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chunks/json/f4507a85d39d506086ca73d7963b5aa494bbdc0ce64ed92ef8cc7d5382925925.json

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+{"chunk":{"char_end":304477,"char_start":302869,"chunk_id":"chk_ae3b627abcb0cd0b","chunk_index":174,"chunk_sha256":"f4507a85d39d506086ca73d7963b5aa494bbdc0ce64ed92ef8cc7d5382925925","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"f4507a85d39d506086ca73d7963b5aa494bbdc0ce64ed92ef8cc7d5382925925","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"1. REQUIRED FOR ALL PURCHASES - PROPERTY SELLER\n\nFor purchase transactions, the Property Seller(s) name and address are populated in CD Field ID 2.0 “Transaction\n\nInformation”.\n\nFigure 115. XML File Conditional Property Seller Data as Rendered on CD.\n\n2.0 Transaction Information\n\n2.2 Seller\nPartyRoleType =\n“PropertySeller”\n\nJean Logan\nINDIVIDUAL/NAME/FirstName LastName\n\n549 Main Street\nAddressLineText, AddressUnitIdentifier\n\nAnytown, ST 12345\nCityName, StateCode PostalCode\n\nThe same CONTAINERs and data points are used for the Property Seller as for the Borrower.\n\nSince the Property Seller illustrated in Figure 115 is an individual, his name represented on the CD using data points under\nINDIVIDUAL/NAME. If the Property Seller is a non-individual such as a trust or company, the name is provided using FullName\nunder LEGAL_ENTITY/LEGAL_ENTITY_DETAIL.\n\nThe Property Seller’s mailing address is rendered using the same data points under ADDRESS whether the Property Seller\nis an individual or legal entity. AddressUnitIdentifier must be provided only when it is a component of the complete street\naddress. The CountryCode must be included with every address, including military addresses.\n\nFigure 116. XML Snippet - PARTY Required for Purchase.\n\n<MESSAGE>\n…\n <DEAL>\n\n<PARTIES>\n\n<!-- Property Seller -->\n\n<PARTY>\n\n<INDIVIDUAL>\n <NAME>\n\n<FirstName>Jean</FirstName>\n <LastName>Logan</LastName>\n\n</NAME>\n </INDIVIDUAL>\n <ADDRESSES>\n <ADDRESS>\n\n<AddressLineText>549 Main Street</AddressLineText>\n <AddressType>Mailing</AddressType>\n <CityName>Anytown</CityName>\n\nUCD v2.0 Implementation Guide\n\n- 141 -\n"}

chunks/json/f464c058a71a0622160792963d5128af077a29b97bae59ada6b7c299c1c176ca.json

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+{"chunk":{"char_end":72957730,"char_start":0,"chunk_id":"chk_08738256f72ee30b","chunk_index":0,"chunk_sha256":"f464c058a71a0622160792963d5128af077a29b97bae59ada6b7c299c1c176ca","date_utc":"2026-01-27T18:12:02+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_374a93d27a0c3645","text_sha256":"f464c058a71a0622160792963d5128af077a29b97bae59ada6b7c299c1c176ca","token_estimate":1000,"warnings":["source_path=Public_Use_Database___FHFA/links/_.csv/2024-pudb.csv","exceeds_max_chunk_chars_truncated"]},"text":"Year: 2024 | LoanCharacteristicsID: 2820897 | Bank: Boston | FIPSStateNumericCode: 33 | FIPSCountyCode: 017 | CoreBasedStatisticalAreaCode: 14460 | CensusTractIdentifier: 0805.00 | CensusTractMinorityRatioPercent: 11.059 | CensusTractMedFamIncomeAmount: 124693 | LocalAreaMedianIncomeAmount: 123334 | TotalMonthlyIncomeAmount: 14605 | HUDMedianIncomeAmount: 141300 | LoanAcquisitionActualUPBAmt: 396500 | LTVRatioPercent: 76 | NoteDate: 2023 | LoanAcquisitionDate: 2024 | LoanPurposeType: 6 | ProductCategoryName: 01 | MortgageType: 0 | ScheduledTotalPaymentCount: 360 | LoanAmortizationMaxTermMonths: 360 | MortgageLoanSellerInstType: 01 | BorrowerCount: 1 | BorrowerFirstTimeHomebuyer: 0 | Borrower1Race1Type: 5 | Borrower2Race1Type: 8 | Borrower1SexType: 2 | Borrower2SexType: 4 | Borrower1AgeAtApplicationYears: 45 | Borrower2AgeAtApplicationYears: 998 | PropertyUsageType: 1 | PropertyUnitCount: 1 | NoteRatePercent: 6.625 | NoteAmount: 396500 | HousingExpenseRatioPercent: 23.63 | TotalDebtExpenseRatioPercent: 30.15 | Borrower1CreditScoreValue: 4 | Borrower2CreditScoreValue: 9 | PMICoveragePercent: 0 | EmploymentBorrowerSelfEmployed: 1 | PropertyType: PT01 | IndexSourceType: 99 | MarginRatePercent: 9999 | PrepaymentPenaltyExpirationDate: 9999-12-31 | Borrower1EthnicityType: 2 | Borrower1Race2Type: 7 | Borrower1Race3Type: 7 | Borrower1Race4Type: 7 | Borrower1Race5Type: 7 | Borrower2EthnicityType: 5 | Borrower2Race2Type: 8 | Borrower2Race3Type: 8 | Borrower2Race4Type: 8 | Borrower2Race5Type: 8 | HOEPALoanStatusType: 2 | LienPriorityType: 1\nYear: 2024 | LoanCharacteristicsID: 2820898 | Bank: Boston | FIPSStateNumericCode: 23 | FIPSCountyCode: 031 | CoreBasedStatisticalAreaCode: 38860 | CensusTractIdentifier: 0240.02 | CensusTractMinorityRatioPercent: 6.084 | CensusTractMedFamIncomeAmount: 96420 | LocalAreaMedianIncomeAmount: 95979 | TotalMonthlyIncomeAmount: 8398 | HUDMedianIncomeAmount: 108500 | LoanAcquisitionActualUPBAmt: 324900 | LTVRatioPercent: 95 | NoteDate: 2023 | LoanAcquisitionDate: 2024 | LoanPurposeType: 1 | ProductCategoryName: 01 | MortgageType: 0 | ScheduledTotalPaymentCount: 360 | LoanAmortizationMaxTermMonths: 360 | MortgageLoanSellerInstType: 01 | BorrowerCount: 1 | BorrowerFirstTimeHomebuyer: 1 | Borrower1Race1Type: 5 | Borrower2Race1Type: 8 | Borrower1SexType: 1 | Borrower2SexType: 4 | Borrower1AgeAtApplicationYears: 29 | Borrower2AgeAtApplicationYears: 998 | PropertyUsageType: 1 | PropertyUnitCount: 1 | NoteRatePercent: 6.75 | NoteAmount: 324900 | HousingExpenseRatioPercent: 29.74 | TotalDebtExpenseRatioPercent: 38.53 | Borrower1CreditScoreValue: 5 | Borrower2CreditScoreValue: 9 | PMICoveragePercent: 30 | EmploymentBorrowerSelfEmployed: 0 | PropertyType: PT01 | IndexSourceType: 99 | MarginRatePercent: 9999 | PrepaymentPenaltyExpirationDate: 9999-12-31 | Borrower1EthnicityType: 2 | Borrower1Race2Type: 7 | Borrower1Race3Type: 7 | Borrower1Race4Type: 7 | Borrower1Race5Type: 7 | Borrower2EthnicityType: 5 | Borrower2Race2Type: 8 | Borrower2Race3Type: 8 | Borrower2Race4Type: 8 | Borrower2Race5Type: 8 | HOEPALoanStatusType: 2 | LienPriorityType: 1\nYear: 2024 | LoanCharacteristicsID: 2820899 | Bank: Boston | FIPSStateNumericCode: 23 | FIPSCountyCode: 007 | CoreBasedStatisticalAreaCode: 99999 | CensusTractIdentifier: 9706.01 | CensusTractMinorityRatioPercent: 4.842 | CensusTractMedFamIncomeAmount: 73583 | LocalAreaMedianIncomeAmount: 70228 | TotalMonthlyIncomeAmount: 14099 | HUDMedianIncomeAmount: 80600 | LoanAcquisitionActualUPBAmt: 282085 | LTVRatioPercent: 64 | NoteDate: 2023 | LoanAcquisitionDate: 2024 | LoanPurposeType: 1 | ProductCategoryName: 01 | MortgageType: 0 | ScheduledTotalPaymentCount: 360 | LoanAmortizationMaxTermMonths: 360 | MortgageLoanSellerInstType: 01 | BorrowerCount: 1 | BorrowerFirstTimeHomebuyer: 0 | Borrower1Race1Type: 6 | Borrower2Race1Type: 8 | Borrower1SexType: 3 | Borrower2SexType: 4 | Borrower1AgeAtApplicationYears: 47 | Borrower2AgeAtApplicationYears: 998 | PropertyUsageType: 2 | PropertyUnitC\n"}

chunks/json/f46733d3d55dee04253e2b2de83b58eaa37c4a3b458581addc92ab6c3ee2fba2.json

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+{"chunk":{"char_end":26522,"char_start":24906,"chunk_id":"chk_7e5500ccc2f97951","chunk_index":23,"chunk_sha256":"f46733d3d55dee04253e2b2de83b58eaa37c4a3b458581addc92ab6c3ee2fba2","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"f46733d3d55dee04253e2b2de83b58eaa37c4a3b458581addc92ab6c3ee2fba2","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"• 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). PartyRoleType determines which of the subsections the contact appears in.\n\nPage 22\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\n(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 examples.\n\nExample\n\nOccurrences of PartyRoleType in XML\n\n[Role]/[Role] - Examples\n\nHow to Display\nSubheading\n(04.048 /04.049)\n\nReference in This Chapter\n\nThe lender is the\nclient\n\n− PartyRoleType (UID: 2400.0367, FID: 04.048) = “Client”\n− PartyRoleType (UID: 2400.0365, FID: 04.049) = “Lender”\n\nClient/Lender\n\nClients\n\nPage 23\n\n[Role]/[Role] - Examples\n\nExample\n\nOccurrences of PartyRoleType in XML\n\nThe AMC is the client\n\n− PartyRoleType (UID: 2400.0367, FID: 04.048) = “Client”\n− PartyRoleType (UID: 2400.0365, FID: 04.049) =\n\nAnother entity -\nAttorney\nAnother entity -\nInvestor\n\nAnother entity -\nClient\n\n“ManagementCompany”\n\n− PartyRoleType (UID: 2400.0367, FID: 04.048) = “Client”\n− PartyRoleType (UID: 2400.0365, FID: 04.049) = “Attorney”\n− PartyRoleType (UID: 2400.0367, FID: 04.048) = “Client”\n− PartyRoleType (UID: 2400.0365, FID: 04.049) = “Investor”\n− PartyRoleType (UID: 2400.0367, FID: 08.006) = “Client”\n− PartyRoleType (UID: 2400.0365, FID: 04.049) = “Other”\n"}

chunks/json/f4703b8b4c1fb2b0d851b5b4a890f520cab61f9b30dff55bd158eb76c88621eb.json

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+{"chunk":{"char_end":550429,"char_start":548492,"chunk_id":"chk_b1b34bf0cd364abd","chunk_index":317,"chunk_sha256":"f4703b8b4c1fb2b0d851b5b4a890f520cab61f9b30dff55bd158eb76c88621eb","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"f4703b8b4c1fb2b0d851b5b4a890f520cab61f9b30dff55bd158eb76c88621eb","token_estimate":485,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Highest and Best Use\n\nIs the present use of the subject …\n\nLegally Permissible\nPhysically Possible\n\nYes\nYes\n\nFinancially Feasible\nMaximally Productive\n\nYes\nYes\n\nYes No\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  \n\nAppraisal Version #1Fannie Mae | Freddie Mac September 2024Appraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Single Family Scenario 4 (SF4)\n\nUniform Residential Appraisal Report\n\nPage 13 of 22\nPage 13 of 22\n\nMarket\n\nMarket Area Boundary Route 7 to the north, Route 611 to the east, and Route 50 to the south and west.\n\nSearch Criteria Description Limiting factors of the market search include leasehold, a Lot Size between 7,500 and 21,780 square feet, with a\nproperty containing an ADU. Above Grade Finished area of the primary dwelling in the range of 1,800 and 4,500 square feet, with between 3-5\nbedrooms and 2-4 bathrooms. Vehicle Storage greater than or equal to a 2-car garage.\n\nSearch Result Metrics\n\nActive Listings\n\nMedian Days on Market\nLowest List Price\nMedian List Price\nHighest List Price\n\nPending Sales\n\n15\n95\n$599,900\n$810,000\n$875,000\n3\n\nSales in Past 12 Months\n\nLowest Sale Price\nMedian Sale Price\nHighest Sale Price\n\nDistressed Market Competition\nGraph\n\nPrice Trend Source\n\n34\n$599,900\n$810,000\n$949,999\nNo\nAbsorption Rate\nMedian Days on Market\nPrice Trend\nXYZ Housing Data\n\nHousing Trends\n\nDemand/Supply\n\nMarket Commentary\n\nIn Balance\n\nMarketing Time\n\n3 to 6 months\n\nSales prices have been steady to slightly rising at approximately 1.5% to 2.5% annually. Supply and demand are currently balanced. Days on\nMarket for the settled sales were predominately in the 80-100 days range. Days on Market of current listings is trending higher than recent\nsales due to the market entering the typically slower fall and winter periods. Absorption rate is 3-4 sales per month with a 4-5-month supply.\n"}

chunks/json/f481c04e68405fee55cc74f43457c60b6f437aaf389bba21cbbabb9760e42272.json

