assistance Application, Borrower Solicitation Letter, Forbearance Servicer Script, and a Servicer Script for Homeowners with a Resolved COVID-19 Hardship were also added. All of the documents are now available in English, Spanish, Chinese, Vietnamese, Korean, and Tagalog.**\n"} diff --git a/chunks/json/4a172cb4ff422bc019183464d1a465f5b75675d3957f441b6efec63b8ddf2040.json b/chunks/json/4a172cb4ff422bc019183464d1a465f5b75675d3957f441b6efec63b8ddf2040.json new file mode 100644 index 0000000000000000000000000000000000000000..3b10ba5a8ec787cea5da94c70d4475dbb7e61708 --- /dev/null +++ b/chunks/json/4a172cb4ff422bc019183464d1a465f5b75675d3957f441b6efec63b8ddf2040.json @@ -0,0 +1 @@ +{"chunk":{"char_end":543237,"char_start":541372,"chunk_id":"chk_b9858ffdd343a228","chunk_index":320,"chunk_sha256":"4a172cb4ff422bc019183464d1a465f5b75675d3957f441b6efec63b8ddf2040","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"4a172cb4ff422bc019183464d1a465f5b75675d3957f441b6efec63b8ddf2040","token_estimate":467,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/RESEARCH/COMPARABLE[@_HasPriorSalesIndicator=‘Y’]\n\nIndicates whether the comparable property\nhas prior sales history.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/RESEARCH/COMPARABLE[@_HasPriorSalesIndicator=‘N’]\n\n1\n\n1\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nPRIOR SALE\nHISTORY\n\nComparable Prior Sales History\nData Source(s)\n\nData Source\nDescription\n\nA free-form text field used to describe the\nsource of information.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/RESEARCH/COMPARABLE/@DataSourceDescription\n\n150\n\nString\n\nThis field should indicate the data sources for the comparables’ prior sale history.\n\nIf field 2-96 (Sales History Researched\nIndicator = 'N') is indicated, this field\nshould be populated.\n\nOne and only one of fields 2-98, 2-99\n(values of Subject Has Prior Sales\nIndicator) must be indicated.\n\nOne and only one of fields 2-98, 2-99\n(values of Subject Has Prior Sales\nIndicator) must be indicated.\n\nOne and only one of fields 2-101, 2-\n102 (values of Comparable Has Prior\nSales Indicator) must be indicated.\n\nOne and only one of fields 2-101, 2-\n102 (values of Comparable Has Prior\nSales Indicator) must be indicated.\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nT\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nT\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nT\n\nPRIOR SALE\nHISTORY\n\nDate of Prior Sale/Transfer\nSUBJECT\n\nGSE Prior Sale\nDate\n\nThe date of the prior sale of the subject or\ncomparable properties.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0’]/PRIOR_SALES/P\nRIOR_SALES_EXTENSION/PRIOR_SALES_EXTENSION_SECTION[@Exte\nnsionSectionOrganizationName\n='UNIFORM APPRAISAL DATASET']/\nPRIOR_SALES_EXTENSION_SECTION_DATA/PRIOR_SALE/@GSEPriorSa\nleDate\n"} diff --git a/chunks/json/4a209ba5e4477dab17da17a91011d212f647d8e2a4e674313b360698d5f9cf8c.json b/chunks/json/4a209ba5e4477dab17da17a91011d212f647d8e2a4e674313b360698d5f9cf8c.json new file mode 100644 index 0000000000000000000000000000000000000000..195ef3b97c1cf4f601aae7f5166dcb70286b05f3 --- /dev/null +++ b/chunks/json/4a209ba5e4477dab17da17a91011d212f647d8e2a4e674313b360698d5f9cf8c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6426,"char_start":4810,"chunk_id":"chk_6fb08edd636d5203","chunk_index":3,"chunk_sha256":"4a209ba5e4477dab17da17a91011d212f647d8e2a4e674313b360698d5f9cf8c","date_utc":"2026-01-27T18:31:57+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_f7d01bb05d443ddd","text_sha256":"4a209ba5e4477dab17da17a91011d212f647d8e2a4e674313b360698d5f9cf8c","token_estimate":404,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF5_Appraisal/_.xml/SF5_Appraisal_v1.1.xml"]},"text":"YearBuilt\n\n-3900\n\nLivingUnitStandardFinishedAreaAboveGrade\n\n-2500\n\nOutdoorLivingAmenity\n\n-5000\n\nVehicleStorage\n\n353500\n\nEast\n\nLess\n\nfalse\n\n278\n\n3\n\n0.40\n\n-11400\n\nDwelling\n\n2019\n\n1312\n\n0\n\nfalse\n\n3\n\n2\n\n0\n\nC3\n\nQ4\n\nC3\n\nQ4\n\n1\n\nNaturalGas\n\nForcedWarmAir\n\nPropertyPhoto\n\n\\\\Images\\SF5_Comp3.png\n\nimage/png\n\n72\n\n364900\n\nSettledSale\n\n25.164176\n\n-51.328128\n\nHilltop Hills\n\nDeck\n\nPortico\n\nOutdoorLiving\n\n0\n\nDetached\n\n1\n\ntrue\n\n1\n\nC3\n\nQ4\n\nfalse\n\ntrue\n\nfalse\n\nfalse\n\ntrue\n\ntrue\n\n2023-12-01\n\n3000\n\n2024-01-15\n\n364900\n\nSale\n\nNone\n\nfalse\n\n15000\n\nFull\n\nResidential\n\n849 Jolly Ave\n\nAnytown\n\n09992\n\nMD\n\nDriveway\n\nConcrete\n\n4\n\nfalse\n\n0\n\nSalesConcessions\n\n0\n\nContractDate\n\n0\n\nSaleDate\n\n0\n\nSiteSize\n\n0\n\nNeighborhoodName\n\n0\n\nLivingUnitStandardFinishedAreaAboveGrade\n\n0\n\nVehicleStorage\n\n360000\n\nEast\n\nMost\n\nfalse\n\n290\n\n4\n\n0.71\n\n0\n\nDwelling\n\n2018\n\n1240\n\n0\n\nfalse\n\n3\n\n2\n\n0\n\nC3\n\nQ4\n\nC3\n\nQ4\n\n1\n\nNaturalGas\n\nForcedWarmAir\n\nPropertyPhoto\n\n\\\\Images\\SF5_Comp4.png\n\nimage/png\n\n44\n\n362500\n\nSettledSale\n\n25.164177\n\n-51.328129\n\nWoodland Hills\n\nDeck\n\nOutdoorLiving\n\n0\n\nDetached\n\n1\n\ntrue\n\n1\n\nC3\n\nQ4\n\nfalse\n\ntrue\n\nfalse\n\nfalse\n\nfalse\n\n2023-11-03\n\n2023-12-01\n\n360000\n\nSale\n\nNone\n\nfalse\n\n14500\n\nFull\n\nResidential\n\n342 Trail Dr\n\nAnytown\n\n09992\n\nMD\n\nDriveway\n\nConcrete\n\n2\n\nfalse\n\n0\n\nSalesConcessions\n\n0\n\nContractDate\n\n0\n\nSaleDate\n\n0\n\nSiteSize\n\n0\n\nNeighborhoodName\n\n-3000\n\nLivingUnitBathroomCount\n\n0\n\nLivingUnitStandardFinishedAreaAboveGrade\n\n-2500\n\nOutdoorLivingAmenity\n\n0\n\nVehicleStorage\n\n359500\n\nEast\n\nMost\n\nfalse\n\n286\n\n5\n\n0.67\n\n-5500\n\nDwelling\n\n2018\n\n1278\n\n0\n\nfalse\n\n3\n\n2\n\n1\n\nC3\n\nQ4\n\nC3\n\nQ4\n\n1\n\nNaturalGas\n\nForcedWarmAir\n\nPropertyPhoto\n\n\\\\Images\\SF5_Comp5.png\n"} diff --git a/chunks/json/4a5da98a1a3f5de2490ec708b832a48db9fa3e8a78185b2476888d317eba6518.json b/chunks/json/4a5da98a1a3f5de2490ec708b832a48db9fa3e8a78185b2476888d317eba6518.json new file mode 100644 index 0000000000000000000000000000000000000000..5612abdc9c7f08576ae9ad270c9ded7ef496e520 --- /dev/null +++ b/chunks/json/4a5da98a1a3f5de2490ec708b832a48db9fa3e8a78185b2476888d317eba6518.json @@ -0,0 +1 @@ +{"chunk":{"char_end":274188,"char_start":272579,"chunk_id":"chk_ff8c1b89fac6e448","chunk_index":145,"chunk_sha256":"4a5da98a1a3f5de2490ec708b832a48db9fa3e8a78185b2476888d317eba6518","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"4a5da98a1a3f5de2490ec708b832a48db9fa3e8a78185b2476888d317eba6518","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"8.16.1 H. Other –\n\nBorrower-Paid ($)\n\nIntegratedDisclosur\neSectionTotalAmou\nnt\n\n1650.00\n\n…/INTEGRATED_DIS\nCLOSURE_SECTION\n_SUMMARY/INTEG\nRATED_DISCLOSUR\nE_SECTION_SUMM\nARY_DETAIL\n\nProvide a value of\n“0.00” if there are no\ncharges for this\ncategory\nROF as “$619.65”\n\nROF as “G. Initial\nEscrow Payment at\nClosing”\n\nProvide a value of\n“0.00” if there are\nno charges for this\ncategory\nROF as “$1,650.00”\n\n8.16 H. Other\n\nIntegratedDisclosur\neSectionType\n\nOtherCosts\n\nROF as “H. Other”\n\nFifth Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY\n\n8.18.1\n\nI. TOTAL OTHER\nCOSTS (Borrower-\nPaid) ($)\n\n…/INTEGRATED_DISC\nLOSURE_SECTION_S\nUMMARY/INTEGRAT\nED_DISCLOSURE_SEC\nTION_SUMMARY_DE\nTAIL\n\nIntegratedDisclosure\nSectionTotalAmount\n\n4852.65\n\n8.18\n\nI. TOTAL OTHER\nCOSTS (Borrower-\nPaid)\n\n8.19\n\nI. Other Costs\nSubtotals (E+F+G+H)\n\nIntegratedDisclosure\nSectionType\n\nTotalOtherCosts\n\nIntegratedDisclosure\nSubsectionType\n\nOtherCostsSubtotal ROF as “I. Other\n\nCosts Subtotals (E + F\n+ G + H)”\n\n…/INTEGRATED_DISC\nLOSURE_SECTION_S\nUMMARY/INTEGRAT\nED_DISCLOSURE_SEC\nTION_SUMMARY_DE\nTAIL\n\nAppendix E: UCD Implementation Guide\n\nPage 125 of 254\n\nVersion 1.4\n\nProvide a value of\n“0.00” if there are no\ncharges for this\ncategory\nROF as “$4,852.65”\nShould equal the sum\nof the subtotals for\neach Other Costs\ncategory\n\nROF as “I. TOTAL\nOTHER COSTS\n(Borrower-Paid)”\n\nUniform Closing Dataset\n\n8.0 Other Costs Table\n\nTable 98. Other Costs Table Category and Subcategory Data\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\n\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\nFirst Instance of INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENT\n"} diff --git a/chunks/json/4a64fab84e524efa1c28cb03366295716dfc6688a6c6d795d4764ab790c652bb.json b/chunks/json/4a64fab84e524efa1c28cb03366295716dfc6688a6c6d795d4764ab790c652bb.json new file mode 100644 index 0000000000000000000000000000000000000000..f318d5e59174c46fd6a25a0f5ecc779f86c71736 --- /dev/null +++ b/chunks/json/4a64fab84e524efa1c28cb03366295716dfc6688a6c6d795d4764ab790c652bb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1738,"char_start":1600,"chunk_id":"chk_53cc91375f5a8ae0","chunk_index":1,"chunk_sha256":"4a64fab84e524efa1c28cb03366295716dfc6688a6c6d795d4764ab790c652bb","date_utc":"2026-01-27T18:29:50+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_2cb7a3e4eaae6d42","text_sha256":"4a64fab84e524efa1c28cb03366295716dfc6688a6c6d795d4764ab790c652bb","token_estimate":35,"warnings":["source_path=Appendix-D-3 Completion Report Sample Scenarios and XML Files/Appendix D-3 CR2_CompletionReport/_.xml/CR2_CompletionReport_v1.3.xml","below_target_min_tokens"]},"text":"Buyer\n\nBorrower\n\nValuation\n\n2019-11-30\n\n\\\\CR2_CompletionReport_v1.3.pdf\n\napplication/pdf\n\n1\n\nValuationCompletion\n\nFNM_FRE\n\nSeptember 2024\n"} diff --git a/chunks/json/4a6b43d50db1e966a650578b77e28e4dfb8a17b734e676bfd9ba808181cd62ed.json b/chunks/json/4a6b43d50db1e966a650578b77e28e4dfb8a17b734e676bfd9ba808181cd62ed.json new file mode 100644 index 0000000000000000000000000000000000000000..b8b732d2fb88e619e1b2c234e5f53b81e442503f --- /dev/null +++ b/chunks/json/4a6b43d50db1e966a650578b77e28e4dfb8a17b734e676bfd9ba808181cd62ed.json @@ -0,0 +1 @@ +{"chunk":{"char_end":214904,"char_start":213230,"chunk_id":"chk_70727b688cc46b07","chunk_index":125,"chunk_sha256":"4a6b43d50db1e966a650578b77e28e4dfb8a17b734e676bfd9ba808181cd62ed","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"4a6b43d50db1e966a650578b77e28e4dfb8a17b734e676bfd9ba808181cd62ed","token_estimate":419,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"CR\n\nCR\n\nCR\n\nThis field is required if the value of field e-19\n(GSE Below Grade Finish Square Feet\nNumber) is greater than zero.\n\nCR\n\nCR\n\nCR\n\nThis field is required if the value of field e-19\n(GSE Below Grade Finish Square Feet\nNumber) is greater than zero.\n\nCR\n\nCR\n\nCR\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 55 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\nThis field is required if the value of field e-19\n(GSE Below Grade Finish Square Feet\nNumber) is greater than zero.\n\nCR\n\nCR\n\nCR\n\n276\n\n2\n\ne-24\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\n(line 2)\n\n(Below Grade Other\nRoom Count)\n\nGSE Below Grade\nOther Room Count\n\nThe number of finished rooms other\nthan recreation rooms, bedrooms, and\nbathrooms in the below grade space.\n\n277\n\n278\n\n279\n\n280\n\n281\n\n282\n\n283\n\n284\n\n285\n\n286\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n34\n\n35\n\n36\n\n37\n\n38\n\n39\n\n40\n\n41\n\n42\n\n43\n\nSale Price\nAdjustment\nDescription\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.)\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/4a8bae0e3bfea3783ae4b8a0146081878cea84ead6097027ae7578657506449d.json b/chunks/json/4a8bae0e3bfea3783ae4b8a0146081878cea84ead6097027ae7578657506449d.json new file mode 100644 index 0000000000000000000000000000000000000000..77e858f7cecf9d25506db35fb4d83b3d8b7865e6 --- /dev/null +++ b/chunks/json/4a8bae0e3bfea3783ae4b8a0146081878cea84ead6097027ae7578657506449d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":69800,"char_start":68181,"chunk_id":"chk_32565ac65056798f","chunk_index":20,"chunk_sha256":"4a8bae0e3bfea3783ae4b8a0146081878cea84ead6097027ae7578657506449d","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"4a8bae0e3bfea3783ae4b8a0146081878cea84ead6097027ae7578657506449d","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Page 14 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nIII. Closing Disclosure Variations – UPDATED\n\nIII. CLOS ING DIS CLOS URE VARIATIONS – UPDATED\n\nThe Closing Disclosure is a dynamic form with included sections and fields varying based on the transaction\npurpose (purchase or non-seller), loan product (adjustable payments or rates) and disclosure type (complete\nform to both borrower and seller or split form with borrower and seller versions). The GSEs recognize four\nClosing Disclosure variations. These are identified in the UCD with the proper enumeration for\nDocumentTypeOtherDescription:\n\n1. “ClosingDisclosure:ModelForm” (For Purchase Transactions)\n\n2. “ClosingDisclosure:AlternateForm” (For Non-Seller Transactions)\n\n3. “ClosingDisclosure:BorrowerOnly” (For Split Disclosures, the borrowers’ version)\n\n4. “ClosingDisclosure:SellerOnly” (For Split Disclosures, the sellers’ version). All GSE-required seller data is\n\ncollected on the ClosingDisclosure:BorrowerOnly form. The ClosingDisclosure:SellerOnly PDF is not required\nso is not included as a column in Table 3.\n\nTable 3 shows the sections and fields that are required for each form variation. The “Form Field ID” and “Form\nSection Name” are listed in the two left columns. The Closing Disclosure variations are listed in the three right\ncolumns. The form sections required for each variation are checked. In some cases, only certain fields within a\nsection need be provided. A blank cell in any column means that the corresponding section should not be\nincluded on that form.\n\nTable 3. Required Sections for each Closing Disclosure Variation -- UPDATED\n"} diff --git a/chunks/json/4a8efc35f9a85f5df41e0469c35210fa68a2ccf7e74bbfcb06c34afd4b60cbb6.json b/chunks/json/4a8efc35f9a85f5df41e0469c35210fa68a2ccf7e74bbfcb06c34afd4b60cbb6.json new file mode 100644 index 0000000000000000000000000000000000000000..871192ed3906a2294f6bc1b84f2a917f6ceb2914 --- /dev/null +++ b/chunks/json/4a8efc35f9a85f5df41e0469c35210fa68a2ccf7e74bbfcb06c34afd4b60cbb6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6446,"char_start":4794,"chunk_id":"chk_70980749fbd1e7be","chunk_index":3,"chunk_sha256":"4a8efc35f9a85f5df41e0469c35210fa68a2ccf7e74bbfcb06c34afd4b60cbb6","date_utc":"2026-01-27T17:46:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_34b0154c2ba22867","text_sha256":"4a8efc35f9a85f5df41e0469c35210fa68a2ccf7e74bbfcb06c34afd4b60cbb6","token_estimate":413,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae5/links/_.pdf/uad-infographic.pdf"]},"text":"None\n\nSunnyside\n\nSunnyside\nRolling | Adverse Rolling | Adverse\nNone\n\nNone\n\n$0\n\n16,039 Sq. Ft.\n\n$0\n\nHilldale\nFlat | Neutral\n\n$0\n$(2,000)\n\n$0\n\n$0\n\n$0\n\n$0\n\nWoods | Neutral\n\n2001\n3\n\nForced Warm\nAir | Electric\n\n$0\n\nNone\n\nSunnyside\nRolling | Adverse\n\nBusy Roadway\n| Adverse\n\nResidential\n| Neutral\n\n2004\n3\n\nForced Warm Air\n| Natural Gas\n\n$0\n\nHERS | 61\n\nData Source\nProximity to Subject\nList Price\nListing Status\nSale Price\nSales Concessions\nContract Date\nClosing Date\nDays on Market\nAttached/Detached\nProperty Rights Appraised\n\nSite\nSite Size\nSite (Onsite)\nNeighborhood Name\nTopography | Impact\nSite Influence (Location/Offsite)\nSite Influence | Impact\n\nView\nView | Impact\n\nDwelling\nYear Built\nLevels\nHVAC\nHeating\n\nResidential | Neutral\n\nResidential\n| Neutral\n\n2004\n3\n\n2004\n3\n\nForced Warm Air | Natural Gas\n\nForced Warm Air\n| Natural Gas\n\nHERS | 62\n\nNone\n\nEnergy Efficient and Green Features\nEnergy Rating | Score\n\nOverall Quality and Condition\nQuality\nCondition\n\nExterior Quality and Condition\n\nQuality\n\nExterior Walls and Trim\n\nCondition\n\nInterior Quality and Condition\n\nQuality\n\nCondition\n\nKitchen\n\nFlooring\n\nQ4\nC4\n\nQ4\n\nVinyl\n\nC3\n\nQ4\n\nC4\n\nQ4\nC4\n\n$(5,000)\n$(5,000)\n\nQ4\nC4\n\n$(1,000)\n\nQ4\nC4\n\n$(5,000)\n$(1,000)\n\nQ4\n\nVinyl\n\nC3\n\nQ4\n\nC4\n\nNot Updated |\n\nNormal Wear\n\nand Tear\n\nNot Updated |\n\nNormal Wear\n\nand Tear\n\nQ4\nBrick | Vinyl\n\nC3\n\nQ4\n\nC4\n\nNot Updated |\n\nNormal Wear\n\nand Tear\n\nNot Updated |\n\nNormal Wear\n\nand Tear\n\nBrick | Vinyl\n\nQ4\n\nC3\n\nQ4\n\nC4\n\nPartially\n\nUpdated | No\n\nApparent Issues\n\nNot Updated |\n\nNormal Wear\n\nand Tear\n\nNot Updated | Normal\n\nWear and Tear\n\nNot Updated | Heavily Worn\n\n© 2020 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n"} diff --git a/chunks/json/4a92c0bd0a687b21061e25c80c09228310e95fade7087df89ca7c34b2e25426a.json b/chunks/json/4a92c0bd0a687b21061e25c80c09228310e95fade7087df89ca7c34b2e25426a.json new file mode 100644 index 0000000000000000000000000000000000000000..162986e095ca45779028b148d0d8aecdeea82d05 --- /dev/null +++ b/chunks/json/4a92c0bd0a687b21061e25c80c09228310e95fade7087df89ca7c34b2e25426a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":902974,"char_start":901377,"chunk_id":"chk_c6246762744e9642","chunk_index":536,"chunk_sha256":"4a92c0bd0a687b21061e25c80c09228310e95fade7087df89ca7c34b2e25426a","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"4a92c0bd0a687b21061e25c80c09228310e95fade7087df89ca7c34b2e25426a","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"SALES\nCOMPARISON\nAPPROACH\n\nData Source(s)\n\nGSE Days On\nMarket Description\n\nThe total number of continuous days from\nthe date that a property is listed or\nadvertised for sale through the date that it\nis taken off the market or contracted for\nsale.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_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/@GSEDaysOnMarketDescription\n\nSALES\nCOMPARISON\nAPPROACH\n\nVerification Source(s)\n\nData Source\nVerification\nDescription\n\nA free-form text field used to describe or\ncomment on methods or other sources\nused to verify the accuracy of the data\nsource referenced in Data Source\nDescription.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@DataSourceVe\nrificationDescription\n\n35\n\n30\n\n40\n\n2\n\n10\n\n35\n\n35\n\n35\n\n11\n\n12\n\n27\n\n4\n\n35\n\nFormat\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nMoney\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nMust conform to USPS (Pub 28). The following address elements should be included\nin this field:\n• Street number\n• Street name (including applicable pre-directional indicator, suffix, and/or post-\ndirectional indicator)\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nMust conform to USPS (Pub 28). The following address element must be included in\nthis field:\n• Address unit designator and number.\n"} diff --git a/chunks/json/4a99eae6bf57cbfcc64c72dd302b6e05b2f1e6416d51fe7c651e41a439879b5a.json b/chunks/json/4a99eae6bf57cbfcc64c72dd302b6e05b2f1e6416d51fe7c651e41a439879b5a.json new file mode 100644 index 0000000000000000000000000000000000000000..a2d7e679c980321983e7f6cd680f83f2be47aa63 --- /dev/null +++ b/chunks/json/4a99eae6bf57cbfcc64c72dd302b6e05b2f1e6416d51fe7c651e41a439879b5a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":484942,"char_start":483342,"chunk_id":"chk_04a675e57662f2e1","chunk_index":287,"chunk_sha256":"4a99eae6bf57cbfcc64c72dd302b6e05b2f1e6416d51fe7c651e41a439879b5a","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"4a99eae6bf57cbfcc64c72dd302b6e05b2f1e6416d51fe7c651e41a439879b5a","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Yes | No\n\nIndicates whether sales concessions are typical in the market location.\n\nAppendix F-1: URAR Reference Guide\n\nPage 205 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n20 Sales Contract\n\nSales Contract Analysis\n\nSales Contract Analysis\n\nAllowable\nAnswers / Format\n\nFree-form\n\nReport\nField ID\n\n20.011\n\nReport Label\n\nWhen to Include\n\nSales Contract\nAnalysis\n\nRequired if Sales\nContract Information\nAnalyzed is No, or if\nPersonal Property\nConveyed is Yes, or if\nrelevant\n\nSales Contract Exhibits\n\nDefinition / Additional Guidance\n\nDetails captured above that require additional support, including:\n•\n\nThe reasons why the contract was not analyzed. This must include a\ndescription of the appraiser’s source of the information about the sales\ntransaction, efforts made to obtain the contract, and why the contract\nwas not provided.\nInformation about personal property included in sale.\nDetails and other information relevant to this section\n\n•\n•\n\nAll photos or images related to the Sales Contract section are displayed in the Sales Contract Exhibits\nsubsection. If there are no photos or images, this subsection does not display.\n\nSales Contract Exhibits\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nSee\niGuide\n\nSales Contract\nExhibits\n\nIf applicable\n\nPhotos or images\n\nDefinition / Additional Guidance\n\nPhotos or images relevant to the Sales Contract section may be provided,\nwhich display in Sales Contract Exhibits. Provide a caption to identify each\nphoto or image.\n\nAppendix F-1: URAR Reference Guide\n\nPage 206 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n"} diff --git a/chunks/json/4aad8534a1d59b698a5803fa63a07800aff8937f7ece19c95f2ff72741d2cd23.json b/chunks/json/4aad8534a1d59b698a5803fa63a07800aff8937f7ece19c95f2ff72741d2cd23.json new file mode 100644 index 0000000000000000000000000000000000000000..94b7d70b4df4460373f1c300bff44bfc581ae170 --- /dev/null +++ b/chunks/json/4aad8534a1d59b698a5803fa63a07800aff8937f7ece19c95f2ff72741d2cd23.json @@ -0,0 +1 @@ +{"chunk":{"char_end":24468,"char_start":23983,"chunk_id":"chk_01e94ba0f8b351fc","chunk_index":31,"chunk_sha256":"4aad8534a1d59b698a5803fa63a07800aff8937f7ece19c95f2ff72741d2cd23","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"4aad8534a1d59b698a5803fa63a07800aff8937f7ece19c95f2ff72741d2cd23","token_estimate":434,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Overview .................................................................................................................................................................................................................................................. 78\n\nData Mapping and PDF Rendering Information ....................................................................................................................................................................................... 79\n"} diff --git a/chunks/json/4ab4cf595a7c6b74c96b14f24204f28f44d9030b8a9de50965029ce4118ada65.json b/chunks/json/4ab4cf595a7c6b74c96b14f24204f28f44d9030b8a9de50965029ce4118ada65.json new file mode 100644 index 0000000000000000000000000000000000000000..11db083fbc2c67bdb8c2d6373c358215c397c0ae --- /dev/null +++ b/chunks/json/4ab4cf595a7c6b74c96b14f24204f28f44d9030b8a9de50965029ce4118ada65.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18708,"char_start":16105,"chunk_id":"chk_d763e95f68b95b02","chunk_index":9,"chunk_sha256":"4ab4cf595a7c6b74c96b14f24204f28f44d9030b8a9de50965029ce4118ada65","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_1a65065b3ed6f3a3","text_sha256":"4ab4cf595a7c6b74c96b14f24204f28f44d9030b8a9de50965029ce4118ada65","token_estimate":771,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Credit_Risk_Transfer___FHFA_wrc2oh.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\\/2486\",\"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/4aba494f7eba4a95bc93ab8367623d01087112003622fdc67bad79adde40160d.json b/chunks/json/4aba494f7eba4a95bc93ab8367623d01087112003622fdc67bad79adde40160d.json new file mode 100644 index 0000000000000000000000000000000000000000..cf3b8bbaee2c51b3acc00349662cad5b055a6d40 --- /dev/null +++ b/chunks/json/4aba494f7eba4a95bc93ab8367623d01087112003622fdc67bad79adde40160d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":147530,"char_start":145931,"chunk_id":"chk_0526a910b4d01b58","chunk_index":85,"chunk_sha256":"4aba494f7eba4a95bc93ab8367623d01087112003622fdc67bad79adde40160d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"4aba494f7eba4a95bc93ab8367623d01087112003622fdc67bad79adde40160d","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\nThe property exceeds the allowable density established by the local zoning authority (e.g., a two-to-four unit property in\nan area that permits only one-unit properties in the zoning regulations).\n\nLot Size\n\nSite size does not meet standards established by local zoning authority.\n\nManufactured Home\n\nManufactured homes are not allowed on the site.\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nProperty Use\n\nThis subsection displays when Site Owned in Common (3.015) is No.\n• When Site Owned in Common is Yes, non-residential use such as live/work space in the living unit is\n\nreported in the Unit Interior section (10.026-10.028).\n\n• Commercial space in condominium, cooperative, or condop project buildings is reported in the Project\n\nInformation section (18.069).\n\nReport\nField ID\n\n4.017\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nNon-Residential\nUse\n\nRequired if Site Owned\nin Common is No\n\nYes | No\n\nNon-Residential Uses on Property: Indicates whether the property includes\nspace set aside to operate a business.\n\nSite: Property Use\n\nWhen analyzing this for a condominium or cooperative (such as a site condo),\nonly include areas that are part of the subject unit and not the entire project.\nProject analysis is handled in the Project Information section.\n\nNotes:\n•\n\n•\n\nIf Yes, the Non-Residential Property Use row displays in the Site Features\nTable (4.043-4.046), and additional information must be provided.\nIf No, “None” displays.\n\n4.015\n\nPrimarily\nResidential\n\n4.016\n"} diff --git a/chunks/json/4ac0e59ccb9c2c9a48e104462c20efb47e54953b93181ec8f14dcf93dec6c86a.json b/chunks/json/4ac0e59ccb9c2c9a48e104462c20efb47e54953b93181ec8f14dcf93dec6c86a.json new file mode 100644 index 0000000000000000000000000000000000000000..b67fb4b582c0a15441c57a29ebf9358e82a8b85e --- /dev/null +++ b/chunks/json/4ac0e59ccb9c2c9a48e104462c20efb47e54953b93181ec8f14dcf93dec6c86a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":139860,"char_start":138441,"chunk_id":"chk_cede6f81bd952ad5","chunk_index":75,"chunk_sha256":"4ac0e59ccb9c2c9a48e104462c20efb47e54953b93181ec8f14dcf93dec6c86a","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"4ac0e59ccb9c2c9a48e104462c20efb47e54953b93181ec8f14dcf93dec6c86a","token_estimate":408,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"the close coupling between\n\nterminology on\n\nFigure 45. Rendering Cash to Close Table Data on the CD Model Form.\n\nCalculating Cash to Close\n\n10.0\n\nLoan Estimate\n\nFinal\n\nDid this change?\n\nIntegratedDisclosu\nreCashToCloseIte\nmEstimated\nAmount\n\nIntegratedDisclosu\nreCashToClose\nItemFinalAmount\n\nIntegratedDisclosu\nreCashToClose\nItemAmount\nChangedIndicator\n\n10.1.1 $8,054.00 10.1.2 $9,712.00 10.1.3 YES\n\n10.2.1\n\n$0 10.2.2\n\n-$29.00 10.2.3 YES\n\nIntegratedDisclosureCashTo\nCloseItemChangeDescription\n\n10.1.4 See Total Loan Costs\n(D) and Total Other Costs (I)\n\n10.2.4 You paid these\nClosing Costs before closing\n\n10.3.1\n\n$0 10.3.2\n\n$0 10.3.3 NO\n\n10.4.1 $18,000.00 10.4.2 $18,000.00 10.4.3 NO\n\n10.5.1 -$10,000.00 10.5.2 -$10,000.00 10.5.3 NO\n\n10.6.1\n\n$0 10.6.2\n\n$0 10.6.3 NO\n\n10.7.1\n\n$0 10.7.2 -$2,500.00 10.7.3 YES\n\n10.8.1\n\n$0 10.8.2 -$1,035.00 10.8.3 Yes\n\n10.7.4 See Seller Credits in\nSection L\n\n10.8.4 See details in\nSections K & L\n\n10.9.1 $16,054.00 10.9.2 $14,148.00\n\nIntegratedDisclosureCashToClose\nItemType\n\n10.1 Total Closing Costs (J)\n“TotalClosingCosts”\n\n10.2 Closing Costs Paid Before Closing\n“ClosingCostsPaidBeforeClosing”\n\n10.3 Closing Costs Financed\n“ClosingCostsFinanced”\n\n10.4 Down Payment\n“DownPayment”\n\n10.5 Deposit\n“Deposit”\n\n10.6 Funds for Borrower\n“FundsForBorrower”\n\n10.7 Seller Credits\n“SellerCredits”\n\n10.8 Adjustments and Other Credits\n“AdjustmentsAndOtherCredits”\n\n10.9 Cash to Close\n“CashToCloseTotal”\n"} diff --git a/chunks/json/4ac64941af595f61e93c5a0f6fd3575a39ea8f61af8d2d35f3d8637c6434d953.json b/chunks/json/4ac64941af595f61e93c5a0f6fd3575a39ea8f61af8d2d35f3d8637c6434d953.json new file mode 100644 index 0000000000000000000000000000000000000000..6b59ca719e1c3acec4f922973762fd40acae0b7c --- /dev/null +++ b/chunks/json/4ac64941af595f61e93c5a0f6fd3575a39ea8f61af8d2d35f3d8637c6434d953.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8663,"char_start":7989,"chunk_id":"chk_aecffc6dd01b4942","chunk_index":12,"chunk_sha256":"4ac64941af595f61e93c5a0f6fd3575a39ea8f61af8d2d35f3d8637c6434d953","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"4ac64941af595f61e93c5a0f6fd3575a39ea8f61af8d2d35f3d8637c6434d953","token_estimate":602,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Data Mapping and PDF Rendering ........................................................................................................................................................................................... 23\n\n06 Completion Report Commentary ............................................................................................................................................................................... 26\n\nOverview ................................................................................................................................................................................................................................... 27\n"} diff --git a/chunks/json/4acd13b55baff51debe78add122f915646ef7277956105ec43ccd5e0e87ada86.json b/chunks/json/4acd13b55baff51debe78add122f915646ef7277956105ec43ccd5e0e87ada86.json new file mode 100644 index 0000000000000000000000000000000000000000..737d53d044f5f3fe1357996d5dc0536b30aebddb --- /dev/null +++ b/chunks/json/4acd13b55baff51debe78add122f915646ef7277956105ec43ccd5e0e87ada86.json @@ -0,0 +1 @@ +{"chunk":{"char_end":184395,"char_start":182302,"chunk_id":"chk_a844305ff10e7e10","chunk_index":103,"chunk_sha256":"4acd13b55baff51debe78add122f915646ef7277956105ec43ccd5e0e87ada86","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"4acd13b55baff51debe78add122f915646ef7277956105ec43ccd5e0e87ada86","token_estimate":523,"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 76 of 166\n\nUAD 3.6 Policy\n\nDemand/Supply\n\nMarketing Time\n\n• oversupply\n•\nin balance\n•\nshortage\n\n• under three months\n•\nthree to six months\n• over six months\n\nThe appraiser’s analysis of a property must take into consideration all factors that affect value. Fannie Mae purchases loans in all\nmarkets, this is particularly important for market areas experiencing significant fluctuations in property values including sub-\nmarkets for specific types of housing. Therefore, lenders must confirm the appraiser analyzes active listings, pending sales, and\nsettled sales based on their defined lookback period. The appraiser must also demonstrate or provide commentary on how the\nmarket trends were determined for competitive properties within the defined market area. If the price trend includes the use of\nmultiple data sources, the appraisal report must include the sources used to determine the price trend and a reconciliation of\nthese sources.\n\nWhen completing the Housing Trends portion of the appraisal report, the trends must be reflective of those properties deemed to\nbe competitive to the property being appraised. If the market area contains properties that are truly competitive (that is, market\nparticipants make no distinction between the properties), then all the properties within the market area would be reflected in the\nHousing Trends.\n\nThe appraiser's analysis of housing and price trends must include factual data from information sources such as, but not limited\nto, market data, home price indices, multiple listing services, public records, and/or models, and include market commentary.\nThe trend indicated in the appraisal report must reflect the overall movement of the market based on a minimum of 12 months of\ndata. Special attention should be given to sales or financing concessions and distressed market competition in market areas with\ndeclining property values, an oversupply of properties, or marketing times over six months and the appraiser must provide the\nreasons these market conditions exist when present.\n"} diff --git a/chunks/json/4ace27476bd16ba3d83e5fa3e70991833c9f3a848accc16df3162a43037c2792.json b/chunks/json/4ace27476bd16ba3d83e5fa3e70991833c9f3a848accc16df3162a43037c2792.json new file mode 100644 index 0000000000000000000000000000000000000000..b5e510f0e06ab19a84ec44837982d59bd8dc4de2 --- /dev/null +++ b/chunks/json/4ace27476bd16ba3d83e5fa3e70991833c9f3a848accc16df3162a43037c2792.json @@ -0,0 +1 @@ +{"chunk":{"char_end":74067,"char_start":72109,"chunk_id":"chk_f0bbb81b3ff61b0d","chunk_index":46,"chunk_sha256":"4ace27476bd16ba3d83e5fa3e70991833c9f3a848accc16df3162a43037c2792","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"4ace27476bd16ba3d83e5fa3e70991833c9f3a848accc16df3162a43037c2792","token_estimate":489,"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\n38\n\nBORROWER1d. Previous Employment/Self-Employment and IncomeEMPLOYERSEMPLOYERADDRESSAddressLineTextAddressUnitIdentifierCityNameStateCodePostalCodeCountryCodeEMPLOYMENTEmploymentStatusTypeEmploymentPositionDescriptionEmploymentStartDateEmploymentEndDateEmploymentBorrowerSelfEmployedIndicatorEmploymentMonthlyIncomeAmountLEGAL_ENTITYLEGAL_ENTITY_DETAILFullNameData PointsContainersLegend:Income ContainersEmployment ContainersINDIVIDUALNAMEFullName1e. Income from Other SourcesBORROWERCURRENT_INCOMECURRENT_INCOME_ITEMSCURRENT_INCOME_ITEMCURRENT_INCOME_ITEM_DETAILIncomeTypeIncomeTypeOtherDescriptionCurrentIncomeMonthlyTotalAmountEmploymentIncomeIndicator\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n39\n\nData PointsContainersLegend:2a. Assets - Bank Accounts, Retirement, and Other Accounts You HaveASSETSASSETASSET_DETAILAssetTypeAssetAccountIdentifierAssetCashOrMarketValueAmountASSET_HOLDERNAMEFullName2b. Other Assets and Credits You HavePURCHASE_CREDITSDEALLOANSLOANPURCHASE_CREDITPurchaseCreditTypePurchaseCreditTypeOtherDescriptionPurchaseCreditSourceTypePurchseCreditSourceTypeOtherDescriptionPurchaseCreditAmountASSETSASSETASSET_DETAILAssetTypeAssetTypeOtherDescriptionAssetCashOrMarketValueAmount\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n40\n\n2c. Liabilities - Credit Cards, Other Debts, and Leases that You OweData PointsContainersLegend:NAMEFullNameLIABILITYLIABILITY_HOLDERLIABILITY_DETAILLiabilityTypeLiabilityTypeOtherDescriptionLiabilityAccountIdentifierLiabilityUnpaidBalanceAmountLiabilityPayoffStatusIndicatorLiabilityMonthlyPaymentAmountLiabilityRemainingTermMonthsCountLiabilityExclusionIndicator2d. Other Liabilities and ExpensesDEALPARTYPARTIESCAIVRSIdentifierEXPENSESEXPENSEROLESROLEBORROWERExpenseTypeExpenseTypeOtherDescriptionExpenseMonthlyPaymentAmountExpenseRemainingTermMonthsCountGOVERNMENT_BORROWER\n"} diff --git a/chunks/json/4ad1fc521b82e5fc382026b56aae010df2f4439ce17c21e7b61ecf69dd88c2a4.json b/chunks/json/4ad1fc521b82e5fc382026b56aae010df2f4439ce17c21e7b61ecf69dd88c2a4.json new file mode 100644 index 0000000000000000000000000000000000000000..13699cfe2d39794cae4a57953f403ed92a607986 --- /dev/null +++ b/chunks/json/4ad1fc521b82e5fc382026b56aae010df2f4439ce17c21e7b61ecf69dd88c2a4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11318,"char_start":10828,"chunk_id":"chk_4282a985ac913eed","chunk_index":6,"chunk_sha256":"4ad1fc521b82e5fc382026b56aae010df2f4439ce17c21e7b61ecf69dd88c2a4","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"4ad1fc521b82e5fc382026b56aae010df2f4439ce17c21e7b61ecf69dd88c2a4","token_estimate":448,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Table Column Headers ............................................................................................................................................................................................................................. 