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+{"chunk":{"char_end":1116776,"char_start":1115153,"chunk_id":"chk_5ceaac4f877a25ac","chunk_index":663,"chunk_sha256":"f481c04e68405fee55cc74f43457c60b6f437aaf389bba21cbbabb9760e42272","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"f481c04e68405fee55cc74f43457c60b6f437aaf389bba21cbbabb9760e42272","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"4000\n\nString\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\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Ty\npe='PhysicalDeficiency' and @_ExistsIndicator='Y']\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Ty\npe='PhysicalDeficiency' and @_ExistsIndicator='N']\n\n1\n\n1\n\nBoolean\n\nBoolean\n\nProperty Analysis\nComment\n\nA free-form text field that holds the\nproperty analysis comments for the\nanalysis category specified by Property\nAnalysis Type.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Ty\npe='PhysicalDeficiency']/@_Comment\n\n4000\n\nString\n\nThis field should contain a description of physical deficiencies or adverse conditions\nthat affect the livability, soundness, or structural integrity of the property.\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Ty\npe='ConformsToNeighborhood' and @_ExistsIndicator='Y']\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Ty\npe='ConformsToNeighborhood' and @_ExistsIndicator='N']\n"}

chunks/json/f49cfa867e6935d0a295e2c9ef52eb52d18775738700361194565a1ca0366693.json

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+{"chunk":{"char_end":135334,"char_start":133716,"chunk_id":"chk_b30a6f1032cc86ed","chunk_index":76,"chunk_sha256":"f49cfa867e6935d0a295e2c9ef52eb52d18775738700361194565a1ca0366693","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"f49cfa867e6935d0a295e2c9ef52eb52d18775738700361194565a1ca0366693","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"4. Sensitive Information\n\nThe purpose of this metadata tag in the V3.0 Reference Model was to enable business\npartners to identify data points as sensitive within their particular implementation of\nthe Standard. However, it is not being used and has been removed from subsequent\nversions.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 60 of 76\n\nSection VI. V3.0 Reference Model Features Not Used in ULDDS\n\nBusiness partners can classify a data point as sensitive by appending the word\n“Sensitive” to the MISMO data type. For example, “MISMOString” can be\nimplemented as “MISMOStringSensitive.”\n\n5. URN\n\nIn the same way as for any enumeration--see Section IV-\n\n4. Enumeration: -- URN Suffix--a “URN” column is included in the LDD for every\ndata point. The URN is simply the MISMO Name Space in URN Form, followed by a\ncolon, then the term name, all without spaces. This is another representation of the\ndata point. Business partners usually don’t need to refer to the “URN” column.\n\nExample VI-1. MISMO LDD Data Point URN Suffix.\n\nData Point: AttachmentType\nDefinition: Specifies the type of physical attachment, if any, between the dwelling\n\nunit and adjacent dwelling units.\n\nEnumerations:\n Attached\n Detached\n SemiDetached\n\nEnumeration URN Suffixes:\n\nurn:org:MISMO:residential:2009:LDD:AttachmentType:Attached\n\nType: AttachmentTypeEnumerated\nData Point URN Suffix:\n\nurn:org:MISMO:residential:2009:LDD:AttachmentType\n\nNotes: The URN Suffix is another way of identifying the data point. This is formed\n"}

chunks/json/f4a75890566026acfb256d7e417844e837394a18ea61c73a4a1c1f4fbeee280a.json

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+{"chunk":{"char_end":447460,"char_start":445617,"chunk_id":"chk_69f8e2dad0bdd5fe","chunk_index":344,"chunk_sha256":"f4a75890566026acfb256d7e417844e837394a18ea61c73a4a1c1f4fbeee280a","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"f4a75890566026acfb256d7e417844e837394a18ea61c73a4a1c1f4fbeee280a","token_estimate":461,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Apparent Defects, Damages, Deficiencies\n\nThe Apparent Defects, Damages, Deficiencies subsection displays when at least one defect, damage or deficiency is indicated in the report.\nAll defects, damages, and deficiencies for the appraisal are redisplayed in the Reconciliation section, along with cost to repair, if applicable.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 26 - 3\n\nPage 353\n\nEstimated Cost to Repair\n\n• When CostToRepairType (UID: 3900.0001 FID: Not on report) = “itemized” (Figure 26 - 4)\n\no Display the column Estimated Cost to Repair and the Total Cost DefectCostToRepairTotalAmount (UID: 3900.0002, FID: 26.070)\n\n▪ Calculated: The sum of all occurrences of DefectItemEstimatedCostToRepairAmount\n▪ Right-justify label Total Cost and the amount\n\n• When CostToRepairType (UID: 3900.0001 FID: Not on report) = “TotalCost” (Figure 26 - 5)\n\no Display the label Total Estimated Cost of Items Recommended for Repair and DefectCostToRepairTotalAmount (UID: 3900.0002,\n\nFID: 26.072) below the table.\n\no Do not display the column Estimated Cost to Repair and Total Cost amount.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n• When CostToRepairType (UID: 3900.0001 FID: Not on report) = “None” (Figure 26 - 6)\n\no Do not display the column Estimated Cost to Repair and Total Cost amount or the label Total Estimated Cost of Items\n\nPage 354\n\nRecommended for Repair.\n\nWhen one or more of the following indicators are “true”:\n\n• SiteDefectsExistIndicator (UID: 1500.0178, FID: 4.099)\n• DwellingExteriorDefectsExistIndicator (UID: 3900.0097, FID: 8.055)\n• UnitInteriorDefectsExistIndicator (UID: 3900.0107, FID: 10.055)\n• OutbuildingDefectsExistIndicator (UID: 0300.0111, FID: 12.019)\n• VehicleStorageDefectsExistIndicator (UID: 3200.0021, FID: 13.004)\n• SubjectPropertyAmenitiesDefectsExistIndicator (UID: 0200.0053, FID: 14.005)\n"}

chunks/json/f4cd4289bc494a145fbcea1d90b96acffda868c9b34e0693ec8b95e09812132f.json

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+{"chunk":{"char_end":11330,"char_start":9708,"chunk_id":"chk_dc01ffb9fc698c6d","chunk_index":6,"chunk_sha256":"f4cd4289bc494a145fbcea1d90b96acffda868c9b34e0693ec8b95e09812132f","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"f4cd4289bc494a145fbcea1d90b96acffda868c9b34e0693ec8b95e09812132f","token_estimate":405,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo2_Appraisal/_.pdf/Condo2_Appraisal_v1.3.pdf"]},"text":"30'\n\n1\n2\n\n'\n\nNon-continuous finished\n\n'\n\n2\n1\n\n30'\n\n30'\n\n38'\n\nBedroom\n\nBedroom\n\n'\n\n7\n1\n\nUtility\n\n1\n6\n\n'\n\n'\n\n5\n1\n\n8'\n\nm\no\no\nR\nn\nu\nS\n\n8'\n\nBath\n\nStaircase\n\nB1\n\nFamily\nRoom\n\n'\n\n0\n1\n\nWet Bar\n\n30'\n\n4'\n\n1\n1\n\n'\n\n4'\n\n1\n5\n\n'\n\nLiving Area\nNon-continuous finished\n\nL1\n\nB1\n\nTotal Living Area (Rounded):\nNon-living Area\n3 Car Attached\n\nArea Calculations Summary\n\nCalculation Details\n\n360 Sq ft\n\n1552 Sq ft\n\n1552 Sq ft\n\n3464 Sq ft\n\n626 Sq ft\n\n30 × 12 = 360\n\n15 × 8 = 120\n42 × 30 = 1260\n8 × 16 = 128\n44\n4 × 11 =\n\n4 × 16 =\n64\n4 × 27 = 108\n30 × 42 = 1260\n15 × 8 = 120\n\n10\n10 × 1 =\n4 × 4\n16\n=\n20 × 30 = 600\n\nSketch Commentary\n\nTOTAL Sketch software by a la mode, inc. 1-800-alamode\n\nAs represented in the area breakdown section, there is 1552 sq ft in the below grade area (walkout basement), of which 320 sq ft is a utility\nroom that is not considered finished area even though the sketch might suggest that. The area breakdown section is correct and accurate. The\nsketch also represents 360 sq ft of a family room/bonus room above the garage that is noncontinuous with the rest of the home but has its\nown entrance and is finished and usable.\n\nAppraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 6 of 24\nPage 6 of 24\n\nDwelling Exterior\n\nSubject Property Units in\nStructure\nDwelling Style\nFront Door Elevation\nYear Built\nConstruction Method\nConverted Area\n\n1\nRanch\n1-2 Ft.\n2018\nSite Built\nNone\n\nThis is where the Dwelling Front photo would display.\n\nQuality and Condition\n\nExterior Quality Rating\n\nQ3\n\nExterior Condition Rating\n"}

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+{"chunk":{"char_end":206236,"char_start":204546,"chunk_id":"chk_5d46e02a9db42a0d","chunk_index":115,"chunk_sha256":"f4ce3f44444527601c3d282d074ea81a028c37fe60d130be3ba7bb0a0d767b21","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"f4ce3f44444527601c3d282d074ea81a028c37fe60d130be3ba7bb0a0d767b21","token_estimate":421,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"<ESCROW_ITEM_PAYMENT>\n\n<EscrowItemActualPaymentAmount>75.00</EscrowItemActualPaymentAmount>\n\n<EscrowItemPaymentPaidByType>Buyer</EscrowItemPaymentPaidByType>\n\n</ESCROW_ITEM_PAYMENT>\n <ESCROW_ITEM_PAYMENT>\n\n<EscrowItemActualPaymentAmount>125.00</EscrowItemActualPaymentAmount>\n <EscrowItemPaymentPaidByType>Seller</EscrowItemPaymentPaidByType>\n\n</ESCROW_ITEM_PAYMENT>\n </ESCROW_ITEM_PAYMENTS>\n\n</ESCROW_ITEM>\n</ESCROW_ITEMS>\n\n</ESCROW>\n\n…\n</MESSAGE>\n\nUCD v2.0 Implementation Guide\n\n- 89 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nM. FEE ITEM DATA\n\nThe set of child containers under FEE_INFORMATION used in the XML file hold both the detailed information for each fee\nitem reported on the CD (FEE) and the resulting totals and percentages summarizing those fees (FEE_SUMMARY).\n\nTable 44. XML File Container Structure for Fee Item Data.\n\nContainer Name\n\nUCD Usage Notes\n\nFEE_INFORMATION\n\nHolds containers categorizing sets of fee data points.\n\nUCD UID\n\n999.165\n\n999.166\n\n999.167\n\n999.168\n\nFEES\n\nFEE\n\nFEE_DETAIL\n\n999.700/999.701\n\nEXTENSION/OTHER\n\nMISMO construct-plural of singular child container FEE. Holds all instances\nand enables multiple sequential occurrences of FEE.\n\nHolds all containers with data points making up a fee line item.\n\nHolds all data points making up the fee line item description (excludes payor\ndata points).\n\nMISMO construct introducing a proprietary addition to the MISMO version on\nwhich UCD is built. Using these 2 introductory child containers signals to the\nreceiving application reading the file that what follows is in a non-MISMO\nnamespace (set of defined containers and data points). See Appendix C. UCD\nv2.0 EXTENSIONS.\n"}

chunks/json/f4d4f251b3467e15754cdc354a11dfcaafdc26af9607efb85246c0506bd1fcb1.json

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+{"chunk":{"char_end":719130,"char_start":717526,"chunk_id":"chk_f8d65d9003939cd8","chunk_index":426,"chunk_sha256":"f4d4f251b3467e15754cdc354a11dfcaafdc26af9607efb85246c0506bd1fcb1","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"f4d4f251b3467e15754cdc354a11dfcaafdc26af9607efb85246c0506bd1fcb1","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"1\n\n10\n\n1\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Contract Section\n\nIf field 1-33 (Appraisal Purpose Type =\n'Purchase') is indicated, then one and only\none of fields 1-50, 1-51 (values of Sales\nConcession Indicator) must be indicated.\n\nMoney\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Contract Section\nWhole dollars only.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nIf field 1-50 is indicated, and e-4 has a value\nof 'N', then this field is required.\n\nUAD Requirement - Refer to Appendix D Contract Section\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nThis field is required if field 1-50 is\nindicated.\n\n57\n\n58\n\n59\n\n60\n\n61\n\n62\n\n63\n\n64\n\n65\n\n66\n\n67\n\n68\n\n69\n\n70\n\n71\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\n52b\n\nCONTRACT\n\nIf Yes, report the total dollar amount\nand describe the items to be paid.\n\nSales Concession\nDescription\n\nA free-form text field used to describe\nsales concessions granted by an interested\nparty.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@SalesConcess\nionDescription\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point. Separate with a semicolon.\n\nThis field is required if field 1-50 is\nindicated.\n\nUAD Requirement - Refer to Appendix D Contract Section\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\n53\n\n54\n\n55\n\n56\n\n57\n\n58\n\n59\n\n60\n\n61\n\n62\n\n63\n\n64\n\n65\n\n66\n\nNEIGHBORHOOD\n\nNEIGHBORHOOD\n\nNEIGHBORHOOD\n\nNEIGHBORHOOD\n\nNEIGHBORHOOD\n\nLocation\nUrban\n\nLocation\nSuburban\n\nLocation\nRural\n\nBuilt-Up\nOver 75%\n\nBuilt-Up\n25-75%\n"}

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+{"chunk":{"char_end":36156,"char_start":34381,"chunk_id":"chk_f5c92382641e6c46","chunk_index":20,"chunk_sha256":"f4f85ca345a426852136b33d506aee0411d024d18efa66086373560b26231849","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"f4f85ca345a426852136b33d506aee0411d024d18efa66086373560b26231849","token_estimate":444,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"Physical\nVirtual\nNo Inspection\n\nInterior Inspection Method: The method by which the interior inspection was\nconducted by the appraiser or supervisory appraiser.\n•\n•\n•\n\nPhysical\nVirtual\nNo Inspection\n\nAppendix F-2: Appraisal Update Report Reference Guide\n\nPage 18 of 28\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Assignment Information\n\nReport\nField ID\n\n04.017\n04.032\n\nAssignment Information: Contact Information – Scope of Inspection for Subject Property\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nInspection Date Always required for\n\nmm/dd/yyyy\n\nDate that the subject property inspection was completed.\n\nthe appraiser and\nsupervisory appraiser\nfor any physical or\nvirtual inspection that\nwas performed.\n\nNote: If both Exterior Inspection Method and Interior Inspection Method are No\nInspection, Inspection Date is not applicable and does not display.\n\nAppraiser and Supervisory Appraiser Credentials\n\nCredential information from the state in which the property is located must be provided for the appraiser and\nsupervisory appraiser.\n\nAssignment Information: Contact Information - Appraiser and / or Supervisory Appraiser Credentials\n\nReport\nField ID\n\n04.018\n04.033\n\nReport Label\n\nWhen to Include\n\nLevel\n\nRequired for the\nappraiser and\nsupervisory appraiser\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nCredential Type\n•\n\nNone (includes noncredentialled appraiser trainees or jurisdictions that\ndon’t provide credentials to appraiser trainees)\nCertified General\nCertified Residential\nLicensed Residential\nTrainee Appraiser (appraiser trainees with an issued credential, also\nreferred to as Registered Trainee)\nOther (Describe)\n"}

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+{"chunk":{"char_end":120005,"char_start":118398,"chunk_id":"chk_b1c9a40374c1848d","chunk_index":50,"chunk_sha256":"f51b64b6c6eff2623df5e16ed1f8b15cbd55a161db8965fa3377b5bd23137e47","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"f51b64b6c6eff2623df5e16ed1f8b15cbd55a161db8965fa3377b5bd23137e47","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"3.3 Product\n\n5/3 Adjustable Rate\n\n3.4 Loan Type  Conventional  FHA\n\n VA _______________\n\n3.5 Loan ID# 123456789\n\n3.6 MIC #\n\n000654321\n\nFigure 14. Loan Information Section\n\n3. 1 LOAN TERM\n\nThe Loan Term can be fixed, extendible, or express the periods of a construction loan. These characteristics\ndetermine the data points to be used.\n\n1. FI XED LOAN TERM\n\nIf the Purpose of a fixed rate loan is for a Purchase, Refinance, or Closed-end Home Equity Loan, and the term of\nthe loan can never be extended, then the fully amortizing loan period is used. Error! Reference source not\nfound. shows Loan Term in years. Loan Term also can be expressed in years and months, or simply months if the\nterm is less than two years. As shown in the table below, the underlying data points supporting this value are\nalways captured in months.\n\nAppendix E: UCD Implementation Guide\n\nPage 45 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n3.0 Loan Information\n\nTable 27. Fixed Loan Term\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\n3.1\n\nLoan Term\n\n…/LOAN/MATURIT\nY/MATURITY_RULE\n\nLoanMaturityPerio\ndCount\n\n360\n\nLoanMaturityPerio\ndType\n\nMonth\n\nROF as “30 Years”\n\nThese two data\npoints must be\nused together\n\n2. EXTENDI BLE L OAN TERM\n\nIf the loan term can be extended in lieu of an interest rate increase, then the term to maturity is extendible.\nSince the loan term is not known with certainty at consummation, the possible range of the loan term, including\nthe maximum number of years possible under the terms of the legal obligation, is disclosed:\n\n3.0 Loan Information\n"}

chunks/json/f520cf17bd6c7fb26b4a62ae4715f247aa115a4086f968634bd5a121094842b3.json

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+{"chunk":{"char_end":6782,"char_start":5095,"chunk_id":"chk_e84d36f9a53f5ee0","chunk_index":3,"chunk_sha256":"f520cf17bd6c7fb26b4a62ae4715f247aa115a4086f968634bd5a121094842b3","date_utc":"2026-01-27T17:46:22+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8e3d94901b655c7c","text_sha256":"f520cf17bd6c7fb26b4a62ae4715f247aa115a4086f968634bd5a121094842b3","token_estimate":419,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae4.md"]},"text":"[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-kit)\n\n##### Functioning without Form Numbers: Mapping Legacy Forms to the Redesigned URAR\n\nHelps the transition to the new report by providing clarification on how existing appraisal form numbers map to the URAR’s new dynamic structure and discrete and repeatable data.\n\n[Learm More **](https://singlefamily.fanniemae.com/media/document/pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type)\n\n##### Frequently Asked Questions\n\nProvides answers to common questions about the UAD 3.6 and Forms Redesign.\n\n[Learn More **](https://singlefamily.fanniemae.com/media/23286/display)\n\n##### Limited Production Period Overview\n\nGuidelines to aid lenders in preparing for the Limited Production Period of the UAD 3.6 and Forms Redesign Initiative.\n\n[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-limited-production-readiness-overview)\n\n##### Limited Production Period Lender Readiness Questionnaire\n\nMust be completed by lenders who are seeking approval to participate in the UAD 3.6 and Forms Redesign Limited Production Period.\n\n[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-questionnaire)\n\n##### Combined Sample Scenarios\n\nAppendix D sample scenarios, combined into a single PDF to make it easier to access and review them.\n\n[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/sample-scenario-pdf)\n\n##### Condition and Quality Rating Definitions PDF\n\nPDF of previously published definitions of Condition and Quality Ratings from Appendix F-1: URAR Reference Guide.\n"}

chunks/json/f526c09d3013ce321bc8bcb7ac19ea10c52d5eefeb717472ff3396c9d7ce2967.json

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+{"chunk":{"char_end":24254,"char_start":22528,"chunk_id":"chk_bd00f507f7b1df75","chunk_index":12,"chunk_sha256":"f526c09d3013ce321bc8bcb7ac19ea10c52d5eefeb717472ff3396c9d7ce2967","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_9a8b7dcd848f50e9","text_sha256":"f526c09d3013ce321bc8bcb7ac19ea10c52d5eefeb717472ff3396c9d7ce2967","token_estimate":493,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Technology_Integration_Resources___Fannie_Mae.md"]},"text":"- [UCD v1.5 Specification](https://singlefamily.fanniemae.com/media/document/xlsm/appendix-i-ucd-delivery-specification-v15-xlsm)\n- [UCD v1.5 Implementation Guide](https://singlefamily.fanniemae.com/media/document/pdf/appendix-e-ucd-implementation-guide-v14)\n- [UCD v1.5 Critical Edits Matrix](/media/document/xlsx/uniform-closing-dataset-critical-edits-matrix) **(Updated Dec. 15)**\n- [UCD v1.5 Sample CDs](/media/document/zip/appendix-f-ucd-sample-use-cases-zip)\n- [UCD v1.5 Sample XML Files](https://singlefamily.fanniemae.com/media/document/zip/appendix-g-ucd-sample-xml-files-zip)\n- [UCD v1.5 Specification Update Impact Memo | Dec. 20, 2022](https://singlefamily.fanniemae.com/media/document/pdf/ucd-specification-update-impact-memo)\n\nUniform Collateral Data Portal (UCDP)\n\n##### Direct Integration Supporting Resources\n\n- [UCDP Technical Integration Guide for UAD 3.6](/media/document/pdf/ucdp-technical-integration-guide-uad-36)\n- [UCDP Technical Integration Guide for UAD 2.6](/media/document/pdf/ucdp-technical-integration-guide-uad-26)\n\n##### Submission Summary Report (SSR) Resources\n\n- [SSR JSON Data Dictionary](/media/document/xlsx/ssr-json-data-dictionary) - Contains information about the data elements in the JSON and PDF versions of the SSR. Users of the JSON version of the SSR can use this as a supplement to the SSR Guide for UAD 3.6 as it provides more technical information (i.e., data element name, conditionality, data type, etc.).\n- [SSR JSON Schema v 1.0](/media/document/zip/ssr-json-schema) - Contains the JSON Schema for the UAD 3.6 SSR that can be used to describe and validate the structure and content of the SSR JSON data.\n- [SSR Guide for UAD 3.6](/media/document/pdf/ssr-guide-uad-36)\n"}

chunks/json/f5295d9b91b97857f49b8f9f64186d8c39f3df1fde4747fb8a628ebe150e1271.json

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+{"chunk":{"char_end":273268,"char_start":271655,"chunk_id":"chk_06e1adccdb24018f","chunk_index":157,"chunk_sha256":"f5295d9b91b97857f49b8f9f64186d8c39f3df1fde4747fb8a628ebe150e1271","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"f5295d9b91b97857f49b8f9f64186d8c39f3df1fde4747fb8a628ebe150e1271","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"The property includes two existing outbuildings and private waterfront access.\n\nKey Characteristics\n\n•\n\nParties associated with this transaction:\n\no Lender (Client)\no Appraiser\no Supervisory Appraiser\n\n•\n\nSubject Property\n\no Special tax assessment\no Mineral rights not included\n\n•\n\nSite\n\no Noncontiguous parcels separated by road\no No zoning\no Non-residential property use (agricultural)\no Apparent environmental condition (landfill)\no Property restriction (land use) due to overhead electric power transmission lines\no Private waterfront access with a permanent waterfront feature (dock)\no Utilities include private water and sewer\n\n• Dwelling Exterior\n\no Construction Method: Manufactured Home\n\n• Manufactured Home\n\no Includes Invoice Information subsection\n\n•\n\n•\n\nTwo outbuildings\no Barn\no Rec Room/Garage\n\nApproaches to Value\n\no Sales Comparison Approach\no Cost Approach\n\n• Defects, Damages, Deficiencies – one on the barn with no recommended action\n\nNote: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to\ninformation in the URAR.\n\nThe URAR sample scenario begins on the next page.\nThis cover section, including Introduction and Key Characteristics,\nis not part of the URAR.\n\nUniform Residential Appraisal Report\n\n123 ANYWHERE ST, SOME CITY, VA 20141\n\nSUMMARY\n\nOpinion of Market Value\n\n$445,000\n\nMarket Value Condition\n\nAs Is\n\nEffective Date of Appraisal\nAssignment Reason\nBorrower Name\n\n09/25/2019\nRefinance\nHarry James\nJennifer James\n\nCurrent Owner of Public Record Harry James\n\nProperty Valuation Method\nAppraiser Name\n\nTraditional Appraisal\nAnnie Appraiser\n"}

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+{"chunk":{"char_end":13298,"char_start":13295,"chunk_id":"chk_3f2d3e5010c741df","chunk_index":7,"chunk_sha256":"f52d711103d50a437830c6fbcd04fb4bab49a0f82f6d26d1c791c6e8488dd090","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_804a7fc1535bc1e6","text_sha256":"f52d711103d50a437830c6fbcd04fb4bab49a0f82f6d26d1c791c6e8488dd090","token_estimate":3,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Conforming_Loan_Limit_Values___FHFA_94vzus.md","below_target_min_tokens"]},"text":"---\n"}

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+{"chunk":{"char_end":1705,"char_start":0,"chunk_id":"chk_b26c950e7561fa4c","chunk_index":0,"chunk_sha256":"f52dfef5f19af4b6e7d757ef667977b1613d8bf2e24499e0eda04c2000554ebd","date_utc":"2026-01-27T17:50:59+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_730062c5b5b920bf","text_sha256":"f52dfef5f19af4b6e7d757ef667977b1613d8bf2e24499e0eda04c2000554ebd","token_estimate":522,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Home___FHFA_uwimce.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/\"\ndate_accessed: \"2026-01-27T17:50:58.621Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}

chunks/json/f536837de78227ae19a7527695c31a556e05e2fff36253b22fdf841cfdba0ccd.json

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+{"chunk":{"char_end":6391,"char_start":4942,"chunk_id":"chk_b23ad9e87139ad25","chunk_index":3,"chunk_sha256":"f536837de78227ae19a7527695c31a556e05e2fff36253b22fdf841cfdba0ccd","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_74693827ca0fe5b1","text_sha256":"f536837de78227ae19a7527695c31a556e05e2fff36253b22fdf841cfdba0ccd","token_estimate":362,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/desktop-underwriter-validation-service-april-release-notes-april-17-2021.pdf"]},"text":"Income Source from Report\n\nRetirement of duplicate messages\nTwo messages which appear in the Assets section of the DU findings, but which are duplicated by other DU validation service\nmessages will be retired.\nMessages to be Retired\n\nDuplicated by Existing Messages\n\nMessage ID Message Text\n\nMessage ID Message Text\n\n2847\n\nInformation on the borrower(s) accounts was not\nreceived from the following vendor(s). Confirm that\nthe Report ID and borrower Social Security Number\nentered on the online loan application match those\non the vendor report.\n\n3303\n\nBorrower | Vendor | Report ID\n\nDU did not receive report data from the vendor(s)\nshown below.\n\nBorrower | Vendor and Rep Type | Rep ID | Reason\n\n3209\n\nThis loan casefile received an asset report that was\nnot used for the following reason(s).\n\n3301\n\nDU did not use data received from the vendor report(s)\nshown below for the reason provided.\n\nBorrower | Vendor | Reference # | Reason\n\nBorrower | Vendor and Rep Type | Rep ID | Rep Date |\nReason\n\n© 2021 Fannie Mae. Trademarks of Fannie Mae.\n\n2.22.21\n\n2 of 3\n\nFor more information\nFor more information about these Release Notes, lenders may contact their Fannie Mae Customer Management Solution Team,\nand mortgage brokers should contact their DO sponsoring wholesale lender. For technology considerations, an Integration\nImpact Memo will be posted on the Technology Integration page.\n\n© 2021 Fannie Mae. Trademarks of Fannie Mae.\n\n2.22.21\n\n3 of 3\n"}