23\n\nDocument Conventions............................................................................................................................................................................................................................ 23\n"} diff --git a/chunks/json/4ad2a4565622a42ca69e21826037828536fcac7c29e42a3dbebd8262f8b498eb.json b/chunks/json/4ad2a4565622a42ca69e21826037828536fcac7c29e42a3dbebd8262f8b498eb.json new file mode 100644 index 0000000000000000000000000000000000000000..b688e536db2f219ec1476e3216228055c13c8713 --- /dev/null +++ b/chunks/json/4ad2a4565622a42ca69e21826037828536fcac7c29e42a3dbebd8262f8b498eb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1709,"char_start":0,"chunk_id":"chk_0ac23bf2e2504d59","chunk_index":0,"chunk_sha256":"4ad2a4565622a42ca69e21826037828536fcac7c29e42a3dbebd8262f8b498eb","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_c5040f543aae68ba","text_sha256":"4ad2a4565622a42ca69e21826037828536fcac7c29e42a3dbebd8262f8b498eb","token_estimate":523,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Frequently_Asked_Questions___FHFA_rl1net.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/faqs\"\ndate_accessed: \"2026-01-27T17:48:02.348Z\"\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. 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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/4ad73202b503bff55b08d758ff2ed69f99c3aded6b56ad28328f3c8b8f45404b.json b/chunks/json/4ad73202b503bff55b08d758ff2ed69f99c3aded6b56ad28328f3c8b8f45404b.json new file mode 100644 index 0000000000000000000000000000000000000000..40c0651ae23670737278370a86ca48bcf120fadd --- /dev/null +++ b/chunks/json/4ad73202b503bff55b08d758ff2ed69f99c3aded6b56ad28328f3c8b8f45404b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":780625,"char_start":779026,"chunk_id":"chk_27b583af83e70114","chunk_index":463,"chunk_sha256":"4ad73202b503bff55b08d758ff2ed69f99c3aded6b56ad28328f3c8b8f45404b","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"4ad73202b503bff55b08d758ff2ed69f99c3aded6b56ad28328f3c8b8f45404b","token_estimate":400,"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 139 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\n171\n\n1\n\n164\n\nPROJECT\nINFORMATION\n\nIf Project Incomplete\n# of Planned Phases\n\nDevelopment Stage\nTotal Phases Count\n\nNumber of phases that exist in the project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='Incomplete']/@_TotalPhasesCount\n\n172\n\n1\n\n165\n\nPROJECT\nINFORMATION\n\nIf Project Incomplete\n# of Planned Units\n\nPlanned Units\nCount\n\nTotal number of planned living units.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='Incomplete']/@PlannedUnitsCount\n\n173\n\n1\n\n166\n\nPROJECT\nINFORMATION\n\nIf Project Incomplete\n# of Units for Sale\n\nUnits For Sale\nCount\n\nTotal number of living units for sale.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='Incomplete']/@UnitsForSaleCount\n\n174\n\n1\n\n167\n\nPROJECT\nINFORMATION\n\nIf Project Incomplete\n# of Units Sold\n\nUnits Sold Count\n\nTotal number of living units sold.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='Incomplete']/@UnitsSoldCount\n\n175\n\n1\n\n168\n\nPROJECT\nINFORMATION\n\nIf Project Incomplete\n# of Units Rented\n\nUnits Rented Count Total number of living units rented.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='Incomplete']/@UnitsRentedCount\n\n176\n\n177\n\n178\n\n179\n\n180\n\n181\n\n182\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n169\n\n170\n\n171\n\n172\n\n173\n\n174\n\n175\n"} diff --git a/chunks/json/4ad837adb8287c706001005f00e14296b26c2b822a1f42760c0bc0500dc6d480.json b/chunks/json/4ad837adb8287c706001005f00e14296b26c2b822a1f42760c0bc0500dc6d480.json new file mode 100644 index 0000000000000000000000000000000000000000..99086cd58e6a7a04ecd41d184229fa1a213f2816 --- /dev/null +++ b/chunks/json/4ad837adb8287c706001005f00e14296b26c2b822a1f42760c0bc0500dc6d480.json @@ -0,0 +1 @@ +{"chunk":{"char_end":88602,"char_start":86822,"chunk_id":"chk_7cd26eef78ddac65","chunk_index":49,"chunk_sha256":"4ad837adb8287c706001005f00e14296b26c2b822a1f42760c0bc0500dc6d480","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"4ad837adb8287c706001005f00e14296b26c2b822a1f42760c0bc0500dc6d480","token_estimate":445,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"If the borrower is able to document (per the table below) that the rental property was not in service the previous tax year, or was\nin service for only a portion of the previous tax year, the lender may determine qualifying rental income by using one of the\nfollowing options:\n\n•\n•\n\nSchedule E income and expenses, and annualizing the income (or loss) calculation, or\nfully executed lease agreement(s) to determine the gross rental income to be used in the net rental income (or loss)\ncalculation.\n\nIf ...\n\nthe property was acquired or placed into service\nduring the most recent tax filing year,\n\nThen ...\n\n•\n\n•\n\nthe lender must confirm the purchase date using the\nsettlement statement or other documentation, and\n\nFair Rental Days on Schedule E of the most recently\nfiled tax return must confirm partial year rental\nincome.\n\nthe property was acquired or placed into service\nsubsequent to the most recent tax filing year,\n\nthe lender must confirm the purchase date using the\nsettlement statement or other documentation, if applicable.\n\nIn addition, for properties recently converted to an investment\nproperty or newly placed in service, obtain Schedule E of the most\nrecently filed tax return to confirm no rental income of expenses\nfor this property.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 38 of 166\n\nUAD 3.6 Policy\n\nthe property was acquired prior to the most recent tax\nfiling year, but the rental property was out of service\nfor an extended period,\n\n•\n\n•\n\nrepair expenses on Schedule E of the most recently\nfiled tax return must reflect the costs for renovation\nor rehabilitation. Additional documentation may be\nrequired to ensure that the expenses support a\nsignificant renovation that supports the amount of\ntime that the rental property was out of service.\n"} diff --git a/chunks/json/4add0117f64fb38f1c5c951bf21e8181fa8956b3dada768a5492cdb2858bdae4.json b/chunks/json/4add0117f64fb38f1c5c951bf21e8181fa8956b3dada768a5492cdb2858bdae4.json new file mode 100644 index 0000000000000000000000000000000000000000..ffcc229364d454d2b387e0aafb4ed35d3251966c --- /dev/null +++ b/chunks/json/4add0117f64fb38f1c5c951bf21e8181fa8956b3dada768a5492cdb2858bdae4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13171,"char_start":11278,"chunk_id":"chk_28ed3e26dd9078d0","chunk_index":7,"chunk_sha256":"4add0117f64fb38f1c5c951bf21e8181fa8956b3dada768a5492cdb2858bdae4","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_aae08e64227622e0","text_sha256":"4add0117f64fb38f1c5c951bf21e8181fa8956b3dada768a5492cdb2858bdae4","token_estimate":474,"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":"ExteriorWallsAndTrim\n\nCrawlSpace\n\nOther\n\nPier with Tie Down\n\nFoundation\n\ntrue\n\nComposition\n\nTypicalWearAndTear\n\nRoof\n\nC4\n\nQ4\n\n1\n\nPropane\n\nForcedWarmAir\n\nOutbuilding\n\ntrue\n\nBarn\n\n0\n\n500\n\ntrue\n\nOutbuilding\n\ntrue\n\nWorkshop\n\nHalfBathroom\n\n1\n\nElectricity\n\nSanitarySewer\n\nWater\n\n0\n\n1200\n\nPropertyPhoto\n\n\\\\Images\\MH1_Comp1.png\n\nimage/png\n\n65\n\n440000\n\nSettledSale\n\n25.165172\n\n-51.328126\n\nMagic Hill\n\nDeck\n\nDeck\n\nOutdoorLiving\n\n1\n\nIndoorFireplace\n\nWholeHome\n\n0\n\nDetached\n\n1\n\ntrue\n\n1\n\nC3\n\nQ4\n\nfalse\n\ntrue\n\nFeeSimple\n\nfalse\n\nfalse\n\nfalse\n\nMineralRights\n\nfalse\n\ntrue\n\ntrue\n\n2019-06-01\n\n12000\n\n2019-08-05\n\n435000\n\nSale\n\nTypicallyMotivated\n\nNone\n\nGravel\n\nRural\n\nfalse\n\nPark\n\nLake Virginia\n\nLake\n\ntrue\n\nShallowWater\n\nNone\n\nBodyOfWater\n\n40\n\ntrue\n\n4.93\n\nFull\n\nWoods\n\n456 Thirsty Ave\n\nSome City\n\nAlpine\n\n20141\n\nVA\n\n3\n\n25.165176\n\n-51.328122\n\nAssessorUnformattedIdentifier\n\n87498461513542100\n\n2017-01-01\n\n100000\n\nSale\n\n10\n\nLot: 123 Block: 321 Dry Road\n\nSome City\n\nAlpine\n\n20141\n\n2\n\n25.165175\n\n-51.328123\n\nAssessorUnformattedIdentifier\n\n654651354132\n\n2016-01-01\n\n150000\n\nSale\n\n3\n\n123 Water Front Dr\n\nSome City\n\nAlpine\n\n20141\n\nVA\n\n1\n\n25.165174\n\n-51.328124\n\nAssessorUnformattedIdentifier\n\n555666999000111\n\n2018-01-01\n\n200000\n\nSale\n\n4\n\nBL2345-1234567\n\nClient\n\nNowhere43215921\n\nValuationSoftwareVendor\n\nDepreciated cost for the barn and the garage are physical in nature. Cost of all structures are based off a lump sum estimate per square foot or per cubic foot of all components of the structure including their foundations. The comparative unit method is used to derive a cost estimate in terms of dollars per unit of area, or volume, based on known cost of similar structures that are adjusted for time, and physical differences. The cost estimate is then applied to the total building area.\nDepreciated site improvements include 2 decks, dock, utilities to site and electric to water front, fencing, and driveway.\n"} diff --git a/chunks/json/4ae7759b12e686a88142982e1b4fd4f52ed0744e85af78be48f0b46d9dcf3ad9.json b/chunks/json/4ae7759b12e686a88142982e1b4fd4f52ed0744e85af78be48f0b46d9dcf3ad9.json new file mode 100644 index 0000000000000000000000000000000000000000..5aaa1d47252af4cdd9b08e51cd65e2cb94cfc38e --- /dev/null +++ b/chunks/json/4ae7759b12e686a88142982e1b4fd4f52ed0744e85af78be48f0b46d9dcf3ad9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12789,"char_start":12312,"chunk_id":"chk_589de0c3d6f994bd","chunk_index":9,"chunk_sha256":"4ae7759b12e686a88142982e1b4fd4f52ed0744e85af78be48f0b46d9dcf3ad9","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"4ae7759b12e686a88142982e1b4fd4f52ed0744e85af78be48f0b46d9dcf3ad9","token_estimate":425,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Special Characters in XML .......................................................................................................................................................................................................... 29\n\nArcroles/Data Relationships ..................................................................................................................................................................................................................... 29\n"} diff --git a/chunks/json/4ae7c8024cc1234952866b74efc00bee0661e66eeba9d6cdb192a90ed614764f.json b/chunks/json/4ae7c8024cc1234952866b74efc00bee0661e66eeba9d6cdb192a90ed614764f.json new file mode 100644 index 0000000000000000000000000000000000000000..a6a74f0587557498d854d0aec881888b0d639d63 --- /dev/null +++ b/chunks/json/4ae7c8024cc1234952866b74efc00bee0661e66eeba9d6cdb192a90ed614764f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":250259,"char_start":248655,"chunk_id":"chk_4811db630c6a042d","chunk_index":142,"chunk_sha256":"4ae7c8024cc1234952866b74efc00bee0661e66eeba9d6cdb192a90ed614764f","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"4ae7c8024cc1234952866b74efc00bee0661e66eeba9d6cdb192a90ed614764f","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"One instance of LOAN_IDENTIFIER is always required with\nLoanIdentifierType = “LenderLoan”\n\nUp to 3 additional instances of LOAN_IDENTIFIER may be\nprovided as applicable.\n\nLOAN_DETAIL data points specified in UCD v2.0 are described below in alphabetical order. UCD v2.0 excerpt and XML snippet\nof LOAN_DETAIL data points close this section.\n\n1. ASSUMABLE\n\nThe AssumabilityIndicator value shows whether a subsequent purchaser may be permitted to assume the remaining loan\n\nobligation.\n\nFigure 78. Rendering AssumabilityIndicator on the CD.\n\nLoan Disclosures\n\n17.1 Assumption\n\n17.0\n\nIf you sell or transfer this property to another person, your lender\n\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\n2. BALLOON PAYMENT\n\nThe GSEs do not purchase loans with balloon payments, so the value for BalloonIndicator should always be “false”.\n\nFigure 79. Rendering BalloonIndicator on the CD.\n\nLoan Terms\n\n4.0\n\nDoes the loan have these features?\n\n4.5 Balloon Payment\n\n4.5.2 NO\n\n4.5.3\n\n3. TEMPORARY BUYDOWN SUBSIDY\n\nWhen the interest rate on the loan adjusts because the rate was bought down for a pre-determined period less than the\nnote term, the loan has a temporary buydown subsidy, the value of BuydownTemporarySubsidyFundingIndicator is “true”.\n\nUCD v2.0 Implementation Guide\n\n- 111 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\n4. CONSTRUCTION\n\nWhen the value of the ConstructionLoanIndicator is “true,” “Construction” can be rendered for the CD field 3.3 “Product”.\n"} diff --git a/chunks/json/4af7d0231a7cfae511479a61b5e1b760fce1f36af6d0ea2c43e91a50504b8d71.json b/chunks/json/4af7d0231a7cfae511479a61b5e1b760fce1f36af6d0ea2c43e91a50504b8d71.json new file mode 100644 index 0000000000000000000000000000000000000000..cf909f23633575b755c0567b7826171a18f89797 --- /dev/null +++ b/chunks/json/4af7d0231a7cfae511479a61b5e1b760fce1f36af6d0ea2c43e91a50504b8d71.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8621,"char_start":7001,"chunk_id":"chk_97d7651f78e329b8","chunk_index":4,"chunk_sha256":"4af7d0231a7cfae511479a61b5e1b760fce1f36af6d0ea2c43e91a50504b8d71","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"4af7d0231a7cfae511479a61b5e1b760fce1f36af6d0ea2c43e91a50504b8d71","token_estimate":405,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"SF NFA\n\n5\n\nFederal Housing\nFinance Agency\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nSingle-Family Properties\nNational File A\n\nField # Field\nWidth\n1\n\n11\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\nCategories 1-7 consolidate information on co-\nborrower race and ethnicity reported by the\nEnterprise. Categories 1 through 6 include\nonly co-borrowers not identified as Hispanic or\nLatino. Categories 1-5 include non-Hispanic\nor Latino co-borrowers identifying only one\nrace category. Category 6 includes non-\nHispanic or Latino co-borrowers identifying\ntwo or more races. Category 7 includes co-\nborrowers identified as Hispanic or Latino, of\nany race. Category 9 includes mortgages for\nwhich no co-borrower race or ethnicity is\nidentified, originally coded as information not\nprovided by the co-borrower in a mail or\ntelephone application, no co-borrower, not\napplicable, or not available.\n\n12\n\n1\n\nsex_borr\n\nBorrower Sex\n\n1 = Male\n2 = Female\n3 = Information is not provided by the\nborrower in a mail or telephone\napplication\n4 = Not applicable\n9 = Missing\n\nSF NFA\n\n6\n\nFederal Housing\nFinance Agency\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nSingle-Family Properties\nNational File A\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n"} diff --git a/chunks/json/4b01a33467cd11178ec3dc3cbf8f0ac9327fbe47720e3927e2f0e60c210455d7.json b/chunks/json/4b01a33467cd11178ec3dc3cbf8f0ac9327fbe47720e3927e2f0e60c210455d7.json new file mode 100644 index 0000000000000000000000000000000000000000..9d0c7e8437d6e7f3e10852468dfebf85997c610f --- /dev/null +++ b/chunks/json/4b01a33467cd11178ec3dc3cbf8f0ac9327fbe47720e3927e2f0e60c210455d7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17156,"char_start":15394,"chunk_id":"chk_fa58208782156274","chunk_index":8,"chunk_sha256":"4b01a33467cd11178ec3dc3cbf8f0ac9327fbe47720e3927e2f0e60c210455d7","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"4b01a33467cd11178ec3dc3cbf8f0ac9327fbe47720e3927e2f0e60c210455d7","token_estimate":441,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"II. Proposed Revisions to the PUDB\nMatrices\n\nTo determine the appropriate\n\ntreatment of the newly required data\nelements for purposes of the PUDB,\nFHFA asked each Enterprise to indicate\nwhether it is collecting the following\nmortgage purchase data and, if so, to\nprovide such data to FHFA for inclusion\nin the PUDB: (1) Single-family property\ntype; (2) multifamily lien status; (3)\nmultifamily borrower race or national\norigin 1–5; (4) multifamily co-borrower\nrace or national origin 1–5; (5)\nmultifamily borrower ethnicity; (6)\nmultifamily co-borrower ethnicity; (7)\nmultifamily borrower gender; (8)\nmultifamily co-borrower gender; (9)\nmultifamily rate spread; and (10)\nmultifamily HOEPA status.4 In response\nto FHFA’s request, the Enterprises\nprovided FHFA with single-family\nproperty type and multifamily lien\nstatus data. The Enterprises did not\nprovide the other information requested,\nwhich they stated they do not collect.\n\nFHFA also provided both Enterprises\n\nwith an opportunity to review and\ncomment on FHFA’s proposed revisions\nto the single-family and multifamily\nPUDB matrices. In addition, FHFA\nstated that it would consider any\nassertions by the Enterprises that the\nrelease of a specific data field would\nresult in the release of their proprietary\ndata, and would make a determination\non this matter in accordance with\napplicable statutory and regulatory\nrequirements. However, data fields that\nare required to be reported under\nHMDA at the census tract level,\npursuant to section 1323(a)(2) of the\nSafety and Soundness Act, as amended,\nare not subject to regulatory and\nstatutory processes for proprietary\ndeterminations that might otherwise\napply to the release of such data since\nthe disclosure of these data is explicitly\nrequired by statute.\n"} diff --git a/chunks/json/4b1e955a707f55e3c153d1951ce216f49c3f60fbc3bf396585fe88749731053c.json b/chunks/json/4b1e955a707f55e3c153d1951ce216f49c3f60fbc3bf396585fe88749731053c.json new file mode 100644 index 0000000000000000000000000000000000000000..1e9c8070f218be38d9b8ba5aace4b174b2b7d234 --- /dev/null +++ b/chunks/json/4b1e955a707f55e3c153d1951ce216f49c3f60fbc3bf396585fe88749731053c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11921,"char_start":10235,"chunk_id":"chk_f7f1d1bea8cf56cd","chunk_index":6,"chunk_sha256":"4b1e955a707f55e3c153d1951ce216f49c3f60fbc3bf396585fe88749731053c","date_utc":"2026-01-27T17:47:54+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_dc3d7c283d7ddef8","text_sha256":"4b1e955a707f55e3c153d1951ce216f49c3f60fbc3bf396585fe88749731053c","token_estimate":525,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Contact_Us___FHFA_npuaxm.md"]},"text":"**Media**\n\nMedia please contact: [MediaInquiries@FHFA.gov](mailto:MediaInquiries@FHFA.gov).\n\n**Congressional Affairs**\n\nMembers of Congress or staff please contact: the Office of Congressional Affairs at [CongressionalAffairs@FHFA.gov](mailto:CongressionalAffairs@FHFA.gov).\n\n**Webmaster**\n\nReport technical difficulties or accessibility issues to [FHFAwebmaster@FHFA.gov](mailto:FHFAwebmaster@FHFA.gov).\n\n**Report Waste, Fraud or Abuse**\n\nContact the FHFA Office of Inspector General [www.fhfaoig.gov](https://www.fhfaoig.gov).\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/4b3e21760c2c173a187d265a1e8166056a73de0b150c2a532dbdb6aace6e115a.json b/chunks/json/4b3e21760c2c173a187d265a1e8166056a73de0b150c2a532dbdb6aace6e115a.json new file mode 100644 index 0000000000000000000000000000000000000000..a6a62844795b9c75fb47022099dc7c5f6700bf0d --- /dev/null +++ b/chunks/json/4b3e21760c2c173a187d265a1e8166056a73de0b150c2a532dbdb6aace6e115a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8635,"char_start":7071,"chunk_id":"chk_6ee3ab0b853ad72c","chunk_index":4,"chunk_sha256":"4b3e21760c2c173a187d265a1e8166056a73de0b150c2a532dbdb6aace6e115a","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_970d25bb86fc355d","text_sha256":"4b3e21760c2c173a187d265a1e8166056a73de0b150c2a532dbdb6aace6e115a","token_estimate":406,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Conservatorship___FHFA_uqjmm.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n![Lincoln memorial with the Washington Monument appearing between the pillars](/sites/default/files/styles/desktop_hero/public/2025-04/hero-5.jpg.webp?itok=W6yiIudy)\n\n# Conservatorship\n\nAs the conservator of Fannie Mae and Freddie Mac, we help guide their business decisions to protect America’s homeowners and build a sound infrastructure for future mortgage finance markets.\n"} diff --git a/chunks/json/4b4005e32b8f716f53dac6d647f223d8b3649c1e97c8f483cfd3f5fef6a77dc4.json b/chunks/json/4b4005e32b8f716f53dac6d647f223d8b3649c1e97c8f483cfd3f5fef6a77dc4.json new file mode 100644 index 0000000000000000000000000000000000000000..d7aa99202739dc0c1c3d0a18278b5fcb094db8af --- /dev/null +++ b/chunks/json/4b4005e32b8f716f53dac6d647f223d8b3649c1e97c8f483cfd3f5fef6a77dc4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":52359,"char_start":50761,"chunk_id":"chk_7df0cec1e0cf3b42","chunk_index":28,"chunk_sha256":"4b4005e32b8f716f53dac6d647f223d8b3649c1e97c8f483cfd3f5fef6a77dc4","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"4b4005e32b8f716f53dac6d647f223d8b3649c1e97c8f483cfd3f5fef6a77dc4","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":"Will be constructed after the lease is executed.\n\nThe initial land rent should be established as a percentage\nof the appraised value of the land on the date that the\nlease is executed.\n\nThe purchase price may be adjusted annually during the\nterm of the lease to reflect the percentage increase or\ndecrease in the index from the preceding year.\n\nLeases may be offered with or without a limitation on\nincreases or decreases in the rent payments.\n\nThe purchase price of the land should be the lower of the\nfollowing:\n\n•\n\n•\n\nthe current appraised value of the land, or\n\nthe amount that results when the percentage of\nthe total original appraised value that\nrepresented the land alone is applied to the\ncurrent appraised value of the land and\nimprovements.\n\nFor example, assume that the total original appraised\nvalue for a property was $160,000, and the land alone was\nvalued at $40,000 (thus representing 25% of the total\nappraised value). If the current appraised value is\n$225,000, $50,000 for land and $175,000 for improvements,\nthe purchase price would be $50,000 (the current\nappraised value of the land, because it is less than 25% of\n$225,000).\n\nNote: If the lease is tied to an external index, the initial\nland value may not exceed 40% of the combined\nappraised value of the land and improvements.\n\nExceptions to Leasehold Requirements\n\nLeasehold estates granted by community land trusts and high LTV refinance loans secured by leasehold estates are not subject to\nthe requirements in this topic. See Selling Guide B5-5.3-02, Shared Equity Transactions: General Requirements, B5-5.3-03, Shared\n"} diff --git a/chunks/json/4b4fd6633660685d8da0ca3c0e8e1a6ae993fd6694527126c435a77adca8624e.json b/chunks/json/4b4fd6633660685d8da0ca3c0e8e1a6ae993fd6694527126c435a77adca8624e.json new file mode 100644 index 0000000000000000000000000000000000000000..bef68ba82cdd0570795bdb348f00e4ef24cfda4f --- /dev/null +++ b/chunks/json/4b4fd6633660685d8da0ca3c0e8e1a6ae993fd6694527126c435a77adca8624e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":86925,"char_start":85074,"chunk_id":"chk_80023bdab4aebdcf","chunk_index":83,"chunk_sha256":"4b4fd6633660685d8da0ca3c0e8e1a6ae993fd6694527126c435a77adca8624e","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"4b4fd6633660685d8da0ca3c0e8e1a6ae993fd6694527126c435a77adca8624e","token_estimate":463,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"29.036\n\n16. I have identified the differences between the subject and comparable properties, analyzed the market reaction to those differences, and\nreflected those differences in the analysis.\n\n29.037\n\n17. To the extent possible, I verified, from a disinterested source, all information in this report that was provided by parties who have a financial\ninterest in the sale or financing of the subject property.\n\n29.038\n\n18. I have taken into consideration the factors that have an impact on value with respect to the subject property, and its location, including its\nproximity to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions\n(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental\nconditions, etc.) that I became aware of during the development of this appraisal. I have considered these adverse conditions in my analysis of\nthe property value and have reported on the effect of the conditions on the value and marketability of the subject property.\n\n29.039\n\n19. 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\n29.040\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"} diff --git a/chunks/json/4b56f8d39c4d8c5f449a8ad373fd6d26335aaad91d339bc803247403d48bd7be.json b/chunks/json/4b56f8d39c4d8c5f449a8ad373fd6d26335aaad91d339bc803247403d48bd7be.json new file mode 100644 index 0000000000000000000000000000000000000000..86f4f12291a641a5480465d2680ea79f6a99fbba --- /dev/null +++ b/chunks/json/4b56f8d39c4d8c5f449a8ad373fd6d26335aaad91d339bc803247403d48bd7be.json @@ -0,0 +1 @@ +{"chunk":{"char_end":741831,"char_start":740218,"chunk_id":"chk_e23c020e5c74b66d","chunk_index":442,"chunk_sha256":"4b56f8d39c4d8c5f449a8ad373fd6d26335aaad91d339bc803247403d48bd7be","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"4b56f8d39c4d8c5f449a8ad373fd6d26335aaad91d339bc803247403d48bd7be","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Page 332 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n26 Reconciliation\n\nExample 1. Cost to Repair Reporting Method is None\n\nExample 2. Cost to Repair Reporting Method is Total Cost\n\nAppendix F-1: URAR Reference Guide\n\nPage 333 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n26 Reconciliation\n\nExample 3. Cost to Repair Reporting Method is Itemized\n\nAs Is Overall Condition Rating\n\nReconciliation: As Is Overall Condition Rating\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n26.071 As Is Overall\n\nCondition Rating\n\nRequired if New\nConstruction is No, and\nMarket Value\nCondition is Subject to\nCompletion Per Plans\nor Subject to Repair\n\nAllowable\nAnswers / Format\n\nC1 to C6\n\n26.071 N/A\n\nDisplays when As Is\nOverall Condition\nRating displays\n\nN/A\n\nReconciliation Exhibits\n\nDefinition / Additional Guidance\n\nProvide the As Is Overall Condition Rating reflecting the property’s current\ncondition if Market Value Condition is any of the following:\n•\nSubject to Completion Per Plans (such as an addition)\n•\nSubject to Repair\n\nNotes:\n•\n\nReference Appendix 2: Condition and Quality Rating Definitions for\ndefinitions.\n\nExisting condition of the property as of the effective date of this appraisal,\nexcluding all required repairs, alterations, or inspections\n\nAll photos or images related to the Reconciliation section are displayed in the Reconciliation Exhibits\nsubsection. If there are no photos or images, this subsection does not display.\n\nReconciliation Exhibits\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nSee\niGuide\n\nReconciliation\nExhibits\n\nIf applicable\n\nPhotos or images\n"} diff --git a/chunks/json/4b65051d226171636d03630723e53d0dcd62f545862fef73259d216357a1c0b4.json b/chunks/json/4b65051d226171636d03630723e53d0dcd62f545862fef73259d216357a1c0b4.json new file mode 100644 index 0000000000000000000000000000000000000000..86919588ecc89b251d2cc77c79bf5a8f53453e15 --- /dev/null +++ b/chunks/json/4b65051d226171636d03630723e53d0dcd62f545862fef73259d216357a1c0b4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9027,"char_start":7097,"chunk_id":"chk_e35e43e75709579c","chunk_index":4,"chunk_sha256":"4b65051d226171636d03630723e53d0dcd62f545862fef73259d216357a1c0b4","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4580f1573ff8d25b","text_sha256":"4b65051d226171636d03630723e53d0dcd62f545862fef73259d216357a1c0b4","token_estimate":481,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Suspended_Counterparty_Program___FHFA_jjvnra.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# Suspended Counterparty Program\n\nFHFA established the Suspended Counterparty Program to help address the risk to Fannie Mae, Freddie Mac, and the Federal Home Loan Banks presented by individuals and entities with a history of fraud or other financial misconduct.\n\nFHFA established the Suspended Counterparty Program ([12 CFR part 1227](https://www.ecfr.gov/current/title-12/chapter-XII/subchapter-B/part-1227)) to help address the risk to Fannie Mae, Freddie Mac, and the Federal Home Loan Banks (“the regulated entities”) presented by individuals and entities with a history of fraud or other financial misconduct. Under this program, FHFA may issue orders suspending an individual or entity from doing business with the regulated entities.\n"} diff --git a/chunks/json/4b6d9c5071a534dbe5a57c27634c05c0f118c776bfb306a01f97caa4acd50712.json b/chunks/json/4b6d9c5071a534dbe5a57c27634c05c0f118c776bfb306a01f97caa4acd50712.json new file mode 100644 index 0000000000000000000000000000000000000000..4fc0e01d5b0a3ba79e7cd91c1e55cc952eb09ac1 --- /dev/null +++ b/chunks/json/4b6d9c5071a534dbe5a57c27634c05c0f118c776bfb306a01f97caa4acd50712.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20721,"char_start":18793,"chunk_id":"chk_3adbb0adf50bd289","chunk_index":10,"chunk_sha256":"4b6d9c5071a534dbe5a57c27634c05c0f118c776bfb306a01f97caa4acd50712","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_9a8b7dcd848f50e9","text_sha256":"4b6d9c5071a534dbe5a57c27634c05c0f118c776bfb306a01f97caa4acd50712","token_estimate":549,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Technology_Integration_Resources___Fannie_Mae.md"]},"text":"##### Test Cases\n\n- [URAR: No UAD Findings](/media/document/xml/sf1appraisalv1-no-uad-findings)\n- [URAR: UAD Findings](/media/document/xml/sf1appraisalv2-uad-findings-response)\n- [Appraisal Update: No UAD Findings](/media/document/xml/au1appraisalupdateno-findings)\n- [Appraisal Update: UAD Findings](/media/document/xml/au1appraisalupdateuad-findings)\n- [Completion Report: No UAD Findings](/media/document/xml/cr1completionreportno-findings)\n- [Completion Report: UAD Findings](/media/document/xml/cr1completionreportuad-findings)\n\nUniform Closing Dataset (UCD)\n\n##### Integration Impact Memos\n\n- [UCD Spec and Schema Changes | July 7, 2025](/media/document/pdf/ucd-spec-and-schema-changes-july-7-2025)\n- [UCD Collection Solution Maintenance Window Change Integration Impact Memo | Oct. 5, 2023](/media/document/pdf/ucd-collection-solution-maintenance-window-change-integration-impact-memo)\n- [Quick Guide for UCD Enhancements | Oct. 12, 2022](/media/document/pdf/quick-guide-ucd-enhancements-oct-12-2022)\n- [UCD B2B Gateway Cloud Migration Integration Impact Memo | July 13, 2022](/media/document/pdf/ucd-b2b-gateway-cloud-migration-integration-impact-memo-july-13-2022)\n- [UCD Critical Edits Updates – Phases 1 and 2 | Dec. 2, 2021](/media/document/pdf/ucd-critical-edits-updates-phases-1-and-2-dec-2-2021)\n\n##### Release Notes\n\n- [2025 UCD Release Notes](/media/document/pdf/2025-ucd-release-notes)\n- [2024 UCD Release Notes](https://singlefamily.fanniemae.com/media/document/pdf/2024-ucd-release-notes)\n- [2023 UCD Release Notes](https://singlefamily.fanniemae.com/media/document/pdf/2023-ucd-release-notes)\n- [2022 UCD Release Notes](https://singlefamily.fanniemae.com/media/30371/display)\n- [2021 UCD Release Notes](https://singlefamily.fanniemae.com/media/25901/display)\n- [2020 UCD Release Notes](/media/document/pdf/2020-ucd-release-notes)\n- [2019 UCD Release Notes](/media/document/pdf/2019-ucd-release-notes)\n"} diff --git a/chunks/json/4b733d52fd3c8efca855c846e15bfb328d989e7f00ad08c8810b17c3713ab07e.json b/chunks/json/4b733d52fd3c8efca855c846e15bfb328d989e7f00ad08c8810b17c3713ab07e.json new file mode 100644 index 0000000000000000000000000000000000000000..2c37ac5f14c5282ede082e0ee2b0b6b9f1a21c02 --- /dev/null +++ b/chunks/json/4b733d52fd3c8efca855c846e15bfb328d989e7f00ad08c8810b17c3713ab07e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3342,"char_start":1739,"chunk_id":"chk_4e5df53870d9b386","chunk_index":1,"chunk_sha256":"4b733d52fd3c8efca855c846e15bfb328d989e7f00ad08c8810b17c3713ab07e","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_2f661b7c8dc0733b","text_sha256":"4b733d52fd3c8efca855c846e15bfb328d989e7f00ad08c8810b17c3713ab07e","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-integration-impact-memo-nov-19-2022.pdf"]},"text":"Desktop Originator® (DO®)/(DU) User Interface\n\nIf positive rental history on an FHA Purchase loan casefile is indicated by a “Yes” selection in the Positive Rental\nHistory pull down menu, DU will issue message ID 2476. See UI screen shots below:\n\n© 2022 Fannie Mae. Trademarks of Fannie Mae.\n\n10.19.22 1 of 4\n\n© 2022 Fannie Mae. Trademarks of Fannie Mae.\n\n10.19.22 2 of 4\n\nAdditional Resources\n\nFor additional information, please reference the documents and web sites listed below.\n\nDocument Name and Description URL\n\nOnline HUD\nHandbook 4000.1\n\nhttp://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sf\nh/handbook_4000-1\n\nHUD Mortgagee Letters\n\nhttps://www.hud.gov/hudclips/letters/mortgagee\n\nFHA Mortgage Limits\n\nhttps://entp.hud.gov/idapp/html/hicostlook.cfm\n\nCHUMS Data Files\n\nhttp://www.hud.gov/pub/chums/file_layouts.html\n\nFHA Resource Center: Contact\nInformation and FAQs\n\nhttp://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/fharesourcectr\n\n© 2022 Fannie Mae. Trademarks of Fannie Mae.\n\n10.19.22 3 of 4\n\nRelease Support\n\nThe DU for government loans release will be implemented in the DU integration environment on or about Oct. 26,\n2022. Integration partners will be notified via e-mail from Integration News (integration_news@fanniemae.com) after\nimplementation.\n\nIf you have questions about the integration impact or if you require support specific to this release, contact\nIntegration Support. For more information about DU, visit the DU & DO web page or contact your Fannie Mae Business\nAccount Management Solutions (BAMS) team or your Digital Alliances Manager.\n"} diff --git a/chunks/json/4b755fed25695b31494a1dc6eaa2869dca082ea31f27348fac2653cd11331c0c.json b/chunks/json/4b755fed25695b31494a1dc6eaa2869dca082ea31f27348fac2653cd11331c0c.json new file mode 100644 index 0000000000000000000000000000000000000000..f85cedfd20510e204e829eb2ab3fdbfe8d53e642 --- /dev/null +++ b/chunks/json/4b755fed25695b31494a1dc6eaa2869dca082ea31f27348fac2653cd11331c0c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":67874,"char_start":66216,"chunk_id":"chk_b44e835b2558ee3a","chunk_index":39,"chunk_sha256":"4b755fed25695b31494a1dc6eaa2869dca082ea31f27348fac2653cd11331c0c","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"4b755fed25695b31494a1dc6eaa2869dca082ea31f27348fac2653cd11331c0c","token_estimate":415,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"o Illustrates the treatment of common areas (stairwell and landings) in the Gross Building\n\nFinished Area row.