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+{"chunk":{"char_end":595455,"char_start":593858,"chunk_id":"chk_b6909e60cc2cb0a1","chunk_index":343,"chunk_sha256":"f5383d7a47bf9638a3367cf6cb30a8511c67b8865fe1597bcd789f9ee46b1355","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"f5383d7a47bf9638a3367cf6cb30a8511c67b8865fe1597bcd789f9ee46b1355","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"List Price\n\nListing Status\n\nSale Price\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nAttached/Detached\n\nSite\n\nSite Size\n\nNeighborhood Name\n\nView | Range\n\nDwelling(s)\n\nYear Built\n\nHeating\n\nUnit(s)\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nQuality\n\nCondition\n\nInterior Quality and Condition\n\nQuality\n\nCondition\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQ4\n\nC3\n\nQuality\n\nCondition\n\nProperty Amenities\n\nOutdoor Living\n\nVehicle Storage\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nDeck\n\n—\n\n$2,000\n\nDeck\n\nDeck | Portico\n\n$(2,500)\n\nType | Spaces | Detail\n\nDriveway | 3 | Concrete\n\nDriveway | 3 | Concrete\n\nDriveway | 3 | Concrete\n\n$(5,000)\n\nDriveway | 3 | Concrete\nGarage | 1 | Detached\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5)\n\nUniform Residential Appraisal Report\n\nPage 11 of 19\nPage 11 of 19\n\nSales Comparison Approach (continued)\n\nProperty Address\n\n213 Tree Stand Rd\nAnytown, MD 09992\n\n318 Pine Crest Rd\nAnytown, MD 09992\n\n231 Beech Tree St\nAnytown, MD 09992\n\n431 Holly Ave\nAnytown, MD 09992\n\nSubject Property\n\nComparable # 1\n\nComparable #2\n\nComparable #3\n\nSummary\n\nList Price\n\nSale Price\n\nNet Adjustment Total\n\nPrice Per Finished Area\nAbove Grade\n\nAdjusted Price\n\nComparable Weight\n\n—\n\n$339,900\n\n$335,000\n\n$13,000\n\n$279\n\n$348,000\n\nLess\n\n$350,000\n\n$350,000\n\n$0\n\n$278\n\n$350,000\n\nLess\n"}

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+{"chunk":{"char_end":565964,"char_start":564140,"chunk_id":"chk_95946583c61c0cfe","chunk_index":336,"chunk_sha256":"f54e732649630a8eb098875d1bb1ecfcb15f930415a0609226bf13279e9dcf4e","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"f54e732649630a8eb098875d1bb1ecfcb15f930415a0609226bf13279e9dcf4e","token_estimate":456,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Corner Unit 10.019\n\nYes\n22.07.23\n\nNumber\n\nYes\n22.07.25\n\nThe number of levels in the living unit.\nNote: This does not represent the number of floors in the building.\n\nReport\nField ID\n\n22.07.04\n22.07.22\n\n22.07.05\n22.07.24\n\n22.07.06\n22.07.26\n\nCorner Unit\n\nIf relevant\n\nLevels in Unit\n\nIf relevant\n\nRequired when\nStructure Design is\nLow-rise, Mid-rise, or\nHigh-rise, and the row\nis included in the sales\ncomparison grid\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nBedrooms\n\nAlways\n\nAlways required\n\nNumber\n\n22.07.07\n22.07.28\n\nBaths – Full |\nHalf\n\n22.07.07\n22.07.28\n\nBaths – Full |\nHalf\n\nAlways\n\nAlways required\n\nNumber\n\nAlways\n\nAlways required\n\nNumber\n\n22.07.08\n22.07.30\n\nFinished Area\nAbove Grade\n\nAlways\n\nAlways required\n\nNumber of square\nfeet\n\n22.07.09\n22.07.32\n\nFinished Area\nAbove Grade\n(Nonstandard)\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nNumber of square\nfeet\n\nUnit Interior\n•\n\nLevels in Unit\n10.017\n\nUnit Interior\n•\n\nTotal Bedrooms\n10.023\n\nUnit Interior\n•\n\nTotal Bathrooms -\nFull 10.024\n\nUnit Interior\n•\n\nTotal Bathrooms -\nHalf 10.025\n\nUnit Interior\n•\n\nAbove Grade\nFinished Area\n10.003\n\nUnit Interior\n•\n\nAbove Grade\nFinished Area\n(Nonstandard)\n10.004\n\nYes\n22.07.27\n\nYes\n22.07.29\n\nYes\n22.07.29\n\nYes\n22.07.31\n\nYes\n22.07.33\n\nNotes:\n•\n•\n\n•\n\n•\n\nNotes:\n•\n•\n\nCan be 0.\nNoncontinuous finished area is reported in the Dwelling(s)\nsubsection (22.05.05-22.05.27) and not here.\nIf the exact area is not known for the comparable, indicate that it is\nestimated in Reconciliation of Sales Comparison Approach\n(22.16.01).\n\nCan be 0.\nNoncontinuous finished area is reported in the Dwelling(s)\nsubsection (22.05.05-22.05.27) and not here.\nIf the exact area is not known for the comparable, indicate that it is\nestimated in Reconciliation of Sales Comparison Approach\n(22.16.01).\n"}

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+{"chunk":{"char_end":25731,"char_start":24431,"chunk_id":"chk_4ec8aad0ec7406d9","chunk_index":15,"chunk_sha256":"f550f5bb1f69a49de217f32dd8bca53ed25f5f3b5b083295cbd38a1a8b91e3f3","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ae699ea5c646d934","text_sha256":"f550f5bb1f69a49de217f32dd8bca53ed25f5f3b5b083295cbd38a1a8b91e3f3","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":"Residential | Full\n\n2014\n\n2015\n\nGross Building Finished Area\n\n5,282 Sq. Ft.\n\n5,500 Sq. Ft.\n\n$0\n\n$0\n\n2009\n\n$20,000\n\n2014\n\n5,700 Sq. Ft.\n\n$0\n\n4,900 Sq. Ft.\n\n$0\n\nHeating\n\nUnit(s)\n\nForced Warm Air | Electric\n\nForced Warm Air\n\nForced Warm Air\n\nForced Warm Air\n\nStructure ID | Unit ID\n\nBuilding 1 | Unit A\n\nBuilding 1 | Unit A\n\nBuilding 1 | Unit 1\n\nBuilding 1 | Unit 1\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\n2\n\n2 | 0\n\n2\n\n2 | 0\n\n2\n\n2 | 0\n\n2\n\n2 | 0\n\n1,190 Sq. Ft.\n\n1,300 Sq. Ft.\n\n$(9,900)\n\n1,350 Sq. Ft.\n\n$(14,400)\n\n1,150 Sq. Ft.\n\n$3,600\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\nStructure ID | Unit ID\n\nBuilding 1 | Unit B\n\nBuilding 1 | Unit B\n\nBuilding 1 | Unit 2\n\nBuilding 1 | Unit 2\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\n2\n\n2 | 0\n\n2\n\n2 | 0\n\n2\n\n2 | 0\n\n2\n\n2 | 0\n\n1,190 Sq. Ft.\n\n1,300 Sq. Ft.\n\n$(9,900)\n\n1,350 Sq. Ft.\n\n$(14,400)\n\n1,150 Sq. Ft.\n\n$3,600\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\nStructure ID | Unit ID\n\nBuilding 1 | Unit C\n\nBuilding 1 | Unit C\n\nBuilding 1 | Unit 3\n\nBuilding 1 | Unit 3\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\n2\n\n2 | 0\n\n2\n\n2 | 0\n\n2\n\n2 | 0\n\n2\n\n2 | 0\n\n1,190 Sq. Ft.\n\n1,300 Sq. Ft.\n\n$(9,900)\n\n1,350 Sq. Ft.\n\n$(14,400)\n\n1,150 Sq. Ft.\n"}

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+{"chunk":{"char_end":34731,"char_start":33001,"chunk_id":"chk_4388289d08c60d86","chunk_index":20,"chunk_sha256":"f5582f4afff195b047381a14534f8bc9764049c4227d01eb0ba79269427dddec","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"f5582f4afff195b047381a14534f8bc9764049c4227d01eb0ba79269427dddec","token_estimate":433,"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":"Carport | 2 | Attached\nDriveway | 6 | Gravel\n\nOutbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts)\n\nOutbuilding Type\n\n—\n\n—\n\nShed\n\n$0\n\n—\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 17 of 29\nPage 17 of 29\n\nSales Comparison Approach (continued)\n\nProperty Address\n\nSummary\n\nList Price\n\nContract Price\n\nSale Price\n\nNet Adjustment Total\n\nAdjusted Price Per Unit\n\nAdjusted Price Per Bedroom\n\nPrice Per Gross Building\nFinished Area\n\nAdjusted Price\n\nComparable Weight\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\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\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"}

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+{"chunk":{"char_end":5041,"char_start":3323,"chunk_id":"chk_ff39341c325208e7","chunk_index":2,"chunk_sha256":"f55edca7963d22ebc6c2a6feeeca4447a676a638bdea28b951f9deb4c535f516","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_5a40ad32f513b121","text_sha256":"f55edca7963d22ebc6c2a6feeeca4447a676a638bdea28b951f9deb4c535f516","token_estimate":430,"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":"ExteriorWallsAndTrim\n\nPouredConcrete\n\nBasement\n\nTypicalWearAndTear\n\nFoundation\n\nOneToTenYears\n\ntrue\n\nSlate\n\nMinimal wear and tear with limited physical depreciation.\n\nTypicalWearAndTear\n\nSlate shingles are typically considered to be an upper end material for this type of structure.\n\nRoof\n\nMinimal wear and tear with limited physical depreciation.\n\nTypicalWearAndTear\n\nSemi-custom\n\nWindows\n\nMostly double hung windows - some palladian and transom windows noted.\n\nC3\n\nQ3\n\nTwoToThreeFeet\n\n1\n\nfalse\n\ntrue\n\nfalse\n\nThe subject features higher end materials that are considered to be semi-custom. The dwelling has been well maintained with minimal wear and tear.\n\nCentralized\n\nNaturalGas\n\nForcedWarmAir\n\nWaterHeater\n\ntrue\n\nPropertyPhoto\n\n\\\\Images\\SF2_DwellingExterior.png\n\nimage/png\n\nPropertyAccess\n\n\\\\Images\\SF2_PropertyAccess.png\n\nimage/png\n\nDwellingFront\n\n\\\\Images\\SF2_DwellingExterior.png\n\nimage/png\n\nSubjectPropertyImprovementSketch\n\n\\\\Images\\SF2_Sketch.png\n\nimage/png\n\nSalesComparableMap\n\n\\\\Images\\SF2_SCACompMap.png\n\nimage/png\n\nView\n\n\\\\Images\\SF2_PropertyAccess.png\n\nimage/png\n\nPlat Map\n\nPropertyBoundaries\n\n\\\\Images\\SF2_PropertyBoundary.png\n\nimage/png\n\nPriceTrendGraph\n\n\\\\Images\\SF2_PriceTrend.png\n\nimage/png\n\nProject Pool\n\nProjectAmenity\n\n\\\\Images\\SF2_ProjectPool.png\n\nimage/png\n\n2019-08-07\n\nPhysical\n\nPhysical\n\n45\n\ntrue\n\n15\n\n1350000\n\n1350000\n\n2019-02-16\n\nFQ999956\n\n2019-02-01\n\nOffMarket\n\nMLS\n\n30\n\n875000\n\n875000\n\n2019-04-15\n\nFQ999999\n\n2019-03-15\n\nPending\n\nMLS\n\n25.165173\n\n-51.328125\n\nThe subject is bounded on the northwest by Falling Road, east by I270 and south by Montour Road.\n\n12\n\nAttached properties with an Above Grade Finished Area ranging from 1,900 to 4,000 Sq. Ft. in the described market boundary area.\n"}