\n\no Includes a time adjustment in the Contract Date row.\n\n•\n\nRental Information\n\no Six rental comps, two from each comparable property\n\n▪\n▪\n\nComps 1, 3, and 5 were first floor units and compared to subject units A and B\nComps 2, 4, and 6 were second floor units and compared to subject units C and\nD\n\no Additional row for Amenities\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\n171 COWBOY LN, ANYPLACE, TX 01234\n\nSUMMARY\n\nOpinion of Market Value\n\n$785,000\n\nMarket Value Condition\n\nAs Is\n\n+.5 li #\n\nonly in\n\nSummary\n\nEffective Date of Appraisal\nAssignment Reason\nBorrower Name\nCurrent Owner of Public Record\nListing Status\n\n05/01/2023\nRefinance\nJohn Seller\nJohn Seller\nNone\n\nProperty Valuation Method\nAppraiser Name\n\nTraditional Appraisal\nJohn P. 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\nC3\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\n4\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"} diff --git a/chunks/json/4b9d41fde232ae2bf4bbaadd4b9c8ebbff490bf9ff694adb1b4fa009dee87cae.json b/chunks/json/4b9d41fde232ae2bf4bbaadd4b9c8ebbff490bf9ff694adb1b4fa009dee87cae.json new file mode 100644 index 0000000000000000000000000000000000000000..1e7c18635a7a6b9d53a48328963e929d0b05c15b --- /dev/null +++ b/chunks/json/4b9d41fde232ae2bf4bbaadd4b9c8ebbff490bf9ff694adb1b4fa009dee87cae.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13811,"char_start":12188,"chunk_id":"chk_f4a7beaeaea05abe","chunk_index":7,"chunk_sha256":"4b9d41fde232ae2bf4bbaadd4b9c8ebbff490bf9ff694adb1b4fa009dee87cae","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7b5579c3b7f547d3","text_sha256":"4b9d41fde232ae2bf4bbaadd4b9c8ebbff490bf9ff694adb1b4fa009dee87cae","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Dashboards___FHFA_t6nioe.md"]},"text":"- ## Mortgage Loan and Natural Disaster Dashboard\n\nFHFA’s interactive Mortgage Loan and Natural Disaster Dashboard maps 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.\n\n[View More](/data/dashboard/mortgage-loan-and-natural-disaster)\n\n- ## ​UAD Aggregate Statistics Top 100 Metro Areas Dashboard\n\nAn interactive list ranking the 100 largest metropolitan areas by annual and quarterly change in median appraised value.\n\n[View More](/data/dashboard/uad-aggregate-statistics-top-100-metro-areas-dashboard)\n\n- ## Borrower Assistance Map\n\nBorrower Assistance Map provides data on the performance of the Enterprises’ single-family loans and the level of assistance being provided to distressed borrowers including home retention and foreclosure alternative actions by state.\n\n[View More](/data/dashboard/borrower-assistance-map)\n\n- ## Duty to Serve High-Needs Counties Map\n\nThe Duty to Serve High-Needs Counties Map is an interactive map that highlights counties where census tracts that are categorized as Duty to Serv High-Needs Rural Regions are located. These include Persistent Poverty Counties, Middle Appalachia, Lower Mississippi Delta, and Colonias. 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"} diff --git a/chunks/json/4fc415619f11c8ba1f8a07477cc006960139f784b55ca0ddb2f6e666f1669adf.json b/chunks/json/4fc415619f11c8ba1f8a07477cc006960139f784b55ca0ddb2f6e666f1669adf.json new file mode 100644 index 0000000000000000000000000000000000000000..61aa55188454338766cafe1ee03596e999077c6b --- /dev/null +++ b/chunks/json/4fc415619f11c8ba1f8a07477cc006960139f784b55ca0ddb2f6e666f1669adf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13366,"char_start":11723,"chunk_id":"chk_aa3784923c76ac0c","chunk_index":7,"chunk_sha256":"4fc415619f11c8ba1f8a07477cc006960139f784b55ca0ddb2f6e666f1669adf","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"4fc415619f11c8ba1f8a07477cc006960139f784b55ca0ddb2f6e666f1669adf","token_estimate":411,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"Manufactured Home\n\nManufacturer Name\nYear Installed\nMoved Since Original Installation\n\nAttached to Permanent\nFoundation\nTowing Hitch, Wheels, Axles\nRemoved\nManufactured Home Width\nSkirting\n\nYes No\nHave there been any modifications, attachments, or additions that rely on or have altered the original structure for support?  \n\nModification, Attachment, or Addition\n\nDescription of Modification, Attachment, or Addition\n\nHUD Data Plate\n\nHUD Data Plate Attached\nDate of Manufacture\nSerial Number\n\nHUD Certification Label\n\nLabel Present for All Sections\n\nManufactured Home Certification Program\n\nCertification\n\nIdentifier\n\nInvoice Information\n\nPurchased from Retailer\nRetailer Name\n\nCommentary on Why Invoice(s) Not Reasonable\n\nManufactured Home Commentary\n\nManufactured Home Exhibits\n\nHUD Wind Zone\nHUD Thermal Zone\nHUD Roof Load Zone\n\nHUD Certification Number\n\nRetailer’s Invoice Reviewed\nManufacturer’s Invoice Reviewed\nInvoice(s) Appear Reasonable\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\nUnit Interior - [Outbuilding Type] - [Structure Identifier] - [Unit Identifier]\n\nLevels in Unit\nFloor Number\nCorner Unit\nOccupancy\nUtilities Separately Metered\nUtilities Operating\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\nNon-Residential Use in Unit\nLive/Work Space\n\nAllowable Work Space\n\nYes No\n \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"} diff --git a/chunks/json/4fd28f1889f4f71d8a1b150f51644058447c7e22b17a12c9052889beb4f5321f.json b/chunks/json/4fd28f1889f4f71d8a1b150f51644058447c7e22b17a12c9052889beb4f5321f.json new file mode 100644 index 0000000000000000000000000000000000000000..d5ee82eacad40bb7c0dcb5378bbdcba7f3e68b03 --- /dev/null +++ b/chunks/json/4fd28f1889f4f71d8a1b150f51644058447c7e22b17a12c9052889beb4f5321f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":284615,"char_start":283017,"chunk_id":"chk_59da2b03e6354a55","chunk_index":164,"chunk_sha256":"4fd28f1889f4f71d8a1b150f51644058447c7e22b17a12c9052889beb4f5321f","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"4fd28f1889f4f71d8a1b150f51644058447c7e22b17a12c9052889beb4f5321f","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"HUD Wind Zone\nHUD Thermal Zone\nHUD Roof Load Zone\n\nZone I\nZone 3\nSouth\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 8 of 30\nPage 8 of 30\n\nManufactured Home (continued)\n\nHUD Certification Label\n\nLabel Present for All Sections\n\nYes\n\nHUD Certification Number\n\nore369497\nore369498\n\nInvoice Information\n\nPurchased from Retailer\nRetailer Name\n\nYes\nGood Deal Manufactured\nHomes\n\nRetailer’s Invoice Reviewed\nYes\nManufacturer’s Invoice Reviewed Yes\nYes\nInvoice(s) Appear Reasonable\n\nManufactured Home Commentary\n\nThis was a new Manufactured home installed with existing site structures which is why the home is newer than other structures and amenities.\n\nManufactured Home Exhibits\n\nFoundation\n\nHUD Data Plate\n\nThis is where the Manufactured Home Foundation photo\nwould display.\n\nHUD Certification Label\n\nHUD Certification Label\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 9 of 30\nPage 9 of 30\n\nManufactured Home (continued)\n\nRetailer’s Invoice\n\nThis is where the Retailer’s Invoice photo would display.\n\nAppraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1)\n\nUniform Residential Appraisal Report\n\nPage 10 of 30\nPage 10 of 30\n\nManufactured Home (continued)\n\nManufacturer’s Invoice\n"} diff --git a/chunks/json/4fd42d19fa5af6cc0f89bae652308ae3b69721118498524a955c6e591c5cff90.json b/chunks/json/4fd42d19fa5af6cc0f89bae652308ae3b69721118498524a955c6e591c5cff90.json new file mode 100644 index 0000000000000000000000000000000000000000..cfae544ae6bb2483ae627166076f007cf9c27ddc --- /dev/null +++ b/chunks/json/4fd42d19fa5af6cc0f89bae652308ae3b69721118498524a955c6e591c5cff90.json @@ -0,0 +1 @@ +{"chunk":{"char_end":372455,"char_start":370810,"chunk_id":"chk_2900ce4dd3cf6674","chunk_index":220,"chunk_sha256":"4fd42d19fa5af6cc0f89bae652308ae3b69721118498524a955c6e591c5cff90","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"4fd42d19fa5af6cc0f89bae652308ae3b69721118498524a955c6e591c5cff90","token_estimate":411,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Any other items that do not require repair, replacement, or inspection may also be reported using the\nRecommended Action of None. Example:\n\nReference the appropriate government agency appraisal guidelines for specific requirements.\n\nApparent Defects, Damages, Deficiencies (Outbuilding)\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n12.018 N/A\n\n12.019 N/A\n\n12.019 N/A\n\nDisplay only\n\nRequired for each\noutbuilding when\nOutbuilding\nConsidered Real\nProperty is Yes\n\nAllowable\nAnswers / Format\n\nN/A\n\nYes |No\n\nDefinition / Additional Guidance\n\nOutbuilding Type redisplays from 12.001.\n\nOutbuilding Defects Exist: Indicates whether there are apparent defects,\ndamages, or deficiencies related to the outbuilding.\n•\n\nIf No, “None” displays and the Apparent Defects, Damages, Deficiencies\n(Outbuilding) table does not display.\n\nDisplays when\nOutbuilding Defects\nExist is Yes\n\nN/A\n\nThe items listed below represent the As Is condition as of the effective date of\nthis report\n\nAppendix F-1: URAR Reference Guide\n\nPage 157 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n12 Outbuilding\n\nInformation About Each Defect, Damage, or Deficiency\n\nApparent Defects, Damages, Deficiencies (Outbuilding)\n\nDefinition / Additional Guidance\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n12.020\n\nFeature\n\nRequired for each\ndefect, damage, or\ndeficiency\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nRoof\n\n•\nExterior Walls and Trim\n•\nFlooring\n•\nFoundation\n• Mechanical System\n•\n• Walls and Ceiling\n• Windows\n•\nNotes:\n•\n\nOther (Describe)\n\n12.021\n\nLocation\n\nRequired for each\ndefect, damage, or\ndeficiency\n"} diff --git a/chunks/json/4fd8ebe7f2b2106f464f4816afe071383cbd29e37a63075351ac25c406719037.json b/chunks/json/4fd8ebe7f2b2106f464f4816afe071383cbd29e37a63075351ac25c406719037.json new file mode 100644 index 0000000000000000000000000000000000000000..d418675e76f20d3bd8e20b9c9963d03cfe2224ad --- /dev/null +++ b/chunks/json/4fd8ebe7f2b2106f464f4816afe071383cbd29e37a63075351ac25c406719037.json @@ -0,0 +1 @@ +{"chunk":{"char_end":565960,"char_start":563856,"chunk_id":"chk_dd80509d14c59f88","chunk_index":326,"chunk_sha256":"4fd8ebe7f2b2106f464f4816afe071383cbd29e37a63075351ac25c406719037","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"4fd8ebe7f2b2106f464f4816afe071383cbd29e37a63075351ac25c406719037","token_estimate":526,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Intended Use\n\nThe intended use of the opinions and conclusions contained in this appraisal report is for the intended user to evaluate the property that is the\nsubject of this appraisal for a mortgage finance transaction or related activities.\n\nIntended User\n\nThe intended user of this report is the lender/client.\n\nDefinition of Market Value\n\nThe most probable price that a property should bring in a competitive and open market under all conditions requisite to a fair sale with the\nbuyer and seller each acting prudently and knowledgeably, and assuming the price is not affected by undue stimulus. Implicit in this definition\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/4fdf023ef624d91b0aa00219c7f88099a797e6d9eb85fb4a53ddb1157d380605.json b/chunks/json/4fdf023ef624d91b0aa00219c7f88099a797e6d9eb85fb4a53ddb1157d380605.json new file mode 100644 index 0000000000000000000000000000000000000000..5214222a887acced60236b7c67806d8990fc07de --- /dev/null +++ b/chunks/json/4fdf023ef624d91b0aa00219c7f88099a797e6d9eb85fb4a53ddb1157d380605.json @@ -0,0 +1 @@ +{"chunk":{"char_end":199416436,"char_start":0,"chunk_id":"chk_df99040db18bd749","chunk_index":0,"chunk_sha256":"4fdf023ef624d91b0aa00219c7f88099a797e6d9eb85fb4a53ddb1157d380605","date_utc":"2026-01-27T18:00:19+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_9fc2dd2941d949e9","text_sha256":"4fdf023ef624d91b0aa00219c7f88099a797e6d9eb85fb4a53ddb1157d380605","token_estimate":1000,"warnings":["source_path=ent_uad_puf_annual_csv_v2_1/_.csv/ent_uad_puf_2020_v2_1.csv","exceeds_max_chunk_chars_truncated"]},"text":"record_id: 2000292431000 | year: 2020 | weight: 20 | state_fips_2010: 06 | state_fips_2020: NA | county_fips_2010: 06001 | county_fips_2020: NA | tract_fips_2010: 06001432600 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 1 | marketing_time: 1 | sales_range_high: 35000 | sales_range_low: 25000 | updated_last_15_years: 1 | lot_size: 9 | quality: 4 | condition: 3 | bathrooms: 1 | bedrooms: 1 | gross_living_area: 9 | median_adjustment: -200 | average_adjustment: -314 | adjusted_price: NA | number_comparables: 5 | same_tract_percent: 43 | calculated_proximity: 0.49 | reported_proximity: 0.49 | value_sale_comparison: 35000 | value_cost: 35000 | value_income: NA | appraised_value: 35000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2\nrecord_id: 2000013433000 | year: 2020 | weight: 20 | state_fips_2010: 24 | state_fips_2020: NA | county_fips_2010: 24021 | county_fips_2020: NA | tract_fips_2010: 24021751202 | 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: 1 | sales_range_high: 55000 | sales_range_low: 45000 | updated_last_15_years: 1 | lot_size: 9 | quality: 2 | condition: 2 | bathrooms: 3 | bedrooms: 3 | gross_living_area: 9 | median_adjustment: -681 | average_adjustment: -519 | adjusted_price: NA | number_comparables: 4 | same_tract_percent: 40 | calculated_proximity: 1.07 | reported_proximity: 1.17 | value_sale_comparison: 45000 | value_cost: 45000 | value_income: NA | appraised_value: 45000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2\nrecord_id: 2000016028000 | year: 2020 | weight: 20 | state_fips_2010: 06 | state_fips_2020: NA | county_fips_2010: 06067 | county_fips_2020: NA | tract_fips_2010: 06067007204 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 2 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 1 | marketing_time: 1 | sales_range_high: 25000 | sales_range_low: 15000 | updated_last_15_years: 1 | lot_size: 3 | quality: 4 | condition: 3 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 9 | median_adjustment: -14650 | average_adjustment: -13342 | adjusted_price: 15000 | number_comparables: 4 | same_tract_percent: 67 | calculated_proximity: 0.49 | reported_proximity: 0.49 | value_sale_comparison: 15000 | value_cost: 15000 | value_income: NA | appraised_value: 15000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2\nrecord_id: 2000078773000 | year: 2020 | weight: 20 | state_fips_2010: 06 | state_fips_2020: NA | county_fips_2010: 06061 | county_fips_2020: NA | tract_fips_2010: 06061021037 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 2 | contract_price: NA | built_up: 2 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 1 | marketing_time: 1 | sales_range_high: 35000 | sales_range_low: 35000 | updated_last_15_years: 2 | lot_size: 1 | quality: 4 | condition: 3 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 9 | median_adjustment: -2500 | average_adjustment: -7750 | adjusted_price: 25000 | number_comparables: 4 | same_tract_percent: 100 | calculated_proximity: 0.14 | reported_proximity: 0.2 | value_sale_comparison: 25000 | value_cost: NA | value_income: 25000 | appraised_value: 25000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2\nrecord_id: 2000074719000 | year: 2020 | weight: 20 | state_fips_2010: 39 | state_fips_2020: NA | county_fips_2010: 39049 | county_fips_2020: NA | tract_fips_2010: 39049009450 | 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: 215000 | sales_range_low: 215000 | updated_last_15_years: 1 | lot_size: 2 | quality: 4 | condition: 3 | bathrooms: 3 | bedrooms: 2 | gross_living_area: 3 | media\n"} diff --git a/chunks/json/50057767455fb8561bf774d7d00159515d5f1f65ebfba03e2b3b4d87ae9bcc8a.json b/chunks/json/50057767455fb8561bf774d7d00159515d5f1f65ebfba03e2b3b4d87ae9bcc8a.json new file mode 100644 index 0000000000000000000000000000000000000000..442cbd13e31e75210e0aff2556a2c1c073963013 --- /dev/null +++ b/chunks/json/50057767455fb8561bf774d7d00159515d5f1f65ebfba03e2b3b4d87ae9bcc8a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8054,"char_start":6457,"chunk_id":"chk_60185f6b3c141029","chunk_index":4,"chunk_sha256":"50057767455fb8561bf774d7d00159515d5f1f65ebfba03e2b3b4d87ae9bcc8a","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_d9cc5b9cb097cb8d","text_sha256":"50057767455fb8561bf774d7d00159515d5f1f65ebfba03e2b3b4d87ae9bcc8a","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.xml/Condo1_Appraisal_v1.3.xml"]},"text":"true\n\nFeeSimple\n\ntrue\n\nfalse\n\nfalse\n\n2019-05-19\n\n2019-06-19\n\n778000\n\nSale\n\nNone\n\ntrue\n\nFull\n\nResidential\n\n1633 Hundred Ave\n\nUnit\n\n801\n\nNowhere\n\n90021\n\nCA\n\nCommonCarport\n\n2\n\nUnassigned\n\n0\n\nFinancingMethod\n\n0\n\nSalesConcessions\n\n0\n\nContractDate\n\n0\n\nSaleDate\n\n0\n\nProjectInformation\n\n0\n\nNeighborhoodName\n\n0\n\nYearBuilt\n\n-5000\n\nLivingUnitFloorNumber\n\n30000\n\nVehicleStorage\n\n0\n\nLivingUnitStandardFinishedAreaAboveGrade\n\n819000\n\nSouthEast\n\nLess\n\nfalse\n\nVA\n\nfalse\n\n678\n\n2\n\n0.47\n\n25000\n\nfalse\n\n525\n\nMonthly\n\nAssociationDues\n\nAssociationSpecialAssessment\n\nNone\n\ntrue\n\nDwelling\n\n1986\n\nfalse\n\nQuality carpeting.\n\nFlooring\n\nSignificantlyUpdated\n\n1171\n\n0\n\nfalse\n\n2\n\nfalse\n\n8\n\n2\n\n0\n\nC3\n\nQ4\n\nDecorative tiling and finishes\n\nFullyUpdated\n\nQuality components\n\nKitchen\n\nFullyUpdated\n\nMidrise\n\n1\n\nCentralized\n\nForcedWarmAir\n\nPropertyPhoto\n\n\\\\Images\\Condo1_Comp2.jpg\n\nimage/jpeg\n\n11\n\n790000\n\nSettledSale\n\n25.165171\n\n-51.328127\n\nMidtown\n\nIngroundPool\n\nIngroundSpa\n\nCondominium\n\nABC Estates\n\nBalcony\n\nOutdoorLiving\n\n1\n\nIndoorFireplace\n\nWholeHome\n\n0\n\nAttached\n\n1\n\nfalse\n\n1\n\nC3\n\nQ4\n\ntrue\n\ntrue\n\nFeeSimple\n\ntrue\n\nfalse\n\ntrue\n\ntrue\n\n2019-06-19\n\n10000\n\n2019-08-19\n\n794000\n\nSale\n\n2018-10-01\n\n779000\n\nSale\n\nTypicallyMotivated\n\nNone\n\ntrue\n\nFull\n\nResidential\n\n1639 Town St\n\nUnit\n\n333\n\nNowhere\n\n90021\n\nCA\n\nParkingGarage\n\n2\n\nOwned\n\n0\n\nFinancingMethod\n\n0\n\nSalesConcessions\n\n0\n\nContractDate\n\n0\n\nSaleDate\n\n0\n\nProjectInformation\n\n0\n\nNeighborhoodName\n\n0\n\nYearBuilt\n\n0\n\nLivingUnitFloorNumber\n\n-10000\n\nCornerUnit\n\n0\n\nLivingUnitStandardFinishedAreaAboveGrade\n\n755000\n\nSouth\n\nLess\n\nfalse\n\nFHA\n\nfalse\n\n712\n\n3\n\n0.44\n\n-10000\n\nfalse\n\n475\n\nMonthly\n"} diff --git a/chunks/json/5012cfc18c395db8edffb9818f4fae8eb762212a1ee37a38190c91e24165819c.json b/chunks/json/5012cfc18c395db8edffb9818f4fae8eb762212a1ee37a38190c91e24165819c.json new file mode 100644 index 0000000000000000000000000000000000000000..ba9fed8dea96917f16de36e7f7e7126de283032f --- /dev/null +++ b/chunks/json/5012cfc18c395db8edffb9818f4fae8eb762212a1ee37a38190c91e24165819c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":334,"char_start":0,"chunk_id":"chk_2efa7f3564bd3823","chunk_index":0,"chunk_sha256":"5012cfc18c395db8edffb9818f4fae8eb762212a1ee37a38190c91e24165819c","date_utc":"2026-01-27T17:46:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_665cfe03774ab989","text_sha256":"5012cfc18c395db8edffb9818f4fae8eb762212a1ee37a38190c91e24165819c","token_estimate":102,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_aabdo6.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: \"2026-01-27T17:46:01.881Z\"\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/50137f8c5e88531dc4db10f146e46db19c22f2899fa4ef623183f873df2d2619.json b/chunks/json/50137f8c5e88531dc4db10f146e46db19c22f2899fa4ef623183f873df2d2619.json new file mode 100644 index 0000000000000000000000000000000000000000..47f060e15ea122b33583bae913b75fad3fdd3ac5 --- /dev/null +++ b/chunks/json/50137f8c5e88531dc4db10f146e46db19c22f2899fa4ef623183f873df2d2619.json @@ -0,0 +1 @@ +{"chunk":{"char_end":65220,"char_start":64523,"chunk_id":"chk_999d6550cafe9644","chunk_index":104,"chunk_sha256":"50137f8c5e88531dc4db10f146e46db19c22f2899fa4ef623183f873df2d2619","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"50137f8c5e88531dc4db10f146e46db19c22f2899fa4ef623183f873df2d2619","token_estimate":605,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Rental Information Exhibits ...................................................................................................................................................................................................... 314\n\nRental Information – Arcrole Relationships ............................................................................................................................................................................. 316\n\n24 Income Approach ............................................................................................................................................................................................................................ 319\n"} diff --git a/chunks/json/501adf6c20a9632c5479d696e6cf4b4178411a2bd7a9ba80a4e131f0a469740d.json b/chunks/json/501adf6c20a9632c5479d696e6cf4b4178411a2bd7a9ba80a4e131f0a469740d.json new file mode 100644 index 0000000000000000000000000000000000000000..71da1c57b160da8e6493d59abb40b2b6bb32af35 --- /dev/null +++ b/chunks/json/501adf6c20a9632c5479d696e6cf4b4178411a2bd7a9ba80a4e131f0a469740d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":481495,"char_start":479760,"chunk_id":"chk_94620e09383c07a6","chunk_index":285,"chunk_sha256":"501adf6c20a9632c5479d696e6cf4b4178411a2bd7a9ba80a4e131f0a469740d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"501adf6c20a9632c5479d696e6cf4b4178411a2bd7a9ba80a4e131f0a469740d","token_estimate":434,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"If No, the appraiser must provide commentary in Sales Contract Analysis as to\nthe reasons why the sales contract was not analyzed.\n•\n\nThis must include a description of the appraiser’s source of the\ninformation about the sales transaction, efforts made to obtain the sales\ncontract, and why the sales contract was not provided.\nIf the appraiser was not provided with the contract and becomes aware of\ndetails through other means that they wish to report (such as Contract\nPrice or Contract Date), this can also be addressed in Sales Contract\nAnalysis.\n\n•\n\nRequired if Is There a\nSales Contract is Yes\n\nYes | No\n\nAppears to be Arm’s Length Transaction: Indicates whether this is an arm's\nlength transaction.\n\nRequired if Appears to\nbe Arm’s Length\nTransaction is No\n\nRequired if Sales\nContract Information\nAnalyzed is Yes\n\nRequired if Sales\nContract Information\nAnalyzed is Yes\n\nFree-form\n\nDescribes the relationship between the parties in the transaction.\n\nDollar amount\n\nThe dollar amount stated in the sales contract.\n\nDate\n\nThe date the sales contract was fully executed.\n\nAppendix F-1: URAR Reference Guide\n\nPage 204 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n20 Sales Contract\n\nSales Contract: General information\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n20.006 Transfer Terms\n\nRequired if Sales\nContract Information\nAnalyzed is Yes\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nCourt Ordered Non-Foreclosure Sale\nEstate Sale\nForeclosure Sale\nLand Sale\nPre-Subdivision Sale\nRelocation Sale\nREO Sale\nSale Between Related Parties\nShort Sale\nTypically Motivated (e.g., Arm’s Length sale)\nOther (Describe) (e.g., Private Sale)\n"} diff --git a/chunks/json/501b5ba2722b3e84751656dee668871d3d33227533fcd0bdd92b9b5d642db465.json b/chunks/json/501b5ba2722b3e84751656dee668871d3d33227533fcd0bdd92b9b5d642db465.json new file mode 100644 index 0000000000000000000000000000000000000000..09d219158c8ffc9756eb13cd5c02b2c80e120ff6 --- /dev/null +++ b/chunks/json/501b5ba2722b3e84751656dee668871d3d33227533fcd0bdd92b9b5d642db465.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3684,"char_start":1650,"chunk_id":"chk_0b5099228fdafb52","chunk_index":1,"chunk_sha256":"501b5ba2722b3e84751656dee668871d3d33227533fcd0bdd92b9b5d642db465","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_543569a683f41bae","text_sha256":"501b5ba2722b3e84751656dee668871d3d33227533fcd0bdd92b9b5d642db465","token_estimate":509,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-integration-impact-memo-august-2024.pdf"]},"text":"Integrated 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\nMessage\n\nIdentifier\n\nMessage Severity\nType Code\n\nMessage Category\nType Code\n\nMessage\nType\n\nLender Text\n\nNew\n\n29\n\n5 = VERIFICATION\n\n6 = REQUIRED\nFUNDS\n\nParametric\n\nAssets of $%a have been validated using asset account\ninformation, which is the sum of all eligible liquid assets\nidentified by DU in the asset verification report, excluding\nany applicable large deposits for purchase transactions.\nThe asset verification report is acceptable documentation\nto support these assets. The Total Funds to be Verified\namount in DU is $%a. If the actual amount of funds\nrequired to close increases and is greater than $%a,\ndocument sufficient liquid assets to cover the additional\namount.\n\n© 2024 Fannie Mae\n\n6.18.24 Page 1 of 2\n\nMessage\nStatus\n\nMessage\n\nIdentifier\n\nMessage Severity\nType Code\n\nMessage Category\nType Code\n\nMessage\nType\n\nLender Text\n\nNew\n\n31\n\n5 = VERIFICATION\n\n6 = REQUIRED\nFUNDS\n\nFixed\n\nNew\n\n33\n\n5 = VERIFICATION\n\n6 = REQUIRED\nFUNDS\n\nParametric\n\nNew\n\n3755\n\n5 = VERIFICATION\n\n6 = REQUIRED\nFUNDS\n\nList\n\nAssets provided on the loan application are not sufficient\nto cover the Funds Required to Close. It appears that DU\nmay be able to validate assets using the asset verification\nreport. Update the assets on the loan application and\nresubmit the loan casefile to DU.\n\nTotal Funds to be Verified is $%a. Assets of $%a have\nbeen validated using asset account information which is\nless than the Total Funds to be Verified amount. The asset\nverification report is acceptable documentation to\nsupport these assets. Document proceeds from net equity\nfunds in the amount of $%a to cover the Total Funds to be\nVerified amount.\nThe following is a summary of the accounts in the asset\nverification report(s) that are eligible for use for asset\nverification:\n Vendor | Rep ID | Financial Institution | Account Type |\nAccount Number | Account Owner(s) | Current Balance\n"} diff --git a/chunks/json/501f4f11938337fa75e02c086393d9240affc6841b422308c1ab26e2a056dcb4.json b/chunks/json/501f4f11938337fa75e02c086393d9240affc6841b422308c1ab26e2a056dcb4.json new file mode 100644 index 0000000000000000000000000000000000000000..57836089217e022d69f2c06b825dbf4cd9a6d3f2 --- /dev/null +++ b/chunks/json/501f4f11938337fa75e02c086393d9240affc6841b422308c1ab26e2a056dcb4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":43094,"char_start":41457,"chunk_id":"chk_3520c688b47c63a7","chunk_index":40,"chunk_sha256":"501f4f11938337fa75e02c086393d9240affc6841b422308c1ab26e2a056dcb4","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"501f4f11938337fa75e02c086393d9240affc6841b422308c1ab26e2a056dcb4","token_estimate":409,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"the Appraiser and Supervisory Appraiser subsection in this chapter (FID: 08.013 - 08.042).\n\n• AMC Fee, when provided, is included in the instance of PARTY with the AMC, as described in the [Role]/[Role] subsection in this chapter (FID:\n\n08.006 – 08.012).\n\no PartyRoleType (UID: 2400.0367, FID: 8.006) = “ManagementCompany” when the AMC is not the client.\no PartyRoleType (UID: 2400.0365, FID: 8.007) = “ManagementCompany” when the AMC is the client.\n\nExample of Appraiser Fee and AMC Fee\n\nFigure 08 - 1\n\nPage 34\n\nContact Information\n\nThe Contact Information subsection includes information about the people and/or companies (“contacts”) that are pertinent to the appraisal, including:\n\n• Clients, including lenders, AMCs, and other parties ([Role]/[Role] subsection)\n• Appraiser and supervisory appraiser, if applicable (Appraiser/Supervisory Appraiser subsection)\n\nEvery contact has one or more roles (PartyRoleType). The PartyRoleType determines which of the subsections the contact appears in.\n\nPage 35\n\n[Role]/[Role]\n\nThis portion of Contact Information shows details about the lender, client, and/or AMC. It repeats for each lender, client, and/or AMC on the report (each\ninstance of PARTY).\n\nA PARTY can have more than one PartyRoleType, which impacts the report display and the XML creation. This table provides some typical examples.\n\nExample\n\nOccurrences of PartyRoleType in XML\n\nHow to Display Subheading\n(08.006 /08.007)\n\nReference in This Chapter\n\n[Role]/[Role] - Examples\n\nPage 36\n\nThe lender is the\nclient\n\n− PartyRoleType (UID: 2400.0367, FID: 08.006) = “Client”\n− PartyRoleType (UID: 2400.0365, FID: 08.007) = “Lender”\n"} diff --git a/chunks/json/501f59902ea4287d8f1a79c35f95d2ef6e951829e4146700a990707e79ccfc64.json b/chunks/json/501f59902ea4287d8f1a79c35f95d2ef6e951829e4146700a990707e79ccfc64.json new file mode 100644 index 0000000000000000000000000000000000000000..2c5245df380c71173c2eb9e3c5f3dcbba13aa1f2 --- /dev/null +++ b/chunks/json/501f59902ea4287d8f1a79c35f95d2ef6e951829e4146700a990707e79ccfc64.json @@ -0,0 +1 @@ +{"chunk":{"char_end":361650,"char_start":360019,"chunk_id":"chk_0e65357662002273","chunk_index":200,"chunk_sha256":"501f59902ea4287d8f1a79c35f95d2ef6e951829e4146700a990707e79ccfc64","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"501f59902ea4287d8f1a79c35f95d2ef6e951829e4146700a990707e79ccfc64","token_estimate":408,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"…/SALES_CONTRAC\nT/SALES_CONTRAC\nT_DETAIL\n\nSale Price of Any\nPersonal Property\nIncluded in Sale ($)\n\nMISMO v3.3.0\nData\nPoint/Attribute\n\nPersonalPropertyA\nmount\n\nMISMO v3.3.0\nValue\n\nNotes\n\n3000.00\n\nROF as “$3,000.00”\n\nPersonalPropertyIn\ncludedIndicator\n\ntrue\n\nWhen true,\nPersonalPropertyA\nmount is provided\nif separately\nitemized in sales\ncontract\n\nVersion 1.4\n\nAppendix E: UCD Implementation Guide\n\nPage 165 of 254\n\nUniform Closing Dataset\n\n11.0 K. Due from Borrower at Closing\n\nID\n\nForm Field Name\n\n11.1 |\n11.1.1\n\nSale Price of\nProperty ($)\n\nTable 108. Sale Prices of Real and Personal Property\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0\nData\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\nRealPropertyAmou\nnt\n\n237000.00\n\nROF as\n“$237,000.00”\n\n11. 3 CLOSI NG COSTS PAI D AT CLOSI NG (J)\n\nSummaries of Transactions\n\nBORROWER’S TRANSACTION (11.0 – 13.0)\n\n11.0 K. Due from Borrower at Closing\n\n11.0.1 $252,347.30\n\n0211.2 Sale Price of Any Personal Property Included in Sale 11.2.1\n\n03 11.3 Closing Costs Paid at Closing (J)\n\n11.3.1 $10,167.30\n\nFigure 93. Closing Costs Paid at Closing (J)\n\nThe dollar amount for 11.3 Closing Costs Paid at Closing (J) is calculated as the 9.2.2 Borrower-Paid at Closing\nsubtotal less the amount for 9.3.2 Lender Credits. A new instance of Integrate DisclosureSectionTotalAmount\nused to capture this value for Section K.\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\nTable 109. Closing Costs Paid at Closing (J)\n\n11.3.1 Closing Costs Paid\n\nat Closing (J) ($)\n\n…/INTEGRATED_DIS\nCLOSURE_SECTION\n_SUMMARY_DETAI\nL\n\nIntegratedDisclosur\neSectionTotalAmou\nnt\n"} diff --git a/chunks/json/502547e0e79607fa0a10fa773ba032defcaf800961a217014b4438c3151757b6.json b/chunks/json/502547e0e79607fa0a10fa773ba032defcaf800961a217014b4438c3151757b6.json new file mode 100644 index 0000000000000000000000000000000000000000..e5c2d782a47b13b75eee5de713dca435bf6580a9 --- /dev/null +++ b/chunks/json/502547e0e79607fa0a10fa773ba032defcaf800961a217014b4438c3151757b6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4247,"char_start":3393,"chunk_id":"chk_43cca77535617d9c","chunk_index":2,"chunk_sha256":"502547e0e79607fa0a10fa773ba032defcaf800961a217014b4438c3151757b6","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"502547e0e79607fa0a10fa773ba032defcaf800961a217014b4438c3151757b6","token_estimate":519,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"• Appendix E-2: Report Style Guide Supplement – Restricted Appraisal Update Report with Codes\n\nshows a marked-up report with the codes indicated.\n\n• Appendix E-3: Report Style Guide Supplement – Completion Report with Codes shows a marked-\n\nup report with the codes indicated.\n\nAppendix E: Report Style Guide\n\nPage 3 of 90\n\nVersion 1.4\n\nTable of Contents\n\nRevision History ................................................................................................................................................. 2\n\nIntroduction ....................................................................................................................................................... 3\n\nTable of Contents ............................................................................................................................................... 4\n"} diff --git a/chunks/json/5028e2ae9a0cf4628e4bff4a1d6f393d6efbfe00463282090a44a847fc9c4bfb.json b/chunks/json/5028e2ae9a0cf4628e4bff4a1d6f393d6efbfe00463282090a44a847fc9c4bfb.json new file mode 100644 index 0000000000000000000000000000000000000000..3e7fb333eb64e5003a7f6489c3b6859762a33fc2 --- /dev/null +++ b/chunks/json/5028e2ae9a0cf4628e4bff4a1d6f393d6efbfe00463282090a44a847fc9c4bfb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":441919,"char_start":440308,"chunk_id":"chk_6310afd0264d47e4","chunk_index":250,"chunk_sha256":"5028e2ae9a0cf4628e4bff4a1d6f393d6efbfe00463282090a44a847fc9c4bfb","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"5028e2ae9a0cf4628e4bff4a1d6f393d6efbfe00463282090a44a847fc9c4bfb","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"19.3.1 Step Payments? For\n\nyour first ___#\npayments\n\n…/PAYMENT_RULE/ PaymentFrequencyT\n\nMonthly\n\nROF as “MonthlY”\n\nype\n\n…/PAYMENT_RULE/E\nXTENSION/OTHER\n\ngse:TotalStepPayme\nntCount\n\n48\n\nRepresented as “first\n48 payments” on\nform\n\n19. 4 SEASONAL PAYMENTS?\n\nIf the loan does not have regularly scheduled continuous periodic payments, then it has a Seasonal Payment\nfeature. For seasonal loans, the period during which periodic principal and interest payments are not made is all\nthat must be disclosed. For example: 30-year Fixed | “Teacher” Loan | Monthly payments not required during\nJune, July, and August.\n\nAdjustable Payment (AP) Table\n\n19.0 if yes:\n\nSeasonal Payments?\n\n19.4YES\n\n19.4.1 For your first 48 payments\n\n19.5 Monthly Principal and Interest Payments\n\nFirst Change / Amount 19.6\n\nSubsequent Changes\n\n19.7\n\nMaximum Payment\n\n19.8\n\nAppendix E: UCD Implementation Guide\n\nPage 205 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n19.0 Adjustable Payment (AP) Table\n\nFigure 126. AP Table - Seasonal Payments\n\nFor the AP Table, “YES” is provided in answer to the question Seasonal Payments? in row 19.4, along with the\nidentification of the seasonal payment period (period during which no periodic payments are made). The\nbottom half of the table is not applicable for seasonal payments.\n\n1. LOAN TERMS TABLE FOR SEASONAL PAYMENT LOAN\n\nAs shown in the figure below, the Loan Terms table simply provides a reference to the AP Table.\n\nLoan Terms\n\n4.0 Initial P&I\n\nIncrease?\n\nDescription\n\n4.3 Monthly Principal & Interest\n\nSee Projected Payments below for your\nEstimated Total Monthly Payment\n\n4.3.1 $1,250.00\n"} diff --git a/chunks/json/502ded1a6b305d3329a9e63791520213cc298eb94938a835fd7ce7733fc268b1.json b/chunks/json/502ded1a6b305d3329a9e63791520213cc298eb94938a835fd7ce7733fc268b1.json new file mode 100644 index 0000000000000000000000000000000000000000..0653447f9a8c17df908ed6338417097deff0d6e9 --- /dev/null +++ b/chunks/json/502ded1a6b305d3329a9e63791520213cc298eb94938a835fd7ce7733fc268b1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1609,"char_start":0,"chunk_id":"chk_22102039da8e4faf","chunk_index":0,"chunk_sha256":"502ded1a6b305d3329a9e63791520213cc298eb94938a835fd7ce7733fc268b1","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_698a10a0e5f6da7f","text_sha256":"502ded1a6b305d3329a9e63791520213cc298eb94938a835fd7ce7733fc268b1","token_estimate":400,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Hybrid_70H.pdf"]},"text":"2\n\nUniform Residential Appraisal Report (Hybrid)\nThe purpose of this summary appraisal report is to provide the lender/client with an accurate, and adequately supported, opinion of the market value of the subject property.\n\n4 4a\n\nFile # 3\n\n7\n\n10\n\nCity\n\nOwner of Public Record\n\nProperty Address 6\nBorrower\nLegal Description 13\nAssessor’s Parcel # 14\nNeighborhood Name\nOccupant Owner Tenant Vacant\n21\nProperty Rights Appraised Fee Simple Leasehold\n28\nAssignment Type Purchase Transaction Refinance Transaction Other (describe) 35\nLender/Client 36\nIs the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal? Yes No\nReport data source(s) used, offering price(s), and date(s). e-2; 40\n\nTax Year\nMap Reference\n\nR.E. Taxes $\nCensus Tract\n\nSpecial Assessments $ 23\n\nOther (describe) 31\n30\n\nState 8\nCounty\n\n18\n PUD\n24\n\n34\nAddress\n\nHOA $ 25\n\nZip Code\n\n29\n33\n\n17\n\n15\n\n12\n\n37\n\n11\n\n39\n\n38\n\n20\n\n32\n\n22\n\n16\n 19\n per year per month\n26\n\n27\n\n9\n\n41\n\nI did did not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analysis was not\n42\nperformed. e-3; 43\n\nContract Price $ 44\nIs there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of the borrower? Yes No\nIf Yes, report the total dollar amount and describe the items to be paid. 51a; e-4; 51b\n\nIs the property seller the owner of public record? Yes No Data Source(s) 48\n\nDate of Contract\n\n45\n\n46\n\n47\n\n49\n"} diff --git a/chunks/json/503a805b045f17539a210e3989ee4d6c2262d8f4d97aa71f1bf920190206abb6.json b/chunks/json/503a805b045f17539a210e3989ee4d6c2262d8f4d97aa71f1bf920190206abb6.json new file mode 100644 index 0000000000000000000000000000000000000000..a976685e209853bb0c076e75785c1ca2c0ef9394 --- /dev/null +++ b/chunks/json/503a805b045f17539a210e3989ee4d6c2262d8f4d97aa71f1bf920190206abb6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":286528,"char_start":284622,"chunk_id":"chk_594eec5b3db76018","chunk_index":159,"chunk_sha256":"503a805b045f17539a210e3989ee4d6c2262d8f4d97aa71f1bf920190206abb6","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"503a805b045f17539a210e3989ee4d6c2262d8f4d97aa71f1bf920190206abb6","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":"type of foundation and utility connections,\n\nNote: For existing construction, the appraiser must also provide a photo(s) of the HUD Data Plate or the HUD Certification Label(s)\nfor each section of the home. (Photos of both are required for new construction.)\n\n•\n\nThe appraiser must indicate a value conclusion based solely on the real property as completed consisting of the\n\no manufactured home,\no\no\n\nsite improvements, and\nland on which the home is situated.\n\nThe value conclusion cannot include any non-realty items including, but not limited to, insurance, warranties, or personal\nproperty (e.g., furniture.).\n\nNewly Constructed Manufactured Housing Appraisal Requirements\n\nFor new manufactured homes not yet attached to the land or not yet constructed, the appraisal may be based on either plans and\nspecifications or an existing model home. If required information is not available at the time the appraiser is completing the\nappraisal report, the appraiser must appraise the property subject to the receipt and review of the items and completion of the\nimprovements as a condition of the appraisal. Information that may not be available can include, but is not limited to, the dealer\ninvoice, the HUD Data Plate, and the Certification Label numbers.\n\nA Completion Report must be obtained before the loan is sold to Fannie Mae. The Completion Report must:\n\n•\n\n• be completed by the original appraiser if possible, or if not possible, by a substitute appraiser. verify and state that the\nimprovements were completed, and all other requirements and conditions of the appraisal have been satisfied;\ninclude previously unavailable information, and a summary of the appraiser’s analysis of any previously unavailable\ndealer invoice; and\ninclude photos of the completed improvements attached to the permanent foundation, and of the HUD Data Plate and\nHUD Certification Label(s), or acceptable alternatives.\n"} diff --git a/chunks/json/504e230e89546d560c305cdacbf44716b4a47b08e183aba8762c50aaffd89988.json b/chunks/json/504e230e89546d560c305cdacbf44716b4a47b08e183aba8762c50aaffd89988.json new file mode 100644 index 0000000000000000000000000000000000000000..b97c3f846f06e1c29be0efd29d4af32da44ac857 --- /dev/null +++ b/chunks/json/504e230e89546d560c305cdacbf44716b4a47b08e183aba8762c50aaffd89988.json @@ -0,0 +1 @@ +{"chunk":{"char_end":23702,"char_start":22101,"chunk_id":"chk_ac0d7cbb56e20447","chunk_index":13,"chunk_sha256":"504e230e89546d560c305cdacbf44716b4a47b08e183aba8762c50aaffd89988","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6d5adf56d1237dd1","text_sha256":"504e230e89546d560c305cdacbf44716b4a47b08e183aba8762c50aaffd89988","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH2_Appraisal/_.pdf/MH2_Appraisal_v1.3.pdf"]},"text":"Sale Price\n\nNet Adjustment Total\n\nPrice Per Finished Area\nAbove Grade\n\nAdjusted Price\n\nComparable Weight\n\nQ3\n\nC2\n\nQ3\n\nC2\n\nQ4\n\nC3\n\n$10,000\n\n$10,000\n\nQ3\n\nC2\n\nPatio | Porch\n\nPatio | Porch\n\nPatio\n\n$5,000\n\nPorch\n\n$2,500\n\nDriveway | 4 | Pavers\nGarage | 2 | Attached\n400 Sq. Ft.\n\nDriveway | 2 | Asphalt\nGarage | 2 | Attached\n400 Sq. Ft.\n\nDriveway | 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 2024\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"} diff --git a/chunks/json/5062b9f019b6503666b18a5eb0a2c6febb7b14a2f746aee7cdc0dd5ba471ca55.json b/chunks/json/5062b9f019b6503666b18a5eb0a2c6febb7b14a2f746aee7cdc0dd5ba471ca55.json new file mode 100644 index 0000000000000000000000000000000000000000..1e2b3bc1438ca74fdee129ae74706226b9305677 --- /dev/null +++ b/chunks/json/5062b9f019b6503666b18a5eb0a2c6febb7b14a2f746aee7cdc0dd5ba471ca55.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4755,"char_start":3236,"chunk_id":"chk_3a09b6e901f6f09d","chunk_index":2,"chunk_sha256":"5062b9f019b6503666b18a5eb0a2c6febb7b14a2f746aee7cdc0dd5ba471ca55","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a13f2e0157313ea9","text_sha256":"5062b9f019b6503666b18a5eb0a2c6febb7b14a2f746aee7cdc0dd5ba471ca55","token_estimate":380,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-cs-test-environment-overview.pdf"]},"text":"Take a moment to check out the (UCD Collection Solution) —it’s your go-to spot for the latest tools, updates, and resources to\nhelp you get ready for UCD v2.0 and upcoming edit changes.\n\nClick on the 3 bars on the left-hand side of the application to see the menu options listed below:\n\nUCD Test Environment URL\nHome Tab\n\nTasks that can be performed\nUCD submissions\n\nSubmissions History Tab\n\n• Upload UCD XML file or a zip file of up to 50 XML UCD files\n• Create a new UCD file by manually entering the required data, then\n\nsubmit it to UCD for processing\nEdit a UCD JSON file that was saved from a previous manual entry session\n\n•\nSearch for\n\nLender Loan Number\n\n• Casefile ID\n•\n• Batch ID\n• Date Range\n\n© 2025 Fannie Mae\n\nPage 2 of 3\n\nRelationship Tab\n\nUse this tab to test if you have set up or manage relationships. For assistance, refer\nto the\n\nQuick Guide: Relationships for UCD Transfers.\n\nSearch for lenders (Lender Name and Seller Servicer Number)\nInitiate, accept, and terminate relationships\n\n•\n•\n• Requests received\n• Request initiated\n• Relationship status\n\nTransfer Activity Tab\n\nUse this tab to test if you use the Transfer functionality. For assistance, refer to the\n\nQuick Guide: UCD Transfer\n\n•\nSearch Casefile ID\n• UCD files received\n• UCD files transferred or cancelled\n\nQualified Mortgage\n\nUse this tab to get a summary of the Qualified Mortgage for a particular Casefile ID.\n\nEnter a valid Casefile ID\n\n•\n• The Casefile ID must have Qualified Mortgage information\n\n© 2025 Fannie Mae\n\nPage 3 of 3\n"} diff --git a/chunks/json/50639c1e53850632253e7ea94668e736fa0c55fa4f62616dae158d26228eff08.json b/chunks/json/50639c1e53850632253e7ea94668e736fa0c55fa4f62616dae158d26228eff08.json new file mode 100644 index 0000000000000000000000000000000000000000..a3135193248d480c81b0ec1050ccfc14476eeaf9 --- /dev/null +++ b/chunks/json/50639c1e53850632253e7ea94668e736fa0c55fa4f62616dae158d26228eff08.json @@ -0,0 +1 @@ +{"chunk":{"char_end":19787,"char_start":17500,"chunk_id":"chk_d7231555951ce534","chunk_index":10,"chunk_sha256":"50639c1e53850632253e7ea94668e736fa0c55fa4f62616dae158d26228eff08","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5caeed6ac2d5622f","text_sha256":"50639c1e53850632253e7ea94668e736fa0c55fa4f62616dae158d26228eff08","token_estimate":572,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 2055.pdf"]},"text":"STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser’s certification in this report is\nsubject to the following assumptions and limiting conditions:\n\n1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title\nto it, except for information that he or she became aware of during the research involved in performing this appraisal. The\nappraiser assumes that the title is good and marketable and will not render any opinions about the title.\n\n2. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency\n(or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an\nidentified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or\nimplied, regarding this determination.\n\n3. The appraiser will not 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\n4. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the\npresence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or\nshe became aware of during the research involved in performing this appraisal. Unless otherwise stated in this appraisal\nreport, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the\nproperty (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances,\nadverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such\nconditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such\nconditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist.\nBecause the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as\nan environmental assessment of the property.\n"} diff --git a/chunks/json/5070d30b6d4bb7d114237387d28bfc58dcfff7a91d135bf3173768e5f13aeb7a.json b/chunks/json/5070d30b6d4bb7d114237387d28bfc58dcfff7a91d135bf3173768e5f13aeb7a.json new file mode 100644 index 0000000000000000000000000000000000000000..f9293c2a6dfd3efcf0bdb082e849620c0fcdc7c4 --- /dev/null +++ b/chunks/json/5070d30b6d4bb7d114237387d28bfc58dcfff7a91d135bf3173768e5f13aeb7a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1740,"char_start":0,"chunk_id":"chk_a80d3c23bd0f9e84","chunk_index":0,"chunk_sha256":"5070d30b6d4bb7d114237387d28bfc58dcfff7a91d135bf3173768e5f13aeb7a","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4be57452b7cc6aa7","text_sha256":"5070d30b6d4bb7d114237387d28bfc58dcfff7a91d135bf3173768e5f13aeb7a","token_estimate":533,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Duty_to_Serve_Performance_Data___FHFA_qw14v.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/duty-to-serve/performance-data\"\ndate_accessed: \"2026-01-27T17:48:04.087Z\"\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/5099ca5d6d11932a708d21a3d96eab718bd14602f5c78340f98c18eec5080f17.json b/chunks/json/5099ca5d6d11932a708d21a3d96eab718bd14602f5c78340f98c18eec5080f17.json new file mode 100644 index 0000000000000000000000000000000000000000..982f78f4303bab63b139897b836cb97b267cfc28 --- /dev/null +++ b/chunks/json/5099ca5d6d11932a708d21a3d96eab718bd14602f5c78340f98c18eec5080f17.json @@ -0,0 +1 @@ +{"chunk":{"char_end":690587,"char_start":688851,"chunk_id":"chk_edd8c7d5ff565263","chunk_index":411,"chunk_sha256":"5099ca5d6d11932a708d21a3d96eab718bd14602f5c78340f98c18eec5080f17","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"5099ca5d6d11932a708d21a3d96eab718bd14602f5c78340f98c18eec5080f17","token_estimate":434,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Income Approach Exhibits\n\nReport\nField ID\n\nSee\niGuide\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nAlways required\n\nImage\n\nIncome\nApproach\nExhibits\n\nMap of Subject and GRM Comparables\nA map of the subject and GRM comparables must be provided, which can\ndisplay in Income Approach Exhibits with the caption “Map of GRM\nComparables”. An additional caption may be provided.\n\nSee\niGuide\n\nIncome\nApproach\nExhibits\n\nSee\niGuide\n\nIncome\nApproach\nExhibits\n\nAlways required\n\nPhotos or images\n\nIf relevant\n\nPhotos or images\n\nNote: Can be provided as one map in the Sales Comparison Approach section.\n\nProperty Photo\nPhotos of the GRM comparable properties display in this subsection with the\nComparable #. The thumbnails from the top of the GRM comparison grid are\nredisplayed, in addition to any other photos that are provided. An additional\ncaption may be provided.\n\nIncome Approach Exhibit\nOther photos or images related to the Income Approach section may be\nprovided, which display in Income Approach Exhibits. A caption should be\nprovided to further describe the photo or image.\n\nAppendix F-1: URAR Reference Guide\n\nPage 310 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n25 Cost Approach\n\n25 Cost Approach\n\nThe Cost Approach section includes cost estimates by the appraiser of:\n• The value of the land\n• The cost of constructing dwellings and outbuildings (reproduction or replacement)\n• The appropriate amount of depreciation\n\nThis section provides space for additional commentary and exhibits.\n\nThis section displays when Cost Approach Developed by Appraiser is Yes. The “When to Include” column in this\nchapter references appraisals for which Cost Approach Developed by Appraiser is Yes.\n"} diff --git a/chunks/json/50a18accc217662247cc594e2cae6dc3a0bde48f2fb291d788e9d678751f1966.json b/chunks/json/50a18accc217662247cc594e2cae6dc3a0bde48f2fb291d788e9d678751f1966.json new file mode 100644 index 0000000000000000000000000000000000000000..597d8909d5a8144daa24857d317e682d7ca6c55f --- /dev/null +++ b/chunks/json/50a18accc217662247cc594e2cae6dc3a0bde48f2fb291d788e9d678751f1966.json @@ -0,0 +1 @@ +{"chunk":{"char_end":47038,"char_start":44994,"chunk_id":"chk_1507d94e2bb54586","chunk_index":20,"chunk_sha256":"50a18accc217662247cc594e2cae6dc3a0bde48f2fb291d788e9d678751f1966","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"50a18accc217662247cc594e2cae6dc3a0bde48f2fb291d788e9d678751f1966","token_estimate":511,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"c.\n\nIdentify UCD v2.0 version (UCD2.0) and time of file creation.\n\nd. Describe the XML file payload as data with documents (“DOCUMENT” containers holding documents and their\n\nmetadata and “DEAL” containers with data corresponding to the document).\n\ne. Establish limits for the number of sets of documents that can be included in one XML file submission.\n\n2.\n\nIDENTIFYING THE XML FILE FOR PROCESSING\n\nThe following UCD v2.0 excerpt adds data points and attributes to the containers. They provide the information for the\nreceiving system to know how to translate the file, when it was created, and what type of payload it has. In the case of the\n\nUCD v2.0 Implementation Guide\n\n- 10 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nIII. XML File Handling\n\nXML file, the payload includes closing transaction data and a PDF file of the associated CD. Since these data points cannot be\ncross-referenced to a heading or label on the CD, they are listed in the column “GSE Specification Data Point Category” as\n“XML File”.\n\na. XML File Setup\n\ni. gse: Namespace\n\nThe “gse:” namespace prefix to UCD v2.0 container and data point names signals that they are EXTENSIONs to the MISMO\nv3.3.0 schema (mismo.xsd). The term “xmlns:gse = http://www.datamodel extension.org/Schema/gse” included in the\ndeclarations at the top of the XML file allows receiving systems to recognize and accept the extended data points, even\nthough they are not included in the mismo.xsd file. The containers and data points in the gse: namespace are not validated\nagainst a schema.\n\nii. ucd: Namespace\n\nThe “ucd:” namespace prefix to container and data point names indicates that they are EXTENSIONs to the mismo.xsd\nfile. The term “xmlns:ucd = http://www.datamodelextension.org/Schema/ucd” included in the declarations at the top of the\nXML file allows receiving systems to recognize and accept the extended data points, even though they are not included in the\nmismo.xsd file. These containers and data points in the ucd: namespace ARE validated against a UCD EXTENSION schema,\nucd.xsd.\n"} diff --git a/chunks/json/50a5a06d98c7fcd6e357e5509c1c3f361462a668bad5ed91f09de114f0834593.json b/chunks/json/50a5a06d98c7fcd6e357e5509c1c3f361462a668bad5ed91f09de114f0834593.json new file mode 100644 index 0000000000000000000000000000000000000000..215f986ed3b8503e441984f944d264ab38b541ea --- /dev/null +++ b/chunks/json/50a5a06d98c7fcd6e357e5509c1c3f361462a668bad5ed91f09de114f0834593.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6699,"char_start":5053,"chunk_id":"chk_0786feee92bb82b4","chunk_index":3,"chunk_sha256":"50a5a06d98c7fcd6e357e5509c1c3f361462a668bad5ed91f09de114f0834593","date_utc":"2026-01-27T18:29:50+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a94536bb42f76932","text_sha256":"50a5a06d98c7fcd6e357e5509c1c3f361462a668bad5ed91f09de114f0834593","token_estimate":412,"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":"Intended User\n\nThe intended user of this appraisal report is the lender/client.\n\nCertifications\n\nAppraiser Certifications\n\nThe Appraiser certifies and agrees that:\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\n2. 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"} diff --git a/chunks/json/50bcfab583bac6a90d6de44375f35cc4e562c3530611f48918a8d89502c15b9b.json b/chunks/json/50bcfab583bac6a90d6de44375f35cc4e562c3530611f48918a8d89502c15b9b.json new file mode 100644 index 0000000000000000000000000000000000000000..a58eb42d625f03af5a4426d7e9ecb9f450f5446d --- /dev/null +++ b/chunks/json/50bcfab583bac6a90d6de44375f35cc4e562c3530611f48918a8d89502c15b9b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12395,"char_start":10680,"chunk_id":"chk_57403dd68d75c0aa","chunk_index":6,"chunk_sha256":"50bcfab583bac6a90d6de44375f35cc4e562c3530611f48918a8d89502c15b9b","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d717f80567a593a4","text_sha256":"50bcfab583bac6a90d6de44375f35cc4e562c3530611f48918a8d89502c15b9b","token_estimate":429,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/display.pdf"]},"text":"February 17\n\nUCD Critical Edits -\n\nPhase 2\n\nImplementation\n\nIn preparation for the Phase 2 UCD edits transition to fatal severity, several edits have been updated to provide additional\nclarity on data requirements where a zero value may or may not be valid. Review the UCD Critical Edits Implementation\nGuide for details.\n\n© 2022 Fannie Mae\n\nDecember 2022\n\nEffective\nDate\n\nImpacted Area\n\nFebruary 14\n\nUCD Critical Edits -\n\nPhase 1\n\nImplementation\n\nJanuary 24\n\nUCD Critical Edits -\n\nPhase 1\n\nImplementation\n\nDescription\n\nTo further refine UCD Phase 1 data quality, fatal edit 3128 will be updated to not allow negative values, effective Feb. 14,\n2022. The edit feedback message will be updated to the following:\n\nFatal edit 3128: Regulation Z Total Points and Fees Amount is required, excluding Bona Fide Discount Points. Data should\nbe numeric up to 9 digits, with up to 2 decimal places and cannot be negative.\n\nEdit 3317 will transition from warning-to-fatal to a warning severity and the edit feedback message will be updated on\nJanuary 24, 2022, to the following:\n\nEdit 3317: The reported Regulation Z Total Points and Fees Amount provided is $0.00. Validate the amount to ensure the\naccuracy of the value provided. For additional information on the Regulation Z Total Points and Fees Amount, contact your\nCompliance Team.\n\nJanuary 24\n\nUCD Critical Edits -\n\nPhase 2\n\nImplementation\n\nNOTE: Edit 3317 will not be transitioning to fatal in January as originally announced. The edit will be warning\nseverity at this time.\n\nIn preparation for the Phase 2 UCD edits transition to fatal severity, several feedback messages have been updated to\nprovide additional clarity. Review the UCD Feedback Messages for details.\n"} diff --git a/chunks/json/50ce86685af6f9e3f662220735e79c6e4b06290f2d92431763ab19dddccad3d1.json b/chunks/json/50ce86685af6f9e3f662220735e79c6e4b06290f2d92431763ab19dddccad3d1.json new file mode 100644 index 0000000000000000000000000000000000000000..1e5a618df5974e811bf7736e34cf7e13efc8aee4 --- /dev/null +++ b/chunks/json/50ce86685af6f9e3f662220735e79c6e4b06290f2d92431763ab19dddccad3d1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10114,"char_start":9327,"chunk_id":"chk_5f95d5be456f33bd","chunk_index":5,"chunk_sha256":"50ce86685af6f9e3f662220735e79c6e4b06290f2d92431763ab19dddccad3d1","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_fe9c7f9e0406216b","text_sha256":"50ce86685af6f9e3f662220735e79c6e4b06290f2d92431763ab19dddccad3d1","token_estimate":197,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/LIBOR_Transition___FHFA_cx711r.md","below_target_min_tokens"]},"text":"FHFA serves as an ex officio non-voting member of the [Alternative Reference Rates Committee (ARRC)](https://www.newyorkfed.org/arrc/about) established by the Federal Reserve Board and the New York Federal Reserve Bank to facilitate the migration away from LIBOR to the Secured Overnight Financing Rate (SOFR), the rate selected by ARRC as a more robust transactions-based replacement for LIBOR in the U.S. Fannie Mae, Freddie Mac, and the FHLBanks (through the FHLBank of New York) all serve as members of the ARRC.\n\nFHFA is working with its regulated entities to monitor their exposure to LIBOR as they execute their transition plans away from LIBOR. The FHFA’s regulated entities (Fannie Mae, Freddie Mac, and the FHLBanks)are now regular issuers of SOFR-indexed debt.\n\n## Steps Taken\n"} diff --git a/chunks/json/50d6a7454f0cf6806790225668e36949cce4f741df5150f3a714406efee4780b.json b/chunks/json/50d6a7454f0cf6806790225668e36949cce4f741df5150f3a714406efee4780b.json new file mode 100644 index 0000000000000000000000000000000000000000..cd4b55886154baa0c89bb0046fd364565b0ea6b9 --- /dev/null +++ b/chunks/json/50d6a7454f0cf6806790225668e36949cce4f741df5150f3a714406efee4780b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1723,"char_start":0,"chunk_id":"chk_e7a922c57b853efc","chunk_index":0,"chunk_sha256":"50d6a7454f0cf6806790225668e36949cce4f741df5150f3a714406efee4780b","date_utc":"2026-01-27T17:54:23+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_18c4158837eb8eb4","text_sha256":"50d6a7454f0cf6806790225668e36949cce4f741df5150f3a714406efee4780b","token_estimate":527,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FOIA___Privacy___FHFA_vcyk8h.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/about/foia-privacy\"\ndate_accessed: \"2026-01-27T17:54:20.287Z\"\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/50d861b46d5ce6170b8d19508dd64cdf5c204c76a4df1653b3a7e5dd6e4f72b4.json b/chunks/json/50d861b46d5ce6170b8d19508dd64cdf5c204c76a4df1653b3a7e5dd6e4f72b4.json new file mode 100644 index 0000000000000000000000000000000000000000..6107193ecaf87c4a8617bffe96a6de9e4bdc5f1f --- /dev/null +++ b/chunks/json/50d861b46d5ce6170b8d19508dd64cdf5c204c76a4df1653b3a7e5dd6e4f72b4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":218881,"char_start":217192,"chunk_id":"chk_49780e112ee7240d","chunk_index":122,"chunk_sha256":"50d861b46d5ce6170b8d19508dd64cdf5c204c76a4df1653b3a7e5dd6e4f72b4","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"50d861b46d5ce6170b8d19508dd64cdf5c204c76a4df1653b3a7e5dd6e4f72b4","token_estimate":422,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Note: Properties can have the same rating or description and still require an adjustment. It should be noted this not only applies\nto condition and quality ratings but can apply to other ratings or descriptions as well. For example, all water views may not be\nequal. In this instance, an adjustment should be made and explained in the Commentary section of the report.\n\nProperty Condition\n\nLenders must take the necessary steps to confirm that a property meets Fannie Mae’s condition requirements as outlined in this\ntopic.\n\nThe table below provides the requirements for property condition.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 87 of 166\n\nUAD 3.6 Policy\n\n✓\n\nRequirements\n\nThe appraisal report must include the appraiser’s opinion about the condition of the improvements based\non factual data.\n\nAppraisals based on interior and exterior inspections must include complete visual inspections of the\naccessible areas of the property. Areas of the property that are not accessible must be disclosed in the\nreport.\n\nNote: Appraisers are not responsible for hidden or unapparent conditions.\n\nAppraisal reports must reflect adverse conditions that were apparent during the inspection or discovered\nwhile performing research, such as needed repairs, deterioration, or the presence of hazardous waste,\ntoxic substances, or adverse environmental conditions.\n\nDetrimental conditions of the improvements must be reported in the appraisal even if the conditions are\ntypical for competing properties.\n\nThe appraiser must rate the interior, exterior, and overall condition of the dwelling(s). (See Dwelling\nCondition Ratings and Identifying Dwelling Condition in this topic for details.)\n"} diff --git a/chunks/json/50e498c849a035b74c35bd123b9c38126e314c851fa8a703e5056615fb5d8d18.json b/chunks/json/50e498c849a035b74c35bd123b9c38126e314c851fa8a703e5056615fb5d8d18.json new file mode 100644 index 0000000000000000000000000000000000000000..b1fbf1c3ecb32c3df38a3422a7f25ae985718b19 --- /dev/null +++ b/chunks/json/50e498c849a035b74c35bd123b9c38126e314c851fa8a703e5056615fb5d8d18.json @@ -0,0 +1 @@ +{"chunk":{"char_end":435492,"char_start":433848,"chunk_id":"chk_63d60ade509ef6d0","chunk_index":251,"chunk_sha256":"50e498c849a035b74c35bd123b9c38126e314c851fa8a703e5056615fb5d8d18","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"50e498c849a035b74c35bd123b9c38126e314c851fa8a703e5056615fb5d8d18","token_estimate":411,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Minimal wear and tear with\nlimited physical depreciation.\n\nSemi-custom\n\nTypical Wear and Tear\n\nMinimal wear and tear with\nlimited physical depreciation.\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\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nDwelling Exterior\n\nExterior Walls and Trim\n\nLocation\n\nDescription\n\nLower right corner of\nrear wall\n\nPossible termite infestation\n\nMechanical System\n\nBelow grade area\n\nThe hot water heater is not operational. No\nhot water.\n\nAffects Soundness or\nStructural Integrity\n\nRecommended\nAction\n\nNo\n\nNo\n\nInspection\n\nRepair\n\nDwelling Exterior Commentary\n\nThe subject features higher end materials that are considered to be semi-custom. The dwelling has been well maintained with minimal wear\nand tear.\n\nUnit Interior\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\n3,308 Sq. Ft.\n0 Sq. Ft.\n720 Sq. Ft.\n72 Sq. Ft.\nAssessor Record\nMLS\nPhysical Measurement\n\nBelow Grade Finish Compared\nto Above\n\nSimilar\n\nLevel and Room Detail\n\nLevel in Unit\nLevel B1\n\nGrade Level Detail\nPartially Below Grade\nInterior and Exterior Access\nWalk Out\n\nLevel 1\n\nAbove Grade\n\nLevel 2\n\nLevel 3\n\nAbove Grade\n\nAbove Grade\n\nFinish\nFinished\n\nUnfinished\n\nFinished\n\nFinished\n\nFinished\n\nLevels in Unit\nOccupancy\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n4\nVacant\n5\n4\n1\n\nArea\n720 Sq. Ft.\n\n72 Sq. Ft.\n\n1,248 Sq. Ft.\n\n1,224 Sq. Ft.\n\n836 Sq. Ft.\n\nRoom Summary\n1 - Bath - Full\n1 - Bedroom\n1 - Den\n"} diff --git a/chunks/json/5103ab546ff284c7584fe6cf2df0320c94274b7bbfd00e1c8672cf4ebc25200c.json b/chunks/json/5103ab546ff284c7584fe6cf2df0320c94274b7bbfd00e1c8672cf4ebc25200c.json new file mode 100644 index 0000000000000000000000000000000000000000..fcae720ffca9b138678e87b93a388a38a46dc160 --- /dev/null +++ b/chunks/json/5103ab546ff284c7584fe6cf2df0320c94274b7bbfd00e1c8672cf4ebc25200c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12135,"char_start":10328,"chunk_id":"chk_b6580f1deadd61e5","chunk_index":10,"chunk_sha256":"5103ab546ff284c7584fe6cf2df0320c94274b7bbfd00e1c8672cf4ebc25200c","date_utc":"2026-01-27T17:46:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7eca65366e02ac25","text_sha256":"5103ab546ff284c7584fe6cf2df0320c94274b7bbfd00e1c8672cf4ebc25200c","token_estimate":451,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type.pdf"]},"text":"Container | Modular | On-\nFrame Modular |Site Built |\n3D Technology\n\nManufactured\n\nContainer | Modular | On-\nFrame Modular |Site Built |\n3D Technology\n\nYes or No\n\nYes\n\nYes\n\nYes or No\n\nYes or No\n\n__\n\n1\n\n0 or 1\n\nCondominium\n\nCooperative\n\nCondominium or Cooperative\n\nCondominium or Cooperative\n\n1\n\n0 or 1\n\n1\n\n0 or 1\n\n1\n\n0 or 1\n\n2, 3, or 4\n\n0 or 1\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\n5\n\nURAR - Summary Section\n\nThe Summary section of the URAR provides information that defines property and report type. The highlighted items represent the property type characteristics. The FIDs (red numbers)\nprovide a way to associate the report labels to the data points in the URAR Delivery Specification and other published appendices and artifacts.\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\n6\n\nExample 1: Detached Single-Family\n\nExample 2: Condo\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\n7\n\nExample 3: 2- to 4-Unit\n\nExample 4: Manufactured Home\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"} diff --git a/chunks/json/510da60abcbc77ea86e11349aa44962db96570abff8de8e1560785ee6d52584d.json b/chunks/json/510da60abcbc77ea86e11349aa44962db96570abff8de8e1560785ee6d52584d.json new file mode 100644 index 0000000000000000000000000000000000000000..748646d16d306f532c49d0ad63732acde8cbea37 --- /dev/null +++ b/chunks/json/510da60abcbc77ea86e11349aa44962db96570abff8de8e1560785ee6d52584d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11985,"char_start":10378,"chunk_id":"chk_1ca6fb48aafc33fb","chunk_index":6,"chunk_sha256":"510da60abcbc77ea86e11349aa44962db96570abff8de8e1560785ee6d52584d","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2f28eab53ee58644","text_sha256":"510da60abcbc77ea86e11349aa44962db96570abff8de8e1560785ee6d52584d","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Use_Database___FHFA_bbf3rc.md"]},"text":"### History\n\nPrior to 2010, the Enterprise single-family PUDB consisted of three files: Census Tract, National A, and National B files. With the 2010 Enterprise PUDB a fourth file, National C, was added to provide information on high-cost mortgages acquired by the Enterprises. The single-family Census Tract file includes information on the location of the property based on the 2010 Census for acquisition years 2012 through 2021, and the 2020 Census beginning with the 2022 acquisition year. The National files contain other information but lack detailed geographic information in order to protect Enterprise proprietary data. The multifamily datasets also consist of a Census Tract file, and a National file without detailed geographic information.\n\n### Current Release Notes\n\nHistorically, the Enterprise PUDB has been released in TXT (text) format without a header row. The 2024 Enterprise PUDB release presents the data in two formats. The 2024 release includes the TXT format without a header row that has been used historically. The 2024 release also presents the same data in CSV (Comma Separated Value) format with a header row. *Note that FHFA plans to discontinue publication of the TXT format version beginning with the 2025 Enterprise PUDB release in September 2026, so that only the CSV format with a header row will be available in future years*.\n\nIn this release, the Multifamily National File at the Property Level and the Multifamily National File at the Unit-Class Level are available through two separate links instead of one. The data specifications remain unchanged from prior years.\n"} diff --git a/chunks/json/511682e57d7e207f2d487a164161b3c9d37b320d40f239560cbfc1d5112eb74f.json b/chunks/json/511682e57d7e207f2d487a164161b3c9d37b320d40f239560cbfc1d5112eb74f.json new file mode 100644 index 0000000000000000000000000000000000000000..23ada4b4b0e3ad57cc92d5c895bc9c354b094e69 --- /dev/null +++ b/chunks/json/511682e57d7e207f2d487a164161b3c9d37b320d40f239560cbfc1d5112eb74f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":22803,"char_start":22295,"chunk_id":"chk_1771e1a630c218e4","chunk_index":28,"chunk_sha256":"511682e57d7e207f2d487a164161b3c9d37b320d40f239560cbfc1d5112eb74f","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"511682e57d7e207f2d487a164161b3c9d37b320d40f239560cbfc1d5112eb74f","token_estimate":487,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Footer ....................................................................................................................................................................................................................................................... 66\n\n01 Summary ........................................................................................................................................................................................................................................... 