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+{"chunk":{"char_end":142656,"char_start":141032,"chunk_id":"chk_e75a5e8169196c94","chunk_index":82,"chunk_sha256":"f57bd405cb6d43714f104ec79cc431b1a68ec8a797284354d4c0b0da0c46527e","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"f57bd405cb6d43714f104ec79cc431b1a68ec8a797284354d4c0b0da0c46527e","token_estimate":406,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Alternative Property Identifier: A proprietary value used to identify parcels of\nreal property.\n\nNumber of acres,\nsquare feet,\nhectares, or\nsquare meters\n\nRequired for each\nparcel if Site Owned in\nCommon is No and\nAPN Description is\nLand with Dwelling,\nLand with\nImprovement, or\nVacant Land\n\n•\n•\n\n•\n\nParcel Size: The area of the individual parcel.\n•\n\nFor area less than 1 acre, use square feet in whole numbers (e.g., 27,840\nsq. ft.).\nFor area that is 1 acre or more, use acres to 2 decimals (e.g., 1.25 acres).\nIf using the metric system, for area less than 1 hectare, use square meters\nin whole numbers (e.g., 7,500 sq. m.).\nIf using the metric system, for area that is 1 hectare or more, use hectares\nto 2 decimals (e.g., 1.25 hectares).\n\nAllowable Answer\n\nLand with Dwelling\n\nAPN Description (Choose all that apply)\n\nDefinition / Additional Guidance\n\nA parcel containing one or more living units.\nExamples:\n•\n•\n•\n\nDwelling on a single lot\nDwelling on multiple lots with independent APNs\nSite condos where the owner individually owns the lot associated with the dwelling\n\nCondominium Unit\n\nA living unit in a condominium project. For use when the property is in a condominium and Site Owned in Common (3.015)\nis Yes.\n\nLand with Improvement\n\nLand with one or more structures that do not contain living units (e.g., shed, barn). For use when the additional parcel\ndoes not contain a dwelling and has its own separate APN.\n\nVacant Land\n\nBoat Slip\n\nParking\n\nStorage\n\nLand containing no structures or dwellings. For use when the additional parcel is vacant land and has its own separate\nAPN. May include utilities to the site.\n"}

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+{"chunk":{"char_end":118556,"char_start":116697,"chunk_id":"chk_9280b9fbbe8e7917","chunk_index":62,"chunk_sha256":"f586407a586c3f25e792d6c3bbf6b5541845c5046069a1f02e08bc25d4afe2ae","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"f586407a586c3f25e792d6c3bbf6b5541845c5046069a1f02e08bc25d4afe2ae","token_estimate":464,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"</CLOSING_INFORMATION_DETAIL>\n\nUCD v2.0 Implementation Guide\n\n- 47 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 35. XML Snippet - CLOSING_INFORMATION_DETAIL.\n\n</CLOSING_INFORMATION>\n\n…\n</MESSAGE>\n\nUCD v2.0 Implementation Guide\n\n- 48 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nF. PREPAID ITEM DATA\n\nItems to be prepaid by the borrower before closing, including but not limited to “property taxes, insurance premiums and\nother items to insure the property or satisfy real estate tax obligations,” are provided in the PREPAID_ITEMS container\nstructure, which groups prepaid item data by description, payee name, and payment. At least one instance of the bolded\ncontainers in the PREPAID_ITEMS structure is required in every XML file.\n\nTable 28. XML File Container Structure for Prepaid Item Data.\n\nUCD UIDs\n\nContainers\n\nUCD Usage Notes\n\n999.103\n\nPREPAID_ITEMS\n\nGroups one or more sets of prepaid line item information.\n\n999.104\n\nPREPAID_ITEM\n\nHolds child containers and data points making up a prepaid line item. At least one\nand up to 25 may be delivered.\n\n999.105\n\nPREPAID_ITEM_DETAIL\n\nHolds data points describing the prepaid item.\n\n999.110/999.\n112/999.113\n\nPREPAID_ITEM_PAID_TO/LEGAL\n_ENTITY/LEGAL_ENTITY_DETAIL\n\n999.106\n\nPREPAID_ITEM_PAYMENTS\n\n999.107\n\nPREPAID_ITEM_PAYMENT\n\nHolds the unparsed name of the payee.\n\nMISMO construct. Plural of singular child container PREPAID_ITEM_PAYMENT holds\nat least 1 and up to 5 sequential occurrences of PREPAID_ITEM_PAYMENT.\n\nHolds data points identifying the payor entity, when paid relative to closing, and\nassociated amount(s). Multiple instances of PREPAID_ITEM_PAYMENT are provided\nwhen the payment was shared by more than one entity or a portion was paid before\nand at closing. At least one and up to five sequential instances are provided.\n"}

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+{"chunk":{"char_end":676437,"char_start":674768,"chunk_id":"chk_8cd05c1991083146","chunk_index":400,"chunk_sha256":"f588b44c2fc275dd5c76efa7c5130b66cf35242f162eca9ee63ee22932b71602","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"f588b44c2fc275dd5c76efa7c5130b66cf35242f162eca9ee63ee22932b71602","token_estimate":417,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"R\n\nR\n\nR\n\nR\n\nR\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nT\n\nT\n\nT\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 124 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\n519\n\n520\n\n521\n\n522\n\n523\n\n524\n\n525\n\n526\n\n527\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n27\n\n28\n\n29\n\n30a\n\n30b\n\n30c\n\n31\n\n32\n\n33\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nName\n\nSupervisor Name\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nCompany Name\n\nSupervisor\nCompany Name\n\nName of the person who is responsible for\nreviewing or supervising the work or\nproject.\nName of the company with which the\nsupervisor is associated.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_Name\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_CompanyName\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nCompany Address\n\nSupervisor Street\nAddress\n\nThe street address of the supervisor.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_StreetAddress\n\nAPPRAISER\nCERTIFICATION\n\nAPPRAISER\nCERTIFICATION\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nCompany Address\n(2nd line)\nSupervisory Appraiser\nCompany Address\n(2nd line)\nSupervisory Appraiser\nCompany Address\n(2nd line)\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nTelephone Number\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nEmail Address\n\nSupervisor City\n\nThe city in which the address of the\nsupervisor is located.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_City\n\nSupervisor State\n\nThe state in which the address of the\nsupervisor is located.\n\nSupervisor Postal\nCode\n\nThe postal code (zip code in US) of the\naddress of the supervisor. Zip code may\nbe either 5 or 9 digits.\n"}

chunks/json/f59c546956d440c273fc9c0a03b43dca99a208f316146b1dd11334e1c5a3668e.json

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+{"chunk":{"char_end":201974,"char_start":200360,"chunk_id":"chk_601528fce16e9089","chunk_index":100,"chunk_sha256":"f59c546956d440c273fc9c0a03b43dca99a208f316146b1dd11334e1c5a3668e","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"f59c546956d440c273fc9c0a03b43dca99a208f316146b1dd11334e1c5a3668e","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Table 77. P&I Payment Adjusts - Balloon Feature\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint\n\nMISMO v3.3.0\nValue\n\nNotes\n\nFirst Instance of PROJECTED_PAYMENT\n\n5.2.2\n\nYear 1 Principal &\nInterest ($)\n\n…/PROJECTED_PAY\nMENT\n\nProjectedPayment\nPrincipalAndIntere\nstMaximumPayme\nntAmount\n\n1007.35\n\nROF as “$1,007.35”\n\nSecond Instance of PROJECTED_PAYMENT\n\n5.2.5\n\nYear 2 Principal &\nInterest ($)\n\n…/PROJECTED_PAY\nMENT\n\nThird Instance of PROJECTED_PAYMENT\n\n5.2.6\n\nYears 3-7 Principal\n& Interest ($) max\n\n…/PROJECTED_PAY\nMENT\n\n5.2.7\n\nYears 3-7 Principal\n& Interest ($) min\n\nProjectedPaymentP\nrincipalAndInterest\nMaximumPayment\nAmount\n\nProjectedPaymentP\nrincipalAndInterest\nMaximumPayment\nAmount\n\nProjectedPaymentP\nrincipalAndInterest\nMinimumPayment\nAmount\n\n1129.61\n\nROF as\n“$1,129.61”\n\n1373.26\n\nROF as “$1,373\nmax”\n\n1251.21\n\nROF as “$1251\nmin”\n\n5.1.4\n\nFinal Payment\n\nFourth Instance of PROJECTED_PAYMENT\n\n…/PROJECTED_PAY\nMENT\n\nProjectedPaymentC\nalculationPeriodTer\nmType\n\nOther\n\nNot shown –\ntriggers\nrequirement for\nother data point\n\nAppendix E: UCD Implementation Guide\n\nPage 90 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n5.0 Projected Payments Table\n\nTable 77. P&I Payment Adjusts - Balloon Feature\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint\n\nMISMO v3.3.0\nValue\n\n5.1.4\n\nFinal Payment\n\n5.2.9\n\nFinal Payment\nPrincipal & Interest\n($)\n\nProjectedPaymentC\nalculationPeriodTer\nmTypeOtherDescri\nption\n\nProjectedPaymentP\nrincipalAndInterest\nMaximumPayment\nAmount\n\nFinalPayment\n\nNotes\n\nROF as “Final\nPayment”\n\n149263.00\n\nROF as\n“$149,263”\n\n5.1\n\nN/A\n\n…/LOAN_DETAIL\n\nBalloonIndicator\n"}

chunks/json/f5a19bc4a77b1a374cec21f68d400bf617a1f844f84c42456b234339002bf0d5.json

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+{"chunk":{"char_end":107235,"char_start":0,"chunk_id":"chk_0f3b88435b8e6665","chunk_index":0,"chunk_sha256":"f5a19bc4a77b1a374cec21f68d400bf617a1f844f84c42456b234339002bf0d5","date_utc":"2026-01-27T18:13:19+00:00","doc_type":"text","paths":{"json":"","txt":null},"source_id":"src_b4fcd53446caf730","text_sha256":"f5a19bc4a77b1a374cec21f68d400bf617a1f844f84c42456b234339002bf0d5","token_estimate":1534,"warnings":["source_path=Public_Use_Database___FHFA/links/2024_enterprise_mf_ctf/2024_Enterprise_MF_CTF/stcnty_2024.txt","exceeds_max_chunk_chars_truncated"]},"text":"\"01\" \"AL\" \"001\" \"Autauga County\"\n\"01\" \"AL\" \"003\" \"Baldwin County\"\n\"01\" \"AL\" \"005\" \"Barbour County\"\n\"01\" \"AL\" \"007\" \"Bibb County\"\n\"01\" \"AL\" \"009\" \"Blount County\"\n\"01\" \"AL\" \"011\" \"Bullock County\"\n\"01\" \"AL\" \"013\" \"Butler County\"\n\"01\" \"AL\" \"015\" \"Calhoun County\"\n\"01\" \"AL\" \"017\" \"Chambers County\"\n\"01\" \"AL\" \"019\" \"Cherokee County\"\n\"01\" \"AL\" \"021\" \"Chilton County\"\n\"01\" \"AL\" \"023\" \"Choctaw County\"\n\"01\" \"AL\" \"025\" \"Clarke County\"\n\"01\" \"AL\" \"027\" \"Clay County\"\n\"01\" \"AL\" \"029\" \"Cleburne County\"\n\"01\" \"AL\" \"031\" \"Coffee County\"\n\"01\" \"AL\" \"033\" \"Colbert County\"\n\"01\" \"AL\" \"035\" \"Conecuh County\"\n\"01\" \"AL\" \"037\" \"Coosa County\"\n\"01\" \"AL\" \"039\" \"Covington County\"\n\"01\" \"AL\" \"041\" \"Crenshaw County\"\n\"01\" \"AL\" \"043\" \"Cullman County\"\n\"01\" \"AL\" \"045\" \"Dale County\"\n\"01\" \"AL\" \"047\" \"Dallas County\"\n\"01\" \"AL\" \"049\" \"DeKalb County\"\n\"01\" \"AL\" \"051\" \"Elmore County\"\n\"01\" \"AL\" \"053\" \"Escambia County\"\n\"01\" \"AL\" \"055\" \"Etowah County\"\n\"01\" \"AL\" \"057\" \"Fayette County\"\n\"01\" \"AL\" \"059\" \"Franklin County\"\n\"01\" \"AL\" \"061\" \"Geneva County\"\n\"01\" \"AL\" \"063\" \"Greene County\"\n\"01\" \"AL\" \"065\" \"Hale County\"\n\"01\" \"AL\" \"067\" \"Henry County\"\n\"01\" \"AL\" \"069\" \"Houston County\"\n\"01\" \"AL\" \"071\" \"Jackson County\"\n\"01\" \"AL\" \"073\" \"Jefferson County\"\n\"01\" \"AL\" \"075\" \"Lamar County\"\n\"01\" \"AL\" \"077\" \"Lauderdale County\"\n\"01\" \"AL\" \"079\" \"Lawrence County\"\n\"01\" \"AL\" \"081\" \"Lee County\"\n\"01\" \"AL\" \"083\" \"Limestone County\"\n\"01\" \"AL\" \"085\" \"Lowndes County\"\n\"01\" \"AL\" \"087\" \"Macon County\"\n\"01\" \"AL\" \"089\" \"Madison County\"\n\"01\" \"AL\" \"091\" \"Marengo County\"\n\"01\" \"AL\" \"093\" \"Marion County\"\n\"01\" \"AL\" \"095\" \"Marshall County\"\n\"01\" \"AL\" \"097\" \"Mobile County\"\n\"01\" \"AL\" \"099\" \"Monroe County\"\n\"01\" \"AL\" \"101\" \"Montgomery County\"\n\"01\" \"AL\" \"103\" \"Morgan County\"\n\"01\" \"AL\" \"105\" \"Perry County\"\n\"01\" \"AL\" \"107\" \"Pickens County\"\n\"01\" \"AL\" \"109\" \"Pike County\"\n\"01\" \"AL\" \"111\" \"Randolph County\"\n\"01\" \"AL\" \"113\" \"Russell County\"\n\"01\" \"AL\" \"115\" \"St. Clair County\"\n\"01\" \"AL\" \"117\" \"Shelby County\"\n\"01\" \"AL\" \"119\" \"Sumter County\"\n\"01\" \"AL\" \"121\" \"Talladega County\"\n\"01\" \"AL\" \"123\" \"Tallapoosa County\"\n\"01\" \"AL\" \"125\" \"Tuscaloosa County\"\n\"01\" \"AL\" \"127\" \"Walker County\"\n\"01\" \"AL\" \"129\" \"Washington County\"\n\"01\" \"AL\" \"131\" \"Wilcox County\"\n\"01\" \"AL\" \"133\" \"Winston County\"\n\"02\" \"AK\" \"013\" \"Aleutians East Borough\"\n\"02\" \"AK\" \"016\" \"Aleutians West Census Area\"\n\"02\" \"AK\" \"020\" \"Anchorage Municipality\"\n\"02\" \"AK\" \"050\" \"Bethel Census Area\"\n\"02\" \"AK\" \"060\" \"Bristol Bay Borough\"\n\"02\" \"AK\" \"063\" \"Chugach Census Area\"\n\"02\" \"AK\" \"066\" \"Copper River Census Area\"\n\"02\" \"AK\" \"068\" \"Denali Borough\"\n\"02\" \"AK\" \"070\" \"Dillingham Census Area\"\n\"02\" \"AK\" \"090\" \"Fairbanks North Star Borough\"\n\"02\" \"AK\" \"100\" \"Haines Borough\"\n\"02\" \"AK\" \"105\" \"Hoonah-Angoon Census Area\"\n\"02\" \"AK\" \"110\" \"Juneau City and Borough\"\n\"02\" \"AK\" \"122\" \"Kenai Peninsula Borough\"\n\"02\" \"AK\" \"130\" \"Ketchikan Gateway Borough\"\n\"02\" \"AK\" \"150\" \"Kodiak Island Borough\"\n\"02\" \"AK\" \"158\" \"Kusilvak Census Area\"\n\"02\" \"AK\" \"164\" \"Lake and Peninsula Borough\"\n\"02\" \"AK\" \"170\" \"Matanuska-Susitna Borough\"\n\"02\" \"AK\" \"180\" \"Nome Census Area\"\n\"02\" \"AK\" \"185\" \"North Slope Borough\"\n\"02\" \"AK\" \"188\" \"Northwest Arctic Borough\"\n\"02\" \"AK\" \"195\" \"Petersburg Borough\"\n\"02\" \"AK\" \"198\" \"Prince of Wales-Hyder Census Area\"\n\"02\" \"AK\" \"220\" \"Sitka City and Borough\"\n\"02\" \"AK\" \"230\" \"Skagway Municipality\"\n\"02\" \"AK\" \"240\" \"Southeast Fairbanks Census Area\"\n\"02\" \"AK\" \"275\" \"Wrangell City and Borough\"\n\"02\" \"AK\" \"282\" \"Yakutat City and Borough\"\n\"02\" \"AK\" \"290\" \"Yukon-Koyukuk Census Area\"\n\"04\" \"AZ\" \"001\" \"Apache County\"\n\"04\" \"AZ\" \"003\" \"Cochise County\"\n\"04\" \"AZ\" \"005\" \"Coconino County\"\n\"04\" \"AZ\" \"007\" \"Gila County\"\n\"04\" \"AZ\" \"009\" \"Graham County\"\n\"04\" \"AZ\" \"011\" \"Greenlee County\"\n\"04\" \"AZ\" \"012\" \"La Paz County\"\n\"04\" \"AZ\" \"013\" \"Maricopa County\"\n\"04\" \"AZ\" \"015\" \"Mohave County\"\n\"04\" \"AZ\" \"017\" \"Navajo County\"\n\"04\" \"AZ\" \"019\" \"Pima County\"\n\"04\" \"AZ\" \"021\" \"Pinal County\"\n\"04\" \"AZ\" \"023\" \"Santa Cruz County\"\n\"04\" \"AZ\" \"025\" \"Yavapai County\"\n\"04\" \"AZ\" \"027\" \"Yuma County\"\n\"05\" \"AR\" \"001\" \"Arkansas County\"\n\"05\" \"AR\" \"003\" \"Ashley County\"\n\"05\" \"AR\n"}