68\n"} diff --git a/chunks/json/513200604311453c3ffe2b0c870855626e48fa2e70b8d748d27909a77001f814.json b/chunks/json/513200604311453c3ffe2b0c870855626e48fa2e70b8d748d27909a77001f814.json new file mode 100644 index 0000000000000000000000000000000000000000..fe1bee76fa1b962849c9604c8ba712c5feaf307a --- /dev/null +++ b/chunks/json/513200604311453c3ffe2b0c870855626e48fa2e70b8d748d27909a77001f814.json @@ -0,0 +1 @@ +{"chunk":{"char_end":28600,"char_start":26939,"chunk_id":"chk_823661c181f7d69d","chunk_index":8,"chunk_sha256":"513200604311453c3ffe2b0c870855626e48fa2e70b8d748d27909a77001f814","date_utc":"2026-01-27T18:02:18+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_be724e97682c8adf","text_sha256":"513200604311453c3ffe2b0c870855626e48fa2e70b8d748d27909a77001f814","token_estimate":439,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Servicing_Management_Default_Underwriter__SMDU_____wvpfq9.md"]},"text":"[]()Use your SMDU UI credentials to access the release notes.\n\n**Borrower-initiated MI Termination**\n\n- [SMDU MIT Release V. 2024.5 | May 17, 2024](/media/document/pdf/smdu-mi-termination-20245-release-notes)\n**Loss Mitigation/Loss Mitigation Valuations**\n\n- [SMDU Updates to Determining Flex Mod Terms | November 25, 2024](/media/document/pdf/smdu-updates-determining-flex-mod-terms-november-25-2024)\n- [SMDU Release V. 2024.11 | November 15, 2024](/media/document/pdf/smdu-release-v-202411-november-15-2024)\n- [SMDU Release V. 2024.6 | June 21, 2024](/media/document/pdf/smdu-release-v-20246-june-21-2024)\n- [SMDU Release V. 2024.2 | February 16, 2024](/media/document/pdf/smdu-release-v-20242-february-16-2024)\n[View All](https://singlefamily.fanniemae.com/search#q=SMDU%20release%20notes&sort=date%20descending&f:@tags=[single%20family,smdu]&f:@fmcontenttype=[ReleaseNotes])\n\nThe Technology Terms and Conditions previously provided on this page are now located in the new Consolidated Technology Guide. A PDF version of the Guide and other related content is available on the [Consolidated Technology Guide page](https://www.fanniemae.com/tech-guide).\n\n> ###\n\nWith SMDU, we are able to absorb policy changes immediately. We’ve seen an increase in approvals – about twice the pre-SMDU rate – especially for solutions that let homeowners stay in their homes.\n\n# help\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"} diff --git a/chunks/json/51341532d09caa2c01b8b4d958066702691aef3ce5e02a6f12c5d188e6cc379f.json b/chunks/json/51341532d09caa2c01b8b4d958066702691aef3ce5e02a6f12c5d188e6cc379f.json new file mode 100644 index 0000000000000000000000000000000000000000..1b43e80d1f0073a0f503dcb986a018e078006ddf --- /dev/null +++ b/chunks/json/51341532d09caa2c01b8b4d958066702691aef3ce5e02a6f12c5d188e6cc379f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":505605,"char_start":503996,"chunk_id":"chk_478a3004bd4afea3","chunk_index":292,"chunk_sha256":"51341532d09caa2c01b8b4d958066702691aef3ce5e02a6f12c5d188e6cc379f","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"51341532d09caa2c01b8b4d958066702691aef3ce5e02a6f12c5d188e6cc379f","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Metal\n\nC2\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 18 of 23\n\nSales Comparison Approach (continued)\n\nProperty Address\n\n14568 Generic Rd\nOut There, VA 56789\n\n35361 Place Rd\nOut There, VA 56789\n\n38243 Place Rd\nOut There, VA 56789\n\n35422 Place Rd\nOut There, VA 56789\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\nQ3\n\nQ4\n\nQ2\n\nMid Grade Quality\n\nMid Grade Quality\n\nMid Grade Quality\n\nVery High Quality Appliances\n\nMid Grade Finishes\n\nMid-High Quality Finishes\n\nMid Grade Finish\n\nVery High Quality 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\nHardwood and Tile Thruout\n\n8 Ft. Ceilings\n\nStandard 8-9 Ft. Ceilings\n\n9 Ft. and 10 Ft. Ceilings\n\nC3\n\nFully Updated\n\nNot Updated\n\nFully Updated\n\nC4\n\nFully Updated\n\nNot Updated\n\nModerately Updated\n\nC2\n\nFully Updated\n\nFully Updated\n\nFully Updated\n\nADU Interior Quality and Condition\n\nLocation of ADU\n\nStandalone ADU\n\nDwelling\n\nDwelling\n\nADU/Garage\n\nQuality\n\nCondition\n\nQ4\n\nC4\n\nQ4\n\nC4\n\nQ4\n\nC4\n\nQ3\n\nC3\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQ4\n\nC4\n\nQ4\n\nC3 $(50,000)\n\nQ4\n\nC4\n\nQ2 $(100,000)\n\nC2 $(120,000)\n\nQuality\n\nCondition\n\nProperty Amenities\n\nOutdoor Living\n\nWater Features\n"} diff --git a/chunks/json/51360814f5c9718d7b6d59e42c99e4dc3bdef231a9e3312d854a50c2fa9c8a51.json b/chunks/json/51360814f5c9718d7b6d59e42c99e4dc3bdef231a9e3312d854a50c2fa9c8a51.json new file mode 100644 index 0000000000000000000000000000000000000000..902b727575e6738bfa22fc2b8d3dda6913ade991 --- /dev/null +++ b/chunks/json/51360814f5c9718d7b6d59e42c99e4dc3bdef231a9e3312d854a50c2fa9c8a51.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11796,"char_start":10164,"chunk_id":"chk_97f73dca93661616","chunk_index":6,"chunk_sha256":"51360814f5c9718d7b6d59e42c99e4dc3bdef231a9e3312d854a50c2fa9c8a51","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6ad800f8decaccc3","text_sha256":"51360814f5c9718d7b6d59e42c99e4dc3bdef231a9e3312d854a50c2fa9c8a51","token_estimate":408,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-2 Restricted Appraisal Update Report with Codes.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] provided\nsignificant real property appraisal assistance in the development of this report. I certify that any individual so named is qualified to perform\nthe 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\nTXC-NP\n\n15. I have performed services regarding the subject property within the three years preceding the agreement to perform this assignment.\n\nTXC-NPI-B\n\nDescription of Prior Services:\n\nH2\n\nAdditional Appraiser Certifications\n\nTXC-I\n\nTXC-NP\n\nAdditional Appraiser Certifications cannot be contrary to the original Appraiser Certifications.\n1.\n\nH1\n\nSupervisory Appraiser Certifications\n\nTXC\n\nThe Supervisory Appraiser certifies and agrees that:\n"} diff --git a/chunks/json/513a7a57e653567a859167091398844e29a4ec46b2f482c8bd99c5a906b3f9a8.json b/chunks/json/513a7a57e653567a859167091398844e29a4ec46b2f482c8bd99c5a906b3f9a8.json new file mode 100644 index 0000000000000000000000000000000000000000..feb2f042e6092731c30d1f05ac18a1f2487b1a9b --- /dev/null +++ b/chunks/json/513a7a57e653567a859167091398844e29a4ec46b2f482c8bd99c5a906b3f9a8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10722,"char_start":8906,"chunk_id":"chk_2eee7426a75f4609","chunk_index":5,"chunk_sha256":"513a7a57e653567a859167091398844e29a4ec46b2f482c8bd99c5a906b3f9a8","date_utc":"2026-01-27T17:47:59+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b2ae32f02cf8673","text_sha256":"513a7a57e653567a859167091398844e29a4ec46b2f482c8bd99c5a906b3f9a8","token_estimate":454,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/National_Mortgage_Database_Program___FHFA_dj6a7.md"]},"text":"- the [National Mortgage Database](#NMDB) (NMDB),\n- the quarterly [National Survey of Mortgage Originations](#NSMO) (NSMO),[[2]](#_ftn2)\n- the annual [American Survey of Mortgage Borrowers](#ASMB) (ASMB).[[3]](#_ftn3)\n### Purpose\n\nThe NMDB program enables FHFA to meet the statutory requirements of section 1324(c) of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by the Housing and Economic Recovery Act of 2008, to conduct a monthly mortgage market survey. Specifically, FHFA must, through a survey of the mortgage market, collect data on the characteristics of individual mortgages, including those eligible for purchase by Fannie Mae and Freddie Mac and those that are not, and including subprime and nontraditional mortgages. In addition, FHFA must collect information on the creditworthiness of borrowers, including a determination of whether subprime and nontraditional borrowers would have qualified for prime lending. [[4]](#_ftn4)\n\nFor CFPB, the NMDB program supports policymaking and research efforts and helps identify and understand emerging mortgage and housing market trends. CFPB uses the NMDB, among other purposes, in support of the market monitoring called for by the Dodd-Frank Wall Street Reform and Consumer Protection Act, including understanding how mortgage debt affects consumers and for retrospective rule review required by the statute.\n\n### Safeguards\n\nNo information on borrower names, addresses, Social Security numbers, or dates of birth is ever used or stored by FHFA or CFPB as part of the NMDB program. Furthermore, safeguards are in place to ensure that information in the database is not used to identify individual borrowers or lenders and is handled in full accordance with federal privacy laws and the Fair Credit Reporting Act (FCRA).\n"} diff --git a/chunks/json/5140321627591b5d327ddc7710c07099c869c0eb0b06ab68c7d0fe47d0a1645f.json b/chunks/json/5140321627591b5d327ddc7710c07099c869c0eb0b06ab68c7d0fe47d0a1645f.json new file mode 100644 index 0000000000000000000000000000000000000000..1c4d7f1c0486fb5c95a9e299baeb05184c8f0ffd --- /dev/null +++ b/chunks/json/5140321627591b5d327ddc7710c07099c869c0eb0b06ab68c7d0fe47d0a1645f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17813,"char_start":15653,"chunk_id":"chk_1421fbe2a07bafb1","chunk_index":6,"chunk_sha256":"5140321627591b5d327ddc7710c07099c869c0eb0b06ab68c7d0fe47d0a1645f","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2b6a9e94e3fa6d9e","text_sha256":"5140321627591b5d327ddc7710c07099c869c0eb0b06ab68c7d0fe47d0a1645f","token_estimate":593,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Freddie_Mac_Single_Fam_r5x1k.md"]},"text":"### UAD 3.6 Lender Preparedness Webinar\n\nThe GSEs recently discussed how lenders can prepare for the UAD 3.6 and Forms Redesign. Watch the video.\n\n> *[Iframe content not accessible: https://www.youtube.com/embed/xj4ae7-MArg?si=MGMo-lV__0iH9qNX]*\n\n## Additional Resources\n\n- [UAD Inspection and Reporting Tips](/docs/pdf/uad-inspection-and-reporting-tips.pdf)\n- [UAD 3.6 Combined Sample Scenarios](/docs/pdf/uad-sample-scenarios-combined.pdf)\n- [UAD 3.6 Condition and Quality Ratings Definitions](/docs/pdf/uad-condition-quality-ratings-definitions.pdf)\n- [Limited Production Readiness Overview for Lenders](/docs/pdf/uad-lpp-readiness-overview-for-lenders.pdf)\n- [Limited Production Lender Readiness Questionnaire](https://sf.freddiemac.com/docs/pdf/uad-lpp-lender-readiness-questionnaire.pdf)\n- [UAD and Forms Redesign Timeline](/docs/pdf/fact-sheet/uad-redesign-timeline.pdf)\n- [UAD Lender Readiness Kit](https://sf.freddiemac.com/docs/pdf/uad-lender-readiness-kit.pdf)\n- [Functioning without Form Numbers: Mapping Legacy Forms to Redesigned Uniform Appraisal Report (URAR) Property Type Characteristics](https://sf.freddiemac.com/docs/pdf/functioning-without-form-numbers-mapping-legacy-forms-to-URAR.pdf)\n- [UAD and Forms Redesign Partner Playbook](/docs/pdf/requirements/uad_partner_playbook.pdf)\n- [UAD 2.6 FAQ](/faqs/uad-faq)\n- [UAD 3.6 FAQ](/faqs/uad-and-forms-redesign)\n- [UAD and Forms Redesign Summary Report](/docs/pdf/fact-sheet/uad-and-forms-redesign-summary-report.pdf)\n- [Industry Stakeholder Input Phase 1 Executive Summary](/docs/pdf/other/uadexecutivesummary_fre_20181217.pdf)\n- [UAD Redesign Snapshot](/docs/pdf/other/uad-redesign-snapshot.pdf)\n- [UMDP Disclaimer and Limitation on Liability](/tools-learning/uniform-mortgage-data-program/umdp-disclaimer-and-limitation-on-liability)\n- [Learn more about UAD and UCDP training resources](https://learn.sf.freddiemac.com/ces)\n- [UAD 2.6 Overview](/docs/pdf/fact-sheet/uniform_appraisal_dataset_879.pdf)\n- [Uniform Collateral Data Portal Page](/tools-learning/uniform-mortgage-data-program/ucdp)\n- [Uniform Mortgage Data Program Page](/tools-learning/uniform-mortgage-data-program/overview)\n"} diff --git a/chunks/json/51427b602961dfa87eb211c43a4eadd51ba9d3869c857545ace0e3219b63f3b7.json b/chunks/json/51427b602961dfa87eb211c43a4eadd51ba9d3869c857545ace0e3219b63f3b7.json new file mode 100644 index 0000000000000000000000000000000000000000..b61a6addd3e46a5cbea658d5fff47ec229f0411d --- /dev/null +++ b/chunks/json/51427b602961dfa87eb211c43a4eadd51ba9d3869c857545ace0e3219b63f3b7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":92138,"char_start":90378,"chunk_id":"chk_0c1d7640a5b37698","chunk_index":54,"chunk_sha256":"51427b602961dfa87eb211c43a4eadd51ba9d3869c857545ace0e3219b63f3b7","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"51427b602961dfa87eb211c43a4eadd51ba9d3869c857545ace0e3219b63f3b7","token_estimate":440,"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\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\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\nCR\n\nCR\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 35 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\n74\n\n75\n\n76\n\n77\n\n78\n\n79\n\n80\n\n81\n\n82\n\n83\n\n84\n\n85\n\n86\n\n87\n\n88\n\n89\n\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\n69\n\nNEIGHBORHOOD\n\n70\n\nNEIGHBORHOOD\n\n71\n\nNEIGHBORHOOD\n\n72\n\nNEIGHBORHOOD\n\n73\n\nNEIGHBORHOOD\n\n74\n\nNEIGHBORHOOD\n\n75\n\nNEIGHBORHOOD\n\nMarketing Time\nOver 6 mths\n\nOne-Unit Housing\nPrice $ (000)\nLow\nOne-Unit Housing\nPrice $ (000)\nHigh\nOne-Unit Housing\nPrice $ (000)\nPred.\nOne-Unit Housing\nAge (yrs)\nLow\nOne-Unit Housing\nAge (yrs)\nHigh\nOne-Unit Housing\nAge (yrs)\nPred.\n\n76\n\nNEIGHBORHOOD\n\nPresent Land Use %\nOne-Unit\n\n77\n\nNEIGHBORHOOD\n\nPresent Land Use %\n2-4 Unit\n\n78\n\nNEIGHBORHOOD\n\nPresent Land Use %\nMulti-Family\n\n79\n\nNEIGHBORHOOD\n\nPresent Land Use %\nCommercial\n\n81\n\nNEIGHBORHOOD\n\nPresent Land Use %\nOther\n\n82\n\nNEIGHBORHOOD\n\nNeighborhood\nBoundaries\n\n83\n\n84\n\n85\n\nNEIGHBORHOOD\n\nNeighborhood\nDescription\n\nNEIGHBORHOOD Market Conditions\n\nSITE\n\nDimensions\n\nNeighborhood\nTypical Marketing\nTime Duration Type\nNeighborhood\nHousing Low Price\nAmount\nNeighborhood\nHousing High Price\nAmount\nNeighborhood\nHousing Predominant\nPrice Amount\nNeighborhood\nHousing Newest\nYears Count\nNeighborhood\nHousing Oldest\nYears Count\nNeighborhood\nHousing Predominant\nAge Years Count\n"} diff --git a/chunks/json/5152ab32716d20b9b0206ff0809740a2c784bf1c96dc1d90733f69b217d16dba.json b/chunks/json/5152ab32716d20b9b0206ff0809740a2c784bf1c96dc1d90733f69b217d16dba.json new file mode 100644 index 0000000000000000000000000000000000000000..30a84af6bbb92052095536b32097d873206931cd --- /dev/null +++ b/chunks/json/5152ab32716d20b9b0206ff0809740a2c784bf1c96dc1d90733f69b217d16dba.json @@ -0,0 +1 @@ +{"chunk":{"char_end":35351,"char_start":33746,"chunk_id":"chk_f7f2cfe1ffafe58b","chunk_index":19,"chunk_sha256":"5152ab32716d20b9b0206ff0809740a2c784bf1c96dc1d90733f69b217d16dba","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"5152ab32716d20b9b0206ff0809740a2c784bf1c96dc1d90733f69b217d16dba","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"Completion Report Commentary\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n06.001 Completion\n\nIf applicable\n\nFree-form\n\nReport\nCommentary\n\nDefinition / Additional Guidance\n\nCommentary could include information pertinent to the Completion Report\nthat is not captured in the discrete data, or additional details to support the\ndiscrete data that is provided.\n•\n\nIf there were repair items that were not completed (03.005), or new\nobserved items for repair, further commentary may be provided here.\nDescribe resolution of new observed items for repair, including\ncompletion comments and date.\nIf construction is not complete (05.001), provide details and describe the\nitems (Completion Status Example 2).\nIf original plans and specs were not met (05.002), comment on the\nimpact(Completion Status Example 3).\n\n•\n\n•\n\n•\n\nNote: The appraiser should avoid commenting on the impact to value, so that\nthey do not inadvertently communicate a value opinion outside of an appraisal\nreport.\n\nAppendix F-3: Completion Report Reference Guide\n\nPage 20 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n07 Completion Report Exhibits\n\n07 Completion Report Exhibits\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\nReference published guidelines by the GSEs, government agencies, or other identified secondary market\nparticipants for specific guidance.\n"} diff --git a/chunks/json/5154346f886d149463e508593db159b6d344c718aa9f5933ea4272d54a661eca.json b/chunks/json/5154346f886d149463e508593db159b6d344c718aa9f5933ea4272d54a661eca.json new file mode 100644 index 0000000000000000000000000000000000000000..de7070e13c2dc20b8207d8d21eab43eca1da6c46 --- /dev/null +++ b/chunks/json/5154346f886d149463e508593db159b6d344c718aa9f5933ea4272d54a661eca.json @@ -0,0 +1 @@ +{"chunk":{"char_end":804089,"char_start":802486,"chunk_id":"chk_5ad64caed628efbb","chunk_index":477,"chunk_sha256":"5154346f886d149463e508593db159b6d344c718aa9f5933ea4272d54a661eca","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5154346f886d149463e508593db159b6d344c718aa9f5933ea4272d54a661eca","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Project Analysis\nGround Rent\nIndicator\n\nProject Analysis\nGround Rent\nIndicator\nProject Analysis\nGround Rent\nAmount\nProject Analysis\nGround Rent\nDescription\n\nIndicates that the project is subject to\nground rents.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@\n_GroundRentIndicator='Y']\n\nIndicates that the project is subject to\nground rents.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@\n_GroundRentIndicator='N']\n\nIdentifies the annual ground rent amount\nfor the project unit.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/@\n_GroundRentAmount\n\nA free-form text field describing the\nground rent.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/@\n_GroundRentDescription\n\nPROJECT\nINFORMATION\n\nAre the parking facilities adequate for\nthe project size and type?\nYes\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\nPROJECT\nINFORMATION\n\nAre the parking facilities adequate for\nthe project size and type?\nNo\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\n4000\n\n1\n\n1\n\n12\n\n4000\n\n1\n\n1\n\nFormat\n\nBoolean\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\nPDF Display Format:\nWhole numbers only.\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nBoolean\n\nBoolean\n\nMoney\n\nString\n"} diff --git a/chunks/json/515663fedc6516656de54c49ca5e0e5f49f42e3286aea28d9f6c55c8132557c7.json b/chunks/json/515663fedc6516656de54c49ca5e0e5f49f42e3286aea28d9f6c55c8132557c7.json new file mode 100644 index 0000000000000000000000000000000000000000..d1a002fe4945f50fadead686aec44bcec79569a1 --- /dev/null +++ b/chunks/json/515663fedc6516656de54c49ca5e0e5f49f42e3286aea28d9f6c55c8132557c7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":429017,"char_start":427310,"chunk_id":"chk_dfad162a3d653b2e","chunk_index":251,"chunk_sha256":"515663fedc6516656de54c49ca5e0e5f49f42e3286aea28d9f6c55c8132557c7","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"515663fedc6516656de54c49ca5e0e5f49f42e3286aea28d9f6c55c8132557c7","token_estimate":427,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"25\n\nString\n\nUAD Requirement - Refer to Appendix D Site Section\nThis field must indicate the source of gas service, if present and not public. If no gas\nservice is present, enter 'None' in the description field.\n\n108\n\nPROJECT SITE\n\n109\n\nPROJECT SITE\n\nUtilities\nWater\nPublic\n\nUtilities\nWater\nOther\n\nSite Utility Public\nIndicator\n\nIndicates whether the utility specified by\nSite Utility Type is a public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Water\n']/@_PublicIndicator\n\nSite Utility Non\nPublic Indicator\n\nIndicates whether the utility specified by\nSite Utility Type is a non-public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Water\n']/@_NonPublicIndicator\n\n1\n\n1\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the\nbox has not been checked.\n\nBoolean\n\nIf no water service is present, enter 'None' in the description field.\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the\nbox has not been checked.\n\nBoolean\n\nIf no water service is present, enter 'None' in the description field.\n\n110\n\nPROJECT SITE\n\nUtilities\nWater\nOther (describe)\n\nSite Utility Non\nPublic Description\n\nA free-form text field used to describe the\nownership of the utility specified by Site\nUtility Type if it is a non-public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Water\n']/@_NonPublicDescription\n\n25\n\nString\n\nUAD Requirement - Refer to Appendix D Site Section\nThis field must indicate the water source, if not public. If no water service is present,\nenter 'None' in the description field.\n"} diff --git a/chunks/json/515afff33b2b5ced2b7143ed8a5448f5b1386ca79ac0209a664bc40ecd79af0e.json b/chunks/json/515afff33b2b5ced2b7143ed8a5448f5b1386ca79ac0209a664bc40ecd79af0e.json new file mode 100644 index 0000000000000000000000000000000000000000..25dc32285c4a55c18e92fa484cd6c85258a7527f --- /dev/null +++ b/chunks/json/515afff33b2b5ced2b7143ed8a5448f5b1386ca79ac0209a664bc40ecd79af0e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":385936,"char_start":384334,"chunk_id":"chk_b977f8106ed0054c","chunk_index":215,"chunk_sha256":"515afff33b2b5ced2b7143ed8a5448f5b1386ca79ac0209a664bc40ecd79af0e","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"515afff33b2b5ced2b7143ed8a5448f5b1386ca79ac0209a664bc40ecd79af0e","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"ROF as “Seller Credit”\n\n12.5 N/A\n\n12.5\n\nSeller Credit\n\nAppendix E: UCD Implementation Guide\n\nPage 176 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\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\nTable 119. Seller Credit\n\n12.5\n\nSeller Credit\n\n12.5 N/A\n\n12. 6 OTHER CREDI TS\n\n@gse:DisplayLabelTe\nxt\n\nSeller Credit\n\nIntegratedDisclosure\nSectionType\n\nPaidAlreadyByOrOnB\nehalfOfBorrowerAtCl\nosing\n\nNot Shown\n\nUnder the heading Other Credits (12.6), the lender must disclose the description, amount, and payer of items\npaid by or on behalf of the borrower. Examples include transferred escrow balances, gift funds, and rebates.\nThese lines have been paid by someone other than the seller or creditor and not disclosed elsewhere in section\nL. If the credit is attributable to a specific cost listed in the Loan Costs or Other Costs tables, that amount should\nbe reflected in the applicable table’s Paid by Others column. Only one type of Other Credit is shown in the\nillustration. If more are required by the business use case, CLOSING _ADJUSTMENT_ITEM is repeated.\n\nSummaries of Transactions\nBORROWER’S TRANSACTION (11.0 – 13.0)\n\n12.0 L. Paid Already by or on Behalf of Borrower at Closing\n0412.4\n\n0512.5 Seller Credit\n\n12.6 Other Credits\n\n06 Rebate from Epsilon Title Co.\n07\n\n12.0.1\n12.4.1\n\n12.5.1\n\n12.6.1\n\n$227,015.00\n\n$2,500.00\n\n$750.00\n\nFigure 104. Other Credits\n\nTable 120. Other Credits\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"} diff --git a/chunks/json/515f70138acbf4ed8006f730710f091ce0a55eab8973765c42088ab0b92d39ab.json b/chunks/json/515f70138acbf4ed8006f730710f091ce0a55eab8973765c42088ab0b92d39ab.json new file mode 100644 index 0000000000000000000000000000000000000000..a8ab5f3c136e0b9bf9255d52a3d1ea7587068a33 --- /dev/null +++ b/chunks/json/515f70138acbf4ed8006f730710f091ce0a55eab8973765c42088ab0b92d39ab.json @@ -0,0 +1 @@ +{"chunk":{"char_end":72106,"char_start":69967,"chunk_id":"chk_3ad8df0666652fca","chunk_index":45,"chunk_sha256":"515f70138acbf4ed8006f730710f091ce0a55eab8973765c42088ab0b92d39ab","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"515f70138acbf4ed8006f730710f091ce0a55eab8973765c42088ab0b92d39ab","token_estimate":535,"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\n36\n\nData PointsContainersLegend:PARTYROLESROLEPartyRoleTypeROLE_DETAILBORROWER_DETAILBorrowerBirthDateMaritalStatusTypeDependentCountBORROWERDEPENDENTSDEPENDENTDependentAgeYearsCountRESIDENCESADDRESSRESIDENCEAddressLineTextAddressUnitIdentifierCityNameStateCodePostalCodeCountryCodeTAXPAYER_IDENTIFIERSTAXPAYER_IDENTIFIERTaxpayerIdentifierTypeTaxpayerIdentifierValueLANDLORDRESIDENCE_DETAILLANDLORD_DETAILMonthlyRentAmountBorrowerResidencyDurationMonthsCountBorrowerResidencyBasisTypeBorrowerResidencyType1a. Personal InformationDECLARATIONDECLARATION_DETAILCitizenshipResidencyTypeContinued\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n37\n\nBORROWERData PointsContainersLegend:1b. Current Employment/Self-Employment and IncomeCURRENT_INCOMECURRENT_INCOME_ITEMSCURRENT_INCOME_ITEMCURRENT_INCOME_ITEM_DETAILIncomeTypeCurrentIncomeMonthlyTotalAmountEmploymentIncomeIndicatorEMPLOYERSEMPLOYERADDRESSAddressLineTextAddressUnitIdentifierCityNameStateCodePostalCodeCountryCodeEMPLOYMENTEmploymentStatusTypeEmploymentClassificationTypeEmploymentPositionDescriptionEmploymentStartDateEmploymentTimeInLineOfWorkMonthsCountSpecialBorrowerEmployerRelationshipIndicatorEmploymentBorrowerSelfEmployedIndicatorOwnershipInterestTypeEmploymentMonthlyIncomeAmountLEGAL_ENTITYLEGAL_ENTITY_DETAILFullNameCONTACTSCONTACTCONTACT_POINTSCONTACT_POINTCONTACT_POINT_TELEPHONEContactPointTelephoneValueIncome ContainersEmployment ContainersGOVERNMENT_BORROWERVAFederalTaxAmountVAStateTaxAmountVALocalTaxAmountVASocialSecurityTaxAmountVAPrimaryBorrowerNontaxableIncomeamountVACoBorrowerNontaxableIncomeAmountVACoBorrowerTaxableIncomeAmountVAPrimaryBorrowerTaxableIncomeAmountINDIVIDUALNAMEFullNameCONTACT_POINTSCONTACT_POINTCONTACT_POINT_TELEPHONEContactPointTelephoneValueDEALPARTYLOANLOANSEXTENSIONOTHERDU:LOAN_EXTENSIONDU:UNDERWRITING_VERIFICATIONSDU:UNDERWRITING_VERIFICATIONPARTIESROLESROLEDU:VerificationReportSupplierTypeDU:VerificationReportIdentifierDU:VerificationReportTypeDU:ForeignIncomeIndicatorDU:SeasonalIncomeIndicatorEXTENSIONOTHERDU:EMPLOYMENT_EXTENSION\n"} diff --git a/chunks/json/5167c5f2dfce17efbd21d68e41927cafa6fb87eac0222af2f8338c8d83d2efa9.json b/chunks/json/5167c5f2dfce17efbd21d68e41927cafa6fb87eac0222af2f8338c8d83d2efa9.json new file mode 100644 index 0000000000000000000000000000000000000000..9eae9a1fd21dc121b74d4b2b811c4868bd66d177 --- /dev/null +++ b/chunks/json/5167c5f2dfce17efbd21d68e41927cafa6fb87eac0222af2f8338c8d83d2efa9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":467621,"char_start":465830,"chunk_id":"chk_9504ea712a193e1e","chunk_index":274,"chunk_sha256":"5167c5f2dfce17efbd21d68e41927cafa6fb87eac0222af2f8338c8d83d2efa9","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"5167c5f2dfce17efbd21d68e41927cafa6fb87eac0222af2f8338c8d83d2efa9","token_estimate":448,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ManagementType='Ma\nnagementAgent']\n\n175, 176\n\nPROJECT\nINFORMATION\n\nManagement Group\nHomeowners' Association and\nDeveloper\n\nProject\nManagement Type\nOther Description\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\nManagement Type\nOther Description\n\nIdentifies type of management associated\nwith the project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ManagementType='Oth\ner' and\n@_ManagementTypeOtherDescription='HomeownersAssociationAndManagemen\ntAgent']\n\n6\n\n6\n\n6\n\n17\n\n17\n\n17\n\n1\n\n1\n\n51\n\n51\n\n51\n\n51\n\n51\n\nNumeric\n\nWhole numbers only.\n\nNumeric\n\nWhole numbers only.\n\nNumeric\n\nWhole numbers only.\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Project Information Section\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Project Information Section\n\nEnumerated\n\nThis field should be indicated only if HOA is checked.\n\nEnumerated\n\nThis field should be indicated only if Developer is checked.\n\nEnumerated\n\nThis field should be indicated only if Management Agent is checked.\n\nEnumerated\n\nThis field should be indicated if HOA and Developer are checked.\n\nEnumerated\n\nThis field should be indicated if HOA and Management Agent are checked.\n\nEither all of fields 1-158, 1-159, 1-160,\n1-161, 1-162, 1-163 (Development\nStage Type = 'Complete') or all of fields\n1-164, 1-165, 1-166, 1-167, 1-168, 1-\n169 (Development Stage Type =\n'Incomplete') should be populated. One\nand only one of these two sets of fields\nshould be populated, and the other set\nof fields should be left blank.\n"} diff --git a/chunks/json/516c774baea004de14f776261633ca6006274c79c84f1e593f979f0bab6dfc22.json b/chunks/json/516c774baea004de14f776261633ca6006274c79c84f1e593f979f0bab6dfc22.json new file mode 100644 index 0000000000000000000000000000000000000000..7dd180fd40ad55947e2d2c0a1a91f21bd08ab914 --- /dev/null +++ b/chunks/json/516c774baea004de14f776261633ca6006274c79c84f1e593f979f0bab6dfc22.json @@ -0,0 +1 @@ +{"chunk":{"char_end":599260,"char_start":597661,"chunk_id":"chk_78bc9ebe247e4c21","chunk_index":356,"chunk_sha256":"516c774baea004de14f776261633ca6006274c79c84f1e593f979f0bab6dfc22","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"516c774baea004de14f776261633ca6006274c79c84f1e593f979f0bab6dfc22","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"No\n\nIf needed to support the condition rating, additional rows may be\nincluded for any features not predefined that were added to the Interior\nFeatures table in the Unit Interior section for the ADU.\n\nExample: Other Interior Feature Example in Unit Interior and Sales\nComparison Approach\n\nOther Interior Feature Condition Summary: A short description\nsummarizing the condition of the additional feature.\n\nNotes:\n•\n\n•\n\nIf the feature does not exist for the comparable ADU, enter\n“None”.\nIf the comparable ADU has an interior feature that the subject\ndoes not have, report as an Additional Row in the Unit(s)\nsubsection for the ADU (22.07.15) and not here.\n\nOverall Quality and Condition\n\nThis subsection represents the reconciliation of all the interior and exterior quality and condition information included in the sales comparison grid.\nAny adjustment is an aggregated conclusion. Reference Appendix 2: Condition and Quality Rating Definitions for definitions.\n\nReport\nField ID\n\n22.11.01\n22.11.03\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: Overall Quality and Condition\n\nQuality\n\nAlways\n\nAlways required\n\nQ1 to Q6\n\nOverall Quality and\nCondition\n•\n\nOverall Quality\nRating 15.000\n\nYes\n22.11.04\n\nOverall Quality Rating: The overall quality rating of all dwellings on the\nproperty.\n\nAny Quality adjustments made in this row include interior and exterior\nquality.\n\nAppendix F-1: URAR Reference Guide\n\nPage 262 of 375\n\nVersion 1.3\n"} diff --git a/chunks/json/5170a38ac293ea55b5133579becbe68d5fd3220458478dd264b83529149c087d.json b/chunks/json/5170a38ac293ea55b5133579becbe68d5fd3220458478dd264b83529149c087d.json new file mode 100644 index 0000000000000000000000000000000000000000..5f7505e9a3f7d2a2dba50add4834f5805df61571 --- /dev/null +++ b/chunks/json/5170a38ac293ea55b5133579becbe68d5fd3220458478dd264b83529149c087d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1636,"char_start":0,"chunk_id":"chk_35ef65ce9123b308","chunk_index":0,"chunk_sha256":"5170a38ac293ea55b5133579becbe68d5fd3220458478dd264b83529149c087d","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"5170a38ac293ea55b5133579becbe68d5fd3220458478dd264b83529149c087d","token_estimate":409,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"Enterprise\nPublic Use Database\nData Dictionary\n\nData Release of 2024 Acquisitions\n\nUpdated: September 29, 2025\n\nFederal Housing\nFinance Agency\n\nTab Name\nSF NFA\n\nSF NFB\n\nSF NFC\n\nTitle\nSingle-Family\nProperties\n\nSingle-Family\nProperties\n\nSingle-Family\nHigh-Cost\nSecuritized\nMortgages\n\nEnterprise Public Use Database\nData Dictionary\n\nData Release of\n2024 Acquisitions\n\nSubtitle\nNational File A\n\nDescription\nThe “National File A” contains mortgage-level data on owner-occupied 1-unit properties.\n\nNational File B\n\nNational File C\n\nThe “National File B” contains unit-level data on all single-family (1-4 unit) properties, including renter-\noccupied 1-unit properties.\n\nThe “National File C” contains mortgage-level data on all high-cost 1st lien mortgages purchased and\nsecuritized by the Enterprises during the calendar year.\nA Portfolio Flag is provided to indicate whether a security backed by the high-cost mortgage is held on the\nEnterprise’s portfolio at year-end. A “high-cost mortgage” is defined as any mortgage with a rate spread\nreported in accordance with applicable HMDA reporting requirements. See 76 Fed. Reg. 60031 (Sept. 28,\n2011), https://www.govinfo.gov/content/pkg/FR-2011-09-28/pdf/2011-24791.pdf.\n\nSF CTF\n\nSingle-Family\nProperties\n\nCensus Tract File\n\nThe “Census Tract File” contains mortgage-level data on all single-family (1-4 unit) properties.\nBeginning with the 2018 release, additional fields 40-57 are sourced from FHFA and based on available\nEnterprise data unless otherwise indicated, as described in 85 Fed. Reg. 34196 (June 3, 2020), see\nhttps://www.govinfo.gov/content/pkg/FR-2020-06-03/pdf/2020-11819.pdf.\n"} diff --git a/chunks/json/518455d0935f97352e80fbb9e33410ce80ae78343ba2134fee870f722650304a.json b/chunks/json/518455d0935f97352e80fbb9e33410ce80ae78343ba2134fee870f722650304a.json new file mode 100644 index 0000000000000000000000000000000000000000..75cbd3ad2d66aa50c65709a18ea85291846ce7be --- /dev/null +++ b/chunks/json/518455d0935f97352e80fbb9e33410ce80ae78343ba2134fee870f722650304a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":272206,"char_start":270488,"chunk_id":"chk_eb4aee398bcb5a13","chunk_index":240,"chunk_sha256":"518455d0935f97352e80fbb9e33410ce80ae78343ba2134fee870f722650304a","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"518455d0935f97352e80fbb9e33410ce80ae78343ba2134fee870f722650304a","token_estimate":429,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"•\n\nIf one or more functional issues are indicated, comments are required.\n\nFunctional Obsolescence Exhibits\n\nThe Functional Obsolescence Exhibits subsection displays when images are included.\n\n• Any images included must be delivered using ImageCategoryType (UID: 1400.0638, FID: 11.002.1) =\n\n“FunctionalObsolescenceExhibits”.\n\n• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 11.002.2).\n\n\n\nDescriptive caption for exhibit.\nFunctionalObsolescenceExhibit\nzip://location/FunctionalObsolescenceExhibit.jpg\nimage/jpeg\n\n\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n12 Outbuilding\n\nPage 202\n\nThe Outbuilding section provides information about additional structures on the site, other than the main residence(s). Examples include\nstandalone ADUs, barns, and pool houses. Outbuilding characteristics determine the amount of additional information reported.\n\nThis section provides space for additional commentary, exhibits, and any apparent defects, damages, or deficiencies.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 203\n\nThe Outbuilding section displays when ImprovementType (UID: 0300.0009, FID: Not on report) = “Outbuilding”. The subsection repeats for\neach outbuilding. The information that displays in the Outbuilding section varies depending on whether the outbuilding is real property and\nwhether it contains an ADU. When an outbuilding is not considered real property, an abbreviated version of the outbuilding section displays.\n(Figure 12 - 3)\n"} diff --git a/chunks/json/51868ba10e541a433f14eb6094f9bf624253c2538ca09a40b88f2f34326f0673.json b/chunks/json/51868ba10e541a433f14eb6094f9bf624253c2538ca09a40b88f2f34326f0673.json new file mode 100644 index 0000000000000000000000000000000000000000..fbae2b0c16d2456eef5023f4f4c206b0e8e7f47e --- /dev/null +++ b/chunks/json/51868ba10e541a433f14eb6094f9bf624253c2538ca09a40b88f2f34326f0673.json @@ -0,0 +1 @@ +{"chunk":{"char_end":843556,"char_start":841933,"chunk_id":"chk_f5b3fcfddf172e40","chunk_index":501,"chunk_sha256":"51868ba10e541a433f14eb6094f9bf624253c2538ca09a40b88f2f34326f0673","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"51868ba10e541a433f14eb6094f9bf624253c2538ca09a40b88f2f34326f0673","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\nUNIT\nIMPROVEMENTS\n\nAre the heating and cooling for the\nindividual units separately metered?\nNo\n\nStructure Heating\nCooling Metered\nSeparately Indicator\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\n288\n\n289\n\n290\n\n2\n\n2\n\n2\n\n86\n\n87\n\n88\n\nUNIT\nIMPROVEMENTS\n\nAre the heating and cooling for the\nindividual units separately metered?\nIf No, describe and comment on\ncompatibility to other projects in the\nmarket area.\n\nStructure Heating\nCooling Metered\nSeparately\nDescription\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\nOne and only one of fields 2-86, 2-87\n(values of Structure Heating Cooling\nMetered Separately Indicator) should be\nindicated.\n\nOne and only one of fields 2-86, 2-87\n(values of Structure Heating Cooling\nMetered Separately Indicator) should be\nindicated\n\nIf field 2-87 (Structure Heating Cooling\nMetered Separately Indicator = 'N') is\nindicated, this field should be populated.\n\n291\n\n2\n\n89\n\nUNIT\nIMPROVEMENTS\n\nAdditional features (special energy\nefficient items, etc.)\n"} diff --git a/chunks/json/5187566c1fcb33ecb253ea4913b86d8f55321ed9aa447cc6b27c154f4aca6a13.json b/chunks/json/5187566c1fcb33ecb253ea4913b86d8f55321ed9aa447cc6b27c154f4aca6a13.json new file mode 100644 index 0000000000000000000000000000000000000000..1a0df92860de99303659a3a7d910190a17132519 --- /dev/null +++ b/chunks/json/5187566c1fcb33ecb253ea4913b86d8f55321ed9aa447cc6b27c154f4aca6a13.json @@ -0,0 +1 @@ +{"chunk":{"char_end":46895,"char_start":44896,"chunk_id":"chk_821eca83377d0551","chunk_index":72,"chunk_sha256":"5187566c1fcb33ecb253ea4913b86d8f55321ed9aa447cc6b27c154f4aca6a13","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"5187566c1fcb33ecb253ea4913b86d8f55321ed9aa447cc6b27c154f4aca6a13","token_estimate":500,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"SOME PICAS TO INCHES CONVERSIONS\n\nTerminology Used in Style Guide\n\n1.\n\nIn this guide, rule refers to all lines in the report. For example, the “line” above these sentences is a 1-½\npoint rule. Offset refers to the space between the base of text and the rule below it. For example, the rule\nabove these sentences is offset 4 points from the heading above it.\n\nRULE AND OFFSET\n\n2. Vertical spacing between lines of text, sometimes called line spacing, is measured from the base of one\nline of text to the base of the next line of text. The size of the text is separated from the vertical spacing\nmeasurement by a slash “/”. For example, 9/13 means 9 point text with 13 points of vertical spacing.\n\nVERTICAL SPACING\n\nAppendix E: Report Style Guide\n\nPage 13 of 90\n\nVersion 1.4\n\n3.\n\nInitial Caps refers to text set with each word capitalized, unless it is an article, conjunction, or preposition.\n\nINITIAL CAPS EXAMPLES\n\n4. Codes refer to the design elements or styles described throughout this document. These define how each\n\nelement is displayed. The following table is a summary of these codes:\n\nCode\nHDR (HDR-L, HDR-R)\nFTR (FTR-L, FTR-R)\nTITLE\nTITLE-ADD\nSUM-HD\nTAB\nTAB-C\nH1\nH1-TX\nH2\nH2-1\nTX-B\nTXR-B\nTXR\nTXR-I\nTXR-II\nTX-BI\nTAB-TX\nH1-TX\nTXC\nTXC-B\nTXC-B1\nTXC-I\nTXC-I1\nTXC-NP\n\nCodes Used in Style Guide\n\nDescription\nHeader (Left and Right)\nFooter (Left and Right)\nReport Title\nSubject Address for Report Title\nSummary Section Title\nSection Title (Black Tab)\nSection Title (Black Tab) continued to another page\nSubsection Title (Gray Bar)\nItalic text that follows H1 (Gray Bar)\nSubheading (Black Rule)\nSubheading (Black Rule, one column)\nSubheading Bold\nText with Rule - Bold\nText with Rule\nText with Rule Indented\nText with Rule Double Indented\nText Bold Italic\nItalic Text above Tab Rule\nItalic Text in H1 (Gray Bar)\nCommentary Text\nCommentary Text with Bold Intro\nCommentary Text, one column with Bold Intro\nCommentary Text Italic\nCommentary Text Italic, one column\nCommentary Text Numbered Paragraph\n"} diff --git a/chunks/json/519338a8a450d6657177b32478b3b55dead5d1438180261bded3599535c53c51.json b/chunks/json/519338a8a450d6657177b32478b3b55dead5d1438180261bded3599535c53c51.json new file mode 100644 index 0000000000000000000000000000000000000000..b1cc2fd4545692333874606e8e2e32b21a26f75e --- /dev/null +++ b/chunks/json/519338a8a450d6657177b32478b3b55dead5d1438180261bded3599535c53c51.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1145745,"char_start":1144118,"chunk_id":"chk_de555dd84488c994","chunk_index":680,"chunk_sha256":"519338a8a450d6657177b32478b3b55dead5d1438180261bded3599535c53c51","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"519338a8a450d6657177b32478b3b55dead5d1438180261bded3599535c53c51","token_estimate":407,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA\nRISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION\n_SECTION[@ExtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/\nCOMPARISON_DETAIL/@GSEBelowGradeFinishSquareFeetNumber\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/@GSEBasementExitType\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/@GSEBelowGradeRecreationRoomCount\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/@GSEBelowGradeBedroomRoomCount\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/@GSEBelowGradeBathroomRoomCount\n"} diff --git a/chunks/json/5196d8ca6ae31a01d047ee2ad36c0ebb6db986a90bdf9cc95b17ce29a0cff091.json b/chunks/json/5196d8ca6ae31a01d047ee2ad36c0ebb6db986a90bdf9cc95b17ce29a0cff091.json new file mode 100644 index 0000000000000000000000000000000000000000..581110b62ea3443c14771e1fb0234f560cd4a3ff --- /dev/null +++ b/chunks/json/5196d8ca6ae31a01d047ee2ad36c0ebb6db986a90bdf9cc95b17ce29a0cff091.json @@ -0,0 +1 @@ +{"chunk":{"char_end":608387,"char_start":606784,"chunk_id":"chk_886c67756bd3c57a","chunk_index":350,"chunk_sha256":"5196d8ca6ae31a01d047ee2ad36c0ebb6db986a90bdf9cc95b17ce29a0cff091","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"5196d8ca6ae31a01d047ee2ad36c0ebb6db986a90bdf9cc95b17ce29a0cff091","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"The appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question,\nunless specific arrangements to do so have been made beforehand, or as otherwise required by law.\n\nThe appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous\nwastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this\nappraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property\n(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental\nconditions, etc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or\nwarranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that\nmight be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this\nappraisal report must not be considered as an environmental assessment of the property.\n\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 18 of 19\nPage 18 of 19\n\nCertifications\n\nAppraiser Certifications\n\nThe Appraiser certifies and agrees that:\n"} diff --git a/chunks/json/519d7db3d4fff0cd40f0b5de9f394b61f619e46eaf027b5746948400d8a87889.json b/chunks/json/519d7db3d4fff0cd40f0b5de9f394b61f619e46eaf027b5746948400d8a87889.json new file mode 100644 index 0000000000000000000000000000000000000000..d969160bbc5db3ce419f56b7b446462496f2d1a3 --- /dev/null +++ b/chunks/json/519d7db3d4fff0cd40f0b5de9f394b61f619e46eaf027b5746948400d8a87889.json @@ -0,0 +1 @@ +{"chunk":{"char_end":26035,"char_start":25599,"chunk_id":"chk_99edeb3aa27f11d0","chunk_index":8,"chunk_sha256":"519d7db3d4fff0cd40f0b5de9f394b61f619e46eaf027b5746948400d8a87889","date_utc":"2026-01-27T17:46:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2ebd54ecea65dd8b","text_sha256":"519d7db3d4fff0cd40f0b5de9f394b61f619e46eaf027b5746948400d8a87889","token_estimate":144,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Uniform_Mortgage_Data_Program___Fannie_Mae_fh7foa.md","below_target_min_tokens"]},"text":"## 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/51a5a6564ca21775a133fceb75e7b42ed820499d4d7da862d2b96bf5e36388a7.json b/chunks/json/51a5a6564ca21775a133fceb75e7b42ed820499d4d7da862d2b96bf5e36388a7.json new file mode 100644 index 0000000000000000000000000000000000000000..fee929d4acb0282f01affac1d7a9034e65bd9c5f --- /dev/null +++ b/chunks/json/51a5a6564ca21775a133fceb75e7b42ed820499d4d7da862d2b96bf5e36388a7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":412941,"char_start":411241,"chunk_id":"chk_fadcf97d74c8e25b","chunk_index":244,"chunk_sha256":"51a5a6564ca21775a133fceb75e7b42ed820499d4d7da862d2b96bf5e36388a7","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"51a5a6564ca21775a133fceb75e7b42ed820499d4d7da862d2b96bf5e36388a7","token_estimate":425,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"16 Highest and Best Use\n\nHighest and Best Use Commentary\n\nHighest and Best Use Commentary\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\n16.005 Highest and Best\n\nUse\nCommentary\n\nRequired if any answer\nin this section is No, or\nif relevant.\n\nFree-form\n\n• When an answer is No, describe the evidence and support for the reasons\n\n•\n\nwhy.\nAdditional commentary may be provided to include details and other\ninformation relevant to this section.\n\nHighest and Best Use Exhibits\n\nAll photos or images related to the Highest and Best Use section are displayed in the Highest and Best Use\nExhibits subsection. If there are no photos or images, this subsection does not display.\n\nHighest and Best Use Exhibits\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nSee\niGuide\n\nHighest and Best\nUse Exhibits\n\nIf applicable\n\nPhotos or images\n\nDefinition / Additional Guidance\n\nPhotos or images relevant to the Highest and Best Use section may be\nprovided, which display in Highest and Best Use Exhibits. Provide a caption to\nidentify each photo or image.\n\nAppendix F-1: URAR Reference Guide\n\nPage 176 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n17 Market\n\n17 Market\n\nThe Market section always displays and provides information about the current metrics of a market area,\ndetermined by the appraiser. This section focuses on defining the market area, the geographic area, the\nassociated sales and listing activities that directly compete with the subject, and the trends determined by that\ninformation. The Market section provides space for additional commentary and graphs or other exhibits to\nsupport the market analysis.\n"} diff --git a/chunks/json/51a6af9e557bd4d1cdcef271e6a884f0ecef16376f8ecbe646b1c306aa96079e.json b/chunks/json/51a6af9e557bd4d1cdcef271e6a884f0ecef16376f8ecbe646b1c306aa96079e.json new file mode 100644 index 0000000000000000000000000000000000000000..be7c5924099b082947295362eb23d607e1bf9e72 --- /dev/null +++ b/chunks/json/51a6af9e557bd4d1cdcef271e6a884f0ecef16376f8ecbe646b1c306aa96079e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1720,"char_start":0,"chunk_id":"chk_44f826a33509786e","chunk_index":0,"chunk_sha256":"51a6af9e557bd4d1cdcef271e6a884f0ecef16376f8ecbe646b1c306aa96079e","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_01262f3c594c67e9","text_sha256":"51a6af9e557bd4d1cdcef271e6a884f0ecef16376f8ecbe646b1c306aa96079e","token_estimate":525,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/The_Ombudsman___FHFA_5mybwl.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/about/ombudsman\"\ndate_accessed: \"2026-01-27T17:47:56.871Z\"\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/51b1223087b6cbce542f1e7f4b1854968c8905fe216024d6376a4c16dc2a8eef.json b/chunks/json/51b1223087b6cbce542f1e7f4b1854968c8905fe216024d6376a4c16dc2a8eef.json new file mode 100644 index 0000000000000000000000000000000000000000..77e042dc33abe63228d75ffcbc054a9188fe7a6a --- /dev/null +++ b/chunks/json/51b1223087b6cbce542f1e7f4b1854968c8905fe216024d6376a4c16dc2a8eef.json @@ -0,0 +1 @@ +{"chunk":{"char_end":94040,"char_start":92417,"chunk_id":"chk_ba46ff1f242236f3","chunk_index":50,"chunk_sha256":"51b1223087b6cbce542f1e7f4b1854968c8905fe216024d6376a4c16dc2a8eef","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"51b1223087b6cbce542f1e7f4b1854968c8905fe216024d6376a4c16dc2a8eef","token_estimate":406,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"Whereas, in 2015, the Consumer\nFinancial Protection Bureau (CFPB)\nadded new definitions for HMDA data\nelements in amendments to Regulation\nC (12 CFR part 1003), which took effect\non January 1, 2018 for mortgages\noriginated in 2018 and thereafter;\n\nWhereas, as a result of the Regulation\nC amendments, any new data elements\ncollected by the Enterprises that\nconform to the new HMDA definitions\nin Regulation C must be added to the\nPUDB;\n\nWhereas, FHFA identified the data\nelements collected by the Enterprises in\n2018 that conform to the new HMDA\ndefinitions in Regulation C that are of\nappropriate data quality for public\ndisclosure;\n\nWhereas, section 304(j)(2)(B) of\n\nHMDA (12 U.S.C. 2803(j)(2)(B))\nprovides that the CFPB shall protect any\nprivacy interest of borrowers in the\nrelease of HMDA data elements, and the\nCFPB has issued privacy guidance to\nimplement the HMDA statutory privacy\nrequirements (84 FR 649 (Jan. 31,\n2019));\n\nWhereas, pursuant to the requirement\n\nunder the Safety and Soundness Act to\nconsider the HMDA privacy\nrequirements for HMDA data elements\npublished in the PUDB, FHFA is\nfollowing the CFPB privacy guidance for\nall of the HMDA data elements in the\nPUDB, with one minor change to the\nmanner of disclosure of multifamily\nTotal Units;\n\nWhereas, pursuant to the Safety and\nSoundness Act (12 U.S.C. 4543(a)(1)),\nthe Director shall make the required\ndata elements public in forms useful to\nthe public, and has determined that\n\nVerDate Sep<11>2014 18:35 Jun 02, 2020 Jkt 250001 PO 00000 Frm 00048 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"} diff --git a/chunks/json/51b7bd72444419d6700b0c3141c6b7b4cc54258a81d2ed66bc5c72a6bfe844e3.json b/chunks/json/51b7bd72444419d6700b0c3141c6b7b4cc54258a81d2ed66bc5c72a6bfe844e3.json new file mode 100644 index 0000000000000000000000000000000000000000..62c78735d20ac0ed36d331b0d2e031054a66fae6 --- /dev/null +++ b/chunks/json/51b7bd72444419d6700b0c3141c6b7b4cc54258a81d2ed66bc5c72a6bfe844e3.json @@ -0,0 +1 @@ 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Due from Borrower at Closing\n\nTable 112. Adjustments for Items Paid by Seller in Advance\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0\nData\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\n11.9\n\nN/A – XML\n\n…/PRORATION_ITEM\n\n11.9\n\nN/A - XML\n\n11.9.1 HOA Dues\n\n11.9\n\n11.9\n\nHOA Dues\nDD/MM/YYYY to\nDD/MM/YYYY\n\nHOA Dues\nDD/MM/YYYY to\nDD/MM/YYYY\n\n11.9\n\nHOA Dues\n\nIntegratedDisclosur\neSectionType\n\nDueFromBorrowerAt\nClosing\n\nIntegratedDisclosur\neSubsectionType\n\nAdjustmentsForItems\nPaidBySellerInAdvanc\ne\n\nProrationItemAmo\nunt\n\n30.00\n\nROF as “30.00”\n\nProrationItemPaidF\nromDate\n\nProrationItemPaidT\nhroughDate\n\n2018-04-15\n\nROF as “4/15/2018”\n\n2018-04-30\n\nROF as “4/30/2018”\n\nProrationItemType HomeownersAssociat\n\nROF as “HOA Dues”\n\nionDues\n\nHOA Dues\n\n@gse:DisplayLabel\nText\n\nA. FOR MORE I NFORMATI ON\n\n11.0 | 11.0.1 Reg §1026.38(j)(1)(i), pp. 80125, 80357, 80021.\n\n11.1 Reg §1026.38(j)(1)(ii), pp. 80125, 80357, 80021.\n\n11.2 Reg §1026.38(j)(1)(iii), pp. 80125, 80357, 80021.\n"} diff --git a/chunks/json/51c69086b94937b60497c9a4d7d27592ac511ab117ddbd3da1955c3ba99a2fdc.json b/chunks/json/51c69086b94937b60497c9a4d7d27592ac511ab117ddbd3da1955c3ba99a2fdc.json new file mode 100644 index 0000000000000000000000000000000000000000..0389d2efbe8b165325133fbcdb86bf431b0496fe --- /dev/null +++ b/chunks/json/51c69086b94937b60497c9a4d7d27592ac511ab117ddbd3da1955c3ba99a2fdc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10408,"char_start":8809,"chunk_id":"chk_940c65c6a06a21a5","chunk_index":5,"chunk_sha256":"51c69086b94937b60497c9a4d7d27592ac511ab117ddbd3da1955c3ba99a2fdc","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f79354cddab6ed07","text_sha256":"51c69086b94937b60497c9a4d7d27592ac511ab117ddbd3da1955c3ba99a2fdc","token_estimate":400,"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\n- Indian tribe areas\n- High opportunity areas\n- Areas of Concentrated Poverty\nThe Duty to Serve regulation has specific definitions for each of the high needs and high opportunity areas identified in the regulation. This page identifies the specific geographies which qualify for Duty to Serve credit, for each particular definition. For information on Duty to Serve loan performance and acquisitions, view the [Duty to Serve Performance Data web page](/data/duty-to-serve/performance-data).\n\n## Rural Areas\n\nFHFA's current Duty to Serve regulation defines \"rural area\" as: (1) a census tract outside of a metropolitan statistical area, as designated by the Office of Management and Budget; or (2) a census tract in a metropolitan statistical area, as designated by the Office of Management and Budget, that is outside of the metropolitan statistical area's Urbanized Areas as designated by the U.S. Department o​f Agriculture's [**Rural-Urban Commuting Area Code #1**](http://www.ers.usda.gov/data-products/rural-urban-commuting-area-codes.aspx), and outside of tracts with a housing density of over 64 housing units per square mile for USDA's RUCA Code #2. 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. Below is a link to the specific geographies which meet the amended Rural Areas definition.\n\n## Indian Tribe Areas\n"} diff --git a/chunks/json/51d2f85d8a86719069f36aeec55a0adf5c959309f55960ee761e4af3b6b36fc2.json b/chunks/json/51d2f85d8a86719069f36aeec55a0adf5c959309f55960ee761e4af3b6b36fc2.json new file mode 100644 index 0000000000000000000000000000000000000000..6d8772135acf22c310710d295be355f22380a687 --- /dev/null +++ b/chunks/json/51d2f85d8a86719069f36aeec55a0adf5c959309f55960ee761e4af3b6b36fc2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":57165,"char_start":55517,"chunk_id":"chk_9d0a3a0388701620","chunk_index":32,"chunk_sha256":"51d2f85d8a86719069f36aeec55a0adf5c959309f55960ee761e4af3b6b36fc2","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"51d2f85d8a86719069f36aeec55a0adf5c959309f55960ee761e4af3b6b36fc2","token_estimate":412,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"Version 1.3\n\nUniform Appraisal Dataset\n\n09 Certifications and Intended Use / User\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nIntended Users\n\n09.005 The VA …\n\nNot on\nReport\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\nN/A\n\n09.006\n09.007\n\nPredefined text that\ndisplays when\nGovernment Agency\nType (08.004) is VA\n\nAlways required\n\nYes | No\n\nAdditional Intended Users\nIndicates whether there are additional intended users beyond the predefined\ntext.\n\nDisplays when\nAdditional Intended\nUsers is Yes\n\nFree-form\n\nAdditional Intended Users Text\nNote: Additional Intended User(s) cannot be contrary to, and should not\nrepeat, the predefined intended user text.\n\nAppraiser Certifications\n\nThe Appraiser Certifications subsection always displays.\n\nCert 6 (Personal Onsite Inspection by Appraiser)\n\nThe appraiser must indicate whether they performed a personal onsite inspection of the subject property, which\ndetermines which of two predefined versions of Cert 6 displays.\n\nIf the appraiser did not go to the property, they must describe how the conditions or requirements in the\noriginal report have been satisfied. Example:\n\nAppraiser Certifications: Cert 6 (Personal Onsite Inspection by Appraiser)\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n09.014 N/A\n\nAlways required\n\nYes | No\n\nDefinition / Additional Guidance\n\nPersonal Onsite Inspection Performed\n•\n•\n\nYes (the appraiser inspected the subject property from at least the street)\nNo (the appraiser did not go to the property)\n\n09.014\n\nI certify that I\ndid perform a\npersonal onsite\ninspection …\n"} diff --git a/chunks/json/51d34793f9743c37220dfb53a4994f6ea7ff6836c5d857760474876688c10655.json b/chunks/json/51d34793f9743c37220dfb53a4994f6ea7ff6836c5d857760474876688c10655.json new file mode 100644 index 0000000000000000000000000000000000000000..35351944e00b42f9c4bb62327583fa285a0a6cae --- /dev/null +++ b/chunks/json/51d34793f9743c37220dfb53a4994f6ea7ff6836c5d857760474876688c10655.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16187,"char_start":14584,"chunk_id":"chk_f1e8af29a48a1732","chunk_index":9,"chunk_sha256":"51d34793f9743c37220dfb53a4994f6ea7ff6836c5d857760474876688c10655","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ae699ea5c646d934","text_sha256":"51d34793f9743c37220dfb53a4994f6ea7ff6836c5d857760474876688c10655","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Scenario_2_Appraisal/_.pdf/2-to4-unit_Scenario_2_Appraisal_v1.1.pdf"]},"text":"Interior 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 C)\n\nNone\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 10 of 26\n\nUnit Interior - Building 1 - Unit C (continued)\n\nUnit Interior Exhibits\n\nLevel 1 - Bath - Full - Bath 1\n\nLevel 1 - Bath - Full - Bath 2\n\nThis is where the Unit C Bath 1 photo would display.\n\nThis is where the Unit C Bath 2 photo would display.\n\nLevel 1 - Bedroom - Bedroom 1\n\nLevel 1 - Bedroom - Bedroom 2\n\nThis is where the Unit C Bedroom 1 photo would display.\n\nThis is where the Unit C Bedroom 2 photo would display.\n\nLevel 1 - Dining Room\n\nLevel 1 - Kitchen\n\nThis is where the Unit C Dining Room photo would display.\n\nThis is where the Unit C Kitchen photo would display.\n\nLevel 1 - Living Room\n\nThis is where the Unit C Living Room 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 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"} diff --git a/chunks/json/51db709d988f12bb0c5bfcc9fee2f7193d1838e7a6e5da6aac9a08e15c319af6.json b/chunks/json/51db709d988f12bb0c5bfcc9fee2f7193d1838e7a6e5da6aac9a08e15c319af6.json new file mode 100644 index 0000000000000000000000000000000000000000..c8919d4ca742a28c179ed8a4b6fced60c4b9f482 --- /dev/null +++ b/chunks/json/51db709d988f12bb0c5bfcc9fee2f7193d1838e7a6e5da6aac9a08e15c319af6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1152374,"char_start":1150689,"chunk_id":"chk_3928ea5539f69461","chunk_index":684,"chunk_sha256":"51db709d988f12bb0c5bfcc9fee2f7193d1838e7a6e5da6aac9a08e15c319af6","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"51db709d988f12bb0c5bfcc9fee2f7193d1838e7a6e5da6aac9a08e15c319af6","token_estimate":422,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Sale Price\nAdjustment\nDescription\n\nSale Price\nAdjustment\nDescription\n\nSale Price\nAdjustment\nDescription\n\nSale Price\nAdjustment Type\nOther Description\n\nSale Price\nAdjustment\nDescription\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\nA free form text field used to capture\nadditional information when Other is\nselected for Sale Price Adjustment Type.\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 capture\nadditional information when Other is\nselected for Sale Price Adjustment Type.\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_P\nRICE_ADJUSTMENT[@_Type='PorchDeck']/@_Description\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_P\nRICE_ADJUSTMENT[@_Type='Other'][1]/@_TypeOtherDescription\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_P\nRICE_ADJUSTMENT[@_Type='Other'][1]/@_Description\n"} diff --git a/chunks/json/51e120df4894fe0d41c636d30659722cfd528fe32cbfba887e1aa515a5454d60.json b/chunks/json/51e120df4894fe0d41c636d30659722cfd528fe32cbfba887e1aa515a5454d60.json new file mode 100644 index 0000000000000000000000000000000000000000..9d1a6eea68c9ef8ae8a6d783db204b03a817ed31 --- /dev/null +++ b/chunks/json/51e120df4894fe0d41c636d30659722cfd528fe32cbfba887e1aa515a5454d60.json @@ -0,0 +1 @@ +{"chunk":{"char_end":24307,"char_start":22571,"chunk_id":"chk_4cdf90b2c1993f7c","chunk_index":6,"chunk_sha256":"51e120df4894fe0d41c636d30659722cfd528fe32cbfba887e1aa515a5454d60","date_utc":"2026-01-27T17:46:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2ebd54ecea65dd8b","text_sha256":"51e120df4894fe0d41c636d30659722cfd528fe32cbfba887e1aa515a5454d60","token_estimate":431,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Uniform_Mortgage_Data_Program___Fannie_Mae_fh7foa.md"]},"text":"##### ULDD\n\n- [Uniform Loan Delivery Dataset (ULDD)](/delivering/uniform-mortgage-data-program/uniform-loan-delivery-dataset)- Common requirements for loan delivery data\n\n### Related Applications\n\n- [Collateral Underwriter](/applications-technology/collateral-underwriter)®\n - [Desktop Underwriter](/applications-technology/desktop-underwriter-desktop-originator)®\n - [EarlyCheck](/applications-technology/earlycheck)™\n - [Loan Delivery](/applications-technology/loan-delivery)\n - [Loan Delivery Test Environment](/applications-technology/loan-delivery-test-environment)\n - [Uniform Collateral Data Portal (UCDP)](/learning-center/applications/uniform-collateral-data-portal-learning-center)\n - [Uniform Closing Dataset (UCD) Collection Solution](/applications-technology/uniform-closing-dataset-collection-solution)\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"} diff --git a/chunks/json/51fa9630052bfb17fc268e0e0e1ec0fb2ba46e07dbade04ac4173437001f6cc1.json b/chunks/json/51fa9630052bfb17fc268e0e0e1ec0fb2ba46e07dbade04ac4173437001f6cc1.json new file mode 100644 index 0000000000000000000000000000000000000000..0c45ac2c69b967c1fa8a333a454372f933a47bbc --- /dev/null +++ b/chunks/json/51fa9630052bfb17fc268e0e0e1ec0fb2ba46e07dbade04ac4173437001f6cc1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":648761,"char_start":647005,"chunk_id":"chk_681b86b3bff8e841","chunk_index":383,"chunk_sha256":"51fa9630052bfb17fc268e0e0e1ec0fb2ba46e07dbade04ac4173437001f6cc1","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"51fa9630052bfb17fc268e0e0e1ec0fb2ba46e07dbade04ac4173437001f6cc1","token_estimate":439,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"CR\n\nCR\n\nCR\n\nIf field 3-46 is populated, then this field\nshould be populated.\n\nT\n\nT\n\nT\n\nSALES\nCOMPARISON\nAPPROACH\n\nExtra Item\n\nProperty Feature\nDescription\n\nA free-form text field used to further\ndescribe a property feature named in\nProperty Feature Name and associated by\nProperty Feature Sequence Identifier.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/OTHER_FEAT\nURE_ADJUSTMENT[@PropertyFeatureSequenceIdentifier='1']/@PropertyFeatu\nreDescription\n\nSALES\nCOMPARISON\nAPPROACH\n\nExtra Item Adjustment\n\nProperty Feature\nAdjustmentAmoun\nt\n\nThe dollar amount of the adjustment made\nfor the property feature described by\nProperty Feature Description. Property\nFeature Name, Description and\nAdjustment are used to capture\ninformation about property features.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/OTHER_FEAT\nURE_ADJUSTMENT[@PropertyFeatureSequenceIdentifier='1']/@PropertyFeatu\nreAdjustmentAmount\n\nSALES\nCOMPARISON\nAPPROACH\n\nExtra Item\n\nProperty Feature\nDescription\n\nA free-form text field used to further\ndescribe a property feature named in\nProperty Feature Name and associated by\nProperty Feature Sequence Identifier.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/OTHER_FEAT\nURE_ADJUSTMENT[@PropertyFeatureSequenceIdentifier='2']/@PropertyFeatu\nreDescription\n\nSALES\nCOMPARISON\nAPPROACH\n\nExtra Item Adjustment\n\nProperty Feature\nAdjustmentAmoun\nt\n\nThe dollar amount of the adjustment made\nfor the property feature described by\nProperty Feature Description. Property\nFeature Name, Description and\nAdjustment are used to capture\ninformation about property features.\n"} diff --git a/chunks/json/51fb82f4437388fb5971d46f4153a52dceea41404f062a8e90a32979e21d74cb.json b/chunks/json/51fb82f4437388fb5971d46f4153a52dceea41404f062a8e90a32979e21d74cb.json new file mode 100644 index 0000000000000000000000000000000000000000..2e0c6bcb464304e0430a9a6a7983ebe6c1e9bb91 --- /dev/null +++ b/chunks/json/51fb82f4437388fb5971d46f4153a52dceea41404f062a8e90a32979e21d74cb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":81432,"char_start":79387,"chunk_id":"chk_9b7d6b9a8537ecf2","chunk_index":93,"chunk_sha256":"51fb82f4437388fb5971d46f4153a52dceea41404f062a8e90a32979e21d74cb","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"51fb82f4437388fb5971d46f4153a52dceea41404f062a8e90a32979e21d74cb","token_estimate":511,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"“Rating” set as TCH.\n\n• Columns 1 and 2:\n\n15 picas wide (~60 characters max per line in each cell).\n\n• Column 3, 4 ,5:\n\n5 picas wide (~20 characters max per line in each cell).\n\n• Content sets as TB\n\nBUILDING CERTIFICATIONS TABLE\n\nLeft-hand side of page\n\n• Known Efficiency Ratings sets as TXR-B, TXR.\n\nGreen/Energy Efficiency Rating Organization table\n\n• Column heads: “Green/Energy Efficiency Rating Organization,” “Rating,” “Score” set as 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\nGREEN/ENERGY EFFICIENCY ORGANIZATION TABLE\n\nEnergy Efficient & Green Features Impact to Value/Marketability (H1)\n\nLeft-hand side of page\n\n•\n\n“Impact to Value/Marketability” sets as TXR-B, TXR\n\n• “Description” sets as TXC-B x 45 picas (bold lead in to Myriad Pro Regular text)\n\nEnergy Efficient & Green Features Commentary (H1)\n\nSet Commentary as TXC x 45 picas.\n\nEnergy Efficient & Green Features Exhibits (H1)\n\nSubsection does not display if there are no exhibits.\n\n“Sketch” sets as TAB.\n\nIf applicable per iGuide, display “Sketch or Floor Plan Not Available” as TXC-I.\n\nAppendix E: Report Style Guide\n\nPage 42 of 90\n\nVersion 1.4\n\nLeft-hand side of page\n\n•\n\n•\n\n“Measurement Standard” sets as TXR-B, TXR.\n\nIf applicable per iGuide, full page image follows with CAP at top.\n\nSketch Commentary (H1)\n\nSet Commentary as TXC x 45 picas.\n\n“Dwelling Exterior” sets as TAB. If applicable per iGuide, set “Dwelling Exterior – [Structure Identifier]” (brackets\ndo not set, they indicate a placeholder)\n\nLeft-hand side of page\n\n•\n\n“Subject Property Units in Structure,” “Structure Design,” “Floors in Building,” “Dwelling\nStyle,” “Front Door Elevation,” “Townhouse End Unit,” “Townhouse Back to Back,” “Units\nAbove or Below,” “Townhouse Location,” “Year Built,” “Construction Method,” “Converted\nArea,” “Converted Area and Similarity to Rest of Living Area,” “Factory Built Certification,”\n“Structure Volume,” “Window Surface Area,” “Attic,” “Remaining Economic Life,” “Effective\nAge” set as TXR-B, TXR\n"} diff --git a/chunks/json/51fbf97416188589eb349b18e5bf8aeb10de735c62d667543521cfa420d909f0.json b/chunks/json/51fbf97416188589eb349b18e5bf8aeb10de735c62d667543521cfa420d909f0.json new file mode 100644 index 0000000000000000000000000000000000000000..0933c22c2f11a32ed5cb8f06cf2230791042bf67 --- /dev/null +++ b/chunks/json/51fbf97416188589eb349b18e5bf8aeb10de735c62d667543521cfa420d909f0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":213965,"char_start":212244,"chunk_id":"chk_30af6f29846cf31b","chunk_index":205,"chunk_sha256":"51fbf97416188589eb349b18e5bf8aeb10de735c62d667543521cfa420d909f0","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"51fbf97416188589eb349b18e5bf8aeb10de735c62d667543521cfa420d909f0","token_estimate":430,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"\n\nFigure 6 - 6\n\nReference Key Concept - Image Data for detailed guidance on the various ways images are handled in the URAR.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n07 Sketch\n\nPage 150\n\nThe Sketch section contains a sketch or floorplan that represents the dwellings and outbuildings on the subject property and provides space\nfor additional commentary.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 151\n\nThe Sketch section always displays.\n\nThe information displayed in the Sketch section is triggered by the SketchExistsIndicator (UID: 3300.0002, FID: Not on report). The question,\nSketch or Floorplan Provided, does not display.\n\n•\n\n•\n\nIf SketchExistsIndicator (UID: 3300.0002, FID: 7.000) = “false”, “Sketch or Floor Plan Not Available” displays. (Figure 7 - 1)\n\nIf SketchExistsIndicator (UID: 3300.0002, FID: 7.000) = “true” AND\n\no\n\no\n\nImageCategoryType (UID: 1400.0991, FID: 7.002.1) = “SubjectPropertyImprovementSketch”, display “Sketch” with additional\ncaption if provided. (Figure 7 - 2)\n\nImageCategoryType (UID: 1400.0991, FID: 7.002.1) = “FloorPlan”, display “Floor Plan” with additional caption if provided.\n(Figure 7 - 2)\n\no Field label Measurement Standard - MeasurementStandardPublisherType (UID: 3300.0007, FID: 7.001) displays when a sketch\n\nor floor plan is included.\n\nFigure 7 - 1\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 7 - 2\n\nPage 152\n\nIf a sketch or floorplan is provided, it displays as an image in the space provided.\n\nSketch Commentary\n\nThe Sketch Commentary subsection displays when comments are provided. Commentary must use ValuationAnalysisCategoryType (UID:\n0100.0045, FID: Not on report) = “Sketch” and ValuationCommentText (UID: 0100.0044, FID: 7.003).\n"} diff --git a/chunks/json/5209ac9f78c58fcf9230dd0746887401f137460c1a0c6cf2f436ae6783f2e59e.json b/chunks/json/5209ac9f78c58fcf9230dd0746887401f137460c1a0c6cf2f436ae6783f2e59e.json new file mode 100644 index 0000000000000000000000000000000000000000..fe95b333baf59aa52035e4349d6e0c6d6d84965e --- /dev/null +++ b/chunks/json/5209ac9f78c58fcf9230dd0746887401f137460c1a0c6cf2f436ae6783f2e59e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3763,"char_start":2047,"chunk_id":"chk_261a32b19d8f1c2a","chunk_index":1,"chunk_sha256":"5209ac9f78c58fcf9230dd0746887401f137460c1a0c6cf2f436ae6783f2e59e","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d717f80567a593a4","text_sha256":"5209ac9f78c58fcf9230dd0746887401f137460c1a0c6cf2f436ae6783f2e59e","token_estimate":429,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/display.pdf"]},"text":"•\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.\n\nFannie Mae will implement warning-to-fatal severity edits in Q1 2023 to enforce the collection of this new data point. The\nedits will transition to fatal severity on May 1, 2023. See the UCD Phase 3 Critical Edits Matrix for more information.