chunks/json/f5adae32461b67f23b466803cb49bfd93e0a9a30c6a80b189c283f26658d0e18.json

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+{"chunk":{"char_end":25208,"char_start":21873,"chunk_id":"chk_f154f7c5428e4b7f","chunk_index":13,"chunk_sha256":"f5adae32461b67f23b466803cb49bfd93e0a9a30c6a80b189c283f26658d0e18","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f79354cddab6ed07","text_sha256":"f5adae32461b67f23b466803cb49bfd93e0a9a30c6a80b189c283f26658d0e18","token_estimate":1033,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Duty_to_Serve_Eligibility_Data___FHFA_49jfir.md"]},"text":"Sign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/16971\",\"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"}

chunks/json/f5c9b4184ded598b6d048dcd42fe103e3a93bdccaf8dc68e44cfb10321204c6d.json

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+{"chunk":{"char_end":757858,"char_start":756260,"chunk_id":"chk_732ef147878bae9b","chunk_index":449,"chunk_sha256":"f5c9b4184ded598b6d048dcd42fe103e3a93bdccaf8dc68e44cfb10321204c6d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"f5c9b4184ded598b6d048dcd42fe103e3a93bdccaf8dc68e44cfb10321204c6d","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"CR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\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 136 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\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n121\n\nPROJECT SITE\n\nFEMA Special Flood Hazard Area\nNo\n\nGSE FEMA Special\nFlood Hazard Area\nIndicator\n\nIndicates whether any part of the subject\nparcel is in a FEMA designated Flood\nZone.\n\n122\n\nPROJECT SITE\n\nFEMA Flood Zone\n\nGSE NFIP Flood\nZone Identifier\n\nThe FEMA Flood Zone identifier for the\nsubject site.\n\n123\n\nPROJECT SITE\n\nFEMA Map #\n\nGSE FEMA Flood\nMap Identifier\n\nThe FEMA map number of which the\nsubject property is located.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/FLOOD_ZONE/FLOOD_ZONE\n_EXTENSION/FLOOD_ZONE_EXTENSION_SECTION[@ExtensionSectionOr\nganizationName='UNIFORM APPRAISAL\nDATASET']/FLOOD_ZONE_EXTENSION_SECTION_DATA/FLOOD_ZONE\n_INFORMATION[@GSEFEMASpecialFloodHazardAreaIndicator='N']\n\n/VALUATION_RESPONSE/PROPERTY/SITE/FLOOD_ZONE/FLOOD_ZONE\n_EXTENSION/FLOOD_ZONE_EXTENSION_SECTION[@ExtensionSectionOr\nganizationName='UNIFORM APPRAISAL\nDATASET']/FLOOD_ZONE_EXTENSION_SECTION_DATA/FLOOD_ZONE\n_INFORMATION/@GSENFIPFloodZoneIdentifier\n\n/VALUATION_RESPONSE/PROPERTY/SITE/FLOOD_ZONE/FLOOD_ZONE\n_EXTENSION/FLOOD_ZONE_EXTENSION_SECTION[@ExtensionSectionOr\nganizationName='UNIFORM APPRAISAL\nDATASET']/FLOOD_ZONE_EXTENSION_SECTION_DATA/FLOOD_ZONE\n_INFORMATION/@GSEFEMAFloodMapIdentifier\n\n124\n\nPROJECT SITE\n\nFEMA Map Date\n"}

chunks/json/f5cd8cb8f632c678c9104ba6d88b2a3e000744616d7000e3dd9b50e9655d818a.json

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+{"chunk":{"char_end":113268,"char_start":111652,"chunk_id":"chk_b775696a7937c2d6","chunk_index":46,"chunk_sha256":"f5cd8cb8f632c678c9104ba6d88b2a3e000744616d7000e3dd9b50e9655d818a","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"f5cd8cb8f632c678c9104ba6d88b2a3e000744616d7000e3dd9b50e9655d818a","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"ID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\n\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\n2.1\n\nBorrower\n\n…/PARTY/INDIVIDUA\nL/NAME\n\nFirstName\n\nLastName\n\nMichael\n\nJones\n\n…/PARTY/ROLES/ROL\nE/ROLE_DETAIL\n\nPartyRoleType\n\nBorrower\n\n▪ ROF as Borrower\n▪ Qualifies the data\nin this PARTY\ncontainer\n\n2. LEGAL ENTI TY\n\nIf the borrower is a non-individual such as a trust or company, the name is provided using the data points in\nTable 21. See PARTI ES / PARTY, PARTY NAME – LEGAL_ENTITY , and PARTY RO LE TYPE in Section V.\n\n2.0 Transaction Information\n\n2.1 Borrower Jones Family Trust\n\n123 Anywhere Street, Unit C\n\nAnytown, ST 12345\n\nFigure 13. Borrower Legal Entity Name\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 21. Borrower Legal Entity Name\n\n2.1\n\nBorrower\n\n…/PARTY/LEGAL_EN\nTITY/LEGAL_ENTITY_\nDETAIL\n\n…/PARTY/ROLES/RO\nLE/ROLE_DETAIL\n\nFullName\n\nJones Family Trust\n\nPartyRoleType\n\nBorrower\n\n▪ ROF as Borrower\n▪ Qualifies the data\nin this PARTY\ncontainer\n\nAppendix E: UCD Implementation Guide\n\nPage 40 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n2.0 Transaction Information\n\n3. MAI LI NG ADDRESS\n\nThe borrower mailing address illustrated in Figure 12 is provided using the data points listed in Table 22. The\nAddressUnitDesignatorType and AddressUnitIdentifier must be provided only when they make up part of the\ncomplete street address. The CountryCode must be included only if the mailing address is outside of the United\nStates.\n\nTable 22. Mailing Address\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n"}

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+{"chunk":{"char_end":1720,"char_start":0,"chunk_id":"chk_1fd278a6dc8bfdaa","chunk_index":0,"chunk_sha256":"f5cfe5791c17d7f12b7da70794d9f051bb579b0a0e78874285737147bf811bfb","date_utc":"2026-01-27T17:54:22+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_68cca17f38770049","text_sha256":"f5cfe5791c17d7f12b7da70794d9f051bb579b0a0e78874285737147bf811bfb","token_estimate":523,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Conservatorship___FHFA_fy8hdg.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/conservatorship\"\ndate_accessed: \"2026-01-27T17:54:20.256Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}

chunks/json/f5d13a0711e6488455d886d5753397dc4ab0aad961445da7415acc7e88ea0393.json

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+{"chunk":{"char_end":69732,"char_start":68142,"chunk_id":"chk_f75601caac4c9949","chunk_index":86,"chunk_sha256":"f5d13a0711e6488455d886d5753397dc4ab0aad961445da7415acc7e88ea0393","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"f5d13a0711e6488455d886d5753397dc4ab0aad961445da7415acc7e88ea0393","token_estimate":417,"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“As Is Overall Condition Rating,” sets as TXR-B, TXR\n\n• The following statement sets TXC-I1: “Existing condition of the property as of the effective\n\ndate of this appraisal, excluding all required repairs, alterations, or inspections”.\n\nRight-hand side of page\n\n•\n\n“Total Estimated Cost of Items Recommended for Repair,” sets as TXR-B, TXR\n\nStarts new page. “Assignment Information” sets as TAB.\n\nLeft-hand side of page\n\n•\n\n“Assignment Reason,” “Borrower Name,” “Seller Name” and “Current Owner of Public\nRecord” set as TXR-B, TXR\n\nAppendix E: Report Style Guide\n\nPage 34 of 90\n\nVersion 1.4\n\nRight-hand side of page\n\n•\n\n•\n\n•\n\n“Property Valuation Method” set as TXR-B, TXR.\n\n“Yes” “No” (Y/N) followed by “Was a Property Data Report used in lieu of an Inspection?”\nsets as CK1.\n\n“Appraiser Fee,” “AMC Fee,” “Government Agency,” “Investor Requested Special\nIdentification” set as TXR-B, TXR.\n\nContact Information (H1)\n\n[Role]/[Role] (H2)\n\n[Role] is placeholder for content, if applicable per iGuide\n\nLeft-hand side of page\n\n•\n\n“Company Name,” “Company Address” set as TXR-I, TXR.\n\nRight-hand side of page\n\n•\n\n•\n\n“Credentials” sets as TX-B.\n\n“ID,” “State,” “Expires” set as TXR-I, TXR.\n\n[Role: Appraiser and Supervisory Appraiser] (H2)\n\nSubsection repeats for each [Role] if applicable per iGuide.\n\nLeft-hand side of page\n\n•\n\n•\n\n•\n\n•\n\n“Name,” “Designation,” “Company Name,” “Company Address” set as TXR-I, TXR.\n\n“Scope of Inspection by [Role]” sets as TX-B.\n\n“Subject Property Inspection,” sets as TXR-I.\n\n“Exterior,” Interior,” “Inspection Date” set as TXR-II, TXR.\n"}

chunks/json/f5d7c4f5f2c8ff133093a920eaf174bc3dc75a3c202fe3777629a68a26a41684.json