\n\n© 2022 Fannie Mae\n\nDecember 2022\n\nIn Case You Missed It\n\nEffective\nDate\n\nNovember 21\n\nImpacted Area\n\nUCD Critical Edits -\nPhase 3\nImplementation\n\nDescription\n\nOn Nov. 21, 2022, Fannie Mae implemented the following UCD Phase 3 edits updates in UCD production and the UCD\ntest environment:\n\n•\n\nImplemented new edits 3574, 3656, and 3657 as warning-to-fatal severity\n\n• Updated the logic for existing edits 3528 and 3556\n\n•\n\nTurned off edit 3632 due to incorrect firing (the edit will be corrected and turned back on by Dec. 12)\n\n• Removed edit 3621\n\n• Updated feedback message text for several edits to simplify and clarify messaging\n\nSee the UCD Feedback Messages revision history tab and the Phase 3 edits tab for all updates. Please reference the UCD\nCritical Edits Transition Resources page for additional resources.\n\nLenders should review all feedback messages returned by the UCD Collection Solution and resolve any issues, particularly\nfor any Phase 3 edits showing a severity of warning-to-fatal. Lenders can review all UCD edits via the Fannie Mae Connect™\nUCD report.\n\nNovember 21\n\nUCD Edit Updates\n\nOn Nov. 21, 2022, the following updates will be made to existing UCD edits:\n\n• Warning edits 3120 and 3121 will be removed\n• Update will be made to the edit feedback message for fatal edit 3021.\n"} diff --git a/chunks/json/521c034e99ab17dc9feccf8bf22564d5b0b5dc8dbbcb05dbbbeb27b544dd5dc2.json b/chunks/json/521c034e99ab17dc9feccf8bf22564d5b0b5dc8dbbcb05dbbbeb27b544dd5dc2.json new file mode 100644 index 0000000000000000000000000000000000000000..a6846a956d51f57698ea21e55b745b8302d04b68 --- /dev/null +++ b/chunks/json/521c034e99ab17dc9feccf8bf22564d5b0b5dc8dbbcb05dbbbeb27b544dd5dc2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15252,"char_start":13789,"chunk_id":"chk_caeed9ea73c44b5e","chunk_index":8,"chunk_sha256":"521c034e99ab17dc9feccf8bf22564d5b0b5dc8dbbcb05dbbbeb27b544dd5dc2","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8cd058ee3404bf51","text_sha256":"521c034e99ab17dc9feccf8bf22564d5b0b5dc8dbbcb05dbbbeb27b544dd5dc2","token_estimate":491,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Statements___FHFA_1jeous.md"]},"text":"August 18, 2023\n\n## [Federal Housing Agencies Issue Reminder of Mortgage Assistance for Those Impacted by the Maui Wildfires](/news/statement/federal-housing-agencies-issue-reminder-of-mortgage-assistance-for-those-impacted-by-the-maui)\n\nWashington, D.C. – Today, Federal Housing Agencies - Government National Mortgage Association (Ginnie Mae), Federal Housing Administration (FHA), Federal Housing Finance Agency (FHFA), United States Department of Agriculture (USDA), and United States Department of Veterans Affairs (Veterans Affairs)...\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=11)\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/521d71bde94ecf32473d745474a43d53e48428398456c037262f561c5c1fbc09.json b/chunks/json/521d71bde94ecf32473d745474a43d53e48428398456c037262f561c5c1fbc09.json new file mode 100644 index 0000000000000000000000000000000000000000..746b38479708ebde7cbbd9cb97c78f9b2d103c43 --- /dev/null +++ b/chunks/json/521d71bde94ecf32473d745474a43d53e48428398456c037262f561c5c1fbc09.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1083671,"char_start":1082057,"chunk_id":"chk_b569621e3e41ea30","chunk_index":644,"chunk_sha256":"521d71bde94ecf32473d745474a43d53e48428398456c037262f561c5c1fbc09","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"521d71bde94ecf32473d745474a43d53e48428398456c037262f561c5c1fbc09","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"1\n\nBoolean\n\n153\n\n1\n\n146\n\nIMPROVEMENTS Year Built\n\nProperty Structure\nBuilt Year\n\nThe year in which the dwelling on the\nproperty was completed.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@PropertyStructu\nreBuiltYear\n\n4\n\nDate/Time\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.\nUAD Requirement - Refer to Appendix D Improvements Section\nThis is a yes/no field that indicates whether the year built is estimated ('Y' indicates\nestimated, 'N' indicates not estimated).\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\nUAD Requirement - Refer to Appendix D Improvements Section\nThe appraisal report must indicate the subject property’s year built in a four-digit\nformat only, such as 1978 or 2002.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nData Format: yyyy\n\nOne and only one of fields 1-142, 1-143, 1-144\n(values of Building Status Type) should be\nindicated.\n\n147\n\nIMPROVEMENTS Effective Age (Yrs)\n\nGSE Effective Age\nDescription\n\nProvide the effective age of the subject\nproperty that can be represented as a\nsingle number or range.\n\n154\n\n155\n\n156\n\n157\n\n158\n\n159\n\n160\n\n161\n\n162\n\n163\n\n164\n\n165\n\n166\n\n167\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\n148\n\n149\n\nIMPROVEMENTS\n\nIMPROVEMENTS\n\n150\n\nIMPROVEMENTS\n\nFoundation\nConcrete Slab\nFoundation\nCrawl Space\n\nFoundation\nFull Basement\n\n151\n\nIMPROVEMENTS\n\n152\n\nIMPROVEMENTS\n\n153\n\nIMPROVEMENTS\n\nBasement Full\nFinished\n\nFoundation\nPartial Basement\n\nBasement Partial\nFinished\n"} diff --git a/chunks/json/5220a73bb2d59249de1ae9637a39981a43caa16f1fe72a22960e58263ac362d8.json b/chunks/json/5220a73bb2d59249de1ae9637a39981a43caa16f1fe72a22960e58263ac362d8.json new file mode 100644 index 0000000000000000000000000000000000000000..503ef4f121ffc3e5d0396d786777377711ad1b50 --- /dev/null +++ b/chunks/json/5220a73bb2d59249de1ae9637a39981a43caa16f1fe72a22960e58263ac362d8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":394225,"char_start":392472,"chunk_id":"chk_9eaa2232f7add973","chunk_index":233,"chunk_sha256":"5220a73bb2d59249de1ae9637a39981a43caa16f1fe72a22960e58263ac362d8","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"5220a73bb2d59249de1ae9637a39981a43caa16f1fe72a22960e58263ac362d8","token_estimate":439,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Sports Court\n\nAn area, either open or covered, specifically designed for one or more recreational and athletic activities.\n\nBalcony\n\nDeck\n\nGazebo\n\nPatio\n\nPorch\n\nPortico\n\nInground Pool\n\nInground Spa\n\nOutdoor Shower\n\nSauna\n\nProperty Amenity Category: Outdoor Living\n\nAn elevated, often covered, platform surrounded by walls and / or railing systems projecting from the outside of the\nbuilding with access from the structure.\n\nA platform that is located next to or attached to a structure and is accessible from the structure.\n\nA roofed structure that is typically open on all sides.\n\nA solid surface outdoor area located on the site.\n\nA typically covered area surrounded by walls and / or railings projecting from the structure with roof lines attached to or\nsimilar to the structure.\n\nA structural element leading to the entrance of a structure with a roof supported by columns or enclosed walls.\n\nProperty Amenity Category: Water Features\n\nA self-contained and manufactured area built into the ground and designed to be filled with water designated for\nswimming and other aquatic uses. Does not include an above-ground pool.\nNote: If the pool is an indoor pool, select this answer and select Indoor for Amenity Feature.\n\nA structure built into the ground that typically contains hot aerated water and is used for recreational and wellness\nactivities.\nNote: If the spa is an indoor spa, select this answer and select Indoor for Amenity Feature.\n\nAn area open to the elements designed to be used for personal cleaning through the use of flowing water and appropriate\ndrainage.\n\nA room that is designed to be heated to high temperatures, typically with steam.\nNote: If the sauna is an indoor sauna, select this answer and select Indoor for Amenity Feature.\n"} diff --git a/chunks/json/5223b52cd7392b9fed425dc85423010cae984b4d46abb30783421f21959f2e2e.json b/chunks/json/5223b52cd7392b9fed425dc85423010cae984b4d46abb30783421f21959f2e2e.json new file mode 100644 index 0000000000000000000000000000000000000000..76463c23697fd390a16be2443765c5cd8a800568 --- /dev/null +++ b/chunks/json/5223b52cd7392b9fed425dc85423010cae984b4d46abb30783421f21959f2e2e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8334,"char_start":6685,"chunk_id":"chk_6a088e34924f0db8","chunk_index":4,"chunk_sha256":"5223b52cd7392b9fed425dc85423010cae984b4d46abb30783421f21959f2e2e","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_893077f9a03ec710","text_sha256":"5223b52cd7392b9fed425dc85423010cae984b4d46abb30783421f21959f2e2e","token_estimate":412,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-dictionary.pdf"]},"text":"Character\n\nCharacter\n\nsales_range_high\n\nNeighborhood Current\nSale Price Range: High\n\nThe high end of the range of\nprices of one-unit properties in\nthe neighborhood, excluding\nisolated high and low extremes.\n\nNumeric\n\nAllowable\nValues\n\n'1' = Over 75%\n'2' = 25% to 75%\n'3' = Under 25%\n'9' = Missing\n\n'1' = Rapid\n'2' = Stable\n'3' = Slow\n'9' = Missing\n'1' = Increasing\n'2' = Stable\n'3' = Declining\n'9' = Missing\n'1' = Shortage\n'2' = In Balance\n'3' = Over supply\n'9' = Missing\n\n'1' = Under 3\nMonths\n'2' = 3 to 6\nMonths\n'3' = Over 6\nMonths\n'9' = Missing\n\n$5,000 -\n$1,705,000\n\nDisclosure\nAvoidance\nMethod\n\nAppraisal Form\nSection\n\nNotes\n\nNeighborhood\n\nNeighborhood\n\nNeighborhood\n\nNeighborhood\n\nNeighborhood\n\nSales Comparison\nApproach\n\nTop coded to\n$1.7 million for\nhigh-cost areas\nand $720,000 for\nnon-high-cost\n\nFederal Housing Finance Agency\n\n5\n\nField Name\n\nShort Description\n\nDefinition\n\nFormat\n\nAllowable\nValues\n\nUAD PUF Version 2.1 Data Dictionary\n\nsales_range_low\n\nNeighborhood Current\nSale Price Range: Low\n\nThe low end of the range of\nprices of one-unit properties in\nthe neighborhood, excluding\nisolated high and low extremes.\n\nNumeric\n\n$5,000 -\n$1,705,000\n\nAppraisal Form\nSection\n\nNotes\n\nSales Comparison\nApproach\n\nDisclosure\nAvoidance\nMethod\nareas; using\nintervals of\n$10,000,\ndisclosed the\nmidpoint value\nfor the interval\ninto which the\nreported value\nfalls. For\nexample, for a\nreported value of\n$117,835,\ndisclosed as\n$115,000\nbecause it is the\nmidpoint\nbetween\n$110,000 and\n$120,000.\n\nTop coded to\n$1.7 million for\nhigh-cost areas\nand $720,000 for\nnon-high-cost\nareas; using\nintervals of\n$10,000,\ndisclosed the\nmidpoint value\nfor the interval\n"} diff --git a/chunks/json/523dcc6320103eb344363e9a36c93d985fb07afa41e4cfe59d6c5f8fe2f3f581.json b/chunks/json/523dcc6320103eb344363e9a36c93d985fb07afa41e4cfe59d6c5f8fe2f3f581.json new file mode 100644 index 0000000000000000000000000000000000000000..f01fcf27fb0221ffed03db3b377a3abfb74ab629 --- /dev/null +++ b/chunks/json/523dcc6320103eb344363e9a36c93d985fb07afa41e4cfe59d6c5f8fe2f3f581.json @@ -0,0 +1 @@ +{"chunk":{"char_end":449049,"char_start":447283,"chunk_id":"chk_65f896c394f97536","chunk_index":254,"chunk_sha256":"523dcc6320103eb344363e9a36c93d985fb07afa41e4cfe59d6c5f8fe2f3f581","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"523dcc6320103eb344363e9a36c93d985fb07afa41e4cfe59d6c5f8fe2f3f581","token_estimate":442,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"ID (bullet)\n\n4.2.2\n\nLoan Terms Table-Interest Rate (4.2)\n\nForm Field Name\n\nInterest Rate - Can this amount increase after\nclosing? YES\nN/A\n\n4.2.1\n\nInterest Rate\n\nN/A\n\n4.2.3 (2) Can go as high as __% in year #__\n\n4.2.3\n\nCan go as high as __% in year #__2\n\nAIR Table (20.0)\n\nForm Field Name\n\nAdjustable Interest Rate (AIR) Table\n(If 4.2.2 = YES must be included)\nIndex + Margin OR\nInterest Rate Adjustments (#)\nInitial Interest Rate\n\nID\n\n20.0\n\n20.1\n\n20.2\n\n20.3 Minimum/Maximum Interest Rate\n20.3 Minimum/Maximum Interest Rate\n\n4.2.3 (1) Adjusts every # years starting1 in year #__\n\n20.4\n\nN/A\nChange Frequency –First Change Beginning of #\nmonth2\n\nAppendix E: UCD Implementation Guide\n\nPage 208 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n20.0 Adjustable Interest Rate (AIR) Table\n\nTable 140. Loan Terms and AIR Table Interest Rate Features\n\nLoan Terms Table-Interest Rate (4.2)\n\nID (bullet)\n\nForm Field Name\n\n4.2.3 (1) Adjusts every # years3 starting in year #__\n\nID\n\n20.5\n\nAIR Table (20.0)\n\nForm Field Name\n\nChange Frequency–Subsequent Change1 Every #\nmonth after first change\n\nN/A\nN/A\n\n1Describes change events in terms of years\n2Only concerned with first adjustment\n3The change frequency noted here can apply to the\nsubsequent adjustment if the change frequency does not\nchange throughout the life of the loan\n\n20.6\n20.7\n\nLimits on Interest Rate Changes – First Change\nLimits on Interest Rate Changes – Second Change1\n\n1Describes both first & subsequent adjustments\n2Describes change events in terms of months\n\n20. 1 – 20. 7 ADJUSTAB LE RATE LOAN\n\nLoans whose interest rate can adjust based upon the value of an external index are adjustable rate loans\n(ARMs). For example: 30-year 5-3 LIBOR ARM 2/2/12 | LIBOR = 1.5% at consummation | Margin / Floor Rate =\n2.5%.\n"} diff --git a/chunks/json/524a21e6ec8118011880835954c9fce7aa012e0ce29d16fbe912503ec0ce2522.json b/chunks/json/524a21e6ec8118011880835954c9fce7aa012e0ce29d16fbe912503ec0ce2522.json new file mode 100644 index 0000000000000000000000000000000000000000..7fa3c8e6f299efff0ca87685bd9a4c7a97470582 --- /dev/null +++ b/chunks/json/524a21e6ec8118011880835954c9fce7aa012e0ce29d16fbe912503ec0ce2522.json @@ -0,0 +1 @@ +{"chunk":{"char_end":27586,"char_start":25350,"chunk_id":"chk_443b78b7d43e56a8","chunk_index":14,"chunk_sha256":"524a21e6ec8118011880835954c9fce7aa012e0ce29d16fbe912503ec0ce2522","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_80141fc5f7cc473c","text_sha256":"524a21e6ec8118011880835954c9fce7aa012e0ce29d16fbe912503ec0ce2522","token_estimate":559,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1075_466.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\n8. 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/52505af660846c151a9228ca29cb6adb54dceb0b2abb0b9d16661b75a8a77bb4.json b/chunks/json/52505af660846c151a9228ca29cb6adb54dceb0b2abb0b9d16661b75a8a77bb4.json new file mode 100644 index 0000000000000000000000000000000000000000..a0ce0996205e377e718c2e81d53d1e8b074f1b3c --- /dev/null +++ b/chunks/json/52505af660846c151a9228ca29cb6adb54dceb0b2abb0b9d16661b75a8a77bb4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1717,"char_start":0,"chunk_id":"chk_9f0f3013458b2ec9","chunk_index":0,"chunk_sha256":"52505af660846c151a9228ca29cb6adb54dceb0b2abb0b9d16661b75a8a77bb4","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_476ac5ab0f1efe6c","text_sha256":"52505af660846c151a9228ca29cb6adb54dceb0b2abb0b9d16661b75a8a77bb4","token_estimate":525,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Input___FHFA_nfdqx5.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/public-input\"\ndate_accessed: \"2026-01-27T17:48:02.976Z\"\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/525c40a6a5410584ad5105e1d1a3d5240b64b7b683252a5502caeccc5350d1e2.json b/chunks/json/525c40a6a5410584ad5105e1d1a3d5240b64b7b683252a5502caeccc5350d1e2.json new file mode 100644 index 0000000000000000000000000000000000000000..825926e1d69e6dcea8ccc03f483636dbc6974389 --- /dev/null +++ b/chunks/json/525c40a6a5410584ad5105e1d1a3d5240b64b7b683252a5502caeccc5350d1e2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":28465,"char_start":26866,"chunk_id":"chk_3727b205e122d542","chunk_index":17,"chunk_sha256":"525c40a6a5410584ad5105e1d1a3d5240b64b7b683252a5502caeccc5350d1e2","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_893077f9a03ec710","text_sha256":"525c40a6a5410584ad5105e1d1a3d5240b64b7b683252a5502caeccc5350d1e2","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-dictionary.pdf"]},"text":"P90\n\nP95\n\nP99\n\nappraisal_to_contract\n\n204130 101.6 100.4 50.0 150.0 91.7 97.0 100.0 100.0 100.4 102.1 105.1 108.4 123.9\n\ncomparison_to_contract 204071 101.6 100.4 50.0 150.0 91.7 97.0 100.0 100.0 100.4 102.1 105.1 108.4 123.9\n\nFederal Housing Finance Agency\n\n21\n\nUAD PUF Version 2.1 Data Dictionary\n\nbuilt_up Frequency Percent\n\nproperty_value_trend Frequency Percent\n\n1\n\n2\n\n3\n\n9\n\n170025\n\n63.81\n\n93317\n\n35.02\n\n3131\n\n1.17\n\n1\n\n0.00\n\n1\n\n2\n\n3\n\n69192\n\n25.97\n\n196322\n\n73.67\n\n960\n\n0.36\n\ngrowth_rate Frequency Percent\n\n1\n\n2\n\n3\n\n9\n\n3518\n\n1.32\n\n259316\n\n97.31\n\n3631\n\n1.36\n\n9\n\n0.00\n\nlot_size Frequency Percent\n\n1\n\n2\n\n3\n\n4\n\n5\n\n9\n\n46162\n\n17.32\n\n116705\n\n43.80\n\n53618\n\n20.12\n\n18767\n\n7.04\n\n22558\n\n8.47\n\n8664\n\n3.25\n\nmarketing_time Frequency Percent\n\nupdated_last_15_years Frequency Percent\n\n1\n\n2\n\n3\n\n177914\n\n66.77\n\n85914\n\n32.24\n\n2646\n\n0.99\n\n1\n\n2\n\n9\n\n144145\n\n54.09\n\n122302\n\n45.90\n\n27\n\n0.01\n\nyear Frequency Percent\n\nweight Frequency Percent\n\n2017\n\n47320\n\n17.76\n\n20\n\n266474\n\n100.00\n\n2018\n\n42476\n\n15.94\n\n2019\n\n47499\n\n17.83\n\n2020\n\n46707\n\n17.53\n\npurpose Frequency Percent\n\n2021\n\n45383\n\n17.03\n\n2022\n\n37089\n\n13.92\n\n1\n\n2\n\n3\n\n9\n\n209614\n\n78.66\n\n56492\n\n21.20\n\n367\n\n0.14\n\n1\n\n0.00\n\nowner_occupied Frequency Percent\n\n1\n\n2\n\n140520\n\n52.73\n\n125954\n\n47.27\n\ndemand_supply Frequency Percent\n\n1\n\n2\n\n3\n\n75039\n\n28.16\n\n189501\n\n71.11\n\n1934\n\n0.73\n\nFederal Housing Finance Agency\n\n22\n\nUAD PUF Version 2.1 Data Dictionary\n\nquality Frequency Percent\n\ncondition Frequency Percent\n\ngross_living_area Frequency Percent\n\nnumber_comparables Frequency Percent\n\n1\n\n2\n\n3\n\n4\n\n5\n\n105\n\n0.04\n\n804\n\n0.30\n\n65217\n\n24.47\n\n196804\n\n73.85\n\n3544\n\n1.33\n\n1\n\n2\n\n3\n\n4\n\n5\n"} diff --git a/chunks/json/525ca92f4e6664978986d03499ca5e99b371b95c1eb5f91a19e03e1881b3e1b0.json b/chunks/json/525ca92f4e6664978986d03499ca5e99b371b95c1eb5f91a19e03e1881b3e1b0.json new file mode 100644 index 0000000000000000000000000000000000000000..8407a0a9c9df2feda3c82529e1f5a764ab413c2f --- /dev/null +++ b/chunks/json/525ca92f4e6664978986d03499ca5e99b371b95c1eb5f91a19e03e1881b3e1b0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":222183,"char_start":220584,"chunk_id":"chk_12792cfa79c7b8f1","chunk_index":125,"chunk_sha256":"525ca92f4e6664978986d03499ca5e99b371b95c1eb5f91a19e03e1881b3e1b0","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"525ca92f4e6664978986d03499ca5e99b371b95c1eb5f91a19e03e1881b3e1b0","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"8.193\n\nFeeActualPaymentAmount\n\n85.00\n\nThe delivered value is greater than\njust the sum of\n“RecordingFeeForDeed” and\n“RecordingFeeTotal”, indicating that\nother recording fees are part of the\ntransaction.\n\nUCD v2.0 Implementation Guide\n\n- 95 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nTable 45. UCD v2.0 Spec Excerpt - ucd:FeeItemType Data Requirements.\n\nUCD UID\n\nMISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\n8.153\n\nFeePaymentPaidByType\n\n8.154\n\nFeePaymentPaidOutsideOfClosingIndicato\nr\n\nBuyer\n\nfalse\n\n…/FEE[IntegratedDisclosureSectionType=\"TaxesAndOtherGovernmentFees\"]/FEE_PAYMENTS/FEE_PAYMENT\n\n8.193\n\nFeeActualPaymentAmount\n\n100.00\n\nThe delivered value is greater than\njust the sum of\n“RecordingFeeForDeed” and\n“RecordingFeeTotal”, indicating that\nother recording fees are part of the\ntransaction.\n\n8.153\n\nFeePaymentPaidByType\n\n8.154\n\nFeePaymentPaidOutsideOfClosingIndicato\nr\n\nSeller\n\ntrue\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FE\nE_INFORMATION/FEES/FEE[IntegratedDisclosureSectionType=\"TaxesAndOtherGovernmentFees\"]/FEE_DETAIL\n\n8.004\n\nIntegratedDisclosureSectionType\n\nTaxesAndOtherGovernmentFee\ns\n\nIncluded so that the associated fee\ncan be rendered on the CD in the\nintended section.\n\n…/FEE[IntegratedDisclosureSectionType=\"TaxesAndOtherGovernmentFees\"]/FEE_DETAIL/EXTENSION/OTHER/ucd:FEE_DETAIL_E\nXTENSION\n\n15.010\n\nucd:FeeItemType\n\nTransferTax\n\n…/FEE[IntegratedDisclosureSectionType=\"TaxesAndOtherGovernmentFees\"]/FEE_PAID_TO/LEGAL_ENTITY/LEGAL_ENTITY_DETA\nIL\n\n8.212\n\nFullName\n\nAny State\n"} diff --git a/chunks/json/5271d0b3c607e508f6c84daa87362dd470aa72f49d0f1b80d546a02b02ee9afa.json b/chunks/json/5271d0b3c607e508f6c84daa87362dd470aa72f49d0f1b80d546a02b02ee9afa.json new file mode 100644 index 0000000000000000000000000000000000000000..32092fa01996e3840283d29c6074de03055da4bb --- /dev/null +++ b/chunks/json/5271d0b3c607e508f6c84daa87362dd470aa72f49d0f1b80d546a02b02ee9afa.json @@ -0,0 +1 @@ +{"chunk":{"char_end":654158,"char_start":652473,"chunk_id":"chk_a8556fb8edd3bf24","chunk_index":389,"chunk_sha256":"5271d0b3c607e508f6c84daa87362dd470aa72f49d0f1b80d546a02b02ee9afa","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"5271d0b3c607e508f6c84daa87362dd470aa72f49d0f1b80d546a02b02ee9afa","token_estimate":421,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Allowable Answer\n\nDefinition / Additional Guidance\n\nSuperior\n\nSimilar\n\nInferior\n\nThe feature in the comparable unit has greater market demand than the subject unit.\n\nThe feature in the comparable unit has equivalent market demand compared to the subject unit.\n\nThe feature in the comparable unit has less market demand than the subject unit.\n\nAppendix F-1: URAR Reference Guide\n\nPage 291 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAdjusted Rent\n\n23 Rental Information\n\nThe analysis of comparable rentals reflects market reaction to significant variations between the comparable units and the subject unit.\n\nAdjusted Rent (23.03.47) is the sum of the appraiser’s analysis of the differences between the subject unit and the comparable unit. Although no\nadjustments are made within the rental comparison grid, the appraiser must consider the differences and reflect any market reaction in the final\nadjusted rent for each rental comparable.\n\nHeading at the Top of each Rental Comparison Grid\n\nThere is a separate rental comparison grid for each subject property unit that is included in the Rental Information section.\n\nRental Information: Comparable Rental Analysis – Rental Grid Heading\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n23.03.01 Subject\n\nDisplays if applicable\n\nFree-form\n\n23.03.24 #\n\nRequired for each\nrental comparable\n\n1, 2, 3 …\n\nDefinition / Additional Guidance\n\nUnit Identifier\nRedisplays from 23.01.01.\n\nRental Comparable #: The rental comparable unit that is being compared to the\nsubject property unit. Redisplays from 23.02.02.\nNote: Each rental comparable represents a unit and not necessarily the entire\ncomparable property.\n"} diff --git a/chunks/json/527aa6981a2fddb2f7d5b325e469704a0d9ee3f7bd34d0f447f61fca7001091c.json b/chunks/json/527aa6981a2fddb2f7d5b325e469704a0d9ee3f7bd34d0f447f61fca7001091c.json new file mode 100644 index 0000000000000000000000000000000000000000..99452f7fd54c0af529a6261178b84fb7cedd2ac6 --- /dev/null +++ b/chunks/json/527aa6981a2fddb2f7d5b325e469704a0d9ee3f7bd34d0f447f61fca7001091c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8751,"char_start":7089,"chunk_id":"chk_b54612a6816981dd","chunk_index":4,"chunk_sha256":"527aa6981a2fddb2f7d5b325e469704a0d9ee3f7bd34d0f447f61fca7001091c","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_fdad72ce23b7e187","text_sha256":"527aa6981a2fddb2f7d5b325e469704a0d9ee3f7bd34d0f447f61fca7001091c","token_estimate":440,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Accessibility_at_FHFA___FHFA_eumj2.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 AT-A-GLANCE](/about)\n - [FHFA Policies](/about/fhfa-policies)\n - Accessibility At FHFA\n\n# Accessibility at FHFA\n\n## Internet Accessibility Statement\n\nFHFA is committed to maintaining access to our public internet site, [www.FHFA.gov](/node/31), for individuals with disabilities which is comparable to access available to individuals without disabilities in accordance with Section 508 of the Rehabilitation Act of 1973 (29 U.S.C. 794).\n"} diff --git a/chunks/json/52961b4d85dca658702166fd5937de889adff9e0fc71186df522b1ce700f4033.json b/chunks/json/52961b4d85dca658702166fd5937de889adff9e0fc71186df522b1ce700f4033.json new file mode 100644 index 0000000000000000000000000000000000000000..b25e244c0318bb3433280c4bcc55afa0f9d7eeed --- /dev/null +++ b/chunks/json/52961b4d85dca658702166fd5937de889adff9e0fc71186df522b1ce700f4033.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6818,"char_start":5188,"chunk_id":"chk_a1fa1f8eb2eb3257","chunk_index":3,"chunk_sha256":"52961b4d85dca658702166fd5937de889adff9e0fc71186df522b1ce700f4033","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3c733ad8fc557aa7","text_sha256":"52961b4d85dca658702166fd5937de889adff9e0fc71186df522b1ce700f4033","token_estimate":407,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.pdf/Condo1_Appraisal_v1.3.pdf"]},"text":"Yes No\n \n \n \n \n \n \n \n\n \n\nCredentials\n\nID\nState\nExpires\n\nCredentials\n\nLevel\nID\nState\nExpires\n\n2381\nCA\n06/01/2021\n\nCertified Residential\n319721784\nCA\n09/01/2021\n\nAttachment Type\nUnits Excluding ADUs\nAccessory Dwelling Units\nSpecial Tax Assessments\n\nAttached\n1\n0\nNo\n\nAppraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 3 of 22\nPage 3 of 22\n\nSubject Property (continued)\n\nOwnership Rights\n\nProperty Rights Appraised\n\nFee Simple\n\nLegal Description\n\nTract Number 31313 - Unit Number 202, Parking Spaces G22, G23.\n\nSubject Property Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSite\n\nAssessor Parcel Number (APN)\n4324-007-028-001\n\n4324-007-028-G22\n\n4324-007-028-G23\n\nZoning\n\nAPN Description\nCondominium Unit\n\nParking\n\nParking\n\nParcel Size\n\nCompliance\nClassification Code\nClassification Code Description Mid-rise Condominium;\n12 units per acre average\n\nLegal\nLar4\n\nProperty Access\nPrimary Access\nStreet Type and Surface\nTypical for Market\n\nPublic Street\nLocal Road | Asphalt\nYes\n\nSite Influence\n\nInfluence\nResidential\n\nProximity\nBordering\n\nDetail\n\nImpact\nNeutral\n\nComment\nSubject is surrounded\nby other similar, mid-rise\napartment buildings.\n\nSite Influence Commentary Additional commentary can be added here, if needed by Appraiser.\n\nView and Impact to Value/Marketability\n\nView\nResidential\n\nRange of View\nFull\n\nImpact\nNeutral\n\nView Commentary The area is residential with similar housing stock which appears to have been accepted by the market.\n"} diff --git a/chunks/json/52b7916ba4f2edc0baa2113d5b51635db0f10b66730513de0adb89d7835e2bc6.json b/chunks/json/52b7916ba4f2edc0baa2113d5b51635db0f10b66730513de0adb89d7835e2bc6.json new file mode 100644 index 0000000000000000000000000000000000000000..75cd80d3fa9cefdbc121ccc88498358891f2ec4d --- /dev/null +++ b/chunks/json/52b7916ba4f2edc0baa2113d5b51635db0f10b66730513de0adb89d7835e2bc6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1733,"char_start":0,"chunk_id":"chk_e12ba3489dfd1fb7","chunk_index":0,"chunk_sha256":"52b7916ba4f2edc0baa2113d5b51635db0f10b66730513de0adb89d7835e2bc6","date_utc":"2026-01-27T17:47:54+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ad59aee898368d7c","text_sha256":"52b7916ba4f2edc0baa2113d5b51635db0f10b66730513de0adb89d7835e2bc6","token_estimate":529,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Deemed_Issuance_Ratio___FHFA_982lik.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/policy/deemed-issuance-ratio\"\ndate_accessed: \"2026-01-27T17:47:54.286Z\"\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/52b91c6e2c80c4a5cadf03cb4f53325a90e575c63eb131e14060a5374d2dc6c4.json b/chunks/json/52b91c6e2c80c4a5cadf03cb4f53325a90e575c63eb131e14060a5374d2dc6c4.json new file mode 100644 index 0000000000000000000000000000000000000000..0eeaca465879fdccb6acbbc72309f9717fde87af --- /dev/null +++ b/chunks/json/52b91c6e2c80c4a5cadf03cb4f53325a90e575c63eb131e14060a5374d2dc6c4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":489788,"char_start":488188,"chunk_id":"chk_44e4f50935bf4d46","chunk_index":290,"chunk_sha256":"52b91c6e2c80c4a5cadf03cb4f53325a90e575c63eb131e14060a5374d2dc6c4","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"52b91c6e2c80c4a5cadf03cb4f53325a90e575c63eb131e14060a5374d2dc6c4","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\nThe numerical order assigned by the appraiser to each comparable in the Sales\nComparison Approach section (22.01.06), commonly referred to as the “comp\nnumber.”\n\nPrior Sales or Transfers for Comparable\n•\n\nYes (there are relevant sales or transfers, either within or beyond the\nreporting period).\nNo (there are no relevant sales or transfers. “None” displays, and the\nappraiser must also report their Data Source(s).\n\n•\n\nAssessor Record\nBuilder or Developer\nCooperative Board\nData Aggregator\nDeed\nHomeowners Association\n\nData source(s) used to research the prior sale or transfer history.\n•\n•\n•\n•\n•\n•\n• MLS\n•\n•\n•\n•\n•\n\nPrevious Appraisal File\nProperty Management Company\nProperty Owner\nProperty Tenant\nOther (Describe)\n\nFor reference, see the Statement of Assumptions and Limiting Conditions\nrelevant to data sources and Appraiser Certification 8.\n\nInformation for each Sale or Transfer\n\nIf more than one prior sale or transfer of the subject property or any of the comparable sales occurred within\nthe applicable time period, the appraiser must provide all the applicable details for each.\n\nPrior Sale and Transfer History Details (for Subject and Each Comparable)\n\nReport\nField ID\n\n21.002\n21.008\n\nReport Label\n\nWhen to Include\n\nTransfer Terms\n\nRequired for each sale\nor transfer\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom table\n(Ownership\nTransfer Type)\n\nDefinition / Additional Guidance\n\nOwnership Transfer Type: The type of ownership transfer of real property as\nrecognized in the jurisdiction in which it is located.\n•\n•\n\nDeed Transfer Only\nSale\n"} diff --git a/chunks/json/52c94d76d1088378951fe7bd9ce2e6105e338ca9a1126864d68ff2d7b35b852c.json b/chunks/json/52c94d76d1088378951fe7bd9ce2e6105e338ca9a1126864d68ff2d7b35b852c.json new file mode 100644 index 0000000000000000000000000000000000000000..a9957a854d3b62509561e2a2f0d21877fa58bf0f --- /dev/null +++ b/chunks/json/52c94d76d1088378951fe7bd9ce2e6105e338ca9a1126864d68ff2d7b35b852c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16878,"char_start":15139,"chunk_id":"chk_2886778abef1cdf1","chunk_index":12,"chunk_sha256":"52c94d76d1088378951fe7bd9ce2e6105e338ca9a1126864d68ff2d7b35b852c","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"52c94d76d1088378951fe7bd9ce2e6105e338ca9a1126864d68ff2d7b35b852c","token_estimate":435,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"RELATIONSHIP\n\nxlink:from=”EquifaxCreditScore1” xlink:to=”Borrower1”\nxlink:arcrole=”CREDIT_SCORE_IsAssociatedWith_ROLE”\nxlink:from=”EquifaxCreditScore2” xlink:to=”Borrower2”\nxlink:arcrole=”CREDIT_SCORE_IsAssociatedWith_ROLE”\nxlink:from=”ExperianCreditScore1” xlink:to=”Borrower1”\nxlink:arcrole=”CREDIT_SCORE_IsAssociatedWith_ROLE”\nxlink:from=”ExperianCreditScore2” xlink:to=”Borrower2”\nxlink:arcrole=”CREDIT_SCORE_IsAssociatedWith_ROLE”\nxlink:from=”TransUnionCreditScore1” xlink:to=”Borrower1”\nxlink:arcrole=”CREDIT_SCORE_IsAssociatedWith_ROLE”\nxlink:from=”TransUnionCreditScore2” xlink:to=”Borrower2”\nxlink:arcrole=”CREDIT_SCORE_IsAssociatedWith_ROLE”\n\nSERVICES\n\nSERVICE\n\nCREDIT_RESPONSE\n\nCREDIT_SCORES\n\nCREDIT_SCORE xlink:label=”EquifaxCreditScore1” (Score 690)\nCREDIT_SCORE xlink:label=”EquifaxCreditScore2” (Score 720)\nCREDIT_SCORE xlink:label=”ExperianCreditScore1” (Score 655)\nCREDIT_SCORE xlink:label=”ExperianCreditScore2” (Score 706)\nCREDIT_SCORE xlink:label=”TransUnionCreditScore1” (Score 681)\nCREDIT_SCORE xlink:label=”TransUnionCreditScore2” (Score 710)\n\nPARTIES\n\nPARTY/ROLES/ROLE xlink:label=”Borrower1” (John Doe)\nPARTY/ROLES/ROLE xlink:label=”Borrower2” (Jane Doe)\n\nRELAT IONSHIP ELEMENT T YPES “FROM” AND “T O” END POINT CONDIT IONS\n\nEach from and to attribute value in a RELATIONSHIP element must satisfy the following conditions:\n\n Sufficiency – Each endpoint must unambiguously represent the data that is being linked in the\n\nrelationship.\n\n Uniqueness – Each instance of endpoint must represent a different instance of the relationship.\n\nFor example, to represent the relationship where a party is a borrower on a loan, link the elements\nLOAN and ROLE. That relationship meets the rules of sufficiency and uniqueness.\n"} diff --git a/chunks/json/52e3c6b337ffda7370d554dc85e39e0c5fb6f689870179f8a51467047baf5a62.json b/chunks/json/52e3c6b337ffda7370d554dc85e39e0c5fb6f689870179f8a51467047baf5a62.json new file mode 100644 index 0000000000000000000000000000000000000000..50d54cbb0529b163f3ddd561046cbd214fb31579 --- /dev/null +++ b/chunks/json/52e3c6b337ffda7370d554dc85e39e0c5fb6f689870179f8a51467047baf5a62.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10493,"char_start":8761,"chunk_id":"chk_59cfbd65c1d396b6","chunk_index":5,"chunk_sha256":"52e3c6b337ffda7370d554dc85e39e0c5fb6f689870179f8a51467047baf5a62","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e169cd9642b15146","text_sha256":"52e3c6b337ffda7370d554dc85e39e0c5fb6f689870179f8a51467047baf5a62","token_estimate":433,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Information_Quality___FHFA_9k6xws.md"]},"text":"[FHFA Information Quality Guidelines (2022)](/sites/default/files/2023-02/FHFA-Information-Quality-Guidelines-2022.pdf)\n\n[FHFA Information Quality Annual Reports](/reports/information-quality-report)\n\n**Information Correction Requests and Requests for Reconsideration** should be sent to:\n\n> ​Federal Housing Finance Agency\nATTN: *Information Quality Program (OTIM/OCAC)*\n400 7th Street, S.W.\nWashington, D.C. 20219\n\nEmail: [InformationQuality@FHFA.gov](mailto:InformationQuality@FHFA.gov)​\n\n**What information must I include in my request?**\n\n- Your name, address, telephone number, and organizational affiliation, if any;\n- A description of the specific information that is the subject of the request (title of the document, date of release, URL of the web page on which the information appears, etc.);\n- An explanation of the reasons for believing the information is incorrect, including specific recommendations for correcting the information.\nPersons filing a request or complaint have the burden of proof to demonstrate that the information is not correct. Information requests will be evaluated for completeness and clarity.\n\n**When and how will FHFA respond to my complaint?**\n\nIn general, FHFA will respond in writing within 60 calendar days from the date FHFA receives your complaint. This response time may be extended for up to an additional 60 calendar days. If an extension is required, FHFA will send you a notice and will provide you with an estimated response date. ​\n\n**Peer Review Reports**\n\nFederal Housing Finance Agency does not currently produce or sponsor the distribution of influential scientific information (including highly influential scientific assessments) within the definitions promulgated by OMB.​\n"} diff --git a/chunks/json/52e4a7746859a6b69ce94997e2a07b4fa03aeb29cc7a4dd405c5c9d6c0cb28a5.json b/chunks/json/52e4a7746859a6b69ce94997e2a07b4fa03aeb29cc7a4dd405c5c9d6c0cb28a5.json new file mode 100644 index 0000000000000000000000000000000000000000..6e628c8a0690546d527318f6e9affadc10eb5284 --- /dev/null +++ b/chunks/json/52e4a7746859a6b69ce94997e2a07b4fa03aeb29cc7a4dd405c5c9d6c0cb28a5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18681,"char_start":17155,"chunk_id":"chk_e53316d45543c74b","chunk_index":9,"chunk_sha256":"52e4a7746859a6b69ce94997e2a07b4fa03aeb29cc7a4dd405c5c9d6c0cb28a5","date_utc":"2026-01-27T17:48:05+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_c77231a66dbb61a3","text_sha256":"52e4a7746859a6b69ce94997e2a07b4fa03aeb29cc7a4dd405c5c9d6c0cb28a5","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Enterprise_Housing_Goals___FHFA_y8esnc.md"]},"text":"A map of census tracts identified as [**minority census tracts in 2025** can be ​found **here**](/document/2025-minority-census-tracts.pdf).\n\nA map of census tracts identified as [**low-income census tracts in 2025** can be found **here**](/document/2025-low-income-census-tracts.pdf).\n\nDesignated 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. FHFA calculates the disaster areas increment for the low-income areas home purchase goal each year. The disaster areas increments from 2010 to 2025 are available below.\n\nYear Increment 2010 11% 2011 11% 2012 9% 2013 10% 2014 7% 2015 5% 2016 3% 2017 4% 2018 4% 2019 5% 2020 4% 2021 4% 2022 6% 2023 6% 2024 5% 2025 5% ​Learn more about [low-income census tracts, minority census tracts, and designated disaster areas](/data/underserved-areas).\n\n​\n\n## **Contact**\n\nIf you have any questions or comments about the data or documents, please email [Padma Raman](mailto:Padmasini.Raman@fhfa.gov) or [Omena Ubogu​](mailto:Omena.Ubogu@fhfa.gov).\n\n[**Learn more about Enterprise Housin​g Goals**](/programs/enterprise-affordable-housing-goals)\n\n*La​st 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"} diff --git a/chunks/json/52f595bb398488ccf4fe527be215b96b9c6796fe5cd4fcbc8f46121a16300673.json b/chunks/json/52f595bb398488ccf4fe527be215b96b9c6796fe5cd4fcbc8f46121a16300673.json new file mode 100644 index 0000000000000000000000000000000000000000..5207f732ef19d4949c8e69b98fc3461d40a47bfb --- /dev/null +++ b/chunks/json/52f595bb398488ccf4fe527be215b96b9c6796fe5cd4fcbc8f46121a16300673.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16362,"char_start":14519,"chunk_id":"chk_2eeb9eb136f9a7d9","chunk_index":9,"chunk_sha256":"52f595bb398488ccf4fe527be215b96b9c6796fe5cd4fcbc8f46121a16300673","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_ad0b9497c249c913","text_sha256":"52f595bb398488ccf4fe527be215b96b9c6796fe5cd4fcbc8f46121a16300673","token_estimate":461,"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":"2\n\n0\n\nC4\n\nSimilar\n\nLess\n\n900\n\nSuperior\n\nSimilar\n\nSuperior\n\n0.95\n\nfalse\n\n2020-02\n\nNo\n\nfalse\n\nfalse\n\n1000\n\nPropertyPhoto\n\n\\\\Images\\2-4_RC3.png\n\nimage/png\n\n19.522\n\n-154.934\n\nBayville\n\nfalse\n\nfalse\n\nfalse\n\n15000\n\n1776 Whitecrest Rd\n\nUnit\n\n1\n\nSurfside\n\n12345\n\nHI\n\nNorthEast\n\n4\n\n.5\n\nDwelling\n\n900\n\n2\n\n1\n\n0\n\nC3\n\nSimilar\n\nLess\n\n900\n\nSuperior\n\nSimilar\n\nSimilar\n\n1.44\n\nfalse\n\n2019-10\n\nNo\n\nfalse\n\nfalse\n\n1300\n\nPropertyPhoto\n\n\\\\Images\\2-4_RC4.png\n\nimage/png\n\n19.534\n\n-154.863\n\nHillview Gardens\n\nfalse\n\nfalse\n\nfalse\n\n12000\n\n1776 Whitecrest Rd\n\nUnit\n\n2\n\nSurfside\n\n12345\n\nHI\n\nNorthEast\n\n5\n\n.5\n\nDwelling\n\n1260\n\n3\n\n2\n\n0\n\nC4\n\nInferior\n\nLess\n\n850\n\nSuperior\n\nSimilar\n\nSimilar\n\n0.95\n\nfalse\n\n2019-09\n\nNo\n\nfalse\n\nfalse\n\n1200\n\nPropertyPhoto\n\n\\\\Images\\2-4_RC5.png\n\nimage/png\n\n19.528\n\n-154.838\n\nHillview Gardens\n\nfalse\n\nfalse\n\nfalse\n\n12000\n\n16-204 Whitecrest Dr\n\nSurfside\n\n12345\n\nHI\n\nWest\n\nLess\n\n115\n\n1\n\n.8\n\nPropertyPhoto\n\n\\\\Images\\2-4_GRMComp1.png\n\nimage/png\n\n19.464\n\n-154.8385\n\n0\n\n2\n\n2300\n\ntrue\n\n2019-02-24\n\n265000\n\nSale\n\n15-137 Stoneback Ave\n\nSurfside\n\n12345\n\nHI\n\nEast\n\nLess\n\n107\n\n2\n\n.3\n\nPropertyPhoto\n\n\\\\Images\\2-4_GRMComp2.png\n\nimage/png\n\n19.5021\n\n-154.8203\n\n0\n\n3\n\n2700\n\nfalse\n\n2019-05-31\n\n289000\n\nSale\n\n16-207 Starmind Blvd\n\nSurfside\n\n12345\n\nHI\n\nWest\n\nMost\n\n112\n\n3\n\n1.2\n\nPropertyPhoto\n\n\\\\Images\\2-4_GRMComp3.png\n\nimage/png\n\n19.4925\n\n-154.8513\n\n0\n\n2\n\n1700\n\nfalse\n\n2019-08-30\n\n190000\n\nSale\n\n34205-UH\n\nClient\n\nNowhere432159\n\nValuationSoftwareVendor\n\nDifficultyEstimatingDepreciation\n\n110\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 is most similar in size and utility and is given most weight. The income approach is considered reliable and provides support for the value estimate. Comparable #1's gross monthly rent estimated due to owner occupancy of one of the units.\n"} diff --git a/chunks/json/52f5fc320492a57da670ae28b74eb8133e4ceccdf447330b7dc5c57f800bd7df.json b/chunks/json/52f5fc320492a57da670ae28b74eb8133e4ceccdf447330b7dc5c57f800bd7df.json new file mode 100644 index 0000000000000000000000000000000000000000..cd5f36924da521632e44041580410ac16b56eb47 --- /dev/null +++ b/chunks/json/52f5fc320492a57da670ae28b74eb8133e4ceccdf447330b7dc5c57f800bd7df.json @@ -0,0 +1 @@ +{"chunk":{"char_end":664822,"char_start":663091,"chunk_id":"chk_5f59543cfbf2034a","chunk_index":393,"chunk_sha256":"52f5fc320492a57da670ae28b74eb8133e4ceccdf447330b7dc5c57f800bd7df","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"52f5fc320492a57da670ae28b74eb8133e4ceccdf447330b7dc5c57f800bd7df","token_estimate":433,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Appraiser State\n\nThe state in which the address of the\nappraiser is located.\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/@_State\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nCompany Address\n(Line 2)\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\nAPPRAISER\nCERTIFICATION\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nTelephone Number\nAppraiser\nEmail Address\n\nContact Point\nValue\nContact Point\nValue\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\n/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\n50\n\n55\n\n50\n\n50\n\n70\n\n2\n\n10\n\n50\n\n55\n\n10\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms\nvendor software.\n\nShould conform to USPS (Pub 28). The following address elements should be included\nin this field:\n• Street number\n• Street name (including applicable pre-directional indicator, suffix, and/or post-\ndirectional indicator)\n• Address unit designator and number (if applicable)\n"} diff --git a/chunks/json/530df8ad381322844e10750b3db505b45811ed497f7e959b6c8f5228dc6dbe31.json b/chunks/json/530df8ad381322844e10750b3db505b45811ed497f7e959b6c8f5228dc6dbe31.json new file mode 100644 index 0000000000000000000000000000000000000000..bd6f3dd28ee76bbe63a7a777022f50b318084b74 --- /dev/null +++ b/chunks/json/530df8ad381322844e10750b3db505b45811ed497f7e959b6c8f5228dc6dbe31.json @@ -0,0 +1 @@ +{"chunk":{"char_end":44378,"char_start":42739,"chunk_id":"chk_1546cc22ac086949","chunk_index":25,"chunk_sha256":"530df8ad381322844e10750b3db505b45811ed497f7e959b6c8f5228dc6dbe31","date_utc":"2026-01-27T18:32:50+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e76a6c2fd086fb77","text_sha256":"530df8ad381322844e10750b3db505b45811ed497f7e959b6c8f5228dc6dbe31","token_estimate":410,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF1_Appraisal/_.pdf/SF1_Appraisal_v1.3.pdf"]},"text":"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 conclusions and opinions about the real estate that were set forth in this appraisal report. Andrew Appraiser\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\nAppraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 21 of 21\nPage 21 of 21\n\nCertifications (continued)\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"} diff --git a/chunks/json/530f5c98a509dccbca4d7e5b8ed943e51b52c9f8bfa6018df048af8b667fad70.json b/chunks/json/530f5c98a509dccbca4d7e5b8ed943e51b52c9f8bfa6018df048af8b667fad70.json new file mode 100644 index 0000000000000000000000000000000000000000..881c5a898b92f80e5ef34bc7e9b7fddc9447ae41 --- /dev/null +++ b/chunks/json/530f5c98a509dccbca4d7e5b8ed943e51b52c9f8bfa6018df048af8b667fad70.json @@ -0,0 +1 @@ +{"chunk":{"char_end":738584,"char_start":736934,"chunk_id":"chk_20f7434f65270dea","chunk_index":440,"chunk_sha256":"530f5c98a509dccbca4d7e5b8ed943e51b52c9f8bfa6018df048af8b667fad70","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"530f5c98a509dccbca4d7e5b8ed943e51b52c9f8bfa6018df048af8b667fad70","token_estimate":412,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Full Bathroom\nHalf Bathroom\nKitchen\nOther (Describe)\n\nDescription of the defect, damage, or deficiency, as previously entered in\nthe original section.\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)\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 26.009 cannot be As\nIs).\nIf Repair is selected, the estimated cost to repair may be provided.\n\n•\n\nAppendix F-1: URAR Reference Guide\n\nPage 331 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n26 Reconciliation\n\nCost to Repair Reporting Options\n\nWhen included, the estimated cost to repair only displays in the Summary and Reconciliation sections.\nReference published guidelines by the GSEs, government agencies, or other identified secondary market\nparticipants for specific guidance.\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nReconciliation: Cost to Repair\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\nEstimated Cost\nto Repair\n\nReport\nField ID\n\nNot on\nReport\n\n26.026\n26.033\n26.041\n26.049\n26.057\n26.063\n26.069\n\n26.070 Total Cost\n\n26.072 Total Estimated\n\nCost of Items\nRequiring Repair\n\nRequired if there are\ndefects, damages, or\ndeficiencies\n"} diff --git a/chunks/json/5311697085cf8aed681517eb801d52a1cb6cf96dac7b772d9f2b61022b298974.json b/chunks/json/5311697085cf8aed681517eb801d52a1cb6cf96dac7b772d9f2b61022b298974.json new file mode 100644 index 0000000000000000000000000000000000000000..889f9c313b4be8a456ca3807ff581c2243274dbb --- /dev/null +++ b/chunks/json/5311697085cf8aed681517eb801d52a1cb6cf96dac7b772d9f2b61022b298974.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1708,"char_start":0,"chunk_id":"chk_931570bb0881d66b","chunk_index":0,"chunk_sha256":"5311697085cf8aed681517eb801d52a1cb6cf96dac7b772d9f2b61022b298974","date_utc":"2026-01-27T18:10:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_46b708b5eb80d6e1","text_sha256":"5311697085cf8aed681517eb801d52a1cb6cf96dac7b772d9f2b61022b298974","token_estimate":427,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2017.pdf"]},"text":"AMA_PUDB_definitions_2017\n\nData Definitions\nFederal Housing Finance Agency\nFederal Home Loan Bank Purchased Mortgage Files\nFor 2017 Data Release\n\nEffective 10/18/17\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/531844cc6c79151df8034871c7c6be6a2784f6d7e7c91500c92c8c6232154948.json b/chunks/json/531844cc6c79151df8034871c7c6be6a2784f6d7e7c91500c92c8c6232154948.json new file mode 100644 index 0000000000000000000000000000000000000000..17c10b01ad62ad763b36194d2a664689bfefc2ea --- /dev/null +++ b/chunks/json/531844cc6c79151df8034871c7c6be6a2784f6d7e7c91500c92c8c6232154948.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8729,"char_start":7076,"chunk_id":"chk_f6fcb909bd98cf30","chunk_index":4,"chunk_sha256":"531844cc6c79151df8034871c7c6be6a2784f6d7e7c91500c92c8c6232154948","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5caeed6ac2d5622f","text_sha256":"531844cc6c79151df8034871c7c6be6a2784f6d7e7c91500c92c8c6232154948","token_estimate":506,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 2055.pdf"]},"text":"e-18; e-19; e-20\ne-21; e-22; e-23; e-24\n\ne-18; e-19; e-20\ne-21; e-22; e-23; e-24\n\ne-18; e-19; e-20\ne-21; e-22; e-23; e-24\n\ne-18; e-19; e-20\ne-21; e-22; e-23; e-24\n\nNet Adj. 103a %\nGross Adj. 103b %\n\nNet Adj. 103a %\nGross Adj. 103b %\n\nNet Adj. 103a %\nGross Adj. 103b %\n\n74 Total Bdrms. Baths\n\n74 Total Bdrms. Baths\n\n96\n98\n100\n\n96\n98\n100\n\ne-14; e-15; e-16\n\ne-29; e-30; e-31\n\n+ -\n 102\n\n+ -\n102\n\nTotal Bdrms.\n\nBdrms. Baths\n\n+ -\n 102\n\n63 62\n\n63 62\n\n61 60\n\nBaths Total\n\n79 sq. ft.\n\n79 sq. ft.\n\n79 sq. ft.\n\ne-5; e-6; e-7\n\ne-5; e-6; e-7\n\ne-5; e-6; e-7\n\n31 sq. ft.\n\n95\n97\n99\n\n95\n97\n99\n\n40\n42\n44\n\n95\n97\n99\n\ne-17; 70\n\ne-17; 26\n\ne-17; 70\n\ne-17; 70\n\n$ 104\n\n$ 104\n\n$ 103\n\n$ 103\n\n$ 104\n\n$ 103\n\n82\n84\n\n82\n84\n\n101\n\n101\n\n106\n\n101\n\n65\n\n71\n\n65\n\n59\n\n71\n\n80\n\n78\n\n90\n\n94\n\n69\n\n92\n\n67\n\n88\n\n86\n\n73\n\n80\n\n77\n\n85\n\n25\n\n89\n\n75\n\n88\n\n87\n\n34\n\n68\n\n69\n\n92\n\n72\n\n35\n\n76\n\n75\n\n68\n\n24\n\n72\n\n87\n\n73\n\n76\n\n93\n\n91\n\n66\n\n93\n\n93\n\n72\n\n89\n\n36\n\n75\n\n77\n\n87\n\n91\n\n27\n\n37\n\n66\n\n91\n\n94\n\n78\n\n86\n\n76\n\n67\n\n89\n\n90\n\n30\n\n77\n\n38\n\n29\n\n85\n\n28\n\n66\n\n68\n\n85\n\n53\n55\n\n57\n\n59\n\n61\n\n63\n\n65\n\n67\n\n69\n\n71\n\n73\n\n74\n\n78\n\n80\n\n82\n84\n\n86\n\n88\n\n90\n\n92\n\n94\n\n96\n98\n100\n\n109\n\n112\n\n111\n\n108\n\nMy research did did not reveal any prior sales or transfers of the subject property for the three years prior to the effective date of this appraisal.\nData source(s) 110\nMy research did did not reveal any prior sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale.\nData source(s) 113\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\n118\n119\n120\n121\n"} diff --git a/chunks/json/532013a7a63c866b29665b2543f9bfc02d5df1ecbd9d72cd6e198ae3e5be9e81.json b/chunks/json/532013a7a63c866b29665b2543f9bfc02d5df1ecbd9d72cd6e198ae3e5be9e81.json new file mode 100644 index 0000000000000000000000000000000000000000..6879d80e93b0ab0b6e16d3dad2b3ccfb25b958ee --- /dev/null +++ b/chunks/json/532013a7a63c866b29665b2543f9bfc02d5df1ecbd9d72cd6e198ae3e5be9e81.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9030,"char_start":7078,"chunk_id":"chk_424fca36de383d13","chunk_index":4,"chunk_sha256":"532013a7a63c866b29665b2543f9bfc02d5df1ecbd9d72cd6e198ae3e5be9e81","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e15e7e10c4f35593","text_sha256":"532013a7a63c866b29665b2543f9bfc02d5df1ecbd9d72cd6e198ae3e5be9e81","token_estimate":486,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/No_FEAR_Report___U_S__FEDERAL_HOUSING_fvpo0j.md"]},"text":"[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# No FEAR Report\n\n## Breadcrumb\n\n- [Home](/)\n - [Reports](/reports)\n - No FEAR Report\n\nThe No FEAR Act requires federal agency accountability for violations of antidiscrimination and whistleblower protection laws. Federal agencies must notify employees and applicants for employment about their rights under the federal antidiscrimination and whistleblower laws. The No FEAR Act requires each federal agency to report quarterly on its public website summary statistical data related to equal employment opportunity (EEO) complaints filed against it and to report annually on the agency’s efforts to improve compliance with employment discrimination and whistleblower protection laws and detail the status of complaints brought against the agency under these laws.\n"} diff --git a/chunks/json/532b376f72dfde05a023c2ab2c81145b13d8577cb0753c1bbdefc054bd79a09b.json b/chunks/json/532b376f72dfde05a023c2ab2c81145b13d8577cb0753c1bbdefc054bd79a09b.json new file mode 100644 index 0000000000000000000000000000000000000000..5c7db0b8a017c12388c9ae5b30fa841fa2cf481f --- /dev/null +++ b/chunks/json/532b376f72dfde05a023c2ab2c81145b13d8577cb0753c1bbdefc054bd79a09b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":366162,"char_start":364463,"chunk_id":"chk_7361c84e9c3d53aa","chunk_index":203,"chunk_sha256":"532b376f72dfde05a023c2ab2c81145b13d8577cb0753c1bbdefc054bd79a09b","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"532b376f72dfde05a023c2ab2c81145b13d8577cb0753c1bbdefc054bd79a09b","token_estimate":425,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Up to 30% of the units (or of stocks or shares for co-ops) in projects that are subject to rent regulations,\nwhich protect tenants from eviction (if they have chosen not to purchase their unit), will be permitted.\n\nPhasing of projects (single building or multiple buildings) will be considered on a project basis.\n\nThe project sponsor or developer must provide a comprehensive sales and marketing strategy.\n\nAll projects are subject to a site inspection.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 143 of 166\n\nUAD 3.6 Policy\n\nAdditional Requirements - For Condo and PUD Projects Comprised of Manufactured Homes\n\nFor a condo or PUD project comprised of manufactured homes to receive project approval through the standard PERS process,\nthe project must comply with the following requirements.\n\n✓\n\nLender Pre-PERS Submission Review Requirements - For Projects Consisting of Manufactured Homes\n\nReview all aspects of the project to determine that it satisfies Fannie Mae eligibility requirements as stated\nin SB4-2.1-01, General Information on Project Standards.\n\nReview all aspects of the project to determine that it meets all eligibility requirements for the Full Review for\ncondos, requirements for PUDs, and any other applicable requirements.\n\nReview the manufactured housing unit to confirm that it meets all requirements of SB4-1.4-01, Factory-Built\nHousing: Manufactured Housing.\n\nPerform a thorough underwriting analysis of the project and provide the conclusion of such analysis.\n\nNote: If the project is subject to a ground lease, the ground lease must meet the eligibility requirements\nin SB2-3-03, Special Property Eligibility and Underwriting Considerations: Leasehold Estates.\n"} diff --git a/chunks/json/532cecc4e1de9633359cd21653ff86c8f763530cb812051d6c5263739f378848.json b/chunks/json/532cecc4e1de9633359cd21653ff86c8f763530cb812051d6c5263739f378848.json new file mode 100644 index 0000000000000000000000000000000000000000..e30dbffcfae120bf8735959000ce01d2cf927ce7 --- /dev/null +++ b/chunks/json/532cecc4e1de9633359cd21653ff86c8f763530cb812051d6c5263739f378848.json @@ -0,0 +1 @@ +{"chunk":{"char_end":34636,"char_start":34157,"chunk_id":"chk_7d3735915a375eaf","chunk_index":50,"chunk_sha256":"532cecc4e1de9633359cd21653ff86c8f763530cb812051d6c5263739f378848","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"532cecc4e1de9633359cd21653ff86c8f763530cb812051d6c5263739f378848","token_estimate":437,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Sketch Commentary ................................................................................................................................................................................................................. 152\n\n08 Dwelling Exterior ............................................................................................................................................................................................................................. 153\n"} diff --git a/chunks/json/53347d80260344c5e8abffbae04877bacb514324ff5e38f9d9d29823d35fd6d6.json b/chunks/json/53347d80260344c5e8abffbae04877bacb514324ff5e38f9d9d29823d35fd6d6.json new file mode 100644 index 0000000000000000000000000000000000000000..accdbbab656968cbfa61d2e9faa95e14d1ae9e59 --- /dev/null +++ b/chunks/json/53347d80260344c5e8abffbae04877bacb514324ff5e38f9d9d29823d35fd6d6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":59690,"char_start":58080,"chunk_id":"chk_70532e23d774ac01","chunk_index":35,"chunk_sha256":"53347d80260344c5e8abffbae04877bacb514324ff5e38f9d9d29823d35fd6d6","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"53347d80260344c5e8abffbae04877bacb514324ff5e38f9d9d29823d35fd6d6","token_estimate":403,"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\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nR\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 30 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\n11\n\n1\n\n10\n\nSUBJECT\n\nBorrower\n\nGSE Borrower Name\n\nThe unparsed name(s) of person(s) or\nnon-person entities that are the\nborrower(s).\n\n12\n\n1\n\n11\n\nSUBJECT\n\nOwner of Public Record\n\nGSE Property Owner\nName\n\nThe unparsed name(s) of the subject\nproperty owner(s).\n\n/VALUATION_RESPONSE/PARTIES/BORR\nOWER/BORROWER_EXTENSION/BORRO\nWER_EXTENSION_SECTION[@ExtensionSe\nctionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/BORROWER_EXTENSION_SEC\nTION_DATA/BORROWER_NAME/@GSEBo\nrrowerName\n\n/VALUATION_RESPONSE/PROPERTY/_OW\nNER/PROPERTY_OWNER_EXTENSION/PR\nOPERTY_OWNER_EXTENSION_SECTION[\n@ExtensionSectionOrganizationName='UNIFO\nRM APPRAISAL\nDATASET']/PROPERTY_OWNER_EXTENSI\nON_SECTION_DATA/PROPERTY_OWNER/\n@GSEPropertyOwnerName\n\n50\n\nString\n\n45\n\nString\n\n13\n\n14\n\n1\n\n1\n\n12\n\n13\n\nSUBJECT\n\nCounty\n\nProperty County\n\nThe county in which the subject\nproperty is located.\n\n/VALUATION_RESPONSE/PROPERTY/@_C\nounty\n\n30\n\nString\n\nSUBJECT\n\nLegal Description\n"} diff --git a/chunks/json/534208d54058224e5f1556763af3dd8f6b17f6756236dbcae95f61281bf9933f.json b/chunks/json/534208d54058224e5f1556763af3dd8f6b17f6756236dbcae95f61281bf9933f.json new file mode 100644 index 0000000000000000000000000000000000000000..0aaeeb7502c85de9369ca33c937b8e6e478187e0 --- /dev/null +++ b/chunks/json/534208d54058224e5f1556763af3dd8f6b17f6756236dbcae95f61281bf9933f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":170052,"char_start":168441,"chunk_id":"chk_6609f287ccd7c475","chunk_index":98,"chunk_sha256":"534208d54058224e5f1556763af3dd8f6b17f6756236dbcae95f61281bf9933f","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"534208d54058224e5f1556763af3dd8f6b17f6756236dbcae95f61281bf9933f","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Description of Prior Services: Performed an appraisal for refinance purposes in 2017.\n\nSignature\n\nAppraiser\nBill Smith\nBill Smith\n\n09/08/2019\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nCertified Residential\n319721784\nCA\n09/01/2021\n\nAppraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1)\n\nCondominium Scenario 2 (Condo2)\n\nIntroduction\n\nThis report is for a detached condominium, and the site is not owned in common. The rights to the land\nare owned by the homeowner, and the homeowner is responsible for the maintenance of the dwelling.\nThe legal description references condominium.\n\nThe home has one level above grade, one level below grade (walkout basement), and noncontinuous\nfinished space above the garage. It is new construction in a community with a country club and golf\ncourse. Membership in the country club is mandatory for anyone who purchases a home in this\ncommunity. The subject has a golf course view.\n\nKey Characteristics\n\n•\n\nParties associated with this transaction:\n\no Lender\no AMC (Client)\no Appraiser\n\n• Market Value Condition: As Is\n• No Defects, Damages, or Deficiencies noted\n• Desktop appraisal\n\no No subject property inspection by the appraiser (see also Cert 10)\n\n•\n\nSubject Property\n\no Project Legal Structure: Condominium\no Site Owned in Common: No\no Attachment Type : Detached\no Units Excluding ADUs: 1\no Homeowner responsible for all exterior maintenance\no New construction built less than 12 months ago and never lived in. C1 condition rating.\n"} diff --git a/chunks/json/5369e848678d6a95047f3a846e763a61be39e24abe5edd14de8459473902e33e.json b/chunks/json/5369e848678d6a95047f3a846e763a61be39e24abe5edd14de8459473902e33e.json new file mode 100644 index 0000000000000000000000000000000000000000..a580f7933b18b86fce8d12416f8bcbd553bb9655 --- /dev/null +++ b/chunks/json/5369e848678d6a95047f3a846e763a61be39e24abe5edd14de8459473902e33e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10593,"char_start":8860,"chunk_id":"chk_3143785414d1d528","chunk_index":5,"chunk_sha256":"5369e848678d6a95047f3a846e763a61be39e24abe5edd14de8459473902e33e","date_utc":"2026-01-27T17:46:22+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a3584e2909483f25","text_sha256":"5369e848678d6a95047f3a846e763a61be39e24abe5edd14de8459473902e33e","token_estimate":434,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/display (3).pdf"]},"text":"17. Can the UAD Condition and Quality Ratings be applied to manufactured housing?\n\nYes, the Condition and Quality Ratings apply to all residential property types, including manufactured homes.\nThis is a change from UAD 2.6.\n\n18. Why is there a need for component-level Update Status and Condition Status?\n\nThis helps support the Condition and Quality Ratings.\n\n19. Have the Update Statuses for level of work completed changed?\n\nYes. New construction will now be reported as Fully Updated instead of Not Updated. See the URAR Reference\nGuide for details.\n\n• Room Update Status (Kitchens and Baths)\n• Overall Update Status for Bathrooms\n• Overall Update Status for Flooring\n\n20. If a dwelling was built in two different years, how should Year Built be reported on the URAR?\n\nThis depends on whether it was original construction covering multiple years or additional construction done\nyears later.\n\nExample 1: Dwelling was started in 2024 and completed in 2025. The year the structure was completed (2025)\nwould be reported.\n\nExample 2: Dwelling was originally built in 1950, with an addition constructed in 2002. The year of the original\npart of the structure (1950) would be reported.\n\n21. What information is required for accessory dwelling units (ADUs) reported on the URAR?\n\nThe URAR includes more detailed information about ADUs, such as size, condition, rooms, and location. ADUs\ndisplay in a more consistent manner on the new URAR than on the legacy forms, which will make it easier for\nreviewers to identify. See the URAR Reference Guide for details.\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"} diff --git a/chunks/json/536d5f8017f02e5efb3924fb0fc76b4f067bc74454427f836df30e5d8bb30996.json b/chunks/json/536d5f8017f02e5efb3924fb0fc76b4f067bc74454427f836df30e5d8bb30996.json new file mode 100644 index 0000000000000000000000000000000000000000..f8488f0c43d5dbc7c0b7c04935b8a6ea12f1489f --- /dev/null +++ b/chunks/json/536d5f8017f02e5efb3924fb0fc76b4f067bc74454427f836df30e5d8bb30996.json @@ -0,0 +1 @@ +{"chunk":{"char_end":23233,"char_start":20034,"chunk_id":"chk_f2dc115b1daf2c50","chunk_index":11,"chunk_sha256":"536d5f8017f02e5efb3924fb0fc76b4f067bc74454427f836df30e5d8bb30996","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4d5b089ee0719084","text_sha256":"536d5f8017f02e5efb3924fb0fc76b4f067bc74454427f836df30e5d8bb30996","token_estimate":987,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHFA_Mortgage_Loan_and_Natural_Disaster_Dashboard__y11qak.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\\/34296\",\"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/536e3ce61452ba50bdf19f3a2a2fd81f09a36d493da144d8bbf02b06803c5428.json b/chunks/json/536e3ce61452ba50bdf19f3a2a2fd81f09a36d493da144d8bbf02b06803c5428.json new file mode 100644 index 0000000000000000000000000000000000000000..5371a90b291d2a4aeb8960d802b97008fb86c05b --- /dev/null +++ b/chunks/json/536e3ce61452ba50bdf19f3a2a2fd81f09a36d493da144d8bbf02b06803c5428.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3187,"char_start":2728,"chunk_id":"chk_2a6723eda7fbddb3","chunk_index":3,"chunk_sha256":"536e3ce61452ba50bdf19f3a2a2fd81f09a36d493da144d8bbf02b06803c5428","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"536e3ce61452ba50bdf19f3a2a2fd81f09a36d493da144d8bbf02b06803c5428","token_estimate":427,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Document Conventions .............................................................................................................................................................................................................. 7\n\nReport PDF ....................................................................................................................................................................................................................... 8\n"} diff --git a/chunks/json/537b15239f2ebad6bc97de31801a8873be79a097b4a87e0ca135384876890157.json b/chunks/json/537b15239f2ebad6bc97de31801a8873be79a097b4a87e0ca135384876890157.json new file mode 100644 index 0000000000000000000000000000000000000000..e56f7302f518fefd9c0f6b396f2403bdfd6ca4cb --- /dev/null +++ b/chunks/json/537b15239f2ebad6bc97de31801a8873be79a097b4a87e0ca135384876890157.json @@ -0,0 +1 @@ +{"chunk":{"char_end":179180,"char_start":177663,"chunk_id":"chk_c532d1c1d904be0b","chunk_index":86,"chunk_sha256":"537b15239f2ebad6bc97de31801a8873be79a097b4a87e0ca135384876890157","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"537b15239f2ebad6bc97de31801a8873be79a097b4a87e0ca135384876890157","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"4.5 Ref §1026.38(b), p. 80121; Cross reference to §1026.37(b)(4), pp. 80114, 80121, 80335-37, 80340, 79917,\n\n79926-29, 79935, 79937, 79943.\n\nAppendix E: UCD Implementation Guide\n\nPage 79 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n5.0 Projected Payments Table\n\n5.0 PROJECTED PAYMENTS TABLE\n\nThe Projected Payments table is included in the following Closing Disclosure Variations:\n\nTable 70. 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\n5.0\n\nProjected Payments Table\n\n✓\n\n✓\n\n✓\n\nThe purpose of the Projected Payments table is to help borrower(s) understand:\n\n1. How the three major components of their periodic mortgage payment can change over time,\n\n2. Whether the payment can change over the life of the loan, and if so, the limits of the change, and\n\n3. Any unique payment characteristics.\n\n5.0 Projected Payments has two sections: Payment Calculation (Rows 5.1 – 5.5) and Estimated Taxes,\nInsurance and Assessments (Row 5.6) (Figure 53).\n\n5.0 Projected Payments\n\n5.1 Payment Calculation\n\n5.1.1 Years 1 – 5 5.1.2 Years 6 – 8\n\n5.1.3 Years 9 – 11 5.1.4 Years 12 - 30\n\n5.2 Principal & Interest\n\n5.3 Mortgage Insurance\n\n5.4 Estimated Escrow\nAmount can increase over time\n\n5.5 Estimated Total\nMonthly Payment\n\n5.2.1\n5.2.2 $1,007.35\n5.2.3 only interest\n\n5.2.4 $1,007 min\n5.2.5 $1,452 max\n\n5.2.6 $1,007 min\n5.2.7 $1,666 max\n\n5.2.8 $1,007 min\n5.2.9 $1,870 max\n"} diff --git a/chunks/json/538483883d3c5cb38e021643877418a30c6e40e79d5061242e2159ca21857f54.json b/chunks/json/538483883d3c5cb38e021643877418a30c6e40e79d5061242e2159ca21857f54.json new file mode 100644 index 0000000000000000000000000000000000000000..30e2e6d56b9f81fa1cd23035b18981163d2ff010 --- /dev/null +++ b/chunks/json/538483883d3c5cb38e021643877418a30c6e40e79d5061242e2159ca21857f54.json @@ -0,0 +1 @@ +{"chunk":{"char_end":86095,"char_start":84159,"chunk_id":"chk_9ceab7684e9aec9c","chunk_index":52,"chunk_sha256":"538483883d3c5cb38e021643877418a30c6e40e79d5061242e2159ca21857f54","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"538483883d3c5cb38e021643877418a30c6e40e79d5061242e2159ca21857f54","token_estimate":484,"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\n54\n\nData PointsContainersL3. Mortgage Loan InformationADJUSTMENTINTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULEINTEREST_RATE_ADJUSTMENTINTEREST_RATE_LIFETIME_ADJUSTMENT_RULEINTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULESAdjustmentRuleTypePerChangeRateAdjustmentFrequencyMonthsCountMarginRatePercentCeilingRatePercentContinued\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n55\n\nData PointsContainersLegend:L4. Qualifying the BorrowerDEALCOLLATERALSLIABILITIESLIABILITY_SUMMARYCOLLATERALSUBJECT_PROPERTYSALES_CONTRACTSSalesConcessionAmountTotalSubjectPropertyPayoffsAndPaymentsAmountTotalNonSubjectPropertyDebtsToBePaidOffAmountSALES_CONTRACTSALES_CONCESSIONSSALES_CONCESSIONSALES_CONTRACT_DETAILSalesContractAmount\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n56\n\nData PointsContainersLegend:L4. Qualifying the BorrowerLOANDOCUMENT_SPECIFIC_DATA_SETSLOAN_DETAILPURCHASE_CREDITSGOVERNMENT_LOANTERMS_OF_LOANPURCHASE_CREDITDOCUMENT_SPECIFIC_DATA_SETURLAURLA_DETAILURLA_TOTALAlterationsImprovementsAndRepairsAmountEstimatedClosingCostsAmountBorrowerPaidDiscountPointsTotalAmountMIAndFundingFeeFinancedAmountMIAndFundingFeeTotalAmountPrepaidItemsEstimatedAmountPurchaseCreditTypePurchaseCreditTypeOtherDescriptionPurchaseCreditSourceTypePurchseCreditSourceTypeOtherDescriptionPurchaseCreditAmountFHAMIPremiumRefundAmountBaseLoanAmountTotalSubordinateFinancingAmountBelowMarketSubordinateFinancingIndicatorCLOSING_INFORMATIONCLOSING_ADJUSTMENT_ITEMCLOSING_ADJUSTMENT_ITEMSCLOSING_INFORMATION_DETAILClosingAdjustmentItemTypeClosingAdjustmentItemAmountCashToBorrowerAtClosingAmountCashFromBorrowerAtClosingAmountCONSTRUCTIONLandOriginalCostAmountLandAppraisedValueAmountCLOSING_ADJUSTMENT_ITEM_DETAILEXTENSIONOTHERULAD:URLATotalSellerCreditsAmountULAD:URLA_TOTAL_EXTENSIONEXTENSIONOTHERDU:CONSTRUCTION_EXTENSIONLandValueAmountTypeContinued\n"} diff --git a/chunks/json/538e95a37a5cb4dcf1b523492de8a73537f75780f2e1163f2404e27aff1ba36f.json b/chunks/json/538e95a37a5cb4dcf1b523492de8a73537f75780f2e1163f2404e27aff1ba36f.json new file mode 100644 index 0000000000000000000000000000000000000000..76df862c4e245621440b32277ceaba97c3e83d57 --- /dev/null +++ b/chunks/json/538e95a37a5cb4dcf1b523492de8a73537f75780f2e1163f2404e27aff1ba36f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":727954,"char_start":726113,"chunk_id":"chk_930eb55d2835c738","chunk_index":431,"chunk_sha256":"538e95a37a5cb4dcf1b523492de8a73537f75780f2e1163f2404e27aff1ba36f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"538e95a37a5cb4dcf1b523492de8a73537f75780f2e1163f2404e27aff1ba36f","token_estimate":461,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Specifies 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 before\nbeing sold in the neighborhood.\nSpecifies the typical length of time a\nproperty would stay on the market before\nbeing sold in the neighborhood.\nSpecifies the typical length of time a\nproperty would stay on the market before\nbeing sold in the neighborhood.\nThe low price of the neighborhood\nhousing specified in Neighborhood\nHousing Type.\nThe high price of the neighborhood\nhousing specified in Neighborhood\nHousing Type.\nThe predominant price of the\nneighborhood housing specified by\nNeighborhood Housing Type.\nThe age, in years, of the newest\nneighborhood housing specified in\nNeighborhood Housing Type.\n\nNeighborhood\nHousing Oldest\nYears Count\n\nNeighborhood\nHousing\nPredominant Age\nYears Count\nNeighborhood\nPresent Land Use\nPercent\nNeighborhood\nPresent Land Use\nPercent\nNeighborhood\nPresent Land Use\nPercent\nNeighborhood\nPresent Land Use\nPercent\nNeighborhood\nPresent Land Use\nPercent\n\nGSE Neighborhood\nBoundaries\nDescription\n\nThe age, in years, of the oldest\nneighborhood housing specified in\nNeighborhood Housing Type.\n\nThe predominant age, in years, of the\nneighborhood housing specified by\nNeighborhood Housing Type.\nUsed to specify the percentage of land\nused for the category specified by\nNeighborhood Present Land Use Type.\nUsed to specify the percentage of land\nused for the category specified by\nNeighborhood Present Land Use Type.\nUsed to specify the percentage of land\nused for the category specified by\nNeighborhood Present Land Use Type.\nUsed to specify the percentage of land\nused for the category specified by\nNeighborhood Present Land Use Type.\nUsed to specify the percentage of land\nused for the category specified by\nNeighborhood Present Land Use Type.\n"}