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+{"chunk":{"char_end":10979,"char_start":9322,"chunk_id":"chk_3b77d9cd1bd18e97","chunk_index":5,"chunk_sha256":"f5d7c4f5f2c8ff133093a920eaf174bc3dc75a3c202fe3777629a68a26a41684","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d247cbfbdbb56cff","text_sha256":"f5d7c4f5f2c8ff133093a920eaf174bc3dc75a3c202fe3777629a68a26a41684","token_estimate":415,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Dodd_Frank_Act_Stress_Tests__DFAST____FHFA_s4da42.md"]},"text":"In 2014 FHFA began requiring its regulated entities to conduct stress tests pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Dodd-Frank Act). As amended by Section 401 of the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA), the Dodd-Frank Act requires certain financial companies with total consolidated assets of more than $250 billion, and which are regulated by a primary federal financial regulatory agency, to conduct periodic stress tests to determine whether the companies have sufficient capital to absorb losses and support operations during adverse economic conditions.\n\n### DFAST Reporting Cycles\n\n[2025 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2025)\n\n[2024 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2024)\n\n[2023 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2023)\n\n[2022 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2022)\n\n[2021 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2021)\n\n[2020 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2020)\n\n[2019 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2019)\n\n[2018 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2018)\n\n[2017 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2017)\n\n[2016 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2016)\n"}

chunks/json/f5dbcf60dbea362c8a32a681fa95c65b08229cc398227cf16ebf151f080f4eee.json

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+{"chunk":{"char_end":502966,"char_start":501320,"chunk_id":"chk_48d254a35530cb8d","chunk_index":298,"chunk_sha256":"f5dbcf60dbea362c8a32a681fa95c65b08229cc398227cf16ebf151f080f4eee","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"f5dbcf60dbea362c8a32a681fa95c65b08229cc398227cf16ebf151f080f4eee","token_estimate":412,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"•\n\nIf the subject is in a project and the comparable is not, the cell(s) display a dash to show that project information is not applicable for the\ncomparable.\n\nAppendix F-1: URAR Reference Guide\n\nPage 215 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nHow Rows Display in the Sales Comparison Grid\n\nThere are three ways that rows display in the sales comparison grid depending on characteristics of the subject and / or comparables.\n• Rows that always display (e.g., Property Address, Year Built, and Attached/Detached), or\n• Rows that conditionally display if applicable based on property characteristics (e.g., Project Information, Water Frontage, and ADU), or\n• Rows that may display if relevant to support adjustments, analysis, and conclusions\n\nExamples:\n\nReport Label\n\nRow Always Displays\n\nRow Displays if Applicable\n(Conditionally Displays)\n\nRow Displays if Relevant\n(May Display)\n\n√\n\n√\n\n√\n\nYear Built\n\nQuality (Interior)\n\nCondition (Interior)\n\nHazard Zone\n\nProject Name | Same Project as Subject\n\nTownhouse End Unit\n\nCooling\n\nWhen the subject or any comparable is\nin a Hazard Zone\n\nWhen the subject or any comparable is\nin a condo, co-op, or condop\n\n√\n\n√\n\nFor a full list, including whether the row is adjustable, see Appendix F-1: URAR Reference Guide Supplement - Summary of Rows in Comparable\nGrids.\n\nGeneral Guidance on Rows that May Display\n\nSome rows display on the sales comparison grid if relevant:\n• To make an adjustment on a specific characteristic, or\n•\n• To report meaningful attributes, or\n• To support conclusions, scope of work, or policy.\n\nIn support of an overall or rollup adjustment, or\n"}

chunks/json/f5e41bac0bcb439da45e6143776fddca3d9decaf785cbdeb6e9a621ef6a82d8f.json

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+{"chunk":{"char_end":125255,"char_start":123614,"chunk_id":"chk_1831cb90a57ee455","chunk_index":73,"chunk_sha256":"f5e41bac0bcb439da45e6143776fddca3d9decaf785cbdeb6e9a621ef6a82d8f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"f5e41bac0bcb439da45e6143776fddca3d9decaf785cbdeb6e9a621ef6a82d8f","token_estimate":411,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Form\nSection\n\n128\n\n129\n\n130\n\n1\n\n1\n\n1\n\n122\n\nSITE\n\n123\n\nSITE\n\n124\n\nSITE\n\n131\n\n1\n\n125\n\nSITE\n\n132\n\n1\n\n126\n\nSITE\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nPERTY_ANALYSIS[@_Type='UtilitiesAndOff\nSiteImprovementsConformToNeighborhood' and\n@_ExistsIndicator='Y']\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nPERTY_ANALYSIS[@_Type='UtilitiesAndOff\nSiteImprovementsConformToNeighborhood' and\n@_ExistsIndicator='N']\n\n1\n\n1\n\nBoolean\n\nBoolean\n\nProperty Analysis\nComment\n\nA free-form text field that holds the\nproperty analysis comments for the\nanalysis category specified by\nProperty Analysis Type.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nPERTY_ANALYSIS[@_Type='UtilitiesAndOff\nSiteImprovementsConformToNeighborhood']/@\n_Comment\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must\nbe captured and included in the XML data point.\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nPERTY_ANALYSIS[@_Type='AdverseSiteCon\nditions' and @_ExistsIndicator='Y']\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nPERTY_ANALYSIS[@_Type='AdverseSiteCon\nditions' and @_ExistsIndicator='N']\n\n1\n\n1\n\nBoolean\n\nBoolean\n\nProperty Analysis\nComment\n\nA free-form text field that holds the\nproperty analysis comments for the\nanalysis category specified by\nProperty Analysis Type.\n"}

chunks/json/f5e784d6f711cc25a0b99739495ddb73ac752a35e310dd32354c2b54b8adfc24.json

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+{"chunk":{"char_end":43086,"char_start":41340,"chunk_id":"chk_6d705b6959b61b43","chunk_index":24,"chunk_sha256":"f5e784d6f711cc25a0b99739495ddb73ac752a35e310dd32354c2b54b8adfc24","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"f5e784d6f711cc25a0b99739495ddb73ac752a35e310dd32354c2b54b8adfc24","token_estimate":437,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"•\n•\n•\n•\n\n•\n\n04.043\n\nID\n\nRequired if Credential\nType is not None\n\nFree-form\n\nThe credential as reported by the state or ASC, if applicable.\nNote: Do not include state in the ID field unless it is part of the credential\nnumber as reported on the ASC National Registry.\n\n04.044\n\nState\n\nRequired if Credential\nType is not None\n\n2-letter USPS state\ncode\n\nState credential that applies to the assignment, commonly referred to as the\n“credentialling state.”\n\n04.045 Expires\n\n04.046 Description\n\nRequired if Credential\nType is not None\n\nRequired for each\nperson providing\nsignificant real\nproperty appraisal\nassistance\n\nmm/dd/yyyy\n\nExpiration date of the credential.\n\nFree-form\n\nExplains the details and extent of the assistance provided.\n\nAssignment Information and Scope of Work Commentary\n\nAssignment Information and Scope of Work Commentary\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n04.047 Assignment\n\nIf applicable\n\nFree-form\n\nInformation and\nScope of Work\nCommentary\n\nDefinition / Additional Guidance\n\nCommentary could include information pertinent to Assignment information\nand Scope of Work that is not captured in the discrete data, or additional\ndetails to support the discrete data.\n\nAppendix F-2: Appraisal Update Report Reference Guide\n\nPage 21 of 28\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n05 Certifications and Scope of Work\n\n05 Certifications and Scope of Work\n\nThe Certifications and Scope of Work section always displays. It contains a combination of:\n• Predefined text that always displays (not addressed in this document)\n• Dynamic predefined text (e.g., text for government agency appraisal updates, Appraiser Cert 10)\n• Free-form text (e.g., additional scope of work or appraiser certifications)\n"}

chunks/json/f5ea88acec266e9ce2bb81c3e97093dcd2ddd67cc014c9ac14b9a4dcdb762905.json

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+{"chunk":{"char_end":63375,"char_start":61777,"chunk_id":"chk_281ab04fcefb3578","chunk_index":52,"chunk_sha256":"f5ea88acec266e9ce2bb81c3e97093dcd2ddd67cc014c9ac14b9a4dcdb762905","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"f5ea88acec266e9ce2bb81c3e97093dcd2ddd67cc014c9ac14b9a4dcdb762905","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"09.036\n\n6\n\nIf this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms\nare defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile\ntransmission of this report containing a copy or representation of my signature, I agree that my electronic\nsignature 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\nhandwritten signature.\n\nWhen Additional Supervisory Appraiser Certifications – AppraiserSupervisorAdditionalCertificationIndicator (UID: 2200.0035, FID: Not on report) =\n\n•\n\n“true”\n\no Display sub-header: Additional Supervisory Appraiser Certifications (FID: 09.023)\no Display in italics below sub-header: Additional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser\n\nCertifications.\n\no Deliver ValuationAdditionalCertificationIncludedByType (UID: 2200.0090, FID: Not on report) = “AppraiserSupervisor”\no Display the text from ValuationAdditionalCertificationText (UID: 2200.0013, FID: 09.024) and deliver in XML.\n\n▪ Additional certifications are numbered starting at 1.\n\n•\n\n“false”\n\no Do not display\n\nSignature\n\nThe Signature subsection always displays. There can be multiple signatures on the report. Every completion report must contain a PartyRoleType =\n\"Appraiser\" and/or \"AppraiserSupervisor\". (Figure 09 - 1)\n\nPage 53\n\nReport\nField ID\n\nReport Label\nName\n\nUnique ID\n\nMISMO Data Point\nName\n\nDisplay Rules\n\nSignature\n"}

chunks/json/f5ef018b839531a395fd53bce83af9ac963943dbf01bb634e2850f357441ce6d.json

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+{"chunk":{"char_end":10727,"char_start":9001,"chunk_id":"chk_51a560c97dd0f914","chunk_index":5,"chunk_sha256":"f5ef018b839531a395fd53bce83af9ac963943dbf01bb634e2850f357441ce6d","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b6467a46396e149","text_sha256":"f5ef018b839531a395fd53bce83af9ac963943dbf01bb634e2850f357441ce6d","token_estimate":432,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Credit_Scores___FHFA_22br38.md"]},"text":"## [**Recent Updates**](/document/vantagescore-4.0-implementation-faq)\n\nU.S. Federal Housing is updating the implementation of newer, more advanced credit score models by the Enterprises. The Enterprises are moving forward with an interim phase in this initiative, in which they will permit lenders to deliver mortgage loans using a credit score generated by either the Classic FICO model or the VantageScore 4.0 model. This “lender choice” approach will introduce more robust competition in credit scoring while the Enterprises continue to work towards full implementation of modernized credit scoring and credit reporting.\n\nPlease see below for Frequently Asked Questions (FAQs) about the interim phase of the initiative. These FAQs will be updated regularly.\n\n### **What policies are being updated by FHFA?**\n\nFor decades, mortgage loans delivered to Fannie Mae and Freddie Mac (the Enterprises) have required credit scores, when available, from a single model – the “Classic FICO” model. Now FHFA is directing the Enterprises to permit lenders to choose between two approved credit score models – Classic FICO and VantageScore 4.0 – for loans sold to the Enterprises.\n\n### **Why is FHFA pursuing these changes?**\n\nIn 2018, President Trump signed into law the Credit Score Competition Act[[1]](#ftn1), requiring FHFA to establish a process for the Enterprises to validate more advanced credit score models. In 2022, after extensive testing and review by the Enterprises, FHFA announced the validation of two new credit score models – VantageScore 4.0 and FICO 10T. These new models take into account additional sources of data, including rent payment history, and have the potential to accurately score many more Americans.\n"}

chunks/json/f5f474100385ae465d36daa13c60a5ec6718523d789986ed1cbaf97b371f0733.json

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+{"chunk":{"char_end":870640,"char_start":868982,"chunk_id":"chk_f329ecae8301bb73","chunk_index":517,"chunk_sha256":"f5f474100385ae465d36daa13c60a5ec6718523d789986ed1cbaf97b371f0733","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"f5f474100385ae465d36daa13c60a5ec6718523d789986ed1cbaf97b371f0733","token_estimate":415,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"The legal phase number of the subject unit.\n\nThis data is referenced more than once on the form (fields 1-19, 3-14), and must be\nrepresented consistently.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nThis field is required if field 1-33 (Appraisal\nPurpose Type = 'Purchase') is indicated.\n\nString\n\nString\n\nString\n\nString\n\nString\n\nMoney\n\nMoney\n\nPDF Display Format:\nIn dollars, to two decimal places.\n\nThis field should be populated if field 3-15\n(Property Sales Amount) is populated.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nT\n\nCR\n\nT\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 151 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\n337\n\n3\n\ne-14\n\nSALES\nCOMPARISON\nAPPROACH\n\nLocation\n\nGSE Overall\nLocation Rating\nType\n\nThe overall rating of the location\nassociated with the property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_L\nOCATION_OVERALL_RATING_EXTENSION/COMPARISON_LOCATION_\nOVERALL_RATING_EXTENSION_SECTION[@ExtensionSectionOrganizatio\nnName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_LOCATION_OVERALL_RATING_EXTENSION\n_SECTION_DATA/COMPARISON_LOCATION_OVERALL_RATING/@GSE\nOverallLocationRatingType\n\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"}

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+{"chunk":{"char_end":306973,"char_start":305361,"chunk_id":"chk_2d918ac241fb108d","chunk_index":165,"chunk_sha256":"f60c8578bf8e176394ae3f9b725892d7c24060f8fa6245e7cc7345f4b34d0b61","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"f60c8578bf8e176394ae3f9b725892d7c24060f8fa6245e7cc7345f4b34d0b61","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"8.0 Other Costs Table\n\nTable 100. Other 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\nNotes\n\n8.17.1 HOA Special\n\nAssessment to\n_____\n\n…/FEE/FEE_PAID_T\nO/LEGAL_ENTITY/L\nEGAL_ENTITY_DETA\nIL\n\nFullName\n\nHOA Acre Inc.\n\nPayee company\nname\n\n8.17.2 Borrower-Paid At\nClosing ($)\n\n…/FEE/FEE_PAYME\nNTS/FEE_PAYMENT\n\nFeeActualPayment\nAmount\n\n500.00\n\nROF as $500.00\n\n8.17.2 Borrower-Paid\n\nFeePaymentPaidBy\nType\n\nBuyer\n\nROF as “Borrower-\nPaid”\n\n8.17.2 At Closing\n\nfalse\n\nROF as “At Closing”\n\nFeePaymentPaidOu\ntsideOfClosingIndic\nator\n\nSecond Instance of FEE\n\nN/A – GSE\n\n…/FEE/FEE_DETAIL\n\nFeePaidToType\n\nUID\n8.180\n\nThirdPartyProvider Not shown –\n\nATR/QM\n\nHomeInspectionFee ROF as “Home\nInspection Fee”\n\nHome Inspection\nFee\n\nOtherCosts\n\nFeeType\n\n@gse:DisplayLabelT\next\n\nIntegratedDisclosur\neSectionType\n\nOptionalCostIndicat\nor\n\nfalse\n\nRegulationZPointsA\nndFeesIndicator\n\ntrue\n\nFullName\n\nHOA Acre Inc.\n\nNot shown unless =\n“true”\n\nNot Shown –\nQM/ATR\n\nPayee company\nname\n\n…/FEE/FEE_PAID_T\nO/LEGAL_ENTITY/L\nEGAL_ENTITY_DETA\nIL\n\n8.17.2 Borrower-Paid At\nClosing ($)\n\n…/FEE/FEE_PAYME\nNTS/FEE_PAYMENT\n\nFeeActualPayment\nAmount\n\n150.00\n\nROF as “$150.00”\n\n8.17.2 Borrower-Paid\n\n8.17.2 At Closing\n\nFeePaymentPaidBy\nType\n\nBuyer\n\nROF as “Borrower-\nPaid”\n\nfalse\n\nROF as “At Closing”\n\nFeePaymentPaidOu\ntsideOfClosingIndic\nator\n\nThird Instance of FEE\n\nUID\n8.180\n\nN/A - GSE\n\n…/FEE/FEE_DETAIL\n\nFeePaidToType\n\nThirdPartyProvider Not shown –\n\nATR/QM\n\nFeeType\n\nHomeWarrantyFee\n\nAppendix E: UCD Implementation Guide\n\nPage 140 of 254\n\nVersion 1.4\n\n8.17\n\nHome Inspection\nFee\n\n8.17 N/A-XML\n"}

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chunks/json/f612732e77dad8552cee7680856fbb7baa7a38953a30103d0f77e73e2379373c.json

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chunks/json/f614d1dd77b9650189ddecf251f6658eb23bdd762c7f0a65e7d5b140668eb64d.json

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+{"chunk":{"char_end":40335,"char_start":38653,"chunk_id":"chk_eb183e7753c2a10a","chunk_index":23,"chunk_sha256":"f614d1dd77b9650189ddecf251f6658eb23bdd762c7f0a65e7d5b140668eb64d","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"f614d1dd77b9650189ddecf251f6658eb23bdd762c7f0a65e7d5b140668eb64d","token_estimate":421,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"Both\n\nX\n\nBoth\n\nX\n\nX\n\nX\n\nProprietary\nFindings will align\nwith the GSE the\nreport was\nrequested from.\n\nGSE Investor\n\ngseInvestor\n\nIdentifies the GSE to which the report pertains.\n\nBoth\n\nX\n\nX\n\nX\n\n{GSE Investor appears as\nlogo in top left of SSR; does\nnot appear as discrete data\npoint on PDF}\n\nHas the market value of\nthe subject property\ndecreased since the\neffective date of the\noriginal appraisal?\n\npropertyMarketValue\nDecreasedIndicator\n\nIndicates whether the market value of a property has\ndecreased. Generally used when updating a previous\nappraisal report on the same property.\n\nNote: Appears only on the Restricted Appraisal\nUpdate Report.\n\nLast Submission\nDate/Time\n\nlastSubmissionDateTi\nme\n\nThe last date and time when the document was\nreceived for a given sequence/document type.\n\nLender Loan Number\n\nlenderLoanNumber\n\nThe unique Loan Number assigned by the lender. The\nLender Loan Number is provided by the submitter of\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nBoth\n\nBoth\n\nBoth\n\nX\n\nX\n\nX\n\nX\n\nX\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\nPDF / JSON\n\nX\n\nX\n\nPDF / JSON\n\nPDF / JSON\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.\n\nPDF Data Point Name\n\nJSON SSR\nField Name\n\nDefinition / Description\n\nAppears on…\n[FNM, FRE, Both] *\n\nReport Type\n\nURAR\n\nUpdate\nReport\n\nCompletion\nReport\n\nFormat\nType\n\nPDF / JSON\n\nLender Name\n\nlenderName\n\nLicense ID\n\nlicenseIdentifier\n\nLicense State\n\nlicenseIssuingAuthorit\nyStateCode\n\nthe first appraisal report submission and can be\nsubsequently updated (i.e., corrected) by the\nsubmitter.\n"}

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+{"chunk":{"char_end":144551,"char_start":142946,"chunk_id":"chk_fc066c2498db89da","chunk_index":132,"chunk_sha256":"f64052e3d66d775d27748a8de5d1227b1fb98bb9fab0ececbb894e517309f167","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"f64052e3d66d775d27748a8de5d1227b1fb98bb9fab0ececbb894e517309f167","token_estimate":401,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"• 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\nAdditional Supervisory Appraiser Certifications (H2)\n\n•\n\n“Additional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser\nCertifications.” sets as TXC-I Myriad Pro Italic x 45 picas.\n\n• Numbered items set as TXC-NP Myriad Pro x 45 picas, 5 points extra space between paragraphs.\n\no Numbers set Myriad Pro Bold, followed by a period to text.\n\nSignature (H1)\n\nLeft-hand side of page\n\n•\n\n“[Role]” sets as TX-B (brackets do not set, they indicate a placeholder).\n\n• TXR (rule) sets for signature and date.\n\n•\n\n“[Contact Name],” “Date of Signature and Report” set as SIG-B (brackets do not set, they\nindicate a placeholder).\n\nRight-hand side of page\n\n•\n\n“Level,” “ID,” “State,” “Expires” set as TXR-B, TXR\n\nAppendix E: Report Style Guide\n\nPage 84 of 90\n\nVersion 1.4\n\nPart 4. Completion Report\n\nThis chapter contains details for the formatting of the Completion Report. Page size, margins, layout grid are\nidentical to the URAR.\n\nHeader Text\n\nDisplays on all report pages.\n\n½ point 50% black rule x 45 picas, offset 6 points above to:\n\n(HDR-L) Left side:\n\n• 10-point Myriad Pro Bold “Completion Report”.\n\n(HDR-R) Right side:\n\n•\n\n“Page [X] of [XX]” (where [X] stands for page number, [XX] for total pages in document) sets\nat top margin in 9-point Myriad Pro Regular, align right on 45 picas.\n\nHDR\n\nFooter Text\n\nDisplays on all report pages. 2-point rule x 45 picas, 6 points space below to:\n\n(FTR-L) Left side:\n"}

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+{"chunk":{"char_end":389749,"char_start":388149,"chunk_id":"chk_00f3922cb4f87b78","chunk_index":217,"chunk_sha256":"f64e96f79925463e69c931b68ac6e1ae11187a908025ba09d5eb1462f613afa9","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"f64e96f79925463e69c931b68ac6e1ae11187a908025ba09d5eb1462f613afa9","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":"Construction-to-Permanent Transactions\n\nThe following construction-to-permanent transactions are permitted for the construction and permanent financing of a\nmanufactured home:\n\n•\n\nsingle-closing transactions processed as a purchase or limited cash-out refinance, and\n\n•\n\ntwo-closing limited cash-out refinances. (Two-closing cash-out refinances are not permitted.)\n\nThe loan must meet the requirements in Section B5-3.1, Conversion of Construction-to-Permanent Financing, and all other\nmanufactured home requirements in this Guide.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 157 of 166\n\nUAD 3.6 Policy\n\nSB5-2-04, Manufactured Housing Pricing, Mortgage Insurance, and Loan\nDelivery Requirements (12/10/2025)\n\nIntroduction\n\nThis topic contains information about manufactured housing, including:\n\nLoan-Level Price Adjustments\n\n•\n• Mortgage Insurance\n•\n\nLoan Delivery Requirements\n\nLoan-Level Price Adjustments\n\nAn LLPA applies to all mortgages secured by manufactured homes that do not meet the MH Advantage requirements, whether\ndelivered to Fannie Mae for whole loan purchase or MBS issuance. These LLPAs are in addition to any other price adjustments\nthat are otherwise applicable to the particular transaction. For the current LLPAs, see the Loan-Level Price Adjustment (LLPA)\nMatrix.\n\nMortgage Insurance\n\nFor mortgage insurance coverage requirements, see B7-1-02, Mortgage Insurance Coverage Requirements.\n\nLoan Delivery Requirements\n\nThe following table describes the requirements for delivery of certain data elements that are applicable to manufactured homes.\n\nManufactured Home Type\n"}

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chunks/json/f6713d4f905404fa44b8fa477f3ec7f2c304fccb4fd44fe3d728dc382abf3704.json

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+{"chunk":{"char_end":707294,"char_start":705467,"chunk_id":"chk_1aa7b5bae706cfad","chunk_index":421,"chunk_sha256":"f6713d4f905404fa44b8fa477f3ec7f2c304fccb4fd44fe3d728dc382abf3704","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"f6713d4f905404fa44b8fa477f3ec7f2c304fccb4fd44fe3d728dc382abf3704","token_estimate":457,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Area Type Costs(s) 25.027\n\no\no Manufactured Home Delivery, Installation, and Setup 25.035 if\n\napplicable\nSubtract depreciation:\n\n•\n\no\no\no\n\no\n\nOutbuilding Physical Depreciation Amount 25.029\nOutbuilding Functional Depreciation Amount 25.031\nOutbuilding External Depreciation Amount 25.033\nOR\nTotal Depreciation for Outbuilding 25.034\n\nAs is Value of Site Improvements\n\nSite improvements may be provided individually or in aggregate.\n\nNote: For detached garages with no additional separate area which are reported in Vehicle Storage and not in\nOutbuilding, report the depreciated cost of the garage here. Example:\n\nAppendix F-1: URAR Reference Guide\n\nPage 317 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n25 Cost Approach\n\nCost Approach: As Is Value of Site Improvements\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n25.037 Description\n\nAlways required for\neach site improvement\n\nFree-form\n\n25.038 Amount\n\nAlways required for\neach site improvement\n\nDollar amount\n\n25.039 Total\n\nAlways required\n\nDollar amount\n\nDefinition / Additional Guidance\n\nSite Improvement Description: A description of the improvement for which the\nAs Is value is provided.\nExample:\n• Well, septic, fence, driveway and water frontage improvements could be\n\ndisplayed in aggregate on a single row, or on separate rows.\n\nAs Is Value of Site Improvement Amount: The As Is amount of the site\nimprovement as of the appraisal effective date. Provide individual costs if\ndocumented separately, or as a lump sum for aggregated site improvements.\n\nTotal As Is Value of Site Improvements: The total value contributed by other As\nIs improvements located on the subject property.\nCalculated: The sum of all the As Is Value of Site Improvement Amounts 25.038\nNote: This amount redisplays at the top of the Cost Approach section 25.003.\n"}

chunks/json/f686cfa2610d897e50e64e3748b6ddbc801b79d422fd8a0f6a30cba08b51018e.json

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+{"chunk":{"char_end":25781,"char_start":24088,"chunk_id":"chk_184f0271cb4b6533","chunk_index":14,"chunk_sha256":"f686cfa2610d897e50e64e3748b6ddbc801b79d422fd8a0f6a30cba08b51018e","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_30543138a1c3e2a6","text_sha256":"f686cfa2610d897e50e64e3748b6ddbc801b79d422fd8a0f6a30cba08b51018e","token_estimate":423,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/frequently-asked-questions-du-spec.pdf"]},"text":"DU Spec:\n\n26\n\n17. For FHA loans when should the FHA Sponsor Identifier be included in the submission file and\n\nwhen should the Lender Identifier be included?\n\nThe FHA Lender ID is a code assigned by FHA to identify the originator making the underwriting\nrequest. If there are two FHA-approved lenders in the transaction, the ID for the originating lender\nshould be included in the Lender ID field and the ID for the underwriting lender should be included in\nthe Sponsor ID field. If the originating lender is not FHA-approved, the Lender ID field should be left\nblank. The ID for the FHA-approved underwriting lender should be included in the Sponsor ID field\nand the EIN for the originating lender should be included in the Sponsored Originator EIN field.\n\nFHA Sponsor ID is a code assigned by FHA to identify the FHA ID of the underwriting lender if they\nare acting in conjunction with an FHA approved originating lender or acting as a sponsor for a\nnonFHA lender. The FHA Sponsor ID is optional if an FHA-approved lender is identified in the\nLender ID field and is performing both the originating and underwriting function on the transaction.\n\nThe matrix below outlines when each data point should be included in the loan application submission\nfile.\n\n18. Which three data points are used to indicate the Borrower’s Preferred Language in the loan\n\napplication submission file?\n\n27\n\nThe DU Spec includes three data points related to language prference: LanguageCode (UID 1.0181),\nULAD:LanguageCodeOtherDescription (UID 1.0182), and ULAD:LanguageRefusalIndicator (UID 1.0183).\nIf a LanguageCode is provided, the ULAD:LanguageRefusalIndicator is not expected and if provided will\nbe ignored